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

I CONTACT EQUIFAX  ABOUT THESE INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL EQUIFAX TO HAVE THEM REMOVED OFF MY CREDIT, WHEN I CALL THEM ABOUT THIS PROBLEM THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEEDS TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. WITH THESE UNKNOWN INQUIRY THATS NOT 

XXXX XXXX XXXX	
XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
 XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX  
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Complaint sub-issue: Debt is not yours

Jefferson Capital Systems is reporting I owe XXXX on my XXXX  Credit Report and showing XXXX on XXXX  Credit Report. I work with a debt company who has gotten this account closed but they are still attempting to collect.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Can't decrease my monthly payments

My school was closed down in XXXX for not being in compliance with the Department of Education. They received this loan and I never seen anything from it. I ca n't afford to pay back this loan and I want to know I should have to repay all of the money when I never received any of the money. They took out more money than was needed at the time and I have n't completed school with them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Pursuant to 1692g, i am requesting the Method of Verification for the following disputed account This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Credit Reporting Agency permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

There is an errant account on the credit report and it needs to be removed. Also enclosed please find Debt Validation and ID Theft report reporting the identity fraud. By law the account must be removed from the credit report. Please send an updated credit report with the outcome to this official dispute of the account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard inquiries on report I don't recognize. XXXX XXXX, XXXX XXXX XXXX ( XXXX )
Complaint sub-issue: Debt is not mine

My credit reports reflect a debt in the amount {$770.00} owed to XXXX XXXX XXXX company as the originator. I have disputed this debt numerous times for years with no success. Each time the debt returned as verified. I requested verification of this debt, but have received nothing.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results. XXXX I do not own the debt that they are reporting I sent them a letter and never received anything back from them. I filed a complaint with CFPB they stated that they have the info that I was requesting showing that the debt was mine they have yet to provide me with those documents it was also showing on XXXX XXXX that they report 120 days late in XX/XX/XXXX when they show opened on my account in XX/XX/21 and its been 30 days remove this account off my credit report asap. State of MD the same case sent certified letter and filed a complaint and nothing remove this account. XXXX said that I was late never showed proof to me and never sent a charge off statement that by law they have to send to me please remove this account. Equifax has also refused to remove Inquries that was placed on my credit report that I did not give the ok to I have sent these companies certified letter also and no response back and they are still showing on my report. XXXX XXXX, XXXX XXXX, XXXX Please remove asap off my credit report.
Complaint sub-issue: Company closed your account

L

ogged into account to find out it was closed with no notice. Called customer service and they can not explain why I wasnt notified. Said it was in activity for 2 years but I. The account is a summary from 2019 with transactions on it. Rep put in to see if it can be reopened ( not holding my breathe ) and that Id receive a letter, we shall see. Also stated she would put a complaint in.
Complaint sub-issue: Investigation took too long

EQuifax refuses to remove or delete these items, from my credit report which have not been validated by creditors
Complaint sub-issue: Reporting company used your report improperly

Checkr, Inc. conducted two background checks of me for XXXX XXXX XXXX XXXX. I looked at the one from XXXX & it gives information going back as far as XXXX. The one for XXXX 's goes back as far as XXXX. I got this information today XX/XX/XXXX. Due to this information XXXX 's denied me a chance to work for them. My understanding is that the background check should not go pass 7 years!
Complaint sub-issue: Information belongs to someone else

I have disputed XXXX XXXX XXXX XXXX fraud account on my credit file due to fraud. This account is connected to fraud account XXXX XXXX account that has been deleted and is/was fraud as well from my credit file. I have explained and disputed this to XXXX on several occasions to no prevail. XXXX says that it is accurate and it is not! Its a fraud account associated to the fraud account XXXX XXXX account. Please have them to correct/delete this account from my credit file permanently! The most recent dispute was completed on XX/XX/2022. XXXX keeps allowing this same fraud account to continually reappear on my credit file under different names. Please help me stop this vicious cycle.Thank you
Complaint sub-issue: Contacted me after I asked not to

XXXX XXXX XXXX Continues to come to my home looking for someone who does not live in the house knowing he does not live with us. Bangs heavily on the door and sits in his car watching the house. Now they are taping things to my door.
Complaint sub-issue: Personal information

my actual name on my nys id is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, new york,XXXX not XXXX XXXX XXXX XXXX, this is no XXXX XXXX XXXX XXXX or XXXX like equifax , XXXX and XXXX has it on my credit report, i have ask them to fix the issue more than once with no luck i even send a copy of my id and fax it also and email it too.
Complaint sub-issue: Personal information

there is a address on my report that i never been or lived in my life
Complaint sub-issue: Didn't receive enough information to verify debt

Never received any notice that {$370.00} was owed, not a phone or notice, just got a notification that a had a bad collection on my credit XX/XX/XXXX, I have ask for validations of debt several times and I have not received anything I have even offered a pay to delete XX/XX/XXXX and it was refused. I need this off my credit or the debt needs to be validated. 

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

I disputed this inaccurate account on XXXX of 2020 with all three major credit bureaus, ( XXXX, Equifax and XXXX ). The account I disputed was XXXX XXXX and dispute reason was that this closed charged-off account is adding interest to the account. By the FCRA, I believe this is a violation. I asked for this account to be deleted immediately and neither one followed the fcra laws. So I'm contacting the cfpb to get involved and help with this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

I contact XXXX XXXX to point out all the inaccurate lates payments that were reporting on the alleged account I had with them a month later I see no change on my credit report, XXXX XXXX did not even contact me and I know it is ethical to go into a closed account to remove inaccurate late payments on a consumer file I just don't know why XXXX XXXX is yet to do it. This alleged account is inaccurate because its late payment pattern does not even agree with the payment history key for each bureau its pattern is being reported in your typical 30,60.90 pattern and I prompted them to remove those late patterns for a perfect one since the accounts paid off and an inaccurate account should not be reported at all due to inaccuracy I mean all the status dates are outdated the creditor obviously gave up on ethical reporting a while ago but yet no response, I would like this dispute forwarded to the XXXX XXXX task force to further help with the investigation of this inaccurate account
Complaint sub-issue: Can't use card to make purchases

On XX/XX/22 my account was closed by Citibank without warning. Account XXXX They state that because of revolving credit limits being high they want to close my account. I have not once been late on any of my bills/credit card bills/mortgage, etc. All this can be seen in my credit report that they pulled.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Information belongs to someone else

This is a written request to remove fraudulent information that is showing in my credit file, I have file an FTC complaint that is attached to this complaint. 
My information has been breach in pass equifax and other breaches, please remove these fraudulent information from my equifax report. 

Thank you.
Complaint sub-issue: Account status incorrect

During the pandemic last year XXXX, I applied for a Forebearance from my mortgage company XXXX XXXX. It was approved and I did not pay XXXX, XXXX and XXXX 's mortgage. I was told this does not affect your credit score. On XX/XX/XXXX I did a wire transfer to XXXX XXXX XXXX which paid my loan up to date. Somehow, in XXXX it was on my credit report that I was deliquent for XXXX, XXXX and XXXX with my mortgage. I spoke with a XXXX Extension XXXX at XXXX XXXX in XX/XX/XXXX and she said sge would take care of it. It was a mistake. I did receive a letter saying it was taken care of. It is still to this day on my credit report. I will ask them again, because I just found out today that it is still on my credit report. How do I rectify this? I am ready to build our house and it came up on my report.
Complaint sub-issue: Personal information

I am concerned that my personal information has been compromised. I am a XXXX employee which were compromised in the giant Fed hack recently. I have had fraudulent charges appear on at least XXXX of my credit cards recently, both individual accounts and authorized accounts. Additionally, at least Equifax includes both an incorrect address and an incorrect " alternate '' social security number for me. Those appear to be typos as they are only off by only XXXX or XXXX digits, but I 'm still concerned due to exposure in at least the hack on the XXXX database. Also, I 've been the target of phishing attempts that show evidence that thiefs have at least some of my personal info at their disposal. I would like to get an alert or something in that vein to alert potential creditors of potential identity theft or fraud. Thank you for your help.
Complaint sub-issue: Unable to open an account

After doing research and speaking with colleagues, I decided to open an account with UBS Bank USA. I am aware they are a wealth management entity, but they advertise a product called RMA ( Resource Management Account ), with a fee of {$170.00} per year which can be waved in a number of ways. This seems to be their equivalent of bank management, together with investments, if the client so chooses. They do not require a minimum deposit to open. However, it seems the only way to open an account is in person, through one of their Financial Advisors in person. After contacting my local offices, each office was very shady and each office set their own rules, minimum deposits and conditions. One office was finally able to confirm the account fees and how to wave them ( the omitted the direct deposit option, which exists ), but then stated nobody was available to assist me with opening an account. This was the email : " Thank you for your interest in an Resource Management Account. Our primary services are investment management. Banking services are a compliment. The annual RMA account fee is {$170.00}. Waivers are provided to those who keep a balance of XXXX XXXX, make a deposit of {$250000.00}, or have the Infinite Visa card ( {$490.00} annual fee ). 

Please let me know if you have any additional questions. '' It seems this bank employs shady tactics similar how car dealers operate, and each branch seems to be acting in their own arbitrary way.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was astonished once I obtained my XXXX XXXX and XXXX XXXX reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Complaint sub-issue: Received bad information about your loan

2 years ago I started my effort to Pay in Full my student loan Bill. I call XXXX XXXX many times to rehash the topic I was told by members of the US Department of Education loan officer that My loan was consolidated to my Ex-wife 's daughter, Not my " spouse and that I can not separate these loans apart. They said this is Fraud. I have called the Attorney General office, the Ombudsmen, and XXXX XXXX and heard them say the same word or term FRAUD! I have asked them to un-due, dissolve this consolidation going on for the past 2 years. Each agent I spoke with said the term '' FRAUD '' but send me down the road to another department having to explain to each agent the whole story coming back with fraud and consolidation could only be if it was for my Wife. Not " Step Daughter ''! 
So once again they send me and my effort to pay my student loan to another department to Again repeat the story. I am now in the process of hiring an Attorney to sue each and every one of these US Department of Education! They allowed this consolidation to take place knowing it to be fraud and not a CO-SIGNING. 
If you please advise me or procedures to have them do their business and stop pushing My Can Down The Road! This loan is now in Forbearance and I refuse to pay for a student who BTW works for a Non Profit organization and her real father was suppose to pat for most of her College education which UI believe this money 's was hidden from me by my wife at the time that she asked me to Co-sign. Thx You, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX  Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX : XXXX, have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

I submitted request to XXXX & they replied its my Debt? 

My request was this I took a class tonight & learned this I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of the info on my consumer report
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint in response to the recent investigation done by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time the Bureaus are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless they notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On the XXXX of XXXX I was double charged for Medical Services averaging in over {$400.00}. 
When I set up an online account to pay by ACH checking account, it was obvious that a XXXX Party was online with me, as XXXX Medical Charges under Peepers.com ... .using the term : Non specific Medical Charges appearing XXXX as though I had an Eye Exam, and fitting for non Rx reading glasses. 
The first Medical Charge was grabbed and switched to a merchandise purchase. Then there is a XXXX charge. 
I was a TENANT INSIDE A REHAB HOSPITAL AND MY INSURANCE PAYS 100 % AND THEREFORE THERE IS NO NEED FOR MEDICAL SERVICE CHARGES. 
THE FRAUD DEPARTMENT IS VERY LAXED AND JUMPED AT THE CHANCE TO BLAME THE CUSTOMER ... SHOWING A LACK OF INTEGRITY AND PROFESSIONALISM. USUALLY AN APOLOGY IS MADE AND AN INVESTIGATION IS LAUNCHED FOR XXXX TO XXXX HOURS. 
THERE ARE SO MANY COMPLAINTS AGAINST DISCOVER THAT MAKE THEM LOOK VERY SHADY, I DOT THINK I WOULD EVER EVER TRUST THEM AGAIN. 
I LAUNCHED A COMPLAINT WITH THE FTC FOR DECEPTIVE TRADE, AND FALSE ADVERTISING FOR PROMO CASH DEALS UP FRONT. I COULD NOT GET MY ACH TO GO THRU THE FIRST TIME AND THE XXXX TIME, THEY CAN'T SEE WHETHER MY ONLINE PAYMENT WENT THRU, OR WHETHER THE XXXX XXXX EXTRACTED MY BANK ACCOUNT NUMBERS AND SAILED AWAY WITHY LEFTOVER CASH. 
VERY POOR SERVICE... OUT FOR THEMSELVES, AND REALLY ARE JUST AS CLUELESS AS AFFIRM ONLINE SHOPPING INSTALLMENT LOANS. YIKES! WHAT A NIGHTMARE ... CONSUMER IT UTILITY TRAPS IN SETTING UP LOANS WITH AFFIRM, TOO!