Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

XXXX is showing this still on my credit report- XXXX XXXXXXXX XXXX XXXX They agreed to delete it from my credit report. 

Equifax agreed to delete the following- XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing on the credit report.
Complaint sub-issue: Account status incorrect

Equifax has repeatedly been reporting positive payment history on accounts but now theres accounts that are showing different statuses from other credit reporting agencies. XXXX XXXX XXXX XXXX should be reporting as pays as agreed and closed on all XXXX reporting agencies. Not just XXXX. Remove negative account.
Complaint sub-issue: Debt is not yours

AFNI Collections has reported a collection account to my XXXX  XXXX XXXX  credit files stating that I owe {$510.00}. I do not owe this alleged debt. All equipment was returned to XXXX XXXX XXXX. I have the receipts, therefore AFNI has no legal right to attempt to collect a debt. There is no debt owed. AFNI has not validated this debt nor sent me a notice of collection. AFNI is in violation of the FCRA.
Complaint sub-issue: Company closed your account

Company told me my account was being closed with no explanation. Every time I called customer service to ask why and how to receive my money back, they hung up. I have {$15000.00} in my accounts with them that has been illegally taken from me and I have no idea when or how to get it. This company is fraudulent!
Complaint sub-issue: Frequent or repeated calls

I keep getting calls from ERC ( XXXX ) asking for someone like XXXX XXXX ( the name is unusual. ) I have told them I am not associated with any such person, have never known anyone with such a name and to please disassociate my number from her overdue account. They apologize, say they will remove my number from her account, and then call me again the following month!
Complaint sub-issue: Information is not mine

I have sent letters to the credit bureaus as well as the credit agencies asking them to remove these inquiries because I did not authorize them. I have not applied for any credit with the ones listed that have been circled. I have told them this numerous times and yet they refuse to correct this issue. I have asked for verification and they have yet to send me anything.
Complaint sub-issue: Reporting company used your report improperly

I previously Submitted a complaint asking for these accounts to be deleted since I did not give written instructions for them to be furnished and the company ( Equifax ) responded and said I need to contact the inquiry companies directly and to follow their internal fraud procedures, but they ( Equifax ) are the ones that furnished the inquiries on my credit report without my permission not the original creditor. I have already sent a complaint to XXXX regarding said inquiries. 

In accordance with the Fair Credit Reporting act 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, 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: Credit inquiries on your report that you don't recognize

XXXX XXXX told me someone checked my credit score without my consent and it looks like someone is trying to open an new account on rise and i have not authorized to set up an new account
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 60days 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I originally reached out to the company Lexis Nexis on XX/XX/21 as a consumer i was concerned about how they are able to report my private personal information to people without ever having my consent. They told me that they got my information from a site called PACER and then sent my information to the three credit bureaus which is damaging my reputation, my credit and causing me stress. How can they expose my private information to all these companies without my permission, or ever even notifying me that they were selling my private information. I asked them to remove my information and they told me NO bc it is public information. There is no way that a personal private matter like mine can be in the public for anyone to see. I asked the courts if they shared my information with anyone and they stated NO. Lexis Nexis has viloated my rights.
Complaint sub-issue: Information belongs to someone else

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$4200.00} XXXX XXXX XXXX XXXX {$2000.00}
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I opened an account with XXXX. At that time, they were offering a promotion. They guaranteed that we would be happy with our service or we could cancel within 30 days with no money due and no cancellation fee. We were very unhappy with the service and even had a service call which resulted in no improvement in our internet service. On XX/XX/XXXX, I returned all equipment to our local XXXX office and was presented a receipt for the returned equipment and had a XXXX   balance. 

Since then I have had 3 separate collection agencies report on my credit report that I owe {$160.00}. Three times now I have disputed these with the credit reporting agencies and had the entries removed. 

Imagine my shock when we applied for a loan in XX/XX/XXXX and found yet ANOTHER new agency reporting that we owe XXXX!!! The new collection agency is called XXXX, XXXX. 

Something needs to be done about companies such as XXXX continuing to report the fraudulent claims. I have consulted with hundreds of individuals in the past 3 months that have had the same or similar issues. 

I want all items from XXXX removed permanently from my record. Even the XXXX representatives themselves have stated that we have no balance due. I am getting nowhere quickly disputing these on my own through the 3 bureaus because they just come back as a different collection agency.
Complaint sub-issue: Account status incorrect

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late 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 so the bureaus will investigate my complaint. ) I have attached a copy of the cashed check dated XX/XX/XXXX to show payment was made timely. This false reporting of a late is seriously harming my credit score and this late 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: Their investigation did not fix an error on your report

On XX/XX/XXXX I contact Equifax to dispute information regarding a charge off account from XXXX. Of course the account came back verified but, they didn't return with anything that I requested for a complete comprehensive investigation. Equifax is required to conduct a reasonable investigation. Why is XXXX appearing on my credit report twice with the exact same account number except what the creditor did was change the information dates. If my account was Charged off on XX/XX/XXXX then how can I be showing late 20 times in XXXX, 12 times XXXX, 3 times in XXXX? That's in 1 account they falsely put on my report and updated it as of XX/XX/XXXX. Then on XX/XX/XXXX Equifax allowed them to indicate me 0 times late XXXX, 0 times late XXXX, 1 times late XXXX. I was able to do a side by side comparison between all three credit reports. Equifax has enlisted the egregious, and purposeful information placed on their site to personally injure me and my person, reputation. I demand that this information be deleted. The information isn't consistent across all three agencies. There is one other account that Equifax has placed on my report twice XXXX XXXX. And this information is also, inconsistent across the credit agencies.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/22 I have transcripts with an MONEYLION INC Representative confirming that the account was going to be removed in the beginning of XXXX as by federal law it is to be removed immediately. Contacted a minimum of 5 times asking for a manager since XX/XX/22. 

Please see attached
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized and unrecognized inquiries on credit report.
Complaint sub-issue: Other problem

Seems that during the COVID 19 pandemic the credit card company 's are lowering credit limits on top of balances. Account in good standing, never late as a matter of fact have no lates on credit report. Had a XXXX balance on a Discover Card with a XXXX limit. My statememt this month shows me having a XXXX limit. 

This has major impacts on credit scores
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone the authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these suspicious accounts from my reports as soon as possible. 

XXXX XXXX {$2300.00} XXXX  XXXX {$24000.00} XXXX/XXXX   XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$6300.00} XXXX  XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$51.00} XXXX   XXXX {$2300.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$90.00} XXXX/XXXX  XXXX {$150.00} XXXX/XXXX  XXXX {$2200.00} XXXX XXXX  XXXX {$9900.00} XXXX XXXX {$8000.00} XXXX XXXX {$98.00}
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX have 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: Attempted to collect wrong amount

Wonder if cooling and winter can still collect on debts from XXXX debts that they not own or got to legally go back court for each debt judgement because the judge did not sign there company that judgement or debt or that they have rights to collect and if do collect unfairly should consumer be refunded to. Amount of payments as restitution
Complaint sub-issue: Reporting company used your report improperly

This morning, XX/XX/2022, I requested a {$1000.00} credit limit increase on my Citibank Best Buy card via their website. After submitting this request, I was notified by my credit monitoring app that they had done a hard inquiry on my credit report. I was never notified prior requesting the limit increase that a hard pull would be done, nor have I ever seen a hard pull done for a limit increase request. 
I messaged Citibak/Best Buy via the customer service portal on their website and requested that they remove the hard inquiry from my credit report. Their response was, " Our system is programmed to facilitate a fair and accurate credit report review. Until you apply, we are unable to anticipate whether the resulting credit check will be a soft pull which does not impact your credit, or a hard pull which may impact your credit. '' This response is unacceptable since they did not notify me in any way that any pull would be done, particularly a hard pull. Had I known they " may '' do a hard pull, I would not have requested an increase and would instead have applied for a new card with a different agency.
Complaint sub-issue: Didn't receive notice of right to dispute

I submitted an income-driven repayment plan re-application through  XXXX v on   XXXX   XXXX   XXXX    . I heard nothing from them until   XXXX   XXXX   when they said my re-application was on hold. Then on   XXXX   XXXX   they said that could not process it, without giving a reason. Then on   XXXX   XXXX   they said my re-application expired.   This seems like they deliberately delayed processing until the last possible time, they failed to tell me what was happening and why they made the decisions they made, and they did so in such a way so that I had no time to do anything before my re-application expired.   These kind of communication tactics harm borrowers and seem to be a deliberate delaying tactic to confuse borrowers and deprive them of their rights of appeal.
Complaint sub-issue: Information belongs to someone else

My information was leaked in a data breach and was used fraudulently to open accounts without my permission or knowledge. I have filed a report with the FTC report number FTC number : XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt is not yours

