Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX, I placed an order for a XXXX XXXX XXXX personal electronic transportation vehicle. I was alerted that Klarna was available with a 24 month payment plan. I paid a {$79.00} deposit and financed the remaining {$1900.00} balance through their terms. I attempted to log into Klarna numerous times to view the repayment agreement and start making my payments. The repayment never showed. I attempted to call Klarna several times and was told there was not a record of my purchase. They advised that it could be due to the product wasn't delivered yet so to wait until it delivered and check my account after. The product delivered in XX/XX/XXXX. I checked my account and still nothing was available related to this purchase/repayment. I called again and was told they would review and contact me back. I provided my initial order information, but was still advised there was nothing available in order for me to make my payments. I received no help whatso ever through the calls. Until XX/XX/XXXX, I had received no calls or letters from Klarna relating to my purchase. Then on XX/XX/XXXX I received notice that I was now two payments behind and that " if we do not receive a payment of {$200.00} by your upcoming due date, it can mean that you have broken the terms of this credit agreement. This could result in your outstanding balance being sent to collections, which could affect your ability to obtain credit in the future. '' I immediately emailed XXXX with my reference number of XXXX. Someone named XXXX responded. They advised that since I was not able to log in using XXXX, then I needed to create a new account. I did as instructed in the email. I provided the new email address associated with my account and a message that I was not able to add the order number so that I could make a payment. I received no response to this email. I followed up again on XX/XX/XXXX with no reply. It is now XX/XX/XXXX and they letter indicated I had to make the payment by XX/XX/XXXX in order to avoid the credit penalties they threatened in the letter. It almost the time of month that credit reporting for the following month is reported and I am scared they are going to report me negatively at 60+ days late, even though I have made a numerous attempts to get my payments made. Not once was I ever offered to make a phone payment, but mentioned that I am not opposed to that if necessary but would like to have access to my account beforehand to make sure everything was correct, as nothing on this account seems to be going right up to this point. I have only been told to log on to my Klarna account to make a payment. If I knew this would have been the outcome of using them as a credit source for purchase, I would have just paid the full {$1900.00} balance myself to the company I purchased from and saved myself the interest and headache from this whole months long joke of an experience.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Indicated committed crime not paying

An agent contracted me XXXX said that In would be puckered up from my job and taken to jail its i did not pay the amount. In ful ny a certain date.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018, I have requested that Equifax investigate XXXX XXXX because I don't have an account with them. Their results indicated the account as verified. I spoke with XXXX XXXX   briefly. I then told them that I have never heard of them. They have no Consumer Contract with my valid signature to verify this account. The Customer Service representative told me that they have my social security number as means to verify this account. I have been a victim of Identity Theft. My social security number could easily be obtained from the Dark Web. Equifax is allowing this company to verify my account using my social security number even though I submitted a written request requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX  XXXX XXXX XXXX  {$3300.00} - This account was successfully disputed and removed from my report. It has reappeared without explanation.
Complaint sub-issue: Account information incorrect

I recently got insurance from XXXX XXXX in XXXX, NE. While discussing my policy with my agent lately she mentioned my low score on the CBR report they received from LexisNexis. She gave me a copy of it and if was terribly in-accurate and misleading. Nearly every credit area they reported on was years outdated or just false. I contacted LexisNexis and they said they get their data from XXXX  and I should contact them about any issues.I got my full credit history from XXXX today and it has ACCURATE information ... ... yet LexisNexis is reporting something different. 

As you know, companies across the nation buy CBR reports to gather information on current or potential customers from LexisNexis ( and others ). How many years have they been reporting false/misleading info on me? What have these reports cost me and other consumers over the decades? My insurance company bases their premiums at least in part on this report ... ..and/or whether they want to do business with me. 

