Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself to check the reason why my score was so low. I knew I was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple of items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/21 I went to XXXX XXXX at XXXX with someone < XXXX y/o. I was not informed of the policy of > XXXX y/o after XXXX until my card was charged. I was promised by the cashier that they would process the refund at the end of the day if we didn't play any games and just left. After a couple of weeks with no refund, I called XXXX inquiring the refund and was told they don't recall my story so I opened a dispute with Discover on XX/XX/21. Discover gave a temporary credit while they were investigating and originally sided with me. Then on XX/XX/21 they charged me back for the transaction, but credited it back on XX/XX/21. On XX/XX/21 Discover decided to side with the merchant and charged me again, but this time with no credit back.
Complaint sub-issue: Information belongs to someone else

I have fraud address on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas i have 7 inquires on my equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there is account fraud account XXXX  XXXX  for amount {$100.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Equifax failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Equifax more than 30 days ago with proof. 
Hard inquiries should be removed based on the FCRA violations.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX 2017, I went to XXXX of XXXX ( XXXX XXXX ) to get a loan for a used car. I talked to a salesman because I already knew the car I wanted ( I went the day before that and already saw the car ). When I test drove the car and decided on the price and the monthly payment before he pulled my credit I clearly told him that I 've read that sometimes when you shop for a car the dealership pulls your credit and it can create multiple hard inquiries on your credit report and these could be in the report for up to 2 years. He assured me that they do n't have such practices. He went and came back with my credit score which was XXXX. It went well afterwards because they were able to stay within my range of payment. I went to see the financial guy and asked the same questions about the possibility of hard inquiries and he told me and assure me that they do not operate like that. I did believe them and after 2 hours of transaction and a interest rate of 6 % I drove with my new possession. On Tuesday, I received an alert on my XXXX XXXX stating that I had something in my credit report that needed my immediate attention. It turned out that the dealer made XXXX hard inquiries on my credit. Of course I tried to call them after that and after so many unsuccessful attempts to reach somebody who could explain this situation, I finally decided to go and talk to the manager. He did not care much about me or what I had to say to him. He barely paid attention to what I was trying to explain and my confusion. he vaguely told me that he would try to " find out what happened '' and he was done! Since I was outside in the dealership parking lot he decided to come back to me and explain that he just saw the report and that they did all those inquiries because XXXX of the bank did not want to finance. My question is : how about the other XXXX. The dealer and the financial guy were nowhere to be found. That is how I talked to CFPB to see what were my options. I would like to confront them and have only hit on my credit. I just made a home purchase and had XXXX hard inquiries. XXXX is abnormal to me and what is frustrating is the lies and the disrespectful way of dealing with consumers. I work hard for my credit and believe that I was treated poorly. They made all those hard inquiries in 1 day so I it should be counted as XXXX hard hit and not XXXX. Thanks for your time
Complaint sub-issue: Account status incorrect

I have tried to open an on-line dispute on several accounts with both Equifax and XXXX. Although I can get a credit report, it will not let me use the on-line dispute center and without it nothing gets done. Finally, I gave up and filed blind dispute over the phone an email. 

The confirmation number is XXXX for Equifax, I do not have the conformation number for XXXX. 

Today I was finally able to get through to the XXXX Dispute Center, lo and behold they show no disputes! Even though I have a record and dates that filed them, even the chat log, while discussing. 

This is a deliberate attempt to block people from correcting the record ; they are working with the criminal and harassing " Collection Agencies ''. I had a dispute on over 12 items ( Medical ) ; disputing the same accounts in the other credit agency! 

I demand an updated Credit Report from all three agencies immediately, along with a list of all disputed accounts or records with their statuses and tie to completion.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

I have been disputing this debt with the company and the credit reporting agencies. I have sent all the documentation in. I provided everything, instead XXXX has violated my rights numerous of times, in which I the consumer have never gave them any type of consent to furnished my credit report with such information. The information is inaccurate. I provided them with everything but they have stalled to remove the item all while violated 15 US code subsection 1692 ( b ), 15 US code subsection 1692 ( d ) ( 1 ), and others.
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I made complaint twice on this account and it was deleted off my XXXX. This originally deleted off all three credit bureaus from previous collection agency.
Complaint sub-issue: Their investigation did not fix an error on your report

I informed Credit Bureaus that this company was violating the Fair Credit Billing Act by illegally adding fees and yet you did nothing to correct the matter. Had your record-keeping been accurate, proof of the last statement would have revealed such horrendous behavior. You are condoning illegal behavior and credit bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Complaint sub-issue: Problem with fees