This company assigned XXXX XXXX XXXX XXXX on XX/XX/2020 to handling the account # XXXX I dont know this company I never have a business with them. I want cease and desist all collection activity for this account.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX I finished consolidating my student loans being serviced by Department of Education/XXXX XXXX, then in XX/XX/XXXX I requested to be a part of the Public Service Loan Forgiveness Program ( PSLF ) and Income Based Repayment Plan ( IBRP ). By XX/XX/XXXX XXXX XXXX transferred by consolidated loan to Department of Education/XXXX XXXX ( PHEAA ). I noticed that once my loans were transferred to XXXX my newest account/balance/revolving payments are missing from my credit reports and my closed older accounts show incorrect balances. I have attempted to reach XXXX XXXX to request correct credit reporting, however, the electronic phone system will not allow me to speak with a representative and emails I send to XXXX 's account info remain unresolved. I am requesting that my account with XXXX be reviewed and correct loan information be reported to the credit bureaus as soon as possible.
Complaint sub-issue: Received bad information about my loan

I had not made a payment since XX/XX/XXXX per all XXXX major Credit Reports. I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX and was discharged on XXXX XXXX, XXXX. The Loan to Learn private student loans were discharged in the bankruptcy ( Loan to Learn never brought an adversary proceeding ) and during the entire time I was in a bankruptcy stay, they kept reporting 120+ days late and attempted to inappropriately collect through law suits in Wisconsin Circuit Court. I have filed multiple disputes with credit agencies and Loan to Learn keeps verifying the debt and re-aging it. The date of first delinquency is XXXX XXXX according to all XXXX credit reports yet Loan to Learn has reset it to XX/XX/XXXX. I am approaching the 7 year exclusion period XX/XX/XXXX yet the debts wo n't be excluded from my report until XXXX XXXX because it was inappropriately re-aged. Also, this is a discharged in Chapter XXXX bankruptcy debt and does n't follow federal student loan guidelines because it is a private loan. I wa n't these XXXX trade lines excluded XX/XX/XXXX or sooner based on the original and correct date of first delinquency.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XX/XX/2018 I received a promotional email message saying I am eligible for a credit line increase to my Best Buy store credit card provided by Citibank NA. I was approved for an increase of {$1500.00} after filling out the information I was told to provide on the online form. Nowhere in the process I was told there would be a hard inquiry to my credit report. 

I have credit cards with other creditors and a hard inquiry has never been done on a line increase. Considering the increase was promoted to me I assumed there was due process on their end to provide me with the proper details of the increase. I would not have requested an increase if I was told there would be a hard inquiry. This is the 2nd hard inquiry from City Bank within 6 months, I opened my account on XX/XX/2018. 

After checking my credit report in XX/XX/2018 I found out that Citibank NA issued a hard inquiry. On XX/XX/2018, I called Citibank NA retail card department at XXXX to attempt to resolve the issue. I was connected with XXXX in the retail account verification department. After explaining my situation to her she connected me with XXXX of the Management department for Best Buy Credit. She understood my frustration with the process and told me there is nothing she can do but explained to me that if I called and spoke with an agent rather than doing it online I would have been able to avoid the hard inquiry. This was not promoted to me as an option. The only option I was aware of was the online process. I never signed off on a hard inquiry. I was never asked nor did I give permission to have a hard inquiry done on my credit report. I believe I was not provided with all the options. 

I have attached a screenshot of the credit line increase screen. I does not explicitly say there will be a hard inquiry in the process.
Complaint sub-issue: Problem getting report or credit score

They will not release my credit report. They have asked me after months of me calling them over and over to send them my drivers license and social security number. I have faxed it to them XXXX times AND sent by mail XXXX. They still have not fixed my credit report. The other XXXX credit agencies have my information correct and they are able to release it to me. Equifax refuses to, even after months of sending them my information. I filed a complaint with the XXXX and all they keep doing is pasting the same answer back to me over and over. Telling me to send in my information which has already been sent XXXX times and they have received.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank issued a new card to another person using my name but a different address and email. The person ran up over {$10000.00} in balance transfers and loans to another account which is not mine,. Citibank than actually took money out of my checking account to make one of the loan payments. That's how I found out about the charges on the card, I contacted Citibank about the fraud. They then gave the money back in my checking account but never took the fraudulent charges off my credit card, which since has ruined my credit. I have had numerous calls with their fraud dept., they say they are working on it, promise to call back but never do. Its been since XXXX and still they show on my card that I own them over {$10000.00} The customer service just ignores that the account is under investigation and keeps sending payment warnings, as our credit rating keeps dropping
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the account numbers XXXX, XXXX****, and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( XXXX ) be removed from the following account ( XXXX ) immediately. XXXX XXXX XXXX, XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS ARE CLOSED AND REPORTING AS DEROGATORY ON MY CREDIT REPORT. THEY ARE NOT LIABLE TO ME AND I WOULD LIKE TO HAVE THEM REMOVED.