I am attaching the CBR report I received and my comments with enlarged print ... .also, if possible I will attach two XXXX  docs that show my student loans were paid off in XXXX and XXXX ... .and not deferred as LexisNexis reports XXXX
Complaint sub-issue: Personal information incorrect

I checked my Equifax credit report in the last 24 hours, only to find that my birth date ( the day of the month that I was born ) is incorrect by one digit. ( See page 7 of the attached. ) Please help me to fix this.
Complaint sub-issue: Information is not mine

I have XXXX credit cars with XXXX, XXXX is a XXXX, the other a XXXX. Both are current. Equifax is now showing that I have a card with XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified Equifax. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through Equifax , as it is their error, not XXXX. The XXXX employees speak XXXX very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam. I had this same problem with XXXX and this same card. These people are ruining my credit in an attempt to extort payment from me for a debt which is not mine. They actually suggested that I just pay it, even though it is n't my debt, in order to have it removed quickly.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is the ONLY credit reporting agency, that is falsely reporting a paid collection for {$150.00} from my previous apartment community XXXX XXXX. This account was paid BEFORE it made it to collections. it never should of reported at all, I believe something was definitely delayed with all that happened with the covid XXXX shut down, and worse enough its a negative reflection on my credit report. Equifax informed me within a few days that this was accurate and its NOT.
Complaint sub-issue: Public record information inaccurate

I am trying to buy a home and when the lender pulled my credit they are indicating that there is a judgment reporting from someone by the name of XXXX XXXX. I haven't spoken to that person in over 8 years and then all of sudden a judgement listed on a report? I have never even heard of lexis nexis until my lender told me. I was told this was back in 2012 which after looking at the FCRA it shows that public records other than bankruptcies are only to report for 7 years but this is past 7 years.
Complaint sub-issue: Indicated you were committing crime by not paying debt

This is a false debt place on my name, I do not owed anything to this company. Never receive any letter or notification about this debt, only got this on my credit reports on XX/XX/2020.
Complaint sub-issue: Information belongs to someone else

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Complaint sub-issue: Didn't receive advertised or promotional terms

I have this issue with CITI back to XXXX, then I submitted a complaints in here in XXXX, they contacted me and sent me two letters in XXXX and XXXX claiming they will solve that for me. I had attached two letters from CITI as evident. It'salready been XXXX now I still have not received my welcome bonus. I swear I will never become a CITI customer again, they have the worst customer service. But I won't give up getting my bonus back. Please see attachment how CITI promised to solve this issue for me and it's been almost 5 months it still not been resolved.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Please remove/block/delete this account. 


This letter is a follow up to my original letter regarding an inaccuracy on my credit reporting, regarding the entry being reported ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH  XXXX ( account # as it is listed on my credit report XXXX ) please remove/block/delete this account. 


You may have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH  XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in Wenger vs. TransUnion Corp No 95-6445 ( C.D. Cal. Nov 14, 1995 ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act. 
CC : Consumer Financial Protection Bureau CC :  Federal Trade Commission XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$75.00} XXXX XXXX XX/XX/XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX Equifax XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem with fees

Best Buy Credit card through Citibank. Card has never been late and has been fully paid off for months. I was charged a {$99.00} annual fee and within 90 days of the charge asked to have the account closed and the fee reversed. They closed the account but did not reverse the fee and are starting to send late notices after I have asked repeatedly to reverse the fee on the now closed account.
Complaint sub-issue: Card opened as result of identity theft or fraud

While the cousin of my husband was staying at our residence, he accessed my personal information and opened, and maxed out, a Discover credit card. Since he was staying with us he was able to intercept our mail in which the Discover card came and also ordered products to our address. He, at times, used our checking account to pay for this fraudulent account as we had no knowledge of what was going on. My husband and I have been trying to work with Discover for over 9 months and have been getting the run around. They claim they been trying to contact me but explained to them that I cant speak during school/work hours and gave them permission to speak to my husband. When I do return calls they claim they are " working on it '' and no new information is available then I receive letter stating that the " investigation '' is complete. We haven't seen the cousin in about a year and a filed a police report along with a FTC report and all proper documentation has been mailed to discover along with the 3 credit bureaus but Discover keeps changing the account number so the bureaus can not recognize the fraud account.
Complaint sub-issue: Their investigation did not fix an error on your report

I found several errors on my credit report. There is a chapterXXXX filing that is not mine, unauthorized inquiries a late payment that is wrong a charge off that is not mine a few accounts that do not belong to me. A letter of explanation is enclosed
Complaint sub-issue: Debt was result of identity theft

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX  or have used this phone carrier. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX  have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Attached is a copy of a letter of dispute dated XXXX to Equifax that listed XXXX accounts that I asked to be disputed because they were unknown to me. I sent the letter with a signature requested to have proof that they received it. It has now been more than 45 days since they received it and they have not listed them in dispute nor have they deleted them from my credit report.
Complaint sub-issue: Public record information inaccurate

There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX  XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

THIS INDIVIDUAL BY THE NAME OF XXXX XXXX XXXX IS KNOWN AS A CON XXXX FOR STEELING AND OBTAINING PEOPLE 'S CREDIT CARD INFORMATION. SHE HAS BEEN A SUSPECT AND CONVICTED WITH FRAUD ON MANY DIFFERENT OCCASIONS. SHE GOES BY THE NAME www.acreditworks.com and has fake reviews on her sit of people who she personally knows to have them put on there. This girl is a con XXXX. She poses as a previous owner of a car dealership but looking into VA state court records she is massive con XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this complaint oday to request that the inquiries still reporting on my Credit Report must be deleted under the FCRA section 605b. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. The FCRA requires the Credit Bureaus to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the item. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action. I need the follwoing inquiries removed as soon as possible : 1. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Account status incorrect

Late payment reported for XXXX accounts XXXX, the 90 day late payment reported in XX/XX/XXXX is inaccurate. I was 90 days late, I was current the 3 months prior ( XXXX, XXXX, XX/XX/XXXX ). 

Late payment for XXXX accounts XXXX for 90 days late reported in XX/XX/XXXX is inaccurate. I was not XXXX days late, I was current XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Equifax has a duty to do what is fair and equitable to me and delete the inaccurate late payments reported.
Complaint sub-issue: Right to dispute notice not received

I received a letter on XXXX XXXX, 2015 from XXXX XXXX to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. XXXX responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, ERC, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, ERC has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; XXXX day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.
Complaint sub-issue: Other problem getting your report or credit score

Requested and received security freeze by mail. 
Called company on several occasions during " normal business hours '' as presented by them in the papers I received ; last call was on a Thursday at XXXX XXXX. Phone system stated their office was closed. Apparently no way to talk to a real person. 
Since I am a victim of identity fraud, need to know if my freeze is 90-day or 7-year extended. Additionally, need to know if their files reflect the fraud alert reported to all other CRA 's. 
The other agencies included a credit report with my confirmation papers and none was included by Innovis.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. states I have rights to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

I have been rebuilding credit and Working in my credit for the past 3 years trying to clean it up to get a mortgage. Ive tried to work with creditors and tried to work with reporting agencies to the point I just cry and want to physically XXXX. All they can tell me is these old accounts that have been on my account their are no new negative marks and my score continues to yo-yo Ive paid off collections, started new accounts paid them off charged and paid. Ive tried disputing, nothing helps. I recently logged in to my equifax to see a 92 point drop in my score. No explanation, I called spoke with reps and no explanation besides the old accounts that have been charged off accounts that were opened in XXXX and XXXX. I truly understand why people commit XXXX over their finances. Ive asked what can I do and the response is keep paying wait 7 years. Ive waited 10 for a bankruptcy to come off Ive been continuously working n my credit but theirs no relief and all I want is a mortgage so I can stop paying the sky rocketing rents where I live but Im just a number to everyone Ive spoken too. When did we forget their is a person behind the number. My life has had struggles and my credit reflects so but their is no relief NOTHING.