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

On XX/XX/XXXX I submitted a dispute investigation to Equifax about some fraudulent inquiries that I came across on my credit report. The inquiries in question I did not authorize and have no knowledge of them. Equifax failed to investigate my dispute and closed my dispute case the next day on XX/XX/XXXX stating the inquiries are factual. The confirmation number is : XXXX. 
Inquiries : -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following companies did not have my permission to run my credit and Equifax failed to provide a proper investigation and documents providing I authorized these inquiries. I have submitted a copy of my DL, proof of address, and social. However Equifax is not saying it needs to do a 30 day investigation. I have tried to explain to them it was fraud and i have supplied the docs they asked for.
Complaint sub-issue: Billing problem

On XX/XX/XXXX my car was repossed by Ally Finance, I wanted my car back so on Monday XX/XX/XXXX I called redemption department to find out what I needed to do. I was behind 2 months and late charges. They told me how much I needed to pay to get it back, that was {$1800.00}. I did what I needed to do, borrowed the money paid by XXXX XXXX on XX/XX/XXXX. They received the money and everything was released on XX/XX/XXXX. I asked about making the XX/XX/XXXX payment, which was due on XX/XX/XXXX. The gentleman told me to send it by XX/XX/XXXX and send with XXXX XXXX or XXXX XXXX so they would get it on time. I sent {$350.00} by XXXX on XX/XX/XXXX for same day delivery. The following week I started to get rude phone calls about not paying the XX/XX/XXXX payment. I explained I had paid and gave them the reference number from XXXX but they could not find it. I called the redemption department again, asked about the XX/XX/XXXX payment was told yes they received but could not understand why it had n't been posted, this was XX/XX/XXXX. I now have a late charge of {$17.00}. 
Spoke with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX in redemption, both found payment and sent to escalation to be posted. Still getting phone calls and being told I did not make the payment plus a late fee. They even asked if I wanted to make a payment arraingement. Ally told me I should have paid on online or called the payment in but they had shut down my online account and at the time the {$1800.00} had n't posted. It posted on XX/XX/XXXX. I then started calling XXXX, XX/XX/XXXX, to check on transfer. XXXX saw where Ally received the payment, could not understand what they did with it. Was transferred to the problem dept where they checked for correct account number, my name, where it went, and the receiving code, everything was correct. XXXX with XXXX, was going to contact Ally about why they did not post to my account and to call back in about 5 days. XX/XX/XXXX, called XXXX was told retransferred the money to Ally and saw they received it again. Called Ally, spoke to XXXX, still cant see it, then was told the reference number she had was an incorrect number and that the XXXX agent gave me wrong number. The number was computer printed with all my info listed and XXXX can find it, so did Ally redemption dept. I called XXXX again, spoke with XXXX who checked all my info again and said that it was all correct. He was going to email Ally again to get this cleared up. 
On XX/XX/XXXX I made XX/XX/XXXX payment but it was applied to XX/XX/XXXX so I am still behind and now have another late payment. 
At this time I have 2 late fees of {$17.00} and still 1 month behind.
Complaint sub-issue: Account status incorrect

Sallie Mae made an agreement through their legal representation to discharge a loan in XX/XX/2018. It was filed in a court of law. Since then, the report on my credit has been reported as a delinquent charge off which I have attempted to dispute and correct with Sallie Mae and the credit reporting agencies. It was previously updated correctly and recently began reporting again as a Chargeoff that is derogatory. This is unacceptable.
Complaint sub-issue: Other problem getting your report or credit score

I received an adverse action notice from XXXX on XX/XX/22. 

I made a several phone calls to LexisNexis in an attempt to obtain a free copy of my consumer report. 

First Call - Disconnected Second Call - Disconnected as well Third Call - Rep says my identify can't be verified. Gave me a strange website to use I did not trust.
Complaint sub-issue: Transaction was not authorized

On Sunday, XX/XX/2019 I discovered that {$1100.00} was automatically deducted by Square from my XXXX XXXX account. No advanced notice or warning was given to me about a possible deduction.

I called Square on Monday, XX/XX/XXