Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I have been contacting XXXX, equifax and XXXX  regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve this matter.
Complaint sub-issue: Account information incorrect

There are a couple of discrepancies on my credit report. I have attempted to contact all three bureaus in an attempt to resolve and update the matter. The first issue that I am having is the fact that XXXX XXXX XXXX is reporting a mortgage that is reading like a credit card. My mortgage is owned by XXXX XXXX XXXX XXXX. I have never been late on my mortgage. I have spoken with representatives at all three credit bureaus and was told that I would have a resolution within 30 days, however I have yet to receive any updates. This is problem as it is making my credit appear to be extended.
Complaint sub-issue: Problem making or receiving payments

I used Citibank mobile app to transfer {$300.00} from my checking account to my credit card account. After I tried to complete the transaction the system said they were having technical issues and to try again. After 2 attempts I checked and all 3 went thru. I immediately called the bank and they told me I could get the money transferred back in 5 business days after it posts. Their mobile app is a joke. You can't cancel future transfers or reverse their errors. This is the 2nd time this has happened to me.
Complaint sub-issue: Reporting company used your report improperly

I have received a letter from Discover. The letter states that they have never ran a credit score and that if any information on my XXXX  Credit Report is not a Hard Inquiry. I beg to differ. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX This is the information listed on my XXXX  Credit report and was obtained without my permission. I ask know since Discover has lied about how any information was listed on my credit report to properly compensate me for my troubles, my emotional distress and the damage that this hard inquiry has on my credit score. Discover has not obtained the ip address or sent me the application that was used to incur a hard inquiry on my credit report. 

Skip to content Overview Reports & Scores 50 Identity Protection Credit Cards Loans az Support Skip to content Credit Summary Credit Reports FICO Scores Credit Alerts ( 50 ) Have a question? 
Archived ReportsBureau Your Next 3 Bureau Credit Report and FICO Scores will be available in 87 days. Can't wait? Refresh Now Summary Accounts Collections Inquiries Public Records Lock Your Credit Report Every time you apply for credit, a " hard inquiry '' is placed on your Credit Report. Here you will find the business names of those who have obtained a copy of your Credit Report over the last two years. Hard inquiries stay on your Credit Report for 25 months. 

You have 11 Inquiries Inquirer Name XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX If need be I can provide a copy of my experian report. Please do not allow this companies to violate consumer rights just because they feel they are untouchable.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$27000.00} XXXX {$980.00} XXXX {$590.00} XXXX {$890.00} XXXX {$590.00} CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX
Complaint sub-issue: Banking errors

Ally sent me numerous emails, like the one attached, stating I would receive a 1 % bonus if I : 1 ) opened an account by XX/XX/XXXX with promo code XXXX 2 ) transfer money by XXXX 3 ) keep money that money until XX/XX/XXXX and 4 ) keep account in good standing and bonus will be paid by XX/XX/XXXX. 

1 ) I opened an account on XX/XX/XXXX with promo code applied ( and sent them a print screen of the promo code applied ) 2 ) completed {$50000.00} of transfers by XX/XX/XXXX 3 ) maintained transferred funds until XX/XX/XXXX 4 ) my account is still open and in good standing but they will not pay me the bonus. I contacted them on XX/XX/XXXX to inquire about the bonus and they said I would have received another email if I was eligible ( which was not mentioned in the promotional emails they sent me to entice me to transfer funds from my higher paying accounts to their lower paying accounts ). I asked for more specifics on why they would not honor the terms of their promotional email I met all the requirements for as I considered that false advertising and mentioned I would file a complaint with the CFPB. They replied on XX/XX/XXXX they would escalate my issue and respond with 24-48 hours but I still have not received a response as of XX/XX/XXXX or any valid reason on why they won't honor their promotion I completed the requirements for.
Complaint sub-issue: Information belongs to someone else

Not my information reporting on my Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid off my car lease with XXXX XXXXXXXX XXXX Equifax refuses to update their records and keep saying I owe a balance XXXX as of XX/XX/2021. This was paid off XX/XX/2021. I would like this updated on my equfax report
Complaint sub-issue: Was not notified of investigation status or results

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that don't even belong to me I am including a letter to explain about these items
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted the Credit Bureau on XX/XX/2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act US Department Of Edu # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}
Complaint sub-issue: Other problem getting your report or credit score

I tried to get a report from Equifax and on the second page online I am for me that the website was having problems and I couldnt get my report
Complaint sub-issue: Their investigation did not fix an error on your report

Hi I am writing this complaint on EQUIFAX. They both said they verified a XXXX/XXXX  funding on my credit report. 

I would like to argue they verified this properly because XXXX told me to ask for paperwork from XXXX. All XXXX sent was a statement saying I owe money. 


Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed XXXX XXXX XXXX with the credit bureaus as inaccurate but it came back verified. Under the laws and UCC 9.506 as well as state RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I demanded proof that the XXXX of the subject vehicle and proof of the commercially reasonable manner of the notification and XXXX  of the subject vehicle. IF no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void
Complaint sub-issue: Information belongs to someone else

There are multiple accounts on my credit report that are not mine I have writing and calling and I opened an FTC I am now doing a CFPB and I am also getting a notarized Affidavit regarding Identity theft this is not ok to have these on someones credit and bringing someone elses life down is not ok I need this resolved I should not be a victim and pay for this. 


Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  CARD Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF EDXXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF EDXXXXXXXX  Account Number : XXXX Reason : Unverified account Account Name : DEPT OF EDXXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF EDXXXX  Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : Unverified account XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2020 2020
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because EQUIFAX, XXXX, and XXXX XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Information belongs to someone else

I have appearing on my EQUIFAX credit report a fraudulent a ccount, XXXX/XXXX XXXX a collection agency XXXX XXXX XXXX XXXX attempting to collect for the XXXX original creditor.I have never ordered anything from XXXX at any time and is possible ID theft or an error of the original creditor. 
These should be removed immediately from my report. 
In addition I have a XXXX XXXX XXXX acct that is paid but shows a balance on my credit report.This should also be removed.
Complaint sub-issue: Information is missing that should be on the report

I have had a Best Buy Citi Visa credit card since the summer of 2017 and it is not on any credit reports. It has a XXXX $ limit, I paid off almost all of it except XXXX $ left. I have called them and they say they are reporting, but it isnt on any credit reports. All of my information matches the stuff they have on file though. I was hoping to get a big boost in credit score due to paying off such a large sum of credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$220.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had scheduled a time for XXXX XXXX to come and do the installation however, their technician was a no-show. I immediately contacted customer service with XXXX XXXX  and told them that their technician never bothered to show up and never communicated with me why he was a no-show. I cancelled my service and I was told by the representative at XXXX XXXX since their technician failed to show up for his appointment that cancelling would not result in my owing any money on this account and that this account was in fact closed. I did not know that XXXX XXXX had sent me to collections until I obtained a copy of my credit report. This false reporting of a collection is seriously harming my credit score and 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: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Complaint sub-issue: Personal information incorrect

Years ago I was a victim of Identity Fraud. Someone tried to obtain credit cards under my name and social security number. The credit card company realized there was something strange about the request and the cards were never issued to the requester. The police in XXXX Ohio were contacted and checked the address on the application and it was a XXXX XXXX XXXX. I have NEVER lived in Ohio. I have lived at the same address in XXXX XXXX, MA since XXXX 1978. I would appreciate having that fraudulent address removed from my credit history. Thank you ... XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

I received copies of my credit report from XXXX, XXXX, Equifax and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, XXXX, and Equifax claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.
Complaint sub-issue: Information belongs to someone else

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX-ny Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX/XXXX Inquiry from XX/XX/XXXX - Specialty - Shoe, Hat, Etc. 
XXXX Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Misc.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax closes a previous case and does not investigate, their INCLUDED WITH QUOTES. 

ASKING XXXX  IF EVERYTHING IS CORRECT IS WILLINGLY HURTING ME. THIS HAS BEEN GOING ON FOR 6 YEARS, AND YOUR RESPONSE IS TO SAY YOU WILL INVESTIGATE? YOU HAVE INVESTIGATED OVER 20 TIMES AND HAVE MORE THAN HALF OF THE MONTHLY REPORTING AS INCORRECT. YOU HAVE BEEN REPORTING SOMEONE ELSE 'S ACCOUNT ON MY CREDIT REPORT FOR 6 YEARS AND YOU DO NOTHING ABOUT IT. I WILL TURN A XXXX LAWSUIT INTO MILLIONS. YOU DO NOT GET TO RUIN SOMEONE'S LIFE FOR 6 YEARS AND COUNTING AND REFUSE TO DO ANYTHING ABOUT IT. 

YOU ALSO KEEP ADDING A CALIFORNIA ADDRESS ON TO MY CREDIT REPORT THAT HAS BEEN DISPUTED OVER 5 TIMES AND YOU REMOVE IT AND ADD BACK A FEW DAYS OR A FEW WEEKS LATER. YOU SHOULD BE SUED FOR XXXX XXXX FOR RUINING LIVES. 


" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. ''
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX  2018 I reported to XXXX, Equifax, and XXXX that an account appearing on my reports was fraud. I notified idenitytheft.gov and followed there reporting procedures for identity theft. I sent a certified letter to XXXX  and all 3 credit reporting agencies. XXXX immediately removed the account, but XXXX  and Equifax  have not.

Know XXXX is reporting this account as 90 days past due and charged off. This has resulted in my credit being damaged and has effected my credit.
Complaint sub-issue: Information belongs to someone else

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$100.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$660.00} XXXX  XXXX {$490.00} XXXX XXXX XXXX {$4000.00}
Complaint sub-issue: Account information incorrect

I received a credit alert from XXXX stating that Elan Financial Service reported that my balance has increased to {$2900.00} and as the result, my credit score dropped by XXXX points. I checked my XXXX credit card statements for the entire year and did not see any statement balance that exceeds {$2000.00}. I paid the majority of my credit card balance before the statement date and have auto payment set up to make sure I pay off my credit card every month so that my credit score won't be impacted. I contacted Elan Financial Services, the credit card issuer on XX/XX/2022, and was told that I need to speak with XXXX. When I called XXXX on the same day, I was told I need to speak with Elan Financial Service. 
I don't know whom I should contact and what I can do to prevent something like this from happening.
Complaint sub-issue: Their investigation did not fix an error on your report

I just obtain copy of my credit report and found there are unauthorized inquiry on all three of my credit reports. I have learned there was security breach and according to the credit bureau website my information was affected. I have disputed the inquiry with the bureau and was advised that inquiries are a factual record and that all information has been verified and accurate. No proof was sent showing how this information was verified.