Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX my family and I checked in at XXXX XXXX XXXX in XXXX, XXXX ( last room available ). Found a/c not working! After the front desk tried to reset it 4 times they finally said that it must not be working. It was in the XXXX 's at this time and we were on the first floor with XXXX little window that would only crack open a little bit. It was a ruff night! I disputed 50 % of the total bill ( {$250.00} ) not was denied by Citi Bank ( XXXX XXXX ) card ending in XXXX and received no compensation from neither one. It's not fair that the XXXX gets paid in full for a room that not in 100 % working order!
Complaint sub-issue: Reporting company used your report improperly

Equifax Information Services LLC stated my account was properly investigated, however, how is that possible when the following items are incorrect : In accordance with the Fair Credit Reporting Act, Equifax Information Services LLC. has violated my rights. 
1

5 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 written instructions. 

The following items are violations : Equifax Information Services LLC : XXXX XXXX XXXX XXXX Name of the original creditor, Account #, account type, account type-detail, bureau code, account status, monthly payment, date opened, balance, no. of months, high credit, credit limit, past due, payment status, last reported, comments, date last active, date of last payment
Complaint sub-issue: Their investigation did not fix an error on your report

Id like to report a consistency of errors regarding my balance for my U.S. Bank credit card account. I first noticed the incorrect balances three months ago in XXXX when I reported my first dispute ( file number XXXX ) on XXXX XXXX for my XXXX. Then I realized that the balances for 3 consecutive months starting XXXX to XXXX have been wrongly reported and I been disputing them once a month and STILL have not received correct information reported on my credit score, even after submitting the disputes. 
The balance on my statement dated XX/XX/XXXX was at first very different from the balance reported from my U.S. Bank credit card account on XXXX. My statement balance is {$230.00} while XXXX XXXX reports a balance of {$380.00}. I submitted a dispute to XXXX for the inaccuracy of my balance on XX/XX/XXXX ( file number XXXX ). Later, on XX/XX/XXXX, a report balance of {$380.00} was reported on my XXXX and unfairly decreased my credit score on there too ( I have not checked XXXX, but you can imagine my worry and frustrations ). On XX/XX/XXXX, my dispute investigation was completed, however, it was still reported incorrectly. The new report balance is {$250.00} for XXXX assumed statement but I still have proof that my statement balance is {$230.00} as I stated on my dispute submission. 
Then on XX/XX/XXXX, my statement balance is a credit of {$190.00} because I overpaid and have received a credit for this amount on top of my credit limit. However, XXXX  reports a balance of {$370.00} reported on XX/XX/XXXX. I submit a dispute explaining that my statement balance shows $ XXXX because it is shown as a credit. After my dispute investigation was complete, nothing changed in my credit score or my balance for this account, though it was labeled completed. It is clear that this incorrect action comes from the U.S. Bank Credit Card Member ServicXXXX rather than XXXX XXXX/XXXX/XXXX/XXXX. 
On XX/XX/XXXX, a XXXX report for my U.S. Bank Credit card shows a balance of {$490.00} whereas my statement balance dated XX/XX/XXXX is {$140.00}. At this point, I am very tired of creating numerous disputes and want to take immediate action by reaching out to U.S. Bank Credit Card Member Service as well as submitting an investigation with XXXX. Card Member Service should consider incorrect credit reporting a very serious issue. I have tried to call U.S. Bank CB Disputes but I receive an answering machine that refers me to call XXXX, XXXX and XXXX   or file a dispute in writing to U.S. Banks Card Member Service. I am still waiting to hear from my latest dispute that I submitted on XX/XX/XXXX for XXXX statement balance. 
My biggest concern is that I recently noticed these wrong reportings for three months behind, but I am unsure how long someone has been wrongly reporting my balances. After disputing for three months, I am exhausted, and I would NOT like to dispute every monthly balance I receive on my credit score. And I would also like to include that this U.S. Bank credit card is a joint account and I hope to fix both, my husbands and my credit score reportings.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

