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

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
according to consumer laws 15 U.S. Code 1681i A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than ... ,18 U.S. Code 894 - Collection of extensions of credit by extortionate means,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies as well as 15 U.S. Code 1681a - Definitions ; rules of construction,15 U.S. Code 1605 - Determination of finance charge,15 U.S. Code 1681i - Procedure in case of disputed accuracy,15 U.S. Code 1681n - Civil liability for willful noncompliance,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1666b - Timing of payments and consumer law 12 CFR 1026.13 - Billing error resolution.MY RIGHTS ARE BEING VIOLATED. 


INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT ACCOUNT # XXXX
Complaint sub-issue: Deposits and withdrawals

We have just started new jobs, so I had my wife download bank app so she has access. She is a server and she gets her tips in check form the next day. Twice she e deposited her check and the bank put a five day hold on them. I took her check, same account, same bank and e deposited it in between those checks.. went right thru. The problem is Im stuck in a hurricane 3 hours away from home with my wife and 4 dogs. The bank will not release the checks, even in an emergency. Ive explained that we have been out of work for 10 months and this was all the money we had. We went to XXXX to meet friends fleeing from IAN in FL, they left yesterday but had the hotel room till today. Now because Ally bank wont release our funds that were deposited on Sunday XXXX and Wednesday The XXXX, weve had to check out and ride out a hurricane in our car with it on Empty with XXXX in the account, we cant get home and have XXXX money to eat as they are holding XXXX till at least Monday XXXX
Complaint sub-issue: Information belongs to someone else

XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Former : XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Information is not mine

I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with XXXX, Equifax, and XXXX credit reporting agencies for years. I have been aa victim of fraud as reported to all three agencies in the past, as far backas XX/XX/XXXX. As of XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$89.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Owed : {$420.00} XXXX XXXX XXXX Owed : {$760.00} XXXXL XXXX XXXX XXXX Owed : {$560.00}
Complaint sub-issue: Information belongs to someone else

I checked my credit report and noticed multiple accounts on my credit report that I do not Recognize
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive had multiple new account inquiries trying to open a credit line : XXXX XXXX AMEX XX/XX/2022 Citi Cards Cbna XX/XX/2022 XXXX XXXX I did not inquire about anyone looking into my credit nor apply for any credit card recently.
Complaint sub-issue: Personal information incorrect

Numerous attempts have been made to correct my legal name with all 3 credit bureau 's. My legal name was incorrectly changed and used in a frauduent manner due to fraud. I was under the assumption that credit bureau 's were required to validate information before placing it on credit reports and profiles. 

My correct legal name is XXXX XXXX XXXX The incorrect name reflecting is XXXX XXXX XXXX XXXX I am providing my DL, SS card and recent utility bill, and a recent credit file received, to identify myself. 

Again, my legal and only name is XXXX XXXX XXXX. No other name ( s ) should appear.
Complaint sub-issue: Problem getting your free annual credit report

this is in reference to previous complaint # XXXX. 

Sage stream continues to violate FCRA by continuing not to honor my mailed in request with documents proving my identity. This has been going on for 6 months. I submitted the documents that suitable to verify my identity, by certified mail on 2 separate occasions. 

certified mail # XXXX delivered and signed for on XX/XX/2020 certified mail # XXXX delivered and signed for on XX/XX/2020 SAGE STREAM 's failure and continuance to deny my request for security freeze and copy of consumer report, will lend to a filing of suit at a legal venue near me. This will be my last request for them to honor my documentation or I can see them in court and a let a Judge decide on who was correct on suitability of documents. Northing in the FCRA says I must submit online and I will not be using online means to facilitate my

two requests. I've submitted my two request via certified mail on 2 separate occasions the next certified mailing will be for legal remedy this is my 4th and final reques
t.
Complaint sub-issue: Information belongs to someone else

On X/XX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XXXX XXXX 2017 and I have not heard from XXXX  or Equifax at all regarding these matters. Additionally, XXXX 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete these pieces of questionable information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Problem lowering your monthly payments

Regardless of the fact that I received the attached Letter from XXXX XXXX XXXX from Discover Card, please see 3rd. paragraph stating that the rate reduction will be reflected on my next monthly statement, i.e. XX/XX/2018 I have received the monthly bill with the wrong monthly amount of {$97.00} which I can not pay. Upon contacting Discover card via telephone during the past week, and today, in several opportunities they have declined lowering the monthly payment. As you can see Discover is non compliant, as I understand once it is written they have to respect what they offer. Please look into this matter ASSAP as I do not have the amount they are forcing me to pay this month. You need to have Discover card to stand for what they have in writing it is against the law to lie in such a manner. Thanks for your prompt reply. 
Respectfully, XXXX XXXX XXXX
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. Thank you
Complaint sub-issue: Reporting company used your report improperly

DISCOVER FINANCIAL SERVICES has violated me as a consumer. They have abused my rights as a consumer! 
Violation 1 : Reporting an experience!

DISCOVER CAN NOT furnish this information to the CRA 's.

