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

On XXXX I received a noticed from XXXX XXXX that equifax reported a Hard inquiry into my credit. This inquiry lowered my credit score approximately five point for up to two years. I called and spoke to Equifax, they told me contact XXXX XXXX XXXX. I contacted them and explained to them and told me that they were the one 's that did the hard inquiry. I asked them why they did the hard inquiry and the told me from time to time they will do hard inquiry 's to see if they could offer a unsolicited loan and or a credit card. This is not right, I don't have a open account with them and I didn't ask request one. Please help. 

Thank you
Complaint sub-issue: Was not notified of investigation status or results

Hello, I been talking to XXXX by phone about a dispute that they reinvestigated 3 times already, the first report which was created on XX/XX/2019 as it read Account Dispute Opened We have opened your Account Dispute The dispute for the account with THE BUREAUS INC that starts with XXXX has been received and should be completed by XXXX.which at the time I submitted all documents to support my claim, that I sent a certify letter to the address that they was reporting to the and it came back returned with no forwarding address, and the finished their investigation on XX/XX/2019 that read THE BUREAUS INC Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted then on XX/XX/XXXX, THE BUREAUS INC re inserted the account back on my credit report THE BUREAUS INC has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency XXXX has investigated this matter twice and now the report comes back as verified or THE BUREAUS INC Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains please look into this matter as I spoke with reps of XXXX as they tell me the can find anything that says this matter was deleted from my file
Complaint sub-issue: Was not notified of investigation status or results

I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I have received any investigation results.
Complaint sub-issue: Old information reappears or never goes away

Equifax is illegally reporting XXXX XXXX/XXXX Chargeoff Account # XXXX tradeline that is more than seven years old on my credit report. This is negatively impacting my credit score. Both XXXX  and Equifax have long removed this tradeline due to it exceeding the time period it can legally be on my report. I demand that this tradeline be removed immediately. I attempted several times to dispute via Equifax 's online dispute however the dispute page is not properly loading.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and my personal data was breached in the hack. I am currently freezing my credit and performing credit checks to prevent against identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX XXXX XXXX  is reporting Negative Account - Collections on behalf of original creditor Bank of The West. Balance of {$460.00} is being reported as below : Individual ; Open ; Unpaid ; Collections- {$460.00} In fact this was a Joint account ( checking ) not an Individual account. On XX/XX/2018 Joint account ( checking ) was Closed per Bank of The West. Financial institution Bank of The West is also reported Joint account ( checking ) within other financial institutions as Account Abuse. There was discrepancies with the Routing and Account numbers being incorrect and different than what was printed on the ( 4 ) books of checks issued by the financial institution Bank of The West. I was only able to use my Joint account ( checking ) on 2 occasions as neither account holders were able to pay for goods using the above mentioned bank issued checks anywhere.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am XXXX XXXX and I am submitting this complaint myself to address the imprecision on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX - Date of inquiry XX/XX/XXXX ; XXXX/XXXX XXXX - Date of inquiry XX/XX/XXXX ; EQUIFAX MORTGAGE SER - Date of inquiry XX/XX/XXXX ; EQUIFAX MORTGAGE XXXX - Date of inquiry XX/XX/XXXX ; XXXX XXXX - Date of inquiry XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax reporting agency is not complying with the fair credit act.. i have submitted atleast 4 times a dispute for XXXX medical bill for XXXX  XXXX  XXXX. Ive have countless conversation and always promise it will be resolved and yet they never look into it, they want to get me off the phone. 

In addition, i sent in my photo id. ss card to them numerous time to remove inquires that was unauthorized on my report. again no one wants to take the time to assist. 

XXXX  and XXXX  received the exact same request! and removed it off of my report immediately.
Complaint sub-issue: Account information incorrect

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX/XXXX-XXXX # XXXX****, XXXX XXXX XXXX XXXX****, XXXX/XXXX # XXXX****, XXXX XXXX XXXX-XXXX XXXX # XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2019 - There is a fraudulent hard inquiry ( making my credit score go down ) on my Equifax credit report ( but not my XXXX  account ) from XXXX XXXX dated XX/XX/2019. I disputed with Equifax and their reply was 'inquiries are a factual record of file access - contact the creditor '. I contacted XXXX twice and after being on hold forever, finally reaching a person, I was then disconnected on both calls ; the third call I was told there was nothing with my name, no account and my social security did not show up with them at all. I asked them to contact Equifax to verify this information and was told they could not do that because there was no information showing up. I have never requested any wireless service or tried to set up an account with XXXX XXXX - have had my wireless service with XXXX for 15+ years now. I contacted Equifax and told them what XXXX said and was told filing a dispute with FTC or police was my only option now.
Complaint sub-issue: Investigation took more than 30 days

I already sent Debt Validation ( XXXX Letters ) dated XX/XX/2022 for the items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also sent another letter for the method of validation. It's been more than 30 days and I haven't received any response.
Complaint sub-issue: Account terms

Equifax removed all of my accounts from my credit report, then re-added them but without any payment history information, positive payment history, causing my score to drop XXXX points and therefore intentionally depriving me of the positive payment history reported to them. I am attaching proof of this via a report of the major XXXX obtain today. They refused to acknowledge the errors submitted in a previous complaint.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021
Complaint sub-issue: Funds not received from closed account

Closed a savings account on XX/XX/XXXX. The representative who closed the account told me a check would be overnighted. I've contacted them numerous times and spoke to many diff departments but they have not responded. The reps I spoke with do not know when the check would be issued nor when I would receive it. This is an unethical business practice in an effort to keep my money longer. They also stated I would not receive interest for the month of XX/XX/XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I applied for a mortgage yesterday. My credit score from Equifax dropped over 100 points from yesterday from today, yet nothing negative was added to my report. Coincidentally, I called Equifax to ask about a dispute that was showing on my report. Within 5 minutes my score dropped over 100 points. After being on the phone all day with Equifax they've come to the conclusion their algorithim may be incorrect, yet offered no advice as how to fix this mistake. As a result, I have been denied a mortgage.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Credit card company ( Citibank ) refuses to resolve dispute on my behalf for unauthorized charges for services which were cancelled. I provided documentation to Citibank showing I had cancelled the services I was disputing, and they still refused to resolve this dispute.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I entered into a debt consolidation program in 2017. Discover had me served with a judgement from a court stating that I was being sued for what I owed them. I was a plaintiff in a mesh lawsuit and received compensation for my injuries. DiscoverBank seized their full amount due and fees out of my checking account to fulfill the debt. However, on my credit reports which I have disputed several times, Discover states it was a charge off and that they werent paid in full. It was very odd how they just seized the money in my account the very next day after depositing into my XXXX  XXXX my lawsuit award. Which was about a year later. My debt with them was XXXX. They seized XXXX. My credit report should show them paid and full and then some, NOT a charge off. Thank you for your help with this matter. Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX 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 with my written instructions.
Complaint sub-issue: Problem with customer service

I have had a Discover Card since 1989. I have never missed a payment. Discover closed my account due to inactivity even though I made a purchase and paid in full as they requested. I called customer service and was told there was nothing that can be done. The supervisor, XXXX, did nothing to find out if there was a simple reinstatement process. I feel as though I have been an outstanding customer and complied with their rules and they closed my account and affected my credit score as a result because now the age of my credit and credit lines have become reduced. After a number of calls and a letter they refuse to reinstate my account. I have done nothing wrong. Please help.
Complaint sub-issue: Investigation took too long

I submitted a dispute to Equifax on XXXX/2017 and they have acknowledged the receipt of my dispute over the phone, and online. I looked online today XXXX/2017 to view the results and they are still pending 32 days after filing the dispute. The law states that they have to have a completed investigation back in 30 days after filing of the dispute and they have exceeded that time frame. I also requested from the alleged creditors verification/validation of the alleged dept. and have received no response from them either. I can only assume since I received no response from the alleged creditor that Equifax has not as well, and are trying to stall so that the alleged creditor has longer to respond. that is not lawful and I demand that since they are unable to verify the alleged debt and terms then they most immediately remove it from my credit file.
Complaint sub-issue: Information belongs to someone else

Sometime between XX/XX/XXXX and XX/XX/XXXX my creditors went missing. Please see screen shot with list of 22 revolving accounts - 1 mortgage - 2 installments a total of 26 open accounts - none negative. some how my report " split '' off and I have a merge with someone else 's files. Please see attached screen shots. You can see im using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you can see the history of my report from pull down of old accounts showing and now not showing with most recent report. Two accounts that are reporting are not mine are XXXX XXXX XXXX XXXX XXXX in charge off / collection status. They are currently under dispute and need to be removed from my report. I have tried to get someone from Equifax to help me they said they opened case # XXXX but no one knows what that is. I speak to reps from office of consumer affairs and are rude, disrespectful and not helpful. Equifax XXXX.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

My account was just unlocked by XXXX last week and then a few days later reliacard actually locked my card. Im not sure why. There was no explanation on why they just did it.
Complaint sub-issue: Account information incorrect

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 compliant accounts should be removed : Creditor : XXXX/XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX/XXXX  XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX  XXXX- Account : XXXX**** Creditor : XXXX   XXXX  XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX  XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX   XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX   XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX********** Creditor : XXXX XXXX - Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX******** Creditor : XXXX/XXXX XXXX- Account : XXXX***** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Complaint sub-issue: Account information incorrect

I tried to fix this with nbt bank and they refuse to correct this I owe XXXX not XXXX and they will not correct it
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I requested from all three bureaus that the information on my credit report was passed the California statute of limitations on collectable debt. I asked all three bureaus to remove these items if they could not be validated by the Original creditor in writing that I had signed a contract. None of them could provide this but did not remove from my report. They said debt was validated but supplied no proof.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have these hard inquiries listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Personal information incorrect

I send a validation letter to bank of the west via certified mail asking them for validation of debt thats showing on my credit report, but they never responded back even when I know they got the letter because I got their signature on return certified mail. They are still reporting negative information on my credit report violating my rights under FCDPA.
Complaint sub-issue: Account information incorrect

Lost card and requested new card to pay the bill online. Citibank not sent credit card in right time to register at online pay the bill. 

Now, they are showing 30days delay.
Complaint sub-issue: Account information incorrect

on XX/XX/20 I sent a letter to all three bureaus regarding inaccurate information on my credit report and to this day over 60 days later I have not received a response yet.I feel like I am being taken advantage and being ignored of my disputes.I demand these inaccurate information removed immdiately.
Complaint sub-issue: Their investigation did not fix an error on your report

I attempted to make a Payment to   XXXX   XXXX   a old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit from 3rd party.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned. They (   XXXX   XXXX   ) could NOT find or verify my account using the information found in my credit profile.     This me ans two thin gs : : : They do n't have me as   a credit collections client and therefore it should be remove according to FCRA law [ 623 ( a ) ( b ) ]. Or ....
Whatever is reporting is reporting so erroneously the data does n't line up and is so corrupted that it again according to FRCA law [ 623 ( a ) ( b ) ] should also be removed.
Complaint sub-issue: Information belongs to someone else

Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed ReportedXX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Diversified {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX
Complaint sub-issue: Received bad information about your loan

XXXX XXXX received my Direct Consolidation Loan from XXXX approximately XX/XX/2018. I have been making payments to this consolidation loan at XXXX that qualify toward payments under the PSLF. I have phoned several times, but I have not got XXXX XXXX to research the documents received from XXXX  so that I can have the appropriate number of qualifying payments post to my account.
Complaint sub-issue: Information belongs to someone else

Immediately Delete all accounts listed in the attached FTC Report.
Complaint sub-issue: Information belongs to someone else

XXXX NEEDS TO DELETED XXXX NEEDS TO BE DELETED THESE ARE NOT MY ACCOUNTS I WAS FORCED TO PAY. THEY PROMISED TO DELETE THESE ACCOUNTS ITS DESTROYING MY LIFE AND MY FAMILY.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I check my credit report and seen some unauthorized inquiries. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX OR XXXX, XXXX : ACCOUNT # XXXXXXX, XXXXXXXX XXXX  : ACCOUNT # XXXXXXXXXX, XXXX XXXXXXXX : ACCOUNT # XXXXXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXXXX, XXXX ACCOUNT # XXXXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXX 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 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 XXXX 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.