15.6K
Complaint sub-issue: Information belongs to someone else

Credit bureau took more than 30 days to respond to my dispute letter. I am a victim of identity theft and I did not authorize XXXX XXXX XXXX and XXXX XXXX XXXX accounts to be opened in my name. The Credit bureau failed to provide 100 % factual proof of both alleged accounts.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I initiated a dispute with Equifax representative XXXX ( # XXXX ) requesting an investigation into the XXXX XXXX XXXX account being reported inaccurately on my Equifax credit report. As of XXXX, I had not recieved a response from Equifax re : my dispute and the 30 day allotment given for the investigation had passed. Because I had not recieved a response from Equifax, I took the liberty of checking my credit report to see if changes had been made based on my dispute. Upon checking my credit report, I noticed not only had there been no changes made on the account that was supposed to be investigated, the account was not even marked as disputed so it appeared as if no transaction had happened on the account at all and Equifax elected to not investigate the account I had disputed. Based on Equifax 's lack of action, I decided to send a certified letter with a return receipt requesting their method of verification and proving they actually conducted an investigation into the account I was disputing. As per the FCRA, Equifax had 15 days to respond to my letter. It has been 15 days and I still have not recieved any response from Equifax, not for my original dispute, nor for my request for their method of verification. It has now been 60 days since I initiated a dispute with Equifax and I have yet to hear back from the bureau, and the inaccurate account remains on my credit report. I do believe this is a direct violation of the FCRA and my consumer rights were violated as well. Equifax was not in compliance with federal law and I do not believe Equifax ever conducted an investigation into the dispute I initiated in XX/XX/2021.
Complaint sub-issue: Don't agree with the fees charged

I started my repayment in XXXX with FedLoan Servicing under the Pay As You Earn program. Everything was fine until XXXX when I was making {$75.00} a month payments and I had just one job. I took out a mortgage loan and my lender gave me {$42000.00} to purchase my home under the assumption I was paying {$75.00} a month for my loan. I started working more jobs and my payments increased. I informed them several times of this issue. Last month my loan was transferred to XXXX along with {$20000.00} in charges and interest buildup that occurred while I was with XXXX. I informed XXXX of the mortgage issue and the fact that XXXX fraudulently took money and transferred my loans to XXXX. I actually owe {$80000.00}, but XXXX received {$100000.00} in loans during the transfer. I want to sue XXXX for fraudulently charging me and transferring my loans.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a natural person ; I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give Equifax written permission to furnish these accounts. 

IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Complaint sub-issue: Information belongs to someone else

Several accounts on my consumer report are inaccurate. I am a victim of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly XXXX XXXX XXXX days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Complaint sub-issue: Information belongs to someone else

There are three loans on my credit report that have the same opened day as my real loans. The account number, lenders information and term length are not the same. The debt amount is off by a few dollars. 
The name of the lender is listed as the Department of Education but the address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Does NOT belong to them. Its belongs to XXXX, a software company. 
I have called the department of education but they do not do anything because they dont look past the fact that I do have loans with the same start date. Borrowers Defense denied my claim despite proof from my student loan account records showing an amount for twice my student loans. The financial records show double the amount but my XXXX only list three which is correct. I wasnt charged at an interest rate of 100 % in a time span of XXXX ( which is when they appeared ).  They do say that the loans are from being transferred as a result of defaulting. They were on deferment as I was having an economic hardship. I was in the midst unemployment which resulted in an eviction. The default was a surprise. What they ignore is the fact that last year alone, disbursements were made for about {$30000.00}. I only owe {$14000.00}. Two of the loans were issued for a year I never applied to. I attended XXXX XXXX XXXX and was told to give one of the financial aid workers my application and they would help but I didnt hear back from US Dept of Education. Even my statements listed another company as the lender. The school said I would owe them. I also reported this but no one has ever taken it seriously despite proof. Is it not illegal to ask someone to pay a debt that was fraudulently acquired or isnt theirs?
Complaint sub-issue: Their investigation did not fix an error on your report

