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

Complaint against : XXXX ; Equifax and XXXX. Each is reporting incorrect information on my account. Combined they have inflated the balance of my accounts @ {$50000.00}. Additionally, I have repeatedly tried to have my credit freeze temporarily lifted so that Social Security can verify my identity and I can check my account, to no avail. I have written, called and complained, to no avail. Each of the reporting agencies indicate I am delinquent on my XXXX XXXX Credit Card, My XXXX  XXXX Credit Card, and my XXXX card. Each of these cards has a {$0.00} balance and have never been late. Further, ( 4 ) XXXX Credit Cards fraudulently obtained in my name were forgiven by XXXX and written off. I never benefited or used any of these cards nor do I have them in my possession. None of these cards have a monthly payment and I have never been late with any such payment. I never made a payment on these accounts. You can imagine the havoc this is playing with my finances.
Complaint sub-issue: Other problem getting your report or credit score

I've contacted Equifax numerous of times in regards to creditors not being able to access my credit report. This has been going on ever since they were hacked. I was given the run around with getting any answers in regards to solving this problem. i am unable to use my credit due to the fact that most companies use this credit reporting agency.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XX/XX/XXXX, I was XXXX and in search of new car. I went to XXXX XXXX XXXX in XXXX, SC and spoke with a gentleman with the last name of XXXX. We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that XXXX offered. I left the delearship with no car and about XXXX hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in XXXX inquiries. I bought the agreed upon car for the agreed upon price in XX/XX/XXXX at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and XXXX XXXX is probably still doing shady practices to unsuspecting consumers.
Complaint sub-issue: Was not notified of investigation status or results

I have sent several disputes via mail to XXXX, Equifax and XXXX  and no one is responding to my disputes and its been at least 3 months ... By Law these credit bureaus are required to research and respond to all dispute requests and they are not doing their jobs. I want these below items disputed and results sent to me within 15 days.

Dept of Education-XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust XXXX XXXX- XXXX Never paid late- Please adjust XXXX XXXX XXXX Never paid late- Please adjust XXXX  XXXX XXXX  XXXX XXXX Never paid late-Please adjust XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX - XXXX Unverified Account XXXX XXXX  XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2018 I disputed a fraudulent account with reporting a false incorrect social security number tied to this account on my Equifax credit file. The discovery was made that the Debt Collection Company named XXXX XXXX XXXX, Original Creditor XXXX XXXX has used the name on my credit file to falsely and fraudulently place the said account with a fraudulent social security number that does not identify me. Equifax Dispute result claims the information is correct even though it is obvious the social security number XXXX  XXXX XXXX has provide to Equifax does not match that of my true identifying social security number. Equifax has failed to properly address my concerns regarding the identity theft and I feel my dispute was never investigated. I have filled an Identity Theft Report with the FTC and have included the copy of my Identity Theft Report and all supporting documents required stated in the report from the FTC.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Call citi card company was informed if there was a error on the bank they would not report to the credit bereau, XXXX  XXXX began to argue with me and stated unless there was a error with the bank will I be able to remove the late inquiry on the credit report, what a affiliate XXXX XXXX
Complaint sub-issue: Need information about my balance/terms

This is a paid account with XXXX balance. The last date of activity was XXXX 2007. This account should have been removed from my credit report after seven years.
Complaint sub-issue: Account information incorrect

Company is reporting that my XXXX Payment of {$340.00} was 30 days late, which is incorrect. Then I see on their website that they have applied my XXXX payment to XXXX - which I have deferred. When I contacted them about the issue I was advised that it could take up to 60 days to correct. Unfortunately due to unforeseen issues I can not wait 60 days and need my credit report corrected.
Complaint sub-issue: Information belongs to someone else

Hello, I would like to report a mistake in my credit profile. Somehow I have accounts that are not mine in my profile. I rechecked couple of times and they are being reported over there. I am writing again, to request that you reinvestigate these accounts, and delete them. I have very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. Its identity theft! 
Please help me and remove these accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX Reported : XX/XX/2020 {$460.00} Needs Attention XXXX XXXX {$1000.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$93.00} XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX/XXXX  {$0.00} XXXX XXXX  {$0.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
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 General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Complaint sub-issue: Information belongs to someone else

Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Complaint sub-issue: Their investigation did not fix an error on your report

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the inquiries and charge-off accounts. No changes were made. No investigation was conducted at all. Please remove and update these items immediately. Below are the inaccurate accounts on my credit report : Inquiries XXXX XXXX XX/XX/21 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit inquiries on your report that you don't recognize

There have been unauthorized inquiries on my Equifax credit report, they need to be removed immediately as i have already contacted the creditors who to recognize they 've made an error. I 've sent the creditors responses to Equifax who totally ignored the letters i received stating the inquiries should be removed. This this taken care of as soon as possible otherwise ill seek immediate litigation.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. SYNCB/CC on XX/XX/XXXX XXXX Reported Identity Theft ) 2. SYNCB/CC on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Account information incorrect

I pay my parlance on my credit card always and I explained this to XXXX XXXX equifax and every month they do the same thing they lowered my scor and then ask me to pay money to raise my score so they do that on purpose
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX  - XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX  Balance {$250.00} Opened Date XX/XX/XXXX XXXX/XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX/XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$300.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$960.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$580.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$600.00} Opened Date XX/XX/XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

This is directed to XXXX XXXX in reference to CFPB complaint # XXXX I understand banking terminology can be very difficult so let me teach you about terminology. 
First off, an XXXX transfers are transfers from bank to bank, external transfers. 
XXXX XXXX XXXXXXXX Another source XXXX transfers include external funds transfers, person-to-person payments, bill payments and direct deposits from employers and government benefit programs. Business-to-business payments are another one. ( nerdwallet.com ). 

