Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

There is an account called " XXXX XXXX XXXX '' that shows a collection account for {$850.00}. I have tried to dispute this item several times but only get a response that it meets FCRA requirements. I have no knowledge of this account and believe it was open fraudulently. I would like to have this removed from my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is reporting 17 hard inquiries on my credit report, 13 of which were for  the purpose of purchasing 2 automobiles. Each purchase was made in XX/XX/XXXX- XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX I went to one dealership for each of these 2 purchases where they submitted our credit report to several different lenders in order to get the best rate. As I understand it, each of these should count as one inquiry only since the inquiries were all made from the same dealerships within 30 days. I spoke with Equifax today ( XX/XX/XXXX ), and they refused to help me.
Complaint sub-issue: Debt is not yours

This debt is not mine. Has been on my credit for years dispite as they say on my credit since XX/XX/19. Attached is a copy from all 3 credit bureaus. Ive written to the bureaus XXXX XXXXXXXX  XXXX and this company, THE BUREAUS, whom are the collection agency. I want to see a copy of a contract between the Bureaus and myself and I want to see my signature on it. If they can not give you this in a letter, then I want this off my credit. Attached is my USPS return receipts ive sent and a copy of my credit report as they are reporting it. They have not given me anything, nothing. Just reduction letters and nothing else. Remove immediatly, thanks The Bureaus XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Thanks. You so much
Complaint sub-issue: Debt is not yours

I received several notices from Citi bank that the issued was resolved but the amount is still in effect on my credit card. To avoid damages to my credit rating I was forced to pay on this card. I have documentation from the card holder that this debt was cancelled. But it has not been deleted. I made the claim on XXXX XXXX, 2021, the amount was for {$60.00} ( I was told ). I sent all the documentation to the company as requested. I received from the company the debt was cleared. That information was false, now what? So in affect I have been defrauded twice.
Complaint sub-issue: Account information incorrect

This agency is reporting inaccurate information to my credit report for trade line XXXX XXXX / XXXX XXXX ; invalid account number
Complaint sub-issue: Reporting company used your report improperly

Please be advised that XXXX  XXXX XXXX ACCT # XXXX or Acct # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according to Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also this account is showing 2 different kinds of account number XXXX and XXXX
Complaint sub-issue: Information belongs to someone else

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Account information incorrect

I have a U.S Bank credit card ( 5+years ), and have NEVER missed or been late on a payment. I have always paid more than the required minimum payment every month. U.S. Bank reports to the credit Bureaus around the XXXX. of every month. I used my U.S. bank credit card on XX/XX/XXXX to buy a couple of items, and I exceeded my credit limit by about {$200.00}, which they authorized. But, on the next day, they reported the " over the credit limit '' to the credit bureaus, which in turn immediately dropped my credit score 21 points. U.S. bank DID NOT inform me of the over credit limit problem, if it was a problem, or if I was required to make an immediate payment, but, the next day I made an {$1100.00} payment to my U.S. bank credit card account, which lowered my useage to around 60 %. However, U.S. bank will not report the payment to the credit bureaus til the XXXX of the month, but, at the same time, on any day of the month, they immediately report going over the credit limit by any amount!! THIS PRACTICE SHOULD BE ILLEGAL, AND UNETHICAL. Damaging a hard working American Citizen credit worthiness is an easy process for those banks/companies. 



Thank you
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

Reviewed credit report & found several discrepancies. XXXX XXXX XXXX DBA XXXX XXXX c/o XXXX in North Carolina XXXX Formaly known as XXXX until XX/XX/XXXX as they had been Banned from DB in NC and multiple other State throughout USA for the same practices that their affiliates seem to use the same template. XXXX XXXX transferred to another Co XXXX, I paid the last payment in XXXX for XX/XX/XXXX. XXXX, never recorded to new debt collector. Company continue to report negative incorrect payments on credit reports,. Disputes with retaliation from Company. Fact Disputed 30 day late fir XX/XX/XXXX, hHave had NO late payments. This resulted in removing the XX/XX/XXXX & marking XX/XX/XXXX as late! This payment for XXXX was posted on XX/XX/XXXX. I can not dispute online anymore and Im fed up with constantly spending time on this and all the fraud this company and all their affiliate bullies continue to practice. I would like for this to be resolved. Thank you XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a XXXX XXXX XXXX account that is closed the amount that is being reported is {$11000.00} and has several inaccuracies that is not FCRA Compliant. I have sent several letters disputing the inaccuracies and Equifax just mails the letter saying this account has been verified with no proof or any paper work. How can they verify if Equifax 's credit report has no account number listed and the account is reporting CO every month when a charge of is a dead account and can not report every month updating the date of last activity on a monthly basis. All credit bureaus should have the same information from the same creditor. The last letter I mailed to Equifax was on XXXX XXXX XXXX and they responded the account has been verified.
Complaint sub-issue: Didn't receive services that were advertised