I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Credit Bureau : Equifax Account Name : Unkown Account No : XXXX Account Balance : {$140.00} Credit Bureau : Equifax Account Name : Unknown Account No : XXXX Account Balance : {$200.00} Furthermore, Equifax is reporting a derogatory account that has not been validated by Equifax in a timely manner and the other bureaus XXXX and XXXX have already removed this account from my reports and Equifax has failed to do so. They need to comply.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a link to my XXXX XXXX account. When I looked at my dashboard I see that 4 inquiries were on my report. Only XXXX for my last lease in XX/XX/XXXX was valid. 3 separate inquiries from Equifax Mtg. from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that were not initiated by me and I never saw before. I attempted to call their listed telephone number ( XXXX ) XXXX and he automated system was not helpful and disconnected my call 5 times. 
Frustrated, I looked up your website and seek to have these inquiries flagged and hopefully removed from my report. I have had hard time rebuilding my credit after a prior marriage led me to bankruptcy.
Complaint sub-issue: Was not notified of investigation status or results

The following consumer reporting agency : LexisNexis XXXX XXXX Sent my report on the following date by email : Consumer Number : XXXX Case Number : XXXX XX/XX/2021 After reading the report I sent an electronic dispute by email as per LexisNexis instructions ( see a copy of dispute instruction ) on XX/XX/2021, and followed up on XX/XX/2021, since I had not been notified that they had received my dispute or started an investigation. 

Copy of dispute instructions : Q : How do I contact you if I have questions about my report or want to correct information on my report? 
A : If you have any further questions or there are items you believe to be incorrect, you may contact LexisNexis XXXX XXXX via email at consumer.documents@LexisNexis.com or by phone at XXXX. The LexisNexis Risk Solutions Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX. XXXX XXXX. In an effort to protect your privacy and deliver prompt service, please have the numbers located at the top of your report page accessible when you call our support number. 

LexisNexis has been notified 2 times of my disputes of the report number ( s ) referred to above by the electronic means they implemented for disputes and has not acknowledged receiving my dispute of their information and/or that a timely investigation has been started.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a hard inquiry on XX/XX/XXXX and XXXX from the same company. I never gave this company permission to do anything. I never talked to them or signed anything. Im asking for the company to remove both hard inquiry from my credit report.
Complaint sub-issue: Account status incorrect

XXXX XXXX reported me 30 days late in error in XX/XX/XXXX on XXXX and Equifax. They did not report me late on XXXX XXXX. 

I closed the account and did not authorize any charges. XXXX even cut me a refund check in XXXX as it was overpaid. 

When I went to apply for a mortgage I found out that this XXXX  account was destroying my credit. 

I see now that they approved a recurring charge in error. I once again spoke to XXXX XXXX to ensure the account was fully closed so no new charges could be applied. 
Then, all of a sudden I see in XX/XX/XXXX a 30 day late reporting to my XXXX XXXX account. 

As you can see from the attached screenshot, each credit bureau are reporting inconsistent data, all late marks are in error.
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on 07/16/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Old information reappears or never goes away

There are two accounts on my Equifax report which are aged at 7 years and 5 months. Equifax claimed they deleted the accounts for being 7 years back in XX/XX/XXXX according to my XXXX XXXX print out, but the accounts still remain. I reminded Equifax two different times that they promised deletion yet the accounts still remain. These two accounts were closed and eventually sold to a collection agency, this makes for four accounts showing on my report for two loans ( 2 were closed and 2 were their collections ). The original accounts were deleted from Equifax, but the two collection agency accounts are still there. XXXX  deleted all accounts affiliated in XX/XX/2018. And XXXX  deleted all accounts affiliated in XX/XX/2018. My records show deletion of all accounts to be legal as of XX/XX/2018. So Equifax is keeping these two collection accounts on my report without myself, XXXX  or XXXX  agreeing with their records. I asked them to send their unique records to me showing that the accounts are under 7 years, but they ignored me.
Complaint sub-issue: Reporting company used your report improperly

The Credit Bureaus XXXX XXXX, Equifax, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX  Account Number XXXXXXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX, Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX, Inquiry Date XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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: Information belongs to someone else

fair credit report act violations : not mine : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX