Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

Here attached is a copy of this creditor reporting inaccurate information on my credit report to XXXX and XXXX, 1- there attached is factual proof highlighted in a red marker where they state i was " 60 days late : to one bureau on XX/XX/2015 and to the other bureau they report " 30 days late '' how is this accurate? 
2- After the " closed date '' they report activity as " ok '' and " 30 days late '' how can a account be paid on time after being closed? 
3- The vice president of First Progress Mr XXXX says in a letter attached that they are not reporting any payment of {$9.00} and as you can see in attached report that is false. 
4- this creditor has not sent me any proof this account belong, no copy of any agreement, contract or application with my signature. 
5- They refuse to send me an itemized account history with all charges, fees and debit. copies of canceled checks to prove the late date they are reporting. 
All my claims are verified in attached copies of my credit report highlighted in red marker. 
This inaccurate reporting is hurting my ability to obtain a fair credit score for a new job please see all documents included.
Complaint sub-issue: Information belongs to someone else

Hello, I am reporting because I have in my credit report the items that are not mine. I can not understand what to do in this situation. I want to ask you to remove these unknown inquiries because I checked them and I do not recognize the companies and why I have these inquiries. I am kindly asking you to pay attention and to help me with these inquires that suddenly appeared in my credit report. I am always paying attention to my activities and I can definitely say that these items are not mine.
Complaint sub-issue: Information belongs to someone else

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The  presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Complaint sub-issue: Public record information inaccurate

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. The public record is non compliant, inaccurate, and unverifiable.
Complaint sub-issue: Account information incorrect

XXXX account ending in XXXX, I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax is reporting several years of activity on payment history after account was closed. I want the account deleted for false reporting because there is no activity on payment history after an account is closed. Equifax is reporting available credit $ XXXX. This is inaccurate and false reporting and I want the account deleted because the account is closed so there is no Available credit.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, I received an alert about an inquiry into my XXXX credit report that I did not initiate.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2019 To Whom It May Concern : On a recent trip to XXXX XXXX XXXX XXXX, I visited the XXXX  store at the XXXX XXXX mall on XX/XX/2019. During this visit I was given a treatment to demonstrate their product on my face. I was amazed at the results I saw, that I purchased the product at a cost of {$300.00} plus {$48.00} tax. 

Prior leaving the store, the salesperson again offered to demonstrate another product called XXXX XXXX ( XXXX XXXX XXXX XXXX ). The machine used in the store definitely appeared to remove the wrinkles from my face. Based on these results, I purchased this product at a cost of {$5000.00} plus {$800.00} tax. 

When I arrived back at my hotel and unwrapped the packaging, I noticed that the {$300.00} product was for eyes only. This is not what was demonstrated in the store. After realizing I did not have the product that was demonstrated, I returned to the store to request the correct product. At this point I was told there were no refunds, which apparently also included exchanges, even though the error was on their end. 

Upon returning to the U.S., I made several unsuccessful attempts to contact the corporate office in New York. The product they are selling is a scam and does not work. While I was apparently a victim of their unethical practices and suckered into this purchase, there should be consumer recourse for their business practices and their fake products. 

As a result I am requesting a complete refund and/or the charges removed from my account in the amount of {$340.00} and {$5800.00} respectively. Your consideration in this matter will greatly appreciated. 

Thank you, XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

On XXXX XXXX, 2022, I logged into my Nelnet account to set up a recurring payment ( " auto debit '' ) for my student loan. I noticed that the " amount '' field was set at the minimum payment and was not editable. I wanted to set up a higher payment than the minimum to avoid paying so much interest. The Nelnet website repeatedly references the possibility of " requesting '' a higher monthly payment but offers no instructions or links to do so. I made XXXX calls to Nelnet customer service. The first representative asserted that it was not possible to change the amount, but suggested setting up an additional monthly payment -- then acknowledged that doing so would harm my credit score. The second representative looked into the problem and suggested that it should be possible to edit the amount when setting up the auto-pay ( though it was still uneditable on my end ) and alternatively suggested setting up the auto-pay with the minimum monthly payment and then re-logging in to edit the payment amount once it had been set up. I attempted this but was still unable to edit the payment amount. I am concerned that this setup is trapping loan payers in low, long-term payment plans that maximize the interest paid. If Nelnet receives compensation or part of/all of these payments, that seems like a predatory scheme to me. The manual option ( logging in every month to make an individual payment ) seems much more prone to user error. Could someone please assist me in investigating this?
Complaint sub-issue: Account status incorrect

I have automatic payments set up. For some reason, they did not get set up properly on one account - BestBuy. It is inaccurate. As you can tell, this one late payment is hurting my personal credit score significantly. I have never missed any other payments. My credit history is fantastic and perfect. I have not missed any other payments ever. Can you please remove the late payment from BestBuy? I have a 99 % accuracy for my payment history. 


1. Best Buy/cbna : Creditor Information. 
BEST BUY/CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX Opened : XX/XX/2018 ( 1 yrs, 5 mos ) Late Payment : XX/XX/2018 for the amount of {$77.00}. Thereafter, I have made 94 % of payments for this account on time. I have contacted the company and disputed.
Complaint sub-issue: Their investigation did not fix an error on your report

THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score.  The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Complaint sub-issue: Fraudulent loan

Myself and My husband mailed a debt validation request to XXXX XXXX XXXX via certified mail that was received by them on XX/XX/XXXX. We  submitted the request after reviewing our original contract and recieving a default letter on XX/XX/XXXX and seeing that XXXX XXXX XXXX was not the listed creditor on the original car loan contract and another creditor was listed. We also spoke with the original creditor listed on the contract XX/XX/XXXX and they had no record of XXXX being assigned to the loan and neither did the dealership the car was purchased from.After speaking with XXXX representatives on several occasions regarding my concerns XX/XX/XXXX. OnXX/XX/XXXX i offered to hold all funds in a trust or court account to prove I do have intentions in paying once validation is received. The offer was refused.XX/XX/XXXX we were notified by phone representative that XXXX will not be responding to our request and will " prove ourselves by repossession and we do n't have to send anything other than a bill ''. I then responded to the representative stating that if they do not respond with proper documentation by the XX/XX/XXXX deadline they will have to cease any collection attempts and credit reporting. The representative stated that they can just come get the car and they do n't have to prove anything. They will take a payment and I can wait out the XX/XX/XXXX deadline for response if I wish. I complied with a payment of XXXX only because I realized they were willing to go around my rights, but made it clear that I was not in agreement that this was a valid debt and I still wanted validation. This arrangement was made to put the account on hold in their records until XX/XX/XXXX. Without validation who is to say that another company ca n't come along and say I owe them instead and they too can repossess.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account information incorrect

I contacted XXXX on XX/XX/2022 to remove an inaccurate account, that is being reported with an incorrect monthly payment. Item was not removed after investigation completed on XXXX XXXX.
Complaint sub-issue: Fees charged for closing account

My husband and I opened a virtual wallet checking account with PNC Bank. My husband could not establish an online account to manage the account online. After spending hours on the phone with customer service and no resolution, we decided to close the account. I called customer service and explained the situation to the representative and requested the {$25.00} fee to close the account be waived. The representative 's manager approved the waiver of the {$25.00} fee. I made sure to clearly confirm I would not be charged any fees for closing the account. They stated that the fee would be reimbursed to me after the account closed by cashier check. It has now been nearly two months and I have not been reimbursed, even after follow-up calls with them.
Complaint sub-issue: Investigation took more than 30 days

Equifax has been investigating XXXX  XXXX XXXX account XXXX for over 6 months. 

Equifax has been investigating XXXX XXXX XXXX  account XXXX for over 6 months. 

Both accounts have been under investigation for months, by the fair credit act they were supposed to be deleted if not verified in 30 days.
Complaint sub-issue: Other problem getting your report or credit score

Equifax states I do not have a credit score or report. I sent my if documents to them. I also have not been able to get my credit reports or more information. Please help.
Complaint sub-issue: Debt is not yours

I was put in collection around XX/XX/2017, by XXXX XXXX for the amount of {$69000.00} which XXXX XXXX issue payment for the amount of {$6500.00} and XXXX amount was {$2100.00} payment in full by XXXX, my ex- husband XXXX XXXX took the checks for his own personal use which he admitted taking the money, I had giving all divorce documentation to both doctor 's court order on XX/XX/2017 my ex-husband shall be solely responsible for repayment of both of these debts and shall indemnify and hold me harmless with regards to this debt I forwards this papers to XXXX XXXX XXXX, I tried to purchase a house and I cant because I'm in collection in the 3 bureau and my credit it getting damage because of this. Please  see attached proof from the lawyers and court.
Complaint sub-issue: Personal information incorrect

Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, SC XXXX
Complaint sub-issue: Debt was result of identity theft

I just ran my credit report for the first time last year and this is how I made the discovery that my identity had been compromised. I have filed a police report with the XXXX police department. You can contact the XXXX police department for verification. I have never lived at the address the creditors have listed on file nor was I living in XXXX al at the time of service.. 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) collections department {$400.00} date opened : XX/XX/2017 account XXXX
Complaint sub-issue: Talked to a third-party about your debt

I answered my phone, was asked my name and then read off my address to verify. It is illegal for a company to give out personal information like that, they are required to have my verify the information.
Complaint sub-issue: Billing problem

I have talked to regional Acceptance many times during my loan. 
I started paying on my vehicle XXXX XXXX XXXX in XX/XX/XXXX. My loan matured in XX/XX/XXXX. They are still saying I owe XXXX on the loan. I know that I may owe a little but it doesn't make sense to owe XXXX. It is like I never paid anything. 
I feel I am being taken advantage of. I'm not sure if this has happened to anyone else.
Complaint sub-issue: Cashing a check

This is related to the case : XXXX My U.S bank account was closed by the bank on XX/XX/2017 and there was an amount of {$170.00} balance left on the account during the closure. The U.S bank issued a cashier 's check on my name but sent it to my old address ( not sure why ). In the past three years, I called numerous times and also visited their bank at least four times to cancel the previously issued check and issue a new check to my current address but nothing worked. I logged a compliant ( case # XXXX ) regarding the same. They contacted and sent me a letter asking me to visit the branch with that letter to cancel and issue a new check. I did as they instructed but still, I did not receive the check.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has not removed 30 day late due to national disaster XXXX XXXX XXXX has stated on credit report due to national disaster XXXX Equifax XXXX  XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX XXXX ( XXXX ) entered into an agreement with me in XXXX XXXX to provide bundled package of cable television, internet, and phone for a fixed price that would not change for 2 years. A few months later in XXXX, they added a monthly charge of {$4.00} for internet modem, which I refused to pay because this was included in the fixed price locked for 2 years. XXXX continued to bill for this service. I always paid the originally agreed monthly fee on time, but refused to pay the {$4.00} surcharge that was outside our agreement. As XXXX continued to bill this surcharge despite numerous call to them, I terminated their service. XXXX claims that I owed them {$8.00} in unpaid surcharge and an additional {$67.00} for not paying the {$8.00} on time. In XXXX XXXX, I received a letter from XXXX. XXXX XXXX, a collection agency based in XXXX XXXX, XXXX, stating they were representing XXXX. I sent an explanation to them that I did not owe the amount of {$75.00} to XXXX. This collection agency closed the case after receiving my explanation. In XXXX, I received a letter from a second collection agency, XXXX XXXX, based in XXXX, XXXX. Again, I sent them an explanation that I did not owe the disputed amount to XXXX. In the mean time, I noticed that my consumer credit report showed negative information that I owed {$75.00} to XXXX. I disputed this information. Subsequently, XXXX XXXX closed the case and sent communications to all major credit bureaus to remove the negative information. On the XXXX XXXX, XXXX, I received a collection notice from a THIRD collection agency by name, EOS CCA, based in XXXX, XXXX. Again, I sent my written explanation immediately on XXXX XXXX, XXXX stating that I did not owe the amount of {$75.00} to XXXX. I did not provide my phone numbers to EOS CCA. However, EOS CCA has been calling my office phone XXXX a day for the past 7 days, apparently obtaining my work phone number via internet search. I have not received a written reply from EOS CCA. Instead, they keep harassing me via XXXX a day phone calls to my work phone number. This practice is HARASSMENT.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem accessing account

Trying to connect to other financial apps but get denied access although I authorize them
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor did I authorize these companies to run my credit. Please remove the
Complaint sub-issue: Other problem getting your report or credit score

RECENTLY APPLIED FOR AUTO INSURANCE WITH XXXX XXXX AND WAS INFORMED THAT EQUIFAX AND XXXX HAVE PLACED A SECURITY FREEZE ON MY CREDIT FILES WITHOUT PERMISSION SINCE XX/XX/2015, THEY ARE TRYING TO COVER UP FROM SECURITY BREACHES OF THE PAST! THEY BOTH ARE AWARE OF BREAKING THE F.C.R.A. U.S.C. 15 Section 1681g and the DODD FRANK ACT.