Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Email : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

please remove these inaccurate unverifable accounts. i sent a letter 2 months ago.
Complaint sub-issue: Account status incorrect

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. I also have not received any results for the disputes that i opened on these items from the credit bureaus. Its like they didn't even open the investigations because i have received no notice regarding how the company responded. Please help me any way you can.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting an incorrect balance on the XXXX XXXX account number XXXX. ( Please see the attached page from my credit report. ) I have also attached a copy of the check to XXXX XXXX dated XXXX in the amount of {$11000.00}. I had GAP insurance after my accident and this check was applied to this account, however the balance is not being reported correctly on my credit report. I have contacted the ( 3 ) bureaus to resolve this issue. This inaccurate reporting is harming my credit score.
Complaint sub-issue: Reporting company used your report improperly

i was one of the people who may have had their identity stolen from the equifax security breach, which could negatively impact me over the foreseeable future. equifax is handling this situation very poorly. for example, though the breach happened 2 months ago, i was unaware of this until today. they are also still charging consumers to freeze their credit reports, despite confirming that i was in the 143m+ people whose data was taken. also, their website to check for impacts has a disclaimer, waiving your ability to be part of a lawsuit against them due to this data breach. for a company who has so much impact on your life, they are very careless with data, and care very little about the end consumer.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I called in to dispute a charge XXXX XXXX XXXX XXXX keep charging after I canceled then in XXXX of this year. .The rude customer service agent kept asking me to verify who I and my son was. The more I verified The more she went on to the point of hassasment. Her Supervisor was more ignorant and rude then she was telling me they will call back XXXX Hours. After I verified my name DOB expiration on my DL, My Email address, Whats the year and make of my new 2022 XXXX XXXX and she just wouldn't stop, so I put a stop to it. I'm XXXX XXXX XXXX with many credits issue Cards and never been hassas like this.My son takes care of all my business and they seemed to had a problem with how I or he handled mine business. This must be investigated for Elder abuse.. 
My Insurance company is part of these unprofessional US Bank State Farm. I'm lodging a complaint with corporate also about how customers are treated. You can't even redeem rewards points on the site.
Complaint sub-issue: Information belongs to someone else

Please all names and addresses that are not as following. Anything, else if identity theft and fraud. 


NAME : XXXX XXXX XXXX ALL OTHER NAMES REMOVE ONLY ADDRESS XXXX XXXX XXXX XXXX, FL, XXXX. 

ALL OTHERS REMOVE FROM MY CREDIT REPORT.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I went to XXXX XXXX on Saturday XX/XX/XXXX to get my ears pierced. The piercing was free but the earrings were {$79.00}. With tax the total amount due was {$91.00}. I was charged twice .The duplicate charge never disappeared from my account. It was for {$91.00}. I called XXXX XXXX and they told me to talk to my bank ( USBank )
Complaint sub-issue: Information belongs to someone else

Informed the credit agencies that I did not sign a contract or open an account with these companies. I assured them that I have not benefited in any type of way from the accounts. I sent all three certified mail letters stating the XXXX, fraud, a police report stating such incident, and an affidavit reporting all this. When I originally reported these accounts as fraudulent the credit agencies said that had to file a police report before they would remove these accounts. So I followed their rules and did but was told they would only remove the information if the creditors decided to do so. I informed them that I am stuck in a never ending cycle because I am telling you this information is inaccurate but you will believe the creditor over the consumer. XXXX conversation of XX/XX/2022 is file number [ XXXX ] which should have been recorded. I was told it was nothing they could do unless the creditor decided to remove it. I feel like my rights are being violated under U.S.C. 15 1681 ( c ) XXXX and 1681 ( e ) and I am trying to resolve this manner in the policy they asked of me but still no resolution.
Complaint sub-issue: Their investigation did not fix an error on your report

I've recently disputed about this sears credit on all three of my credit reports XXXX, XXXX  and XXXX  on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my XXXX and and XXXX  account. The amount owed is {$1100.00} but has not been verified on my XXXX XXXX or XXXX   accounts.
Complaint sub-issue: Account status incorrect

I called them and they said they cant do anything about it and I have to continue to wait until they feel like removing it from my report. Its already been XXXX years so Im not sure how much longer itll take for it to be removed. It is now showing as derogatory on my report and it needs to be removed immediately. This account is closed and was paid in full I dont owe anything to them.
Complaint sub-issue: Debt is not mine

This Jefferson Capital keep automated calling my work and my house phone that I owe money. I asked to stop calling my work. However, they still calling my work.
Complaint sub-issue: Debt was paid

I have a Citibank HELOC loan and it is scheduled for automatic payment each month by direct transfer from my checking account. There was an adjustment to the loan amount and the interest is variable ( 25 bps below prime ) and as a result of the adjustment the automatic payment was insufficient to pay the amount due. Citibank called and left a message there was a deficiency. I made an additional transfer between accounts to pay the debt. Another call ensued from Citibank the representative ( XXXX : No. XXXX ) demanding payment. ( The payment was only 10 days late, and no written notices were ever sent ). I asked him if he checked his records to see if the payment was made. He said " no. '' He said he had no ability to check records to see if the payment was made or not and that his job was just to call and demand payment. Obviously, this is harassing.
Complaint sub-issue: Personal information incorrect

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.
Complaint sub-issue: Investigation took more than 30 days

I am submitting this complaint against Equifax for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

XXXX XXXX XXXX
Complaint sub-issue: Problem with customer service

I submitted documents for PSLF application on XX/XX/XXXX. I have waited patiently, called multiple times- XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 with no progress. I have met all of the requirements for the Pslf program and just can not get Fedloan to respond appropriately or tell me what they need in order to process my application. I have waited XXXX months when many others have waited much less.
Complaint sub-issue: Reporting company used your report improperly

Equifax faced a recent security breach and my data was compromised. They withheld news of the breach so select investors could sell their stocks ahead of the pending fallout.
Complaint sub-issue: Reporting company used your report improperly

Equifax is reporting incorrect information about me and have refused to make changes in a timely manner
Complaint sub-issue: Other problem getting your report or credit score

I would like my security freeze / block to be REMOVED ASAP I am trying to buy a car and they can not pulled up credit report information. My name XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached an FTC report with inquires I did not authorize
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX 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 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: Contacted employer after asked not to

Rise Credit, which is the company I acquired this loan from has been harassing me for almost three weeks now. I took out a small loan of $XXXX, after the interest the total payoff is almost $XXXX
I have only missed XXXX payment, after almost XXXX on time payments and ever since the missed payment they have been calling me non stop, almost XXXX times a day between my personal phone and work phone, which they were told they are not allowed to call.
My work has logs of the number calling, they call about XXXX an hour and when we pick up they don't say anything and hang up.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, XXXX at approximately XXXX PM, I became aware that credit report may have been involved in a hack, leaked, and is currently compromised through Equifax. They gave me no notice or warning and I was lucky enough to see a warning online.
Complaint sub-issue: Was not notified of investigation status or results

1. Unauthorized use of credit report.

2. The credit reporting agency took OVER 60 days to respond to me and I still have not received a response. ( 100 % Failure to uphold FCRA laws! ). 
I sent my letter on XX/XX/2021 it is now XX/XX/2021 and still no response or changes
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reached out because I recognized some inquiries that I do not recognize. I reached out to the agencies to get this removed from my credit report and haven't received anything back from them. This is hurting my score and I would like this off my report please
Complaint sub-issue: Their investigation did not fix an error on your report

I got a notice on my XXXX XXXX on XX/XX/2020 of a late payment on a closed STUDENT LOAN account in which is no longer reporting on my XXXX credit REPORT because it has been REMOVED. This has caused my credit to go down 30 points. How can this account still be reporting payment history when it is closed and has been transferred to another company. REMOVE THIS ACCOUNT from my credit REPORT.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Complaint sub-issue: Information is missing that should be on the report

My XXXX account ending in XXXX is not reporting on my Equifax credit report. 

I have contacted both XXXX and Equifax in XXXX and XXXX advised they have requested the account be re-reported. 

To date it is not reporting on my Equifax credit report.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, am a victim of identity theft. I have several accounts opened with the information that was not opened by myself. I went to the police and was cleared of all these fraud accounts. I have the certified and notarized police report. Equifax refuses to block the ID theft accounts under 605B of the FCRA. Equifax tries to claim sections 607 and 611 of the FCRA but those sections are not ID theft sections. Only 605B is. Equifax needs to obey the law, 605B of the FCRA that gives Equifax no more than 4 business days to block these id thefts opened accounts now not later. It's been over 30 days since they broke the law. 
XXXX has my file locked to a manager by the name of XXXX XXXX. He has lied about the documents he has received from me. Lied about me. I recorded all conversations, he says 1 thing then lies about it later. 1 account is XXXX XXXX XXXX. It is in a different name than mine, an address I never lived in, my license predates the opening of this account, plus law enforcement cleared me of opening these accounts. Certified and notarized. Still, these credit-reporting agencies refuse to obey the law. This harm needs to end now by and through your agency, the CFPB.
Complaint sub-issue: Threatened to sue you for very old debt

After I started to dispute this account. I started recieving threatening text messages stating if I do settle they will seek legal action. Also when I had my account with them and when I needed to make payment arrangements I was being charged for the payment arrangement. 
They have also sent me letters stating Iam preapproved for store credit trying to trick me into contacting them. The amount they are stating I owe is way more then the original amount. It has been almost 7 years since I opened up this account.
Complaint sub-issue: Account status incorrect

Several months ago I called in to customer service and inquired as to how to aquire a payoff letter for the purposes of loan consolidation. 

I was directed to the website and directed by XXXX customer service how to access this information. The payoff letter that was generated is attached to this correspondence. 

After submitting this attachment to XXXX, my consolidation bank, a check was then sent with pay off instructions with my consent to close the account Iafter completion of the payoff transaction. 

One week ago, I was checking my credit report and realized that XXXX put a 60 day past due notice on my previously closed account. Completely confused, I called XXXX customer service to get answers. 

Upon gathering more information the customer service agent, I realized that XXXX previous agent MISADVISED me and did not give me the correct payout information. 

I did not receive any corresposnce from XXXX as to say that my loan was in default and that the process of loan consolidation was incomplete. 

I immediately paid off the past due amount. 

I am asking XXXX to please remove the any delinquencies associated with this account from the three major credit bureaus and bring this account back in good standing. 

I now have to redo my consolidation loan because of this error so Im also asking XXXX to please email me the corrected payout letter for this purpose.
Complaint sub-issue: Debt is not mine

Received a letter from Afni, Inc. attempting to collect an alleged outstanding debt owed to XXXX XXXX XXXX when I have never had an account with XXXX XXXX XXXX for any product or service.
Complaint sub-issue: Problem with personal statement of dispute

I was marked 90 days late 4 times by  Nelnet  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the ER during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that m y credit score  has changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My heart just stopped beating all together. I called NelNet the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  NelNet  ) nor the credit bureaus. I wrote  a 2 p age letter and attached supporting docs ( proof ) and even my lawyer got involved. No one  XXXX   XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020, my external account for fund transfers named " XXXX XXXX '' was suspended. I called an agent at ( XXXX ) XXXX. After waiting for 30 minutes, the agent sent me a verification code via SMS to unblock the account. 

On XX/XX/2020, both of my external accounts names " XXXX XXXX   '' and " XXXX XXXX   joint '' are suspended again. I am again on hold for 30 minutes but no resolution in sight.
Complaint sub-issue: Account status incorrect

I was out of the country and I have been a victim if fraud I have always paid my bills on time but I had a separate card from XXXX for my business called XXXX XXXX  preferred with a XXXX line of credit as I arrive back to the United States it was on the beginning of XXXX when the whole pandemic started I personally have sent letters explaining to XXXX   credit dpt of my circumstances that my business cc was used by ex employees of mine that were indeed authorize users and therefore have paid off this card but XXXX  is not willing to remove four months of late charges even though they weren't made by me and it was a business cc that I honestly had no idea it would fall under my own personal credit report My credit score has signifincaly gone down like 100 points due to this mess I would like to get this erased of report right away
Complaint sub-issue: Account status

Multiple inquiries on my credit history have dropped my score severely, and at no time has anyone from the company with which the score was checked informed me about the massive effect hard inquiries have on credit scores. Because I have checked with multiple people about home loans, I 'm no longer able to qualify for a home loan because of the severe impact to my credit score, and I 'm now stuck in a poor living situation for what I 'm told will be at least 2 years.
Complaint sub-issue: Debt is not mine

Never had service with company. They also REAGED the " debt ''.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX {$250.00} XXXX XXXX {$830.00} XXXX XXXXXXXX  XXXX {$350.00} XXXX XXXX XXXX {$32000.00} CHAPTER XXXX BANKRUPTCYDISCHARGED XXXX