Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is missing that should be on the report

1. Equifax continues to place incorrect information on my credit report ex. ( XXXX, XXXX ) they have reported balances in the amount of {$5000.00} to {$7800.00} on my credit report with the balances changing concurrently. 

2. Equifax is in violation of the FCRA laws. 

3. Equifax did not have a credit score for me and now they are reporting a score of XXXX. 
My credit score was a 701 and now they are reporting a XXXX score w/o explanation. 

4. Equifax has closed all of my positive accounts without my permission or they permission of the creditors. 

5. Equifax has placed my credit file in a special unit without my permission nor are they telling me why it has been placed in such a unit. 

6. Equifax has someone in their special unit who is obviously either by mistake or on purpose putting erroneous and fluctuating information onto my credit report and I want a full investigation into the matter. 
It is my intention to file legal action against Equifax in the next 30 days if this is not corrected and just like XXXX XXXX who won {$18.00} XXXX dollar lawsuit against Equifax I also will win. 
I will be forwarding this information to the Federal Financial Judiciary Committee and the other government regulatory agencies as a complaint.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself to check the reason why my score was so low. i knew i was paying all my bills on time and just could not understand why my credit was not going up. My identity has been compromised. There are a couple items on there that are not mine. I have never seen these items in my life. Please remove the items from my report.
Complaint sub-issue: Investigation took more than 30 days

I sent a complaint asking XXXX, XXXX, and Equifax to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to XXXX XXXX XXXX - XXXX, XXXX, and Equifax have 30 days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered a bag from online merchant. I never received the bag I ordered, I tried to disputed the charge but my credit card company denied to dispute in my favor. 

Information : Name : XXXX XXXX SS # XXXX Company : Shell Fuel Reward Mastercard XXXX XXXX XXXX {$80.00} Transaction Date : XX/XX/2022 Account endind XXXX
Complaint sub-issue: Problem with personal statement of dispute

I initially had a student loan with XXXX XXXX XXXX ( had set up automatic payment and deferment on the account. ). Eventually, XXXX XXXX XXXX sold the account to NelNet Loan services. ( I was not notified of the action ) as I was overseas. A credit reporting of 180 days late was reported on my credit report.
Complaint sub-issue: Funds not handled or disbursed as instructed

In XXXX of last year, I received a Checking and Savings Bonus offer from Bank of the West. I opened a Premier checking account on XX/XX/XXXX with a {$5.00} deposit. I then deposited over {$15000.00} dollars by the end of XXXX and maintained that balance for 3 consecutive calendar months ( XXXX XXXX XXXX ), as the offer stated that I needed to do. I have enclosed my bank transactions, from opening to current. I have otherwise met all the requirements to receive the {$500.00} bonus advertised. The offer states that the bonus would be deposited by XX/XX/XXXX. XXXX, and it has not been.
Complaint sub-issue: Debt was paid

Collection was paid in full have a satisfaction letter. I paid this debt in full on XX/XX/18 to Hunter Warfield for the amount of XXXX to account XXXX
Complaint sub-issue: Information belongs to someone else

I've noticed some fraudulent inquiries on my credit report that I did not authorize please remove it immediately.
Complaint sub-issue: Information belongs to someone else

I filed and have a XXXX  police report for identity theft, and contacted indiana general attorney office because On my credit report appears my current address on XXXXXXXX Texas addressees I never lived, accounts I never requested, employment sites I never worked, any other names I never used, phone numbers I never had before, and im a identity theft victim some one is is using my identity on XXXXXXXX tx, and I never lived over there, im scary I hope yall can help me about that When I requested a credit report I seen all information dont belong to me and also on my credit report appears a high income I never had in all my life Thanks in advance
Complaint sub-issue: Account status incorrect

An account showing delinquent on my credit report. I contact the company and they request it remove from all   XXXX   credit bureau.   XXXX    removed it but equifax refuses to remove it on several attempts from me and from the reporting company. They state that regardless if the account does n't belong to me it has to stay on my credit for 7 years.
Complaint sub-issue: Account status

Chapter XXXX bankruptcy filed on filed in XXXX, discharged XXXX. XXXX XXXX XXXX continues to report the balance, a past due amount and a monthly payment on my Equifax credit report. I disputed the balance multiple times over the past 6 months with no success. Tried contacting XXXX XXXX XXXX and transferred from number to number until complete circle occurs. Main number XXXX -- & gt ; bankruptcy department @ XXXX or XXXX -- & gt ; " card services '' XXXX -- & gt ; back to bankruptcy department. I was supposed to close on a home today but the lender has informed me that closing can not occur until the negative information has been removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Bankruptcy Account # XXXX, Bankruptcy Account # 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: Didn't receive enough information to verify debt

Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX wrongfully used my credit score and boosted it higher. They also have a bank account feature I signed up for that hit my credit score. I receive emails and text from 3rd party lenders from credit karma that I havent signed up for. The mobile app will state high approval odds for cards to get me to sign up and which would then further decrease my credit score.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX15USC 1681 section 602A states I have a right to privacy -15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval
Complaint sub-issue: Debt is not yours

Hello CFPB. EOS CCA is threatening my credit along with XXXX regarding a debt that I do not owe to EOS CCA nor to XXXX. EOS CCA and XXXX are jeopardizing my credit by making me pay for debt that I am not owed to pay. The merchandise was not received and I have proof. My packages contained paper instead of my phones. LEGALLY I AM OBLIGATED TO PAY FOR WHAT I ORDER. LEGALLY I AM OBLIGATED TO RECEVIE WHAT I ORDER AND IN THIS CASE I DID NOT WHICH I HAVE LEGAL PROOF OF WHAT I RECEVIED AND I HAVE LEGAL PROOF OF MY POLICE REPORT AND I HAVE LEGAL PROOF WITH THE REFUND CONFORMATIONS THAT XXXX EMAILED ME DUE TO THEM CONFIRMING THAT THE ITEMS WERE NOT RECEVIED WHICH THEY WERE NOT AND I HAVE PROOF. I ORDERED XXXX FOR OUR WORK AND DID NOT RECEIVE THEM. XXXX confirmed the phones had no usage in my name nor there was any calls on the devices and XXXX informed me that they have blocked the XXXX so no one uses them and they have issued me refunds. I have all my legal documents proving i am not responsible to pay for a debt when I never got the items. I have also filed a police report with the XXXX which I will attach. EOS CCA and XXXX needs to cease this invalid debt because I am not responsible to pay for something when i never received my items. mY ITEMS THAT I PAID OVER {$13000.00} FOR I NEVER RECEVIED AND I HAVE PROOF ALONG WITH MY XXXX REPORT. THIS DEBT REMAINS UNVALID AND I HAVE NOTIFIED XXXX REGARDING THIS. EOS CCA AND XXXX NEEDS TO STOP HARRASING ME AND ASKING FOR MONEY THAT IS DEEMED NOT OWED TO THEM AND I HAVE LEGAL PROOF. CFPB PLEASE RESOLVE. PLEASE SEE ATTACHED POLICE REPORT. THANK YOU.
Complaint sub-issue: Their investigation did not fix an error on your report

As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, Equifax, XXXX and XXXX and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXXXXXX XXXX Credit Card, XXXX XXXX Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.
Complaint sub-issue: Problem with customer service

Hello. This complaint is a follow up to complaint XXXX. My apologies for not providing feedback in the allotted time. 

This is regarding getting a determination on my cosigner release request for the student loans owned by XXXX XXXX XXXX ( XXXX ). The loans are serviced through American Education Services ( AES ). I first filed this request in XX/XX/XXXX. I filed it again in XX/XX/XXXX. 

The response I received from XXXX on my previous complaint is not satisfactory. In effect, XXXX claimed it wasn't their responsibility, and I should contact AES. This is not acceptable. 

I have worked through AES trying to get a response from XXXX   regarding my cosigner release for almost three years, since roughly XX/XX/XXXX. The problem is not with AES - AES has  essentially told me their hands are tied and they can not force XXXX to provide a response to my request, and they just have to wait. AES has forwarded my paperwork to XXXX  and requested follow up multiple times with no response from XXXX. 