I currently hold the bank 's Visa XXXX card which includes many travel benefits and costs {$400.00} per year. On XX/XX/2019, I was charged the annual fee for the upcoming year. On XX/XX/XXXX, the bank decided without prior notice to remove many of the card 's benefits for the upcoming year. Included in this change is the discontinuation of the Visa XXXX Discount Air Benefit, the addition of a charge for all guests that accompany the primary member into a Priority Pass lounge, the discontinuation of gasoline and grocery purchases earning bonus ( triple ) points, and a cap of {$350.00} in Airline Incidental Fees Statement Credits per card account ( versus {$250.00} per cardholder including additional cardholders ). 

I discovered these changes on my own several days after they occurred ( the bank has not yet formally informed me ). I was advised by the bank that I would be unable to receive a refund of the {$400.00} annual fee even though there were significant changes which were released one day after the fee was charged to my account. I inquired as to whether account closure or a downgrade to another product would suffice to receive a refund and was informed that it would not.
Complaint sub-issue: Information belongs to someone else

There are inquiries from XXXX and XXXX XXXX on my credit reports with all 3 bureaus from fraud that was perpetrated in XX/XX/2018. They are weighing on my credit score and I believe XXXX reported me as having a delinquent account that doesnt belong to me. I was one of the effected by the equifax data breach my family and I keep getting calls from spam numbers asking for personal information. 

XXXX county sheriffs case # XXXX
Complaint sub-issue: Reporting company used your report improperly

I have recently been made aware that LexisNexis has illegally obtained my personal information including a bankruptcy without my consent and has been selling that information to various other consumer reporting agencies including, XXXX, XXXX, and XXXX. 

Pursuant to 15 USC 1681 ( a ) ( 4 ), Congress states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for a consumer 's right to privacy. Also, pursuant to 15 USC 1681 ( a ) ( 2 ), Congress states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I have not, at any time, given Lexis Nexis written instructions to report a bankruptcy on my consumer profile. This act equates to Identity Theft. I have sent a letter to Lexis Nexis asking them to remove my information from their database, which they have received via certified mailing. ( attached below )
Complaint sub-issue: Debt was discharged in bankruptcy

This was settled in bankruptcy however they have n't removed it from my credit report and it still shows open!
Complaint sub-issue: Information belongs to someone else

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS THUS REFER TO ATTACHED IDENTITY THEFT POLICE REPORT. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED EIGHT 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE DELETE THE BELOW ACCOUNTS AND REFER TO THE IDENTITY THEFT POLICE REPORT.
Complaint sub-issue: Was not notified of investigation status or results

I am trying to get equifax to delete comments on a closed account for mortgage purposes. I sent in mail XXXX months ago requesting the deletion and i faxed a request XXXX month ago. still no change. 

MY CREDIT SCORE IS VERY LOW BECOUSE OF THIS COMMENT. AND I NEVER MISSED A PAYMENT ON THE VEHICLE AND PAID IT OFF YEARS AGO. THIS SHOULD BE A POSITIVE ACCOUNT BUT ITS SHOWING AS DEROGATORY BECOUSE OF THE COMMENT. THIS IS HINDERING ME AND HAS BEEN HINDERING ME FOR YEARS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax deleted 4 fraudulent XXXX XXXX inquiries from my credit report but they left 5 fraudulent inquiries on my credit report.

No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. 

XXXX XXXX told the CFPB that some are fraudulent. 

Equifax has been stating that these inquiries were verified for months. 

I asked XXXX  XXXX and Equifax for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. 

How did the pick and choose which inquiries to keep and which ones to remove?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are inquiries on my report I do Not recognize. I did Not authorize inquiries.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX an account with Discover Bank was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the XXXX of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to credit bureaus.
Complaint sub-issue: Public record information inaccurate

This is not mine..please remove it.
Complaint sub-issue: Their investigation did not fix an error on your report

Inaccurate information about a charge off account from members XXXX is reported on my credit report inaccurately. The date of account opened is reported inaccurately as well as the amount charged off. I would like for this account to be removed from my credit report immediately
Complaint sub-issue: Information belongs to someone else

I the consumer original creditor never gave XXXX or any other credit reporting agencies written or verbal permission to have a credit report on me. I want all negative remarks and accounts removed. I requested on several occasions to remove XXXX XXXX XXXX from my credit report due to fraud and violating the FCRA and FDCPA. I never gave them written or verbal permission to give any of my information to any credit reporting agency and I want them removed my credit report and all hard inquiries. I AM SEEKING MONETARY VALUE FOR DAMAGES.
Complaint sub-issue: Account status incorrect

