Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


EQUIFAX - Creditor : XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  - Creditor : XXXX XXXX Inquiry Date : Doesnt show Creditor XXXX XXXX XXXX XXXX Inquiry Date : Doesnt show Creditor : XXXX XXXX  XXXX  Inquiry Date : Doesnt show Creditor : XXXX XXXX Inquiry Date : Doesnt show XXXX  - Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I obtained a home mortgage loan with XXXX XXXX XXXX XXXX ( XXXX ). A credit report inquiry by XXXX revealed one derogatory line on my credit report ( Item 29 XXXX  : see attached ) that was incorrectly still present in my record despite the fact that this debt was satisfied ( paid off ) and signed off by the County Judge ( Order of dismissal with Prejudice ) one year prior ( XX/XX/XXXX Court Order : see attached ). 
I attempted to dispute and resolve this issue directly with the Credit Reporting Agencies with no success. 
I am about to apply for a new home mortgage loan and before I do that I would like to ensure that this derogatory line-item is permanently removed from my file with all 3 major credit reporting agencies. 
I am reaching out to CFPB to help me solve satisfactorily this issue. 

Thank you. 
XXXX XXXX, Consumer
Complaint sub-issue: Account status incorrect

There are 3 accounts that are reporting late on my credit report, I was never late on any accounts on my credit report. I wrote a letter to the 3 Bureaus XXXX, Equifax, and XXXX  on XX/XX/2019 and asked them to investigate and to please delete the error. 
They verified as accurate, which is impossible because I am certain I was never late, So i sent another letter on dated XX/XX/2019 and sent it certified with signature so I know it was received by XX/XX/2019. I asked for method of verification and proof of how the investigation was conducted and who conducted it. I never received any documents or what I had requested. I am asking for them to please delete the error or send me proof of how they came to the conclusion of how it verifies accurate. I would like some type of resolution.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX XXXX  with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX.XXXX  statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from Discover/personal loans or it s affiliates.THIS IS FRAUD
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.

15 U.S.C 1681 section 602. A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( eX5 ) 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.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted a dispute to this company and have failed to receive my desired results. Please see my attached documents and have the company remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove one, I gave them permission to furnish and two, I was clearly giving an opportunity to opt out of reporting in which the law allows if not public information is being furnished.
Complaint sub-issue: Account information incorrect

I have been disputing 3 accounts with XXXX for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even possible.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Company closed your account

On XX/XX/18 I received an email from XXXX at XXXX saying that they closed down my account without any prior notice due to the following reasons. 

" Time since unsecured loan opened Derogatory public record or collection filed Length of time accounts have been established '' I gave them a call on XX/XX/18 at XXXX XXXX when their office opened to ask why they were my closing my account out of no where. They explained to me that they reviewed my account/ my credit report and they said because of the above reasons they have to close my account. They said it was closed permanently and there was no appeal process or anything I could do about it to reverse the decision. When I asked to speak to a supervisor I was told they were not available. 

I just recently paid off my balance in full for this account a month before they closed my account. My credit score is in the 700 's as well as I've had this credit card for over two years. They are my longest credit card length on my report. 

The unsecured loan they are talking about has just been paid off a week prior to them closing my account so it hasn't even gotten a chance to reported onto my credit as paid off. The collection on my account was a medical bill from a year and a half ago that was paid by a car accident settlement that I had to wait months to be paid out. As well as, it has been on my credit report for the two times XXXX has increased my credit limit and it was never a problem. Also, the lengths of the time my credit has been established makes no sense because they are my longest credit card I've had. 

I feel as though I have been unfairly treated by XXXX. My account was reviewed without my knowledge and closed without out any warning or notice. There is no appeal process and they are closing my longest standing credit card that I have. Them closing my account will affect my credit in tremendous ways including my credit length, my available credit line amount, as well as having a closed account on my credit report. Again as I stated before, I've been with them for over two years, my account was paid off, and my credit is in the 700 's. I just don't understand why my account had to be closed when they just raised my credit limit XXXX a few months prior.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On Today, I received a response from Equifax stating that I should send a copy of my social security card so that they can update my information. I also attached a copy of an utility bill so that they can add the correct address to my credit report. I filed an identity theft report with FTC. I ask that Equifax remove anything on my credit report that isnt supposed to be on there. If the items cant be verified and send me proof of verification then I ask that they permanently remove these items from my credit report.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Citibank lowered credit limit 1 day after a payment posted that was over the minimum. After having the account for 12 years. They have stated it was inquiries in 12 years I have bought XXXX cars XXXX house moved a few times have other cards and had new accounts. The credit score has stayed in the same range. I have attempted to contact Citibank and have gotten no response. When asking for management they give me a Po Box . Citibank was waiting like a lion to prance on its prey as soon as I made a payment. I used to tool on the site that shows how to reduce the debt on the card. Also when it bills now I will be over the credit limit due to the reduction after I have made the payment so they are trying with intent to lower the credit score more.
Complaint sub-issue: Information belongs to someone else