This is my message to XXXX : is it absolutely, 100 % unacceptable to sit on this kind of paperwork for years. According to AES, they have sent it to you and followed up multiple times. According to all my available sources, you are the responsible party for reviewing and approving or denying the request. And, from all my available information, you have not done so for over two years. Again, this is totally unacceptable.
Complaint sub-issue: Personal information incorrect

I looked at my credit report today and I found inaccurate information. I have never lived in XXXX, IN. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX , CA XXXX XXXX XXXX  XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , IN XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX XXXX XXXX XXXX XXXX,
Complaint sub-issue: Information belongs to someone else

EQUIFAX IS IN VIOLATION OF SECTION 609-811 OF THE FCRA AS THEY ARE CURRENTLY REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE ATTEMPTED TO RESOLVE THIS MATTER BUT THEY HAVEN'T RESPONDED. 

THE ITEMS BELOW ARE WHAT IM COLAINING ABOUT. : XXXX XXXX XXXX { ACCOUNT } INQUIRIES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. 
ADDRESSES : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX GA XXXX XXXXXX/XX/XXXX, XXXX GA XXXX
Complaint sub-issue: Right to dispute notice not received

This organization contacted me today regarding an alleged debt owed to XXXX. During this outbound call to my cell phone ( A violation of TCPA as I had communicated to the original creditor I did NOT wish to receive calls to my cell phone ) their agent NEVER made an attempt to verify my identity in any way, simply asking " Is this XXXX? '' before going immediately into the details of the alleged debt I owed. I attempted to enact a verbal Cease and Desist and request Verification of said debt to which I would respond with the appropriate proof of my dispute. Their representatives refused to take my verbal request and promptly hung up. I called back and insisted on speaking to a supervisor. I was then connected to " XXXX ''. This girl informed me that " no verification was needed '' even though they used the Mini Miranda, because their client told them it was n't required. This is absolutely FALSE. FDCPA AND NY State law requires proper verification of identity PRIOR to disclosure of any alleged debt or use of the mini miranda. If their thinking was correct, my son, whose name is also XXXX, could have answered and would have been subjected to this nonsense.
Complaint sub-issue: Public record

I disputed a public record that reported a TAX LIEN on my credit file by Equifax. I provided them with a letter that said I had never a tax lien from the state of Wisconsin workforce development, workers compensation division. Equifax refuses to remove error from my credit report, stating the information they received supersedes any information I provide them.
Complaint sub-issue: Their investigation did not fix an error on your report

I am extremely appalled by the recent investigation into items that I disputed last month. I disputed last month because my XXXX and XXXX accounts were never late and I submitted my proof of payment and forbearance status. I also had two XXXX accounts that were reporting inaccurately, and these accounts still report inaccurately. I submitted proof of payment and other form of proof that show these inaccuracies. These items still remained after their so called " investigation ''. These accounts are STILL being reported illegally. Earlier today, I received a letter stating that your investigation was complete. Your investigation could not have been thorough, if you used an automated system, E-OSCAR, Im sure you know this is not a complete legal investigation. Please delete immediately! 

Accounts to be updated to paid as agreed : 1. XXXX : XXXX 2. XX/XX/XXXX : XXXX Deleted : 1. XXXX : XXXX 2. XXXX : XXXX XXXX : 1. For XXXX I have attached the documents detailing I was in forbearance. 
2. For XXXX I have attached my bank statements showing that payment was made for these dates. 
3. For both XXXX accounts, I have attached the payment agreement that I had with XXXX, as well as proof the amount was paid.
Complaint sub-issue: Their investigation did not fix an error on your report

I wrote to Equifax on more than one occasion Re : Account numbers : XXXX reported 4 times on my credit report XXXX reported 2 times XXXX reported once These accounts are reporting on my credit report all these times without even a name or a Creditor and reporting as Collections on my credit report. I have been sending letters to Equifax to remove these incomplete and illegal negatives from my credit report since XX/XX/2019 and I have not received a favorable response from them or seen any improvement on my credit report.
Complaint sub-issue: Information belongs to someone else

This is my THIRD letter to XXXX, Equifax, and XXXX since XX/XX/2021. I am a victim of identity theft. I have been scammed and this is hurting me financially. 
I reviewed my credit reports. I am really confused because there are STILL fraudulent items that arent mine on there! Ive listed the details that need to be deleted right away due to identity theft. Im not sure who stole my identity but I need this resolved immediately. I am receiving generic letters saying the information remains? Why would an account opened as a result of identity theft remain on my profile? I dont get why theres still fraudulent items and a date of birth on my credit report. Its really bad.
Complaint sub-issue: Public record information inaccurate

LexisNexis Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with LexisNexis and the 3 credit  bureaus and it came back verified. I wrote a dispute letter to LexisNexis and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2018 while shopping at XXXX XXXX # XXXX in XXXX, Co, someone somehow charged {$270.00} to my Citi Master Card without my knowledge. My card was in my wallet in my pants pocket the whole time that my wife and I were in the store. On the same day my wife charged {$34.00} to her Citi card ( same number ) to pay for our purchases at the same store. When I received our credit card statement I reported the unauthorized charge to Citi and filed a dispute # XXXX. While talking with the City Security Dept. I was advised to submit a police report which I did on XX/XX/2018 Tracking # XXXX, Case # XXXX and a copy sent to Citi. On XX/XX/2018 I received a letter from the police Dept. stating that since the loss was less than {$2000.00} the case would not be investigated and was closed. I sent a copy of the letter to Citi. After further investigation Citi sent me a letter on XX/XX/2018 stating that I was responsible for the charge since their computers show that my card was physically swiped ( it was not! ) Somehow someone figured out a way to charge someone else 's credit card and fool the credit card companies computers into thinking that a card was physically swiped when it actually wasn't. When I called Citi I was given the impression that they thought that I was lying and that I had actually used my card or somehow forgot that I used it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX******************* Please remove it from my credit report.

2. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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: Credit inquiries on your report that you don't recognize

My wife and I are having consistent issues with Equifax. We have added security freezes and fraud alerts to each of our credit reports. Both of our security freezes and fraud alerts have been removed numerous times without our authorization by a fraudster who calls Equifax and remove them fraudulently. The fraudster does not have access to our security freeze pin to properly remove the freeze. Equifax does not request the security freeze pin prior to removing the freeze. The assailant easily removes the freeze and the fraud alerts due to the lack of proper security within Equifax. Additionally, the assailant proceeds to open credit cards in our name after the freeze is removed. We need Equifax to STOP removing our security freeze without requesting for the pin and STOP removing our fraud alert. The security pin is emplaced for a reason and Equifax is not utilizing it. After speaking with Equifax on multiple occasions, they are not assisting us with removing the fraudulent credit card inquires that are damaging our credit.
Complaint sub-issue: Banking errors

I received a XXXX XXXX check from XXXX XXXX which I deposited on XX/XX/2019. PNC. PNC erroneously rejected the XXXX XXXX deposit on XX/XX/XXXX and then had the unmitigated gaul to charge me a {$12.00} service charge on XX/XX/XXXX. I called PNC XX/XX/XXXX and requested a reversal of the {$12.00}. I spoke with PNC rep XXXX XXXX who had no business common sense whatsoever. Instead of reversing the transaction of a 30 years customer with very high balances he chose to not refund my {$12.00} even though he could see the XXXX XXXX check was valid and that the {$12.00} service charge was based on a error by PNC. I want my {$12.00} refund, PNC to be reprimanded and PNC reps to be retrained.
Complaint sub-issue: Their investigation did not fix an error on your report

I have spoken to the debt collection agency about this debt being paid off to the original debtor. I submitted documents stating I am no longer responsible for this debt. I also sent to the Equifax, and they said the dent is verified.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020, Carvana pulled my personal credit report without my permission. This " hard inquiry '' caused my credit score to drop 18 points. I called Carvana and asked them to remove the inquiry and they refused, even though they agree the credit inquiry was done in error. They stated I need to contact XXXX  to dispute the inquiry and they would support the dispute. When I contacted XXXX, they stated Carvana needs to contact them directly to remove the inquiry, that I can not dispute an inquiry. Both companies are pointing at each other, in the mean time, my credit has been significantly impacted.