Equifax and XXXX  should not be reporting a collection in the amount of {$2300.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) I have XXXX  XXXX and was not able to continue to live in the apartment I was renting due to a neighbor smoking XXXX. The smoke was permeating my apartment and it was intolerable. A legal substance or not, I rented the apartment because it was no smoking. If the neighbor in question was smoking cigarettes I would still have had the same issue. I can not tolerate smoke and/or smell of any kind due to my XXXX XXXX  reactions. I have attached a copy of a letter from my Physician verifying the physical reactions I have due to toxic smoke in or near my immediate person. I sent a letter to XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX outlining my concerns and the health issues I suffered due to XXXX XXXX unwillingness to let me out of my lease and forcing me to stay in the apartment. XXXX had a responsibility to provide me with a safe and healthy place to live and they failed. We could have come to some resolve if the management would have been willing to discuss the situation with me however, they never responded to any of my letters and/or phone calls. I had not choice but to vacate the premises. My health was the most important issue and I received no support from the apartment complex. Consequently, this collection was sent in error by the apartment complex and this false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Debt is not yours

Remex INC sent me collection letters for a debt that was not mine. I requested further information regarding the debt including the following : 1. A full invoice 2. A signed agreement to pay the debt issued by original parties 3. State of NJ Bond which allows them to collect debt in the state of NJ.

Unfortunately the company could not provide # 2 and # 3 of the requested information. Because I was being difficult they just sent my incomplete information off to credit agencies. I disputed with one agency which immediately scrubbed the collection attempts from my report due to them not having complete personal information submitted. Remex INC. does not have my social security number which led them to believe this is a fraudulent collection attempt. 

XXXX still has the collection attempt on my report despite them not receiving my social security from Remex, their fraud department told me they do not have my social. 

The amount is for {$280.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I purchased a new camera, figured new XXXX gift for myself a bit early. It was set to arrive on XX/XX/XXXX, tracking says package is delivered - I get home and nothing is there. I chat into the support team and they tell me to wait XXXX hours and chat back if nothing is there still. So In figure yeah, maybe it was just marked delivered on accident so I continue to wait the XXXX hours. On the XXXX, since the support team told me to wait XXXX hours as the package may arrive then, I decided to also purchase the gimbal kit I was looking at so they would arrive the same day. 

XX/XX/XXXX comes along, gimbal package is marked as delivered - I get home and nothing is there. At this point I assume they were snatched from my porch ( I live alone, no one else was there at the time to bring them inside. ) I chat into the support team again and they say they started the process for refunding both items and I just need to wait for confirmation emails at this point. So I wait for the confirmation emails and they eventually come in - now its a waiting game for the refunds to apply so I can just go into the store and buy them there instead of worrying about a porch pirate again. 

Then today on XX/XX/XXXX, I get XXXX emails ( XXXX for each of the packages ) saying that the investigation was complete and they're unable to provide any refund or replacement. So what am I supposed to do at this point as I've spent the money and didn't get the items, as they were stolen? The tracking on the packages even shows that a signature wasn't required. Absolutely insane for such an expensive item.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # 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 without my written instructions
Complaint sub-issue: Information belongs to someone else

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.
Complaint sub-issue: You never received your bill or did not know a payment was due

On XX/XX/2019, I received a bill from Macy 's informing me that I was past due 90 days. I called them and they told me that they had sent the bills to my address, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I did not receive any of the bills they claimed to have sent me. I took care of the bill ( including late fees, which brought the bill to three times what I spent on the credit card ) during the same call and thought everything was okay. I checked my credit report and found that Macy 's and/or their servicer, Citibank, reported me to the credit bureaus. I called Macy 's back and asked again where they sent me the bills. They told me that they sent me the bills electronically to my email address as I had agreed to receive electronic bill. I never agreed to receive electronic bills to my email address. I checked my email account and I did not receive any bills from Macy 's. They also said they called me about the bill. When I asked them what phone number they called they said they called XXXX, which is a landline where I used to live in XXXX more than 9 years ago. By the way, I had provided them with my cellphone number, but they never called me on my cellphone number. So, Macy 's charged me late fees and reported me to the Credit Bureaus for bills I did not know I had. Prior to this issue with Macy 's, I was always on time with all of my bills. The only reason I wasn't on time with Macy 's bill is because I did not know of the bill.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent letters informing XXXX Equifax and XXXX of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, Equifax and XXXX  another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship for us can you please investigate.