You wrote, " Records confirm the deposit of {$5000.00}, made on XX/XX/XXXX, was an external transfer from an account held by you at XXXX XXXX. '' Again, external transfers are what an XXXX transfer is. I am astounded that they allowed you to spew this gibberish and nonsense. 

Im happy to send a demand letter for what I am owed. Since you directly explained what an XXXX transfer is, said that I did that, and then said that I was not eligible for the bonus. 

I would highly recommend you speak to someone in your department that is competent and banking regulations and terminology. As of now, US Bank is in breach of contract which would warrant legal action.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2018, I received information from XXXX of a Public Record on my credit file. I was curious and wanted to find out where this information came from. I found out that part of the information came from a company called Lexis-Nexis. I never did business or heard of such a company so I contacted them to see what type of business this is and where did they obtain their information. They explained that they were not a credit agency although they collected and distributed information on consumers. I asked since they are a source of information for businesses is their any requirements that they should obtain authorization from a customer before they sell or share such information? 

This is found on the website : Please note that LexisNexis Risk Solutions is not a credit bureau and does not maintain a database of credit information. We do not have the ability to add a security freeze to your credit file. 
If they do not maintain credit information then their access appear to be unlawful and possible fraudulent. Please share your information in regards to this company. As XXXX of Lexis-Nexis that they are in compliance with all regulations. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I recieved a copy of my credit report and noticed inaccurate information on my report. EQUIFAX is reporting an duplicate account which also have inaccuracies and this is hurting my credit rating. Account XXXX in derogatory status with a balance reported XXXX and account number XXXX a open status with a reported balance of XXXX. How can this account be reported twice on my account as opened & derogatory? On XXXX XXXX  I mailed a letter requesting EQUIFAX to investigate these accounts and inaccuracies and their response was that the accounts were accurate and verified. On XX/XX/2022 I also requested the furnisher XXXX XXXX XXXX  to provide me with proof of debt, evidence to collect this debt and account history including collection activity. It has been over 30 days and I haven't gotten a response. On XX/XX/2022 I requested EQUIFAX to provide me with proof of debt and to reinvestigate and on XX/XX/2022 they responded that the debt was verified again and didn't provide any proof. EQUIFAX is in violation of SECTION 15 U.S. CODE 1681I ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFOMATION. ALSO PURSUANT 15U.S.1681B ( A ) ( 2 ) FALIURE TO FUNRISH INFORMATION IN ACCORDING WITH WRITTEN INSTRUCTION TO WHOM IT RELATE. EQUIFAX IS ALSO IN VIOLATION TO SECTION 623 FOR DEFAMATION, WILLFUL INJURY. THESE ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORT!!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my 4 kids and wife. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit report shows late on both Equifax and XXXX. Requested to be fixed by XXXX  XXXX and they refused. I was informed by credit bureaus that it isnt their job to make sure its correct. It needs to be corrected because it is keeping me from purchasing a home.
Complaint sub-issue: Trouble with how payments are being handled

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, again 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX and 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Complaint sub-issue: Reporting company used your report improperly

Under Federal Law, ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 U. S. Code 1602 ( l ).

This account is associated with my card ( social security card and it identification card and therefore under Federal Credit Reporting Act 15 U. S. Code 1681 ( a ) under the Exclusion section ( b ), any authorized or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report.
Complaint sub-issue: Public record information inaccurate

I contacted XXXX  and Equifax recently regarding information reported on my credit file. I inquired about the individual/s that reported to their concerning regarding a bankruptcy in XXXX and XXXX. I was advised by the representatives/ and supervisor that the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  reported the information to XXXX  and Equifax . I asked that information be removed in accordance to Section 1681 ( 5 ) of FCRA ( Fair Credit Reporting Act ) I was told they would not be removing because the above entity reported this information. The above-mentioned credit agency was advised that the Bankruptcy Court did not report this information and I presented proof of this information to the credit reporting agency. I received and update to my credit report on XX/XX/XXXX stating they had completed my dispute. XXXX  and Equifax seem to not follow the law in reporting fairly and in accordance to the law. I have attached the letter of removal sent to Equifax and XXXX, the letter from the bankruptcy court, and their removal for non-compliance XXXX XX/XX/XXXX I received an email from XXXX  stating they removed one of the public records but the other one remains. Equifax reported the 2 public records will remain. I have sent the letter from the bankruptcy court and XXXX  XXXX which states neither party reported this information to Equifax or XXXX
Complaint sub-issue: Problem during payment process

I have a Citi custom cash XXXX with a {$9400.00} credit limit. I made some large purchases and did not have any credit available. I made XXXX payments XXXX from the Citi website coming out of my XXXX Checking account on XX/XX/22 in the amounts of {$4500.00} and {$3100.00} for a total of {$7700.00}. 

The money came out of my account on XX/XX/22 and was credited to the account but they have not credited it towards my credit limit. When I called Citi they told me their was a hold on the payments because I made multiple payments in one billing cycle, I only did this because I needed the credit available. they told me the hold will be in place until XX/XX/XXXX. That is 9 business days after the money has left my account and they received the funds. 

XXXX transactions should clear in 3 days not 9! They had no problem taking the money from me and are now holding it, interest free. This is unacceptable.