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

Last XX/XX/XXXX, I called XXXX XXXX to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a XXXX XXXX XXXX XXXX a XXXX XXXX  and/or a XXXX XXXX. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from XXXX XXXX without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, XXXX, XXXX and XXXX. While checking my inbox on my email, I got credit alert from XXXX  on XX/XX/XXXX stating that XXXX XXXX pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that XXXX XXXX pulled my credit report from XXXX and Equifax. Another report was pulled from XXXX on XX/XX/XXXX and my credit score dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from XXXX  and Equifax ). How can XXXX XXXX do this? I called XXXX XXXX right away to inform them about what happened to me. I was misled and made to believe that XXXX XXXX would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from XXXX XXXX stating that the XXXX credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the XXXX XXXX XXXX XXXX XXXX, while XXXX  and Equifax still continues to have the credit inquiry of XXXX XXXX in my credit report. I sent letters to XXXX, Equifax and XXXX XXXX to remove and suppress the credit inquiry, but have been unsuccessful. XXXX XXXX sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to XXXX XXXX including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!
Complaint sub-issue: Old information reappears or never goes away

A fraud account was paid off that went into collections. The creditor is XXXX XXXX XXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.
Complaint sub-issue: Information belongs to someone else

I really need your help because at this point I dont know where to turn.I opened the mail and I saw three letters.One from all three credit bureaus.I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : Creditor : XXXX XXXX XXXX Account # :XXXX I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me nor have they attempted to investigate this issue or delete the item. This debt was not properly verified and I don't believe that it is mine. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile. This is a HIPAA violation to report this on my credit report as a collection and not verify it. I would like to seek legal representation if this is not resolved.
Complaint sub-issue: Debt is not yours

AlliedInterstate sent me a letter stating that I owe XXXX XXXX {$160.00}. I moved out of the storage unit and swept it clean on the night XX/XX/19 at approx. XXXX. I do not owe this company any further rent. I have email confirmation that confirms my date of move out. 

AlliedInterstate is attempting to collect on a debt that is invalid.
Complaint sub-issue: Account status incorrect

My XXXX XXXX XXXX card is currently reporting to all credit bureaus as late as of XX/XX/2018. I have always paid my bills on time and this card was not 30 days late then, so I don't know why it is still reporting as late for that month. This has been very damaging to my credit for over 2 years now. Over the past 2 years, I have called multiple times to XXXX and tried to get this situation remedied but I get thrown into an infinite loop with them telling me it is too late, they can not fix anymore, " it was late, '' etc. I still have always remained loyal as a customer to XXXX and paid on time always, even though they have been hurting me for a long time now due to this. It is very unfair for the account to be shown as delinquent when it was never delinquent to begin with.
Complaint sub-issue: Reporting company used your report improperly

I have been wrote Equifax numerous times demanding what I need done to in order for my consumer report to be fair and accurate. Equifax refuse to do anything that is demanded of them according to the Gramm leach Bliley Act and Fair Credit Reporting. On XX/XX/2022 ; I noticed on their website in their data sharing policy it states that " Equifax shares data with an organisation based on the data subject 's consent ''. They are admitting that they need the data subject 's consent ( consumers ) to release any information. 
15 USC 1681b ( a ) ( 2 ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

I have hand written a letter, I have printed out their data sharing policy, and A copy of the laws that this company is violating
Complaint sub-issue: Can't close your account

I can't close account or make payment on the balance or anything. There is nobody to contact. I want this account closed.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2019 I mailed a factual dispute to Equifax anticipating incorrect information on my report to be corrected or removed. I was received by Equifax on XX/XX/2019 via certified mail with USPS tracking number XXXX XXXX XXXX XXXX XXXX. Equifax exceeded the allowed time frame to investigate the matter and began to review the case on XX/XX/2019, a full month later. That investigation also exceeded the allowed time frame of 30 days. The confirmation for the case is # XXXX. According to Equifax, the investigation should have been concluded on about XX/XX/2019. However, by XX/XX/2019, still no conclusion or results to the investigation. I called in to speak with someone assuming there was a mailed out dispute result and I was told that no decision had yet been reached, and at that moment I made a complaint with the Equifax about my violations under the FCRA. Equifax has exceeded the allowed time to investigate the accounts and per the FCRA anything that can not be verified must be deleted permanently from the consumers file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a 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.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user 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 issue however, I have not been successful.
Complaint sub-issue: Didn't receive terms that were advertised

I signed up the Citi checking and saving accounts in XX/XX/2019 via the promotion. I was supposed to receive a {$500.00} cash bonus for completing the deposit and direct debit requirements according to Citis advertisement. I contacted Citi several times during this process. Each time I was told that I had completed all the requirements. Citi guaranteed the bonus should be deposited before XX/XX/2019. I have attached the previous chat logs with Citi. However, the time has long passed but I still have not received the promised bonus. After contacted Citi one last time, they told me I was not qualified for the promotion, which was against with what they told me before. I believe Citi lied to me and gave me, the customer, the wrong information during this entire process.
Complaint sub-issue: Reporting company used your report improperly

I notified LexisNexis that they illegally obtained and furnished data to XXXX  in regards to a bankruptcy. This information is inaccurate and false and needs to be removed immediately!!!! 
I spoke with Agent XXXX about this matter and she acknowledged on a recorded line that the bankruptcy information was inaccurate and needed to be removed! She supplied me with case number XXXX to follow up with my dispute and removal of the falsely reported information. The bankruptcy courts do not report to credit reporting agencies and have provided information via an online statement that says that they are not a data furnisher!!! This is a clear violation of 15 usc 1692e!!!! This also violates 15 usc 1692d and 15 usc 1692g!!!! LexisNexis is civilly liable to pay XXXX per violation according to 15 usc 1692k!
Complaint sub-issue: Their investigation did not fix an error on your report

Previously a complaint had been submitted for the reporting of incorrect information. Equifax removed certain information fields to make the report look accurate. However by doing so they made the information being reported incomplete. How can they say an account was 30, 60, or 90 days past due if they can't show a date of last activity? Also green dot and Equifax have repeatedly claimed to validate the information being reported as accurate. In accordance with the FCRA I have requested copies of the documents used to validate the information being reported. I have been refused. This is a clear violation of my rights under the FCRA. FURTHERMORE, the attached documents will show that XXXX XXXX is just reporting negative information to hurt my credit score. This is obvious because different information is being reported to all XXXX agencies. Yet each agency has validated the information as accurate.
Complaint sub-issue: Confusing or misleading advertising or marketing

I visited carvana website for an automobile because I received an email with the subject " Find out if your terms have improved in two minutes ''. I thought I received this due to the dispute that was just completed.

When i first used their site to get my terms ( {$1800.00} down, 22 % interest rate for 68 months ) they were based off my FICO score at the time, which was XXXX due to an item that was incorrectly reporting - a medical bill for {$540.00}. I disputed the item, and within four days, it was deleted from all three credit bureaus, increasing my FICO to a XXXX. I have no other debt, no collections, and I am an authorized user on my XXXX XXXX XXXX card. There is no credit usage on the card. I was recently approved for two credit cards as the primary account holder. So, I went back to re-do my terms now that my credit has been fixed, and was told by Chat rep, XXXX, that i am unable to get new terms, even after the email advertising strictly said " Has your credit improved? You can see if your terms have improvedwith no hit to your credit scorein just a few minutes. ''
Complaint sub-issue: Their investigation did not fix an error on your report

I am appalled by the lack of responsibility on the Credit reporting Agencies ' behalf. When will the Credit reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the Credit Reporting Agencies has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the following accounts and verify if the information they report are accurate, if not, have the accounts DELETED AS SOON AS POSSIBLE : DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX   XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to Equifax, XXXX, and XXXX about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts are deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Complaint sub-issue: Was not notified of investigation status or results

I have mailed dispute letters to all 3 credit bureaus XXXX  ; Equifax ; and XXXX  about items on my credit reports that I should be removed. I have not received any responses from any credit bureau regarding the disputes. I have sent month after of month of disputes and have never received a response, the letters in question have been attached as proof my correspondence.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Conns I've been fighting these blasphemies against my credit since 2013. Conn 's is the reason why I'm XXXX and still can't get a car to drive my children to school, parties, gatherings and myself to my job, shopping, house needs, entertainment, etc. I cant get a loan anywhere, they just in XXXX approved my first credit card with only {$300.00} limit. My social life is affected by it, my self-steam, my interaction with the business/outer world. Conns Ruined my life and continues to do so with false statements and allegations about an unknown account I never had consciousness of.
Complaint sub-issue: Account information incorrect

An account with Preffered Lease was opened in my name XXXX XXXX with a monthly installment of {$230.00} when I purchased a {$3500.00} dollar refridgerator from a company called Conns. After making 2 payments, and recieving a damaged company, after having complained to the company many times asking for replacement, it was finally decided that we would cancel out all ACH payments and they would pick up the product, cancelling out my lease agreement with them. This should have satisfied my agreement and i am now seeing it as a negative mark on my credit report with a total amount due in the {$8000.00} range! This is fraudulent. Can you please look into this for me. 
Thank you.
Complaint sub-issue: Account status incorrect

-XX/XX/2019 XXXX XXXX XXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called XXXX XXXX on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-XXXX told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times XXXX and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy
Complaint sub-issue: Debt is not yours

Plaza service is trying to collect a debt that I don't owe that I never owed and I never made a payment on this is not my account. I have provided the ID theft documents this account does not belong to me
Complaint sub-issue: Reporting company used your report improperly

NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERM S AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT XXXX XXXX DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : XXXX XXXX, hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal.

I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement.

Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan.

2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan.

3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions.

4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money.

5 ) All material facts are to be disclosed in the written agreement.

6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens.

7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling.

The agreement that I entered into has the above seven elements in it.

According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan.

This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit. 

Signed, Authorized Representative XXXX https : XXXX
Complaint sub-issue: Debt was result of identity theft

Received collections letter on XXXX21. Says that creditor is XXXX XXXX XXXX, Account XXXX. 
AFNI account : XXXX balance : XXXX Letter states a settlement offer of XXXX has been suggested. 

states XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company ERC. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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: Problem with personal statement of dispute

They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt
Complaint sub-issue: Information belongs to someone else

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}