The following accounts are fraudulent : XXXX XXXX- {$510.00} XXXX/XXXX- {$210.00} XXXX- {$780.00} XXXX  XXXX- {$240.00} XXXX- {$210.00} XXXX XXXX- {$4900.00} XXXX- {$4300.00} XXXX- {$210.00}
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX has been reporting incorrectly on all XXXX credit bureau agencies. I have made multiple disputes with all XXXX CRA and have also been in contact with XXXX XXXX on the phone as well. On XXXX this account has been reporting as open and closed multiple times thus making my score go up and down. XXXX XXXX XXXX has also been reporting incorrect balances, as well as incorrect payment dates. I have also request via multiple phone calls to have all account history ( statements, payments, repo dates, notices & repo sale bills. etc. ) sent to my address. XXXX never notified me of any sale of my XXXX XXXX escape in XXXX. They have failed to update my address per multiple phone calls and purposely continued sending my notices to an address. XXXX had my most current address per the fact the car was repossessed 2 times in XXXX. Not only this but they had also sent me credit denials to my home address despite me never giving them permission to run my credit for an auto loan. Per the IL repossession law which was violated by XXXX, they are required to do/allow the following which they did not do. 

- If youve paid at least 30 % of your loan at the time of repossession, youll get a notice of redemption. This notice says that if you can make the missed payments and pay the cost of repossession within 21 days, you can get the car back. 
- Illinois repossession laws dictate that a lender must mail all borrowers of a repossessed vehicle a notice stating that you have the right to retrieve ( redeem ) your car or truck once you have satisfied all of the outstanding issues related to the vehicle repossession. 
-Illinois repossession laws also dictate for a public sale, such as an auction, the notice must include the time, date and place of the sale. The requirements of the notice are set out at 810 ILCS XXXX and XXXX. Other Requirements of the Notice : It must tell the debtor about their redemption rights It must give enough time to redeem or to find other buyers before the resale It must be given not only to the primary debtor but also to cosigners and guarantors It must be correctly addressed If it states the wrong information on the notice, such as wrong date or sale location, the notice is no good It must be written If the creditor learns that the debtor did not receive the notice and took no steps to correct it, the notice is no good A debtor must be sent a new notice if the sale gets rescheduled **all of which were violated*** Santander has violated my rights of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 
XXXX furnished inaccurate information about my credit to Consumer Reporting Agencies that it knew or had reasonable cause to believe was inaccurate -Santander failed to promptly update and correct information furnished to CRAs that I determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA 15 U.S.C. 1681 s2 ( a ) ( 2 ) XXXX furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ).
Complaint sub-issue: Reporting company used your report improperly

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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: Transaction was not authorized

I disputed a charge to my debit card in the amount of {$520.00} on XX/XX/2021 because the company did not follow through on their end to provide the service that was promised. I contacted my bank and the filed the complaint as Fraud ( I did not ask them to do this ). I am now told by my bank that the fraud department denied my claim and are refusing to reverse the charge. They are also telling me now that the fraud department has denied my claim, they will not consider my dispute. 

I want to get my money back and my bank is refusing to help me.
Complaint sub-issue: Debt is not yours

I have a debt collection attempt from Jefferson Capital System that was opened XX/XX/XXXX. The debt was originally to XXXX XXXX, the issue with this debt is that I had cancelled my plan with XXXX XXXX due to my military XXXX  prior to XX/XX/XXXX as that is the year that I was discharged from the military, I was unable to continue the contract, I provided my XXXX   to the XXXX XXXX store located near XXXX XXXX, NC where I was stationed and was promised that it was taken care of. The original phone contract was from 7-8 years ago and XXXX XXXX is unwilling to give me information about the contract or anything about the original debt.
Complaint sub-issue: Didn't receive services that were advertised

Due to the Equifax data breach, I went on their website and tried to freeze my credit Then, I tried freezing my credit on Equifax 's website but it does n't work, the page shows an error message. When I called Equifax, the agents ( XXXX, reference ID XXXX and XXXX, who refused to provide her information and was rude ), were n't able to freeze my credit and refused to provide me the phone number for Equifax in order to do that.
Complaint sub-issue: Their investigation did not fix an error on your report

My brother and I have been trying to untangle our credit reports for about 12 years. The last attempt I made was in the Fall of XXXX. For some reason, and we believe it is the fault of Equifax, my credit and his credit are being reported under the same person. The report shows that he and I are aliases for one another, however neither of us have ever used each other 's name as an alias. We have spent hours trying to correct this, and we have tried at least two different times each to correct this over the last 12 years. The company simply does nothing. I am trying to buy a house and I can not because his mortgage and car loans appear on my report.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulent made without my consent. Please remove these accounts from my report. 

XXXX XXXX  XXXX {$0.00} XXXX/XXXX XXXX {$290.00} XXXX   XXXX {$49.00} XXXX  XXXX {$680.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$240.00}
Complaint sub-issue: Didn't receive enough information to verify debt

Happy XXXXXXXX XXXX XXXX 

I visited XXXX XXXX in XX/XX/2021 and after landing, went to XXXX and had food poisoning. 
XXXX was called and took me to a hospital, which was not covered with my insurance. 

Kindly help.
Complaint sub-issue: Credit denial

Adverse Action ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XXXX XXXX Recently, I, XXXX XXXX was denied an extension of credit by Ally Bank On XXXX XXXX, I applied for an auto loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). Ally Bank has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code $ XXXX 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Ally Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT Following this initial attempt to rectity, I will be sending an invoice to collect actual damages for said violations. 
BEST XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Complaint sub-issue: Attempted to collect wrong amount

Citibank Home Depot responses To claims made are false. Action we have has resulted damage as payments not recieved late payments and interest payments are damaging to my good credit payment status with this company.

What they have done to me is threaten to report me to credit reporting agencies to hurt my good standing. Continue their abusive phone calls for collecting monies not owed to them because they failed to correct their failure to process payments recieved as in documents attached in this new complaint They know they have been in recite of Payments. Now a pending dispute is in process against Citibank for the monies They claim they did not recieve
Complaint sub-issue: Credit inquiries on your report that you don't recognize

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX XXXX, Whoconducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Complaint sub-issue: Report improperly shared by CRC

This is th e 3rd ti me that equifax released my credit information to companies fraudulently and when told that it was fraud they refuse to remove it. My credit has had  XXXX  inquiries from   XXXX   and  XXXX  from  XXXX .  XXXX  will not remove it unless there is a police report. The point is equifax was the that refusing to investigate and remove the fraudulent inquires.
Complaint sub-issue: Investigation took more than 30 days

I Was taking advantage of due to malpracrice while several laws have been broken under the FCRA by your company.This has caused me financial injury and deformation of character. This is preventing me from applying for credit and getting loans
Complaint sub-issue: Can't qualify for a loan

My son, XXXX, is applying for a student loan at Discover to attend Univ XXXX XXXX - XXXX and I am his father and cosigning the loan. Discover advertises a 2.99 % rate as their lowest rate. 

In XXXX, my son and I applied for and received a loan at the lowest rate from Discover. 

In XXXX, another son of mine, XXXX, and I applied to Discover for a student loan for him to attend XXXX XXXX - XXXX XXXX. We received this loan at the lowest rate. 

My credit is excellent. I checked with XXXX XXXX and it is XXXX and XXXX. It is as good as it has ever been. I also recently paid down my home mortgage considerably, which seemed to have a positive impact on my credit score. 

Last week XXXX and I applied for his fall semester and we were give a secondary rate of 4.6 % ( over 50 % higher than the lowest rate ). I called and they said my credit score in XXXX was XXXX and my credit now was XXXX, but still both outstanding scores. 

I have worked hard to get my credit score in an excellent range. Paying down the mortgage was a big part of that and took considerable resources. 

Discover offered no explanation other than the decision is based on their algorithm. 

I do n't believe them and I believe I am unfairly being treated and discriminated against.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602A States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a Consumer Reporting Agency can not furnish an account without my written instructions.

15 U. S. C 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any reason.