Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021, I receive alert from of XXXX XXXX credit report XXXX, XXXX and Equifax about some of that company inquire my full credit report. 
I don't have idea about this company I never asking nothing, now the XXXX company 's refuse to be removed this inquire from credit report make a big problem for me XXXX  take like more the 2 years to remove from my credit report, damage my record. 
The company ask for my credit report was : XXXX XXXX XXXX. 
XXXX XXXX XXXX 
XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, I submitted a Identity theft report and haven't received any response from the credit bureaus. These accounts are hurting my ability to purchase a home
Complaint sub-issue: Information belongs to someone else

I submitted a former complaint dated XX/XX/22. In the report this credit bureau has stated that the debts are verified. I'm requesting proof that the debt is myself. I have submitted a complaint about fraud on my accounts. I also have placed security freezes on my accounts to prevent future fraud. This company has failed to prove that it was I who owe this debt. Please provide proof that the disputed companies from the last complaint were indeed my debts. My credit report is full of inaccuracies. There are incorrect amounts of debt owed, incorrect dates, incorrect account numbers. I would like a full audit of my credit report. It has been reported recently that investigations for credit complaints are not done properly. I'm requesting a full audit of my credit report. I'm also requesting proof of debt. This would mean a hard copy of any documentation I signed with dates and proof these debts were indeed taken out by me.
Complaint sub-issue: Their investigation did not fix an error on your report

I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.
Complaint sub-issue: Account status incorrect

Received alert on XX/XX/XXXX from credit monitoring company that my XXXX XXXX XXXX has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XXXX XXXX was 0 % and at XX/XX/XXXX it was at 64 %. 

Equifax and XXXX both are reporting that both accounts have been closed and settled. 
See attached documentation ...
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have two inquiry that are posted from XXXX XXXX XXXX and a bank that is not from me can you please remove them or investigate the problem
Complaint sub-issue: Account status

I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I have attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the last few days their collection agency ( XXXX XXXX ) contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly this month so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone with them and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. I have absolutely no problem paying a {$99.00} charge if it is valid but I have a significant problem with XXXX not providing me the information to know whether it is valid. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is unlawfully placing redundant data in the comments section on my Credit file. 

It is unfair and it is junk data. 

I demand that you delete this XXXX account from my credit file because XXXX keeps violating my rights. 

View the attached document- clearly junk data A the account already says charge off - they dont need to say it again in comments- They have done this for years and the NC DOJ wants to see my report. 

If XXXX is still on my credit reports when I wake up on Tuesday morning I am reporting XXXX to the NC Bar Association, and the NC Department of Justice.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX OF XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 's XXXX & 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

It's been well over a year now, and I'm still battling with Equifax and XXXX to review my credit and remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies won't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Complaint sub-issue: Their investigation did not fix an error on your report

The Equifax response to my complaint XXXX was non-responsive. Since I have been significantly damaged by their actions, score drop of 86 pts in 1 month after successfully refinancing my home for {$570000.00}. I have filed a small claims action in XXXX XXXX XXXX seeking {$10000.00} in damages and/or referral to NY State Attorney General against Equifax/XXXX  XXXX XXXX. I will be filing a complaint with the Connecticut State Attorney General shortly as well. 

Equifax/XXXX  must be ordered divulge the exact statistical method, factors, parameter estimates, confidence intervals, false negative/positive rates, point estimate errors and other such data as to ascertain the efficacy of their credit scoring business and the harm it can inflict on individuals like me. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

My Federal Student Loan ( FFELP ) was transferred to NELNET on or about XX/XX/XXXX while in default and after the COVID pause on federal loan payments had taken effect. NELNET subsequently " reclassified '' my loan as " in repayment '' despite the fact that I had made no payment since XXXX and had never completed a payment schedule that would rescue my loan from default. 
In XXXX of XXXX, NELNET mailed me a debt collection letter demanding I pay {$150.00} in monthly payments. This was the first time I had heard of NELNET. I subsequently learned that the Department of Education had before de-listed them from approved student loan servicers because of their illegal activity ( only to be re-instated later ) and that NELET was the Defendant in an ongoing Class Action Complaint in Nebraska Federal Court. 
Despite the illegal mis-classification of my loan as non-federal and in non-default status, I worked with them to repay what I could. My belief is that NELNET intentionally accepted defaulted loans and illegally reclassified those loans as " private '' or " in repayment '' so as to avoid the federally mandated COVID pause in repayment and deny Income Driven Repayment Plans ( " IDR '' ) capriciously and illegally. 
In fact, NELNET approved a {$0.00} per month IDR after two application from me on XX/XX/XXXX ( see attached ). After approving ( rightly, as I am self-employed, with income that is inconsistent, and does come within {$15000.00} of the average American 's salary ) my IDR, they denied it again. I submitted two more IDR applications that were entirely complete with attached income stubs/statements for both my wife and myself. in the middle of there applications, NELNET approved a one year forbearance, which they subsequently and unilaterally shortened without explanation ( see attached ). I submitted three ( 3 ) email IDR applications and all copies of income were legible ( attached ) and subsequent to their prior approval of same. 
NELNET seems to have no rhyme nor reason to their actions, as I would get letters regularly that contradicted themselves and stated things that were not true, such as " we need a legible copy of your pay stubs '' when they had been printed off the internet and attached to emails I sent them. My wife signed a statement disclosing her income, of which I have a copy, and NELNET claimed she didn't. Random and arbitrary fraud, is when NELNET is engaged in. Placing me in forbearance for a year, then reducing it to a few months was not only fraudulent, but illegally increased my interest, when I should have, and was approved for, an IDR. 
The entire experience with NELNET is why student loan borrowers are so upset, and since most loans are federal, they will ultimately blame the current administration for NELNET 's failings, which is sad. NELNET is acting opposite of the Biden Administration wishes, and should not be allowed to service loans.
Complaint sub-issue: Problem with customer service

I'm really very upset at U.S. Bank. 

On or around Monday XX/XX/XXXX I was trying to login to my online banking, using the same username / password I always use and is saved in my password manager. After experiencing problems, I called the number on the screen with the error message that my 'Username had been disabled '. I have no idea why. 

The First agent was unwilling or unable to validate me b/c I didn't have my full account number available, and didn't know the date I 'opened the account '. My wallet and card were in my car, and I don't receive or keep paper statements. No other bank asks for this. 

They were rude, and unhelpful. So I called back, and got the same runaround. Was willing to answer ANY other security question, or provide personal information. Didn't help at all. The next day, I went to get my wallet and US Bank Visa to provide the information. 

Today ( Wednesday XX/XX/XXXX around XXXX PM ) I called a different number on the back of my card, and explained this. She had me try to login again from a new browser, which initially worked just fine, and asked me to change my password which I did and as part of this had to enter a code sent to my mobile phone, which worked initially. 

However, when trying to login again it gave me the same error. That my user ID had been disabled. She then transferred me to 'Web Support ' who proceeded to explain my User ID had been disabled *today* ( even though I've been getting the error for 3 days ) and that I would have to call back Friday to try and resolve this... What???? 

I asked *why* my UserID had been disabled in the first place, when all I want to do is make a payment on my account and my car payment... She could not give me an answer, other than call back Friday. I asked to speak with a supervisor, but she told me even a supervisor could not do anything. 

So now I've wasted at least an hour of my time ( *Worth $ XXXX {$1000.00} ) and have gotten nowhere ... To make matters worse, I have to call back on Friday and attempt to resolve this again, when I've done nothing wrong to cause any of this. It's incredibly frustrating.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act this information I unfamiliar and unauthorized inquiries that at reporting on my report. 
Here is a list of unauthorized inquiries : 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 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 Equifax XXXX XXXX XXXX XXXX Equifax 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 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 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 XXXXXX/XX/XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Information belongs to someone else

There are several accounts that are reporting inaccurately on my credit file. The following accounts are reporting inaccurately for the following reasons : Incorrect Personal Information : Names : XXXX XXXX ( XXXX ) Names : XXXX XXXX   ( XXXX and XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & Equifax ) Address : XXXX XXXX XXXX XXXX XXXX Equifax ) Inaccurate Late Payments reporting on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : XXXX. I was never late ( Equifax, XXXX, XXXX  ) Identity Theft or Fraud Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : XXXX. I was never late. ( XXXX & Equifax ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1600.00} ( XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  ) XXXX XXXX - Date Open XX/XX/XXXX ( XXXX  ) ; Date Open ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$18000.00} XXXX  ( Equifax, XXXX, XXXX  ) Unauthorized Inquiries : XXXX  - XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX  XXXX  XXXX   XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ( 4 TIMES ) XXXX
Complaint sub-issue: Information is missing that should be on the report

I have a mortgage account with XXXX XXXX that was removed in error by Equifax and XXXX. I would like for this account to be added to my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

NATIONAL RECOVERY AGEN # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.
Complaint sub-issue: Other problem

I opened a US Bank XXXXXXXX XXXX card on XX/XX/2022. In less than a month US Bank closed my account without letting me know in advance or giving any explanation. I figured out the card is closed after multiple payments did not go through. I called US Bank customer service multiple times and one of the representatives finally told me that " I'm a risky customer '' and that's why they closed the account. I asked if they can reopen the account, representative said " in theory yes we can reopen the account, but are we going to reopen it? No, we will not! '' Note that, this closure has nothing to do with nonpayment as my first bill 's due date is at the beginning of XX/XX/2022. No other explanation is given. This is an extremely unprofessional way to conduct a business, an individual 's risk profile can not change in less than a month. I had no significant changes in my credit score etc.
Complaint sub-issue: Debt was result of identity theft

Dear CFPB, I want to report that Hunt and Henriques Attorneys at Law have failed to respond to my debt validation and verification of claim letter dated XX/XX/XXXX and to the CFPB Complaint I filed on XX/XX/XXXX Case # XXXX. 


Attached you will find a copy of my demand letter for validation of debt and verification of claim and sworn affidavit under penalty of perjury by an agent with authority and first hand knowledge to authenticate their claim. 

As of today, Hunt and Henriques Attorneys at Law have not responded to my demand letter according to consumer protection rights under FDCPA, CFPB, FTC and XXXX-FDCPA. 

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

RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT WHICH CAUSED SEVERE XXXX UPON ME AND FOUND UNVERIFIABLE, INVALIDATED AND QUESTIONABLE ITEM THAT YOUR AGENCY DID NOT MAKE SURE IT WAS REPORTING 100 % CORRECT. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT UNDER 15 U.S COURT 1681e ( b ) AND 15 U.S CODE 1681i ( 5 ) THIS ACCOUNT IS VIOLATION OF NOT REPORTING 100 % ACCURATE RESOLUTION : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and deleting the account that listed on my dispute letter.
Complaint sub-issue: Account information incorrect

I have had so many issues with EQUIFAX that I have sued in court and I have a court date on XXXX concerning the myriad of issues. I am now complaing how EQUIFAX reports my information to potential loan creditors. I recently applied to XXXX for a loan. Despite having a score of XXXX. I was turned down EQUIFAX reported that I have delinquencies and inquiries. The inquiries in question are for myself shopping around for a mortgage refinance. Therefore this should not have been reported as such. Inquiries such as this are viewed as 1 inquiry. In addition on my EQUIFAX report they have some of the same inquiries twice. 
They have reported that I have delinquencies. I have none. 
EQUIFAX has people who work for them who are changing information in peoples credit reports for retaliation. They are Doing this at the behest of persons in different lodges and communities. They are letting people sabotage peoples lives by tampering with the report. EQUIFAX employees has changed the birthdate on reports or added delinquent accounts back on after they have been deleted. My Birthdate was changed, after no issues in my entire life with EQUIFAX. They refused to change it until I got help from the CFPB. There is no way that someone birthdate should be changed after many years unless it is foul play. 
EQUIFAX continuously causes me to be turned down for credit despite the fact that my score is XXXX and I was recently approved for a XXXX car loan by XXXX XXXX XXXX XXXX. I cant even get a XXXX $ loan because EQUIFAX reports severe delinquency even though this is not true. 
I am asking again to investigate why this us happens
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE AN ACCOUNT FROM XXXX XXXX XXXX XXXX FROM XX/XX/1999 THAT KEEPS APPEARING ON MY CREDIT REPORT, THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY FROM 15 YEARS AGO. THIS DEBT WAS DISCHARGED EQUIFAX KEEPS HAVING THIS INFORMATION RE-APPEAR ON MY CREDIT FILE, IT WAS IN BANKRUPTCY AND ITS WAY PAST THE TIME THAT ANY DEROGATORY ACCOUNTS SHOULD BE LISTED ON THE CREDIT FILE