Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

First, XXXX XXXX submitted a hard inquiry on my credit report for a mortgage pre-qualification. There was no offer of loan, and no loan was obtained. The pre-qualification was only going to be a soft inquiry, as confirmed by the bank when we spoke via phone. However, they incorrectly submitted a hard inquiry on my account ( through Equifax ). 

Second, XXXX XXXX XXXX XXXX was the lender we used for our home purchase. We authorized a hard inquiry on XX/XX/XXXX for the mortgage underwriting process. They were going to use a soft inquiry before closing to confirm no changes had taken place. However, Equifax shows a hard inquiry requested from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX insists they only requested a soft inquiry, XXXX XXXX ( credit check company ) confirmed on their end that only soft inquiries were provided on XX/XX/XXXX and XX/XX/XXXX. Equifax still reports them as hard inquiries. Equifax stated I needed a confirmation letter from the lender ( XXXX XXXX XXXX ) to confirm the credit pulls should only be soft inquiries. I obtained such letter and submitted it to Equifax with a formal complaint. Equifax denied the complaint stating the information on my report was accurate, despite me providing the exact evidence they themselves had instructed me to provide to them to resolve this dispute. And here we are! One mortgage loan, 4 hard inquiries on my credit. I have 3 companies ( Equifax, XXXX XXXX XXXX XXXX, and XXXX XXXX ) all pointing fingers at each other, but I am stuck outside the loop with these unauthorized inquiries that are having a negative impact on my ability to obtain credit.
Complaint sub-issue: Public record information inaccurate

I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent inquires came to be I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent Inquires and Ban accounts came to be. I have not authorized misuse of my personal or any information have never received any benefits of the product, or services. I filed a police report and I filed a complaint with the Federal Trade Commission about this matter.
Complaint sub-issue: Reinserted previously deleted info

I initiated a dispute with Equifax. I filed a complaint with CFPB regarding Equifax not following policies and they refused to respond with the following statement : Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process. However, I am not using a credit repair company. I have been dealing with Equifax for years alone. Previously XXXX account for XXXX XXXX was deleted from my credit file last month and then re added. There are XXXX listings on my credit report for XXXX XXXX. Neither of them should be there. Equifax sent me a letter stating their process which clearly has not been followed and I know the process. The XXXX listings are still on my credit report and need to be removed.
Complaint sub-issue: Reporting company used your report improperly

Company does not have authority and contract is void.
Complaint sub-issue: Can't close your account

Someone fraudulently opened a MoneyLion account in my name. I found out because I received a debit card in the mail ready to activate. I don't ever want to activate the card. I can't contact support and close my account and report fraud unless I have web login credentials or a card number to get through the phone system.
Complaint sub-issue: Information belongs to someone else

Incorrect information is being reported on my behalf I have disputed the item and it has came back verified but they have not sent me the information they used to verify that the item is correct.
Complaint sub-issue: Information belongs to someone else

I was reviewing my credit report and noticed that there are discrepancies with my credit report. Please BLOCK and DELETE the following information that is on my credit report as these are fraudulent. I have sent letters to the credit reporting companies and I have not gotten anything back from them. Please help me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX, 2018 my credit report was used without my consent from XXXX and XXXX XXXX
Complaint sub-issue: Debt is not yours

last month I received notification that National Recovery Service put a derogatory remark on my credit report for {$600.00} relating to an unpaid gas bill with XXXX Gas and Electric from usage between XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX in XXXX, XXXX. I sold that property in XXXX and have lived in XXXX  since XXXX so it is not my bill. I have contacted XXXX Gas and Electric and they explained to me that I somehow set up an option where if noone 's name is attached to the gas bill the gas bill is forwarded to my name ( I don't remember doing this ). But I should not be responsible for a future owner 's gas bill and this is ruining my excellent credit. I have requested investigations from XXXX, National Recovery, and all credit bureaus but have not gotten anywhere.
Complaint sub-issue: Account information incorrect

I had called and cancelled my card on XX/XX/2019, I was informed of what the pay off balance would be and I paid it during that time. I was unhappy with the service Citi provided with how they handled, or not handled my fraudulent charges that occurred due to a data breach. I decided to cancel & pay off the balance to end my services with them. I called again on XX/XX/XXXX to follow up and make sure that they had updated their records since the withdraw of {$1000.00} was withdrawn from my bank account on XX/XX/2019. I was assured that they received the amount and that there was a credit of {$.00} on my account that covered a total of {$1000.00} balance. I saw that this popped up on my credit report with notes saying bad debt and that it was closed by the card company which is not true at all. I have provided my bank statement and a letter from them after their investigation to show that they were paid in full and closed on my behalf. It is absurd that I have to keep updating something that was taken care of almost a year ago. I had recently started getting harassing calls again about this paid balance. 

I have a letter from Citi saying that the account is closed with a XXXX balance and that I paid the amount owed, my bank statement shows this as well. I submitted multiple times to Citi and they keep saying the same thing. It has yet to be removed from my XXXX  report.
Complaint sub-issue: Debt was result of identity theft

I have a problem with acima credit since they are reporting an account to my credit report is fraudulent since someone stole my information and opened that account already with this is the 3rd claim and they asked me for a police report here I send it to them.
Complaint sub-issue: Debt was result of identity theft

Company wrongfully furnished my credit report with information thats not true about me. This isnt my account.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I did n't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XX/XX/XXXX, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THESE INQUIRIES WAS NOT AUTHORIZED BY ME. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I am receiving letters and email from American Educational Service about how much I owe on a student loan. I am unsure who and how much to pay. I receive letters from American Educational Service, and XXXX XXXX XXXX. 

I am unclearer how much i owe. I attended XXXX in XXXX and borrowed $ 30-38, 00. However, American Educational Services is sending me letters saying I owe over {$100.00}, 000.00. I am disputing this amount. I have verbally requested, when talking to the representative, to send me the original papers with my signature, on all my student loan. They have not responded to my request. They keep sending me information about how much i owe. I recently came out of default, and was paying XXXX. They added on {$13.00}, 000 to the loan. I payed the {$5.00} for 18 months to get out of default. 

This whole process has been confusing. You receive letters from various companies who say you owe the money for the school loan. No one wants to verify and information. There is a lot of fraud going on. This is why I am asking for verification with my signature, indicating that i applied for the school loan. 

Thank you,
Complaint sub-issue: Problem getting your free annual credit report

I became aware that I was a victim of identity theft on XXXX. Fortunately, no damage was done to my credit aside from hard inquiries related to multiple declined credit card applications. I used XXXX XXXX XXXX.XXXX to pull my reports and upon answering personal identifying questions I was able to pull both my XXXX and XXXX reports. However, none of the security questions that Equifax used were remotely close to my background. I tried multiple times and became alarmed when some of the questions were related to new mortgage accounts. Panic stricken, I called equifax and they told me I would need to pay {$12.00} to look at my report. After I paid they told me over the phone that I had no new accounts. How dare they feed off of my vulnerability and panic for their own financial gain. A XXXX  search confirmed that this seems to be a common business practice for them and it is highly unethical. Scare people into calling and then sell them goods and services.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received notifications that several inquiries were reported to my credit file that i did not authorize.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have made {$28000.00} in purchases on my Citi card this year. 

I have paid {$29000.00}, and yet my balance continues to be shown as anywhere between {$2000.00} - {$2500.00} on closing statements. 

I have called the credit card company 4 times. Each time they are less & less helpful. 
I have spoken to supervisors 4 times, and I can not get them to resolve the matter. 

I want my account audited, because the way they close their statements, it is difficult for me to pin point where the error on their part was made. 

I have all statements and running tally of amount I have paid from my bank account as proof that there has been an error committed on their part. Yet every time I call and speak to someone, they refuse to look at the full account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax and XXXX XXXX XXXX  several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also XXXX XXXX XXXX  is reporting a fraudalent auto loan in my name. XXXX XXXX XXXX XXXX is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX AFNI ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX - XXXX XXXX XXXX XXXX XXXX keeps issuing hard requests on my consumer credit even thought I have requested numerus times that they do not do that any more!!!
Complaint sub-issue: Information belongs to someone else

Multiple accounts that are incorrect are reporting on my credit reports 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: Information belongs to someone else

ERC ( XXXX noted as the original creditor ) has placed an adverse account on all three credit reports for an account which does not, did not, nor never has belonged to me.

I have never used, purchased, or borrowed any products from XXXX. The negative account has caused severe injury to my credit accounts and must be removed post haste to avoid further injury and damages to me and my impending credit analysis and disposition.

Furthermore, ERC failed to advise that there was a possibility that this negative account could be placed on my credit report. I have not received nor heard from ERC nor XXXX prior to this account being placed on my credit report. At least if they would have contacted me, I could have confirmed that it was an error prior to placing these on my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Information belongs to someone else

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, about the unauthorized accounts that appears on my credit report I request these following accounts to be delete and removed off my Equifax credit report : " XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$8800.00} Account XXXX, " U S DEPT OF EDXXXX '' Open Date XX/XX/XXXX Amount {$5200.00} Account # XXXX, " XXXX XXXX XXXX OF ED/XXXX '' Open Date XX/XX/XXXX Amount {$6900.00} Account # XXXX, " U S DEPT OF ED/XXXX '' Open Date XX/XX/XXXX Amount {$3400.00} Account # XXXX, Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report, and my XXXX credit report due to my identity been stolen.
Complaint sub-issue: Information belongs to someone else

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Complaint sub-issue: Information that should be on the report is missing

My information is being used in a manner that destroys good character, livelihood, and the community. My credit score and background has been conspired to insure that my career never takes off and because of the allotted misuse of my information this is one in the series of steps taken to provide this incident never happens to me again.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Late/Closed DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX  XXXX Balance : {$5200.00} ChargeOff XXXX XXXX Balance : {$1100.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account 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: Received marketing offer after opted out

In violation of FCRA, the above mentioned credit report by Equifax , a section of " Inquiries that are not considered when evaluating your credit worthiness '' contains name of the following companies, to which Equifax disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt despite OPT-OUT : Company Information : XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Information : XXXX XXXX XXXX : XXXX XXXX Information : EQUIFAX INFO XXXXCompany Information : XXXX, XXXX Information : XXXX Information : EQUIFAX INFO XXXX Information : XXXX Information : XXXX should EXPLAIN & PROVE the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via PUBLIC platform/for COMMERCIAL purposes.
Complaint sub-issue: Problem accessing account

I have an XXXX account that I used to be able to link to my PNC account for savings purposes. Sometime in the recent past PNC instuted changes that make it impossible to link my account anymore. I have lost a great convenience to my savings program due to this action. I would like them to re establish the link.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )
Complaint sub-issue: Account status incorrect

I recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. This is a list of alleged late payments : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

NOTE : I have requested this same information to be provided to me by XXXX and as of todays date XXXX hasn't complied with my request.
Complaint sub-issue: Talked to a third-party about your debt

1 ) I am not aware of any debt or account that is open with XXXX XXXX, the original creditor of this account.

2 ) prior to receiving a collection notice on my credit report, I received no phone call or mail trying to attempt to notify me of such a debt.

3 ) phone number on account is listed under wrong person 4 ) all attempts to collect this debt were done by mail to an address I no longer live at or have access to. 

Original creditor is XXXX XXXX and collection agency is MG Credit in XXXX, FL
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.