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Complaint sub-issue: Debt is not yours

my credit report is showing I have a XXXX XXXX bill for XXXX from XX/XX/2018 I do not kown about this bill.
Complaint sub-issue: Card opened as result of identity theft or fraud

Received an email saying my phone number changed on a US Bank account, which I dont even have. Then the next day ( XX/XX/22 ) got an email from XXXX saying I had a new hard inquiry. I called US Bank and they said a XXXX XXXX credit card was opened but that they were closing it down. I called all three credit agencies and placed fraud alert on accounts.
Complaint sub-issue: Didn't receive terms that were advertised

Citibank advertised a non-targeted promotion of opening an account package ( checking and saving ) with required activities ( see attached photo ) to obtain a {$400.00} cash bonus. On XX/XX/2018, I opened the account package in Citibank XXXX XXXX XXXX XXXX with a banker ( XXXX? not sure about his last name ). On XX/XX/XXXX, I completed all required activities ( make a deposit of {$15000.00} new money and maintain it for 60 days ). Citibank said the bonus will be paid in 90 days, which was expected on XX/XX/XXXX. However, it was not received. So I went to the same branch on XX/XX/XXXX and was told that XXXX has left the branch. Another banker XXXX XXXX filed a case and told me the bonus will be received in 14 days. Nonetheless, I still have not received the bonus so far.
Complaint sub-issue: Information belongs to someone else

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit_report. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and there are also like four accounts on Equifax that dont even have a name. The account numbers ore XXXX, XXXX and XXXX.
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 XXXXJEFFERSON CAPITAL XXXX XXXX ... XXXX XXXXXXXX ... 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: Frequent or repeated calls

About a month ago I lost my job and fell behind on my payments. When Conn 's called I explained the situation and told them when I would send them a payment, about an hour later, they called again, I repeated my situation and AGAIN told them when I would send a payment. The calls did not stop that day, they called me 8 to 10 times. The next day they called another 8 to 10 times, sometimes just hanging up when I answer the phone. They call between 8 and 10 times EVERY DAY. 
I send them a payment when I say I will and they just keep calling 8 to 10 times EVERY DAY
Complaint sub-issue: Their investigation did not fix an error on your report

This letter is a formal complaint that Equifax IS NOT reporting correct info on my credit history. I am distressed that they have not included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. Add this positive account to my report XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

8. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


Failing that, these items should be ADD to the report as soon as possible. Please CORRECT this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours,
Complaint sub-issue: Company closed your account

I am the consumer, original creditor and natural person. Discover Bank violated my rights by closing my credit card account -ending in XXXX without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Discover Bank closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Discover Bank discriminated against me by closing my account. Pursuant to 18 USC 8, all bills are the responsibility of the United States.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax removed two fraudulent inquires from my credit report, but I was told by them that they would remove all 6 inquires that was fraudulent. I also spoke to the company where someone tried to get an account with them and they said they have no information of me on file but after equifax investigated they said that the results were verified as accurate which is false and the are breaking the law.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Fiserv is trying to charge me a fee for a service we did not use.
Complaint sub-issue: Their investigation did not fix an error on your report

My credit file was compromised in the massive Equifax security breach in XXXX and the XXXX XXXX XXXX breach in XXXX therefore, I have been monitoring my credit profile with Equifax on a regular basis. On XX/XX/XXXX, I disputed erroneous personal information names, DOB, addresses and Employment in my credit file in which my credit scores were in the 600+ range and on XX/XX/XXXX several negative unknown entries were inserted on my credit file which caused my score to drop over 100 points. I am inserting my credit report from the month of XXXX and the month of XXXX just so that you can see the difference of reporting.
Complaint sub-issue: Account status incorrect

Creditor. XXXX XXXX XXXX The account was paid and they are removing the chargeoff status to all 3 credit bureaus.
Complaint sub-issue: Account status incorrect

Equifax is incorrectly reporting a paid collection account as open. This account was paid over a year ago and although payment status has been updated to paid, the account is still reporting as open. This account has been disputed with Equifax in previous months,  XXXX ,  2017 ,  XXXX   XXXX  and again,  XXXX   XXXX  and they are not changing anything.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Account information incorrect

XXXX is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on XXXX. There isnt any on Equifax or XXXX. The original contact was with XXXX XXXX. 

If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX County, GA for violating my FCRA. Equifax should remove because they violated all inaccuracies in XXXX. 

The last activity date on Equifax is XX/XX/XXXX but is XX/XX/XXXX on XXXX. No DOLA activity is shown on XXXX. The terms arent shown on XXXX. 

The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. 

A high balance isnt shown on Equifax. 

In addition, a 90 days past due is constantly reporting on Equifax and XXXX. There shouldnt be any delinquencies after the close date. 

Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. 

This historical information is incorrect and reports a past due amount and does not show history from XXXX. 

This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate information.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -they are required to ... promptly delete all information which can not be verified. " that I have disputed.Please resolve this manner as soon as possible.Thank you
Complaint sub-issue: Account status incorrect

I pay the car loan but it still showing repossessed on my credit report