I was told by credit karma that I was pre-approved for a loan in XXXX, 2022 with 90 % approval odds and was subsequently denied with a hard inquiry on my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I have disputed the bankruptcy twice with the credit bureau that it's inaccurate and needs to be verified. They keep responding that it has been verified but I have yet to receive something in writing verifying that it's accurate. This is for all three credit bureaus. I want the information to be properly verified and if not removed. 
There is also a XXXX  XXXX  account for {$130.00} XXXX that I asked for verification and still have yet to receive the information.
Complaint sub-issue: Can't get other flexible options for repaying your loan

My student loans are in default. XXXX & Fed Loans turned over my student loan debt to a collections company in Arizona known as XXXX XXXX XXXX. I have made numerous calls to the firm to no avail. I have waited on hold for hours for no answer. I did receive one answer and was promised a call back which I never received. I am trying to get my loans out of default and avoid the attorney fees which added roughly {$15000.00} additional dollars to my debt. 
My debt span is {$37000.00} the loan origination dates ranged from XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. There is Discover Financial Services account ( acc no : XXXX ) in my XXXX  report that is opened fraudulently. I did not authorize to anyone to use my identification information opening fraudulent account. I sent a police report and FTC Identity theft report to XXXX  credit reporting agency and Discover Financial Services but they refused to help me to resolve the problem.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy and XXXX XXXX. I am attaching supporting documentation to have these accounts reinvestigated. Equifax wrote they verified the account with a 3rd party, XXXX XXXX. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore they have not verified with you. I have verified with the court that they do not and can not verify anything with you. Their written response is attached. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. As it relates to XXXX XXXX, you are only to report 7 years from date of first delinquency. This account was delinquent in XX/XX/XXXX, therefore, this account should have been deleted in XX/XX/XXXX. A statement of account letter is attached which documents date of first delinquency. That is inaccurate reporting on your part and this account needs to be deleted. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections. 
Chapter XXXX Bankruptcy unverified XXXX XXXX inaccurately
Complaint sub-issue: Card opened as result of identity theft or fraud

Fraudulent card opened under my name with the following information. Citibank is not able to find and close the account. It is a case of identity theft. 

A new account has been opened XXXX XXXX, 2017 Address XXXX XXXX XXXX   XXXX XXXX, SD, XXXX Account Balance {$110.00} Account Number XXXX Creditor Name CITICARDS CBNA Industry Type All Banks
Complaint sub-issue: Information belongs to someone else

Yet another fraudulent posting on my report, this time from XXXX XXXX, this is fraud I did not apply for any service from XXXX XXXX, this is on my report as an Hard Inquiry. Im getting tired Equifax of you not doing your job to check this out so, Im letting the attorney general know both in my state and yours. Also, im letting the FTC see this as well, I will also be approaching my senators in Texas and I can assure you I will get results.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge, I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$440.00} SXXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX XXXX XXXX {$480.00} XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX {$590.00}
Complaint sub-issue: Account information incorrect

Complaint 1 - Recently, I aquired a copy of my credit report. It indicates I have 6 XXXX XXXX accounts that are closed by credit grantor. I requested proof that these accounts are mine showing my signature. XXXX XXXX and Equifax have not provided a copy of said signature. Equifax continues to send me a credit report indicating the information is correct. By keeping this information on my credit report without proof of signature they are violating FCRA.

Complaint 2 - I informed Equifax that XXXX XXXX is breaking the law by filing a monthly alert on my credit file. I informed Equifax that XXXX XXXX is changing the dollar amount due and filing a new complaint each month. XXXX XXXX is effectivly reaging the account monthly in a malicious attempt to continue to destroy my credit. This is a violation of FCRA.
Complaint sub-issue: Personal information incorrect

I have uploaded to XXXX/upload multiple times my updated social security card, active drivers license, and FTC REPORT for identity theft. I have written a letter telling XXXX to get rid of every alias of XXXX but to only keep XXXX XXXX XXXX because that is my legal name. My social and my license both show it as such. My license shows my address, which is on my consumer report - ( ONE of at least XXXX addresses ) which i instructed XXXX to keep only the ADDRESS THAT IS ON MY LEGAL DOCUMENT and delete the rest. Well, when i go to dispute the fraudulent addresses, i cant dispute it because a furnisher is reporting on that address so it must stay. I let XXXX know that those addresses, those accounts are fraudulent. Theyre part of the identity theft because my abode is the address on the license. I need my personal information updated fairly and without blemish so i can have those fraudulent accounts off my consumer report.
Complaint sub-issue: Transaction was not authorized

This is a copy of an email I received. I do not have a SQUARE Account! 
XXXX {$640.00} withdrawal from your bank account XXXX - XXXX  XXXX XXXX XXXX  XXXX  / XXXX Square. com/Support XXXX Thu, XX/XX/XXXX XXXX XXXX XXXX For your security we disabled links in this email. If you believe it is safe to use, mark this message as not spam. 
{$XXXX} withdrawal from your bank account Hello, Were reaching out to let you know that your bank account will be debited the amount of {$XXXX}. However, the customer has disputed this charge. Kindly cancel the transaction if you are not aware of this deduction, View Dashboard for more Information VIEW DASHBOARD The funds will be withdrawn within one to two business days.

