Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I have been building my credit for the past 9 years. I have multiple credit cards such as XXXX, XXXX XXXX, XXXX. I have student loans. I have credits on XXXX XXXX etc. 
I have never had a problem when companies ran my credit. 
However, I recently moved to south carolina and when I tried to buy a car on XX/XX/2018 and they said my EQUIFAX report had a hold. 

I called equifax several times, gave them all my personal info, and they said they have absolute no record of me. I then called my creditors to verify the spelling of my name and ssn and they all said that they report to all three credit bureaus. 

I am unable to get electricity in my apt because of this issue, hence I am unable to move, so I have been paying hotel for an extended amount of time. 


I need urgent help please. 


Thank you XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing today because I am shocked on how poor attention and lack of investigation XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX Account Number XXXX The first error date of activity XXXX is reporting XX/XX/2021 and Equifax is reporting XX/XX/2021. 

The second error account status XXXX is reporting closed and Equifax is reporting open. 

The third error payment status XXXX is reporting payment status as collection/ charge off and Equifax is reporting Late 120 days. 

The fourth error is last payment XXXX is not reporting a last payment and Equifax is reporting last payment XX/XX/2021. 


I have sent numerous letters to Equifax and XXXX they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. I have the right for 100 % accuracies on my credit report.
Complaint sub-issue: Account information incorrect

the student loan place on my credit report has not been verified with the origninal loan signed promissary note by the loan service company XXXX. The service company XXXX, told me they did not have the original promissary. so they put one together with the consolidate loan info, which also does not have my signature, an is not the orginal promissary note, they did not prove the load to be mine, besides the document they put together for the missing promissary not, they do not have attendance records or original loan documents. 

I need to have the loan removed from my credit report since they have not proven the loan to be mine.
Complaint sub-issue: Debt is not yours

This account was open on XX/XX/2018 this is not my debit from XXXX XXXX please block and remove from my credit report.
Complaint sub-issue: Information belongs to someone else

Loans and debt that are not mine. Trying to buy a home and this is affecting my ability to do so. Please help me get this removed ASAP.
Complaint sub-issue: Information belongs to someone else

I have tried to remove serval accounts that are not mine. I am also having problems with my XXXX sisters accounts posting on my reports as well.
Complaint sub-issue: Funds not handled or disbursed as instructed

on XX/XX/XXXX i try to open a business account, and i was turn down by the bank because, on XXXX us bank report information about a negative account activity to consumer reporting agencies ( CRA ) but i believe and have evidence to prove this information is inaccurate. and i try several times to solve this misunderstanding on the past. every time i receive a note on the mail i will call the number provide to my on the note but no one ever call me or my husband back. i went to the branch where we open the account try to speak to the manager but was turn away, at the location on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX this was a clerical error. 
i had to pay rent and i needed to make a deposit. i ask for a cashier 's check it was late in the day the lady at the front desk told me to avoid NFS she would do some tricky banking movements i dint really understand but she said this would work, several days later i was alerted by overdraft charges i file a dispute and deal with it to my understanding i close my account on XX/XX/XXXX and was told no further actions were required. 

but here i am trying to open a business account and unable to do so.
Complaint sub-issue: Confusing or misleading advertising about the credit card

They keep sending me credit card offers and sweepstakes telling me if I opened an account I could be entered I had my refund deposited into Thier account and they kept asking me to set up an account like I never did and then with they kept saying my approval odds were good to excellent to get a credit card and I got denied credit karma has been doing this to me for the past XXXX years on and off
Complaint sub-issue: Information belongs to someone else

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to his day over 60 days later I have not received a response yel I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

Again I Have Been Fighting PNC For Years About This Account This Account Was Not Authorized By Myself. I Need This Off My Credit. If I Have To Involve A Lawyer And Social Media Postings I Will Resort To That. This Is Impacting My Credit And Making It Extremely Difficult To Get A Home Loan. I Want Written Proof Of Ownership Of This Card And Proof That I Signed Up And Made These Purchases. Im Not Going To Be Held Responsible For Something I Did Not Do.
Complaint sub-issue: Billing dispute for services

I am trying to get a medical bill off my credit report. I did not give the hospital permission to sell my information to a third party. I keep telling the credit bureau to remove it but it has yet to be removed. This is a matter that my old employer is responsible for this bill. The company is XXXX XXXX ( XXXX XXXX )
Complaint sub-issue: Account status incorrect

I traded in my XXXX XXXX XXXX on XX/XX/2020, Financed through XXXX  XXXX to the XXXX dealer, XXXX XXXX in XXXX Florida financed through XXXX a XXXX XXXX XXXX. I immediately called XXXX XXXX and got the payoff amount and told them I traded in the Vehicle I was outsourced to the XXXX. I made several calls during this period of time so did the dealer. A check was cut by the dealer on XX/XX/2020, for {$33000.00} an overage of the payoff of {$150.00} which XXXX  XXXX is refunding me. Because of the CORONA Virus pandemic, all of the non-essential business in XXXX Florida was closed down on Friday, XX/XX/2020. The dealer had sent the check XXXX XXXX to Californa Payoff address for XXXX  XXXX it was received and signed forXX/XX/2020 at XXXX XXXX   by XXXX. I also sent a letter by regular mail to XXXX  XXXX to make sure they had copies of the check as well and phone calls from me and the dealer. Now Please be aware we are are all quarantined at this time, my mother is XXXX and in Wisconsin XXXX  with the XXXX  I am in Florida unable to travel. This horrific company is giving me the run around with people telling me I have to make payments on a vehicle that was traded in and paid off!. I WAS NEVER LATE ON A PAYMENT FOR 18 MONTHS at 16 % interest. On XX/XX/2020 XXXX  XXXX reported me to all 3 credit Bureaus as being late payment with 0 delinquency because I owe no money The assistant to the President called to tell me the payoff even if it was the over amount was 4 days late during a PANDEMIC I have her name and number. They are deliberately trying to ruin my credit. I have submitted documents I have a letter from the dealer and an official statement from the city of XXXX for the closure, They need to be held accountable! I am a good customer my credit is important based on this report my score dropped 22 points again I traded in my car on the XXXX it was paid off in total on the XXXX during a pandemic. This was unacceptable. I am sure I am not the only consumer they are ruining credit on honestly they have a terrible attitude toward the consumer. I am going to report them to the XXXX XXXX XXXX and Florida Attorney general as well I know this seems extreme But it is morally wrong I do not owe these people any money I was not late and they owe me money.
Complaint sub-issue: Problem using a debit or ATM card

I am a victim of fraud. I made XXXX reports. The person got my phone turned off and there were transactions I didnt make. The companies attempted reversed the credit which is not right. How can you tell me what I experienced like youre me? Thats ridiculous. I filed a police report, Dc # XXXX
Complaint sub-issue: Information belongs to someone else

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

I disputed in XXXX one account that are not mine and another that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Complaint sub-issue: Account information incorrect

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, i have still the account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Debt was paid

I had a Home Depot account that went into collections with XXXX XXXX XXXX. I entered into a settlement agreement with XXXX XXXX XXXX  and made 1st payment fine with no problem received a confirmation letter in mail for payment. XXXX sent me 2 letters, 1 in the month of XXXX and one in XXXX reminding me that my final settlement payment of {$180.00} was due on by XX/XX/2018. I paid the amount required on the letter on XX/XX/2018 with a rep from their company. On XX/XX/2018 at XXXX I get a call from a XXXX, I believe this is what he said his name was, stating I was short {$63.00}. I advised him female that took my payment said she saw the letter that was mailed to me and agreed amount on letter was correct that I should get a settlement letter within 10 business days. He wanted to argue. I told him he must honor what was place in writing on their letter head, he refused. He then placed me on line with a guy name XXXX XXXX said he was not a supervisor but the person that handles complaints that no manager was there and he refused to argue and told me I need to pay the additional amount. I told him I wasn't paying anymore this is not what was on their letter, he proceed to tell me that the settlement will be voided and they would go after me. I requested a manager, he said no manager he is the manager. I advised he previously told me there was a manager now there is no manager. I explain to have manager contact me today XX/XX/2018 and hung up on him. This company is not willing to accept what they placed in writing and agreed upon when they took my money for payment. I want Citibank ( HomeDepot ) made aware of this and this company.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent the XXXX XXXX to the department of education and XXXX for the past year to resolve wrong information and the removal of my student loans. 

I am a XXXX XXXX and under the Americans with Disabilities Act this information needs removed from my credit file. My loan was also over 7 years ago.
Complaint sub-issue: Information belongs to someone else

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$450.00}
Complaint sub-issue: Information belongs to someone else

I AM LOOKING FOR HELP GETTING THESE FRAUDLENT ACCOUNT REMOVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY. BUT I AM A VITCIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME. I HAVE BEEN TRYING TO FIND THE CORRECT REMEDY TO GET THESE ACCOUNTS REMOVED. NOT ONLY DID THEY OPEN ACCOUNTS BUT THEY ARE INQUIRING ABOUT NEW ACCOUNTS. I HAVE SEVERAL FRADULENT INQUIRIES AS WELL. PLEASE HELP.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following EQUIFAX MORTGAGE SER XX/XX/XXXX ; EQUIFAX MORTGAGE SER XX/XX/XXXX ; EQUIFAX MORTGAGE SER XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

XXXX hired a 3rd Party to get people to switch phone companies. It was a better offer, so i decided to go with the plan.I went into the XXXX store to get the phones activated and the people in the XXXX store told me the 3rd party had done the switch wrong, so they told me they would cancel the first account and create a new one and notify the 3rd party what had been done. Apparently, the 3rd party was never notified so I was being charged on that account as well. This was all done in 2014 and XXXX XXXX is not showing a date of last activity on my credit report.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..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.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account 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: Their investigation did not fix an error on your report

XXXX, XXXX  & Equifax is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing  with the Secretary of State. Ive attached a copy for your records. According to TITLE 31 U.S.C. SEC. 3123= All debts are UNITED STATES obligations
Complaint sub-issue: Information belongs to someone else

AFTER CAREFULLY REVIEWING MY CREDIT FILE I CAME ACROSS SOME DEROGATORY ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND INQUIRY. THE ACCOUNT AND INQUIRY HAS NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX credit card with Citibank is reporting me as negligent and default in payment as a authorize user which I did not consent to. Now XXXX   has deducted approximately 10 points off my credit profile. I called XXXX customers service. I have requested that XXXX be deleted from my credit reports ie XXXX.XXXX and XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account Number ( XXXX ) ( XXXX ) ( XXXX ) U S DEPT OF EDXXXX The above creditor 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: Personal information incorrect

In accordance with the Fair Credit Reporting Agency act XXXX, Equifax, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These address do not belong on my credit.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Problem getting your free annual credit report

These ppl are XXXX  of the earth I faxed over mailed copies of my SSN card driver license number card and utility bill iny name they still can't verify me let alone obtain annual credit report
Complaint sub-issue: Old information reappears or never goes away

A local electric utility, charged me for months with readings from my neighbor 's meter. The probleme was investigated and the balance corrected after a lengthly complaint process with the Delaware Regulatory commissioner. On the phone, they promised to correct the issue. I demanded to have a new invoice, showing new balance. This was in XXXX. I attempted to pay with a credit card the corrected invoice, but could not, unless I provided my social security number - which I refused. Not until XXXX, when I tried to acquired a car that somehow, the balance shows up on my credit report. Reported by an agency OUT OF STATE. So I undergo a rate abuse!!! However, on a $ XXXX loan, which I paid off quickly and by same reduce insurance coverage. The entry goes away again, until this XXXX, when I began exploring a mortgage. I located a home and wanted a pre-qualification letter. XXXX XXXX ' said the high school drop out mortgage originator! 
Here 's the XXXX email : " XXXX XXXX. Per our conversation today, I am not able to issue a pre-approval. If we did the first time buyer program, I would need to base your income on what you reported on your last 2 years tax returns. If we didnt use the first time buyer program the rate would be 5.25 % based on your score of XXXX. I am sorry, but I dont have enough income based on the documentation provided to get you qualified to purchase a house in the {$180000.00} price range. Let me know if you have any questions. Thank you, " The XXXX score is made that low because of one credit agency only " XXXX. '' Who refuses to correct the derogatory entry from the utility. The other 2 agencies made the correction. XXXX, is more interested in selling me " protections I don't need! 

Please find attached a document showing a self-assessment on a the above mortgage. The guidelines are all in there ... Please help solve this woodoo. The bigger issue for me is to have a place where my 15 yo son, could come visit in, and learn to be a man, because at this point, he's the copy of his mother!