SUPPORT CENTER Visit the Support Center for more information on Squares deposit schedule.

Thanks, The Square Team Receiving too many emails?

You can view all of your day 's activity on your Daily Summary Email.

Turn off Per Transaction emails now.

2021 SQUARE, INC. ALL RIGHTS RESERVED. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX UNSUBSCRIBE FROM THESE EMAILS Reply, Reply All or Forward
Complaint sub-issue: Other problem getting your report or credit score

shows im decessed and im not
Complaint sub-issue: Trouble using the card to pay a bill

On XXXX, XXXX, XXXX, I tried to log into my USBankReliaCard through Oregon.gov Pandemic Unemployment Assistance. I wanted to check my balance and inquire about a missing weekly payment. I was unable to log in to my account. 

I called the USBankReliaCard representative. They said my account was locked. So, I am unable to buy groceries, pay rent, use the ATM. My account should not have been locked. It is a major inconvenience! I do not understand why they locked my account. My statements showed I used my ReliaCard to buy groceries in XXXX and XXXX, but I used my other personal USBank account in XXXX out of habit, and I wanted to save up some money on my USBankReliaCard anyway. ( I have had a personal USBank account since XXXX. ) I was told to be able to unlock my card, I had to send pictures of my driver 's license ( front and back ), ReliaCard ID number, passport, social security card, a selfie, and a medical bill with my new address on it since my driver 's license was my old address ( I moved to my current location in XX/XX/XXXX XXXX that's been the same for over 15 years ... I submitted my address change from my old address to the new address in XXXX. USBankReliaCard has a record of the transaction as they keep track of account updates. 

I uploaded the requested documents and called the USBankReliaCard representative again after 2 hours. They confirmed receipt of my documents and said they will unlock my account 'pending approval '. This is very unnecessary harassment towards me. I think USBankReliaCard should have crosschecked me at USBank as they would have seen I have a personal banking account with them. They have my address ( old and new ) and my signature on file. 

Why are my funds being hijacked by USBankReliaCard? I need my Pandemic Unemployment Benefits to buy food, pay rent, use the ATM to get come cash, etc. 

This is not how USBankReliaCard should conduct business by making my life more miserable without my having access to my funds that were provided me to live on through Oregon.gov. 


For XXXX, I wanted to pay rent by sending funds to pay my landlord, and I could not buy food today when I went to XXXX XXXX  to buy groceries. The USBankReliaCard was declined twice! Now I am late on rent.
Complaint sub-issue: Account status incorrect

During the whole covid pandemic I panicked and couldn't afford to pay my mortgage. I was misinformed and thought that anyone with a mortgage loan would be granted forbearance as the mortgage companies would be flooded with calls. I finally called in XXXX and was verbally put on a forbearance plan for 6 months. I was not informed as to how it would affect my credit score and how this would be reported to the agencies. I was misdirected that it would include both 30 days late and 60 days late. 
My XXXX payment was late due to the fact that the bank wanted a cashiers check and I wasn't able to get one and it mailed out until XX/XX/2020. I overnighted the payment hoping it'd be there before XX/XX/XXXX, which it should have been. 
I would hope that in theses times there could be a courtesy removal of the XXXX XXXX day late. There is no remark on the comments stating that its disaster related as the comments should reflect that. Also, i have read that if at all possible lenders are should hold back from negative credit reporting at this time
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS. I FILED 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Complaint sub-issue: Investigation took more than 30 days

I tried disputing items from my report. i have not received any update
Complaint sub-issue: Threatened or suggested your credit would be damaged

I need some of the debet application takeing offf my account
Complaint sub-issue: Funds not handled or disbursed as instructed

Hello my name XXXX, I have a loan that was sent to cash app because I use cash app for business, cash app is suppose to allow any amount do be direct deposit and unfortunately payment was sent XX/XX/2020 @ XXXX XXXX and cash app has failed the direct deposit for some unknown reason. I also reached out to cash app with multiple emails today and still havent got a response from them. Can you guys please help
Complaint sub-issue: Reporting company used your report improperly

I found out today, XX/XX/XXXX, that Equifax may have leaked my social security number onto the internet. I used Equifax 's free tool to see if my social security number may have been affected, and their tool indicated that it may have been affected. I placed a Fraud Alert with all three of the agencies moments ago onXX/XX/XXXX. I attempted to retrieve a free copy of my annual credit report from all three companies today, but was unable to do so. As such, I am mailing in a manual request form to the three agencies to get a copy of my credit report from each of them. This manual request is being mailed on XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

its now been more then 45 days with no response. i sent in a letter on XX/XX/XXXX and XX/XX/XXXX with failure to validate negative accounts which are defamation of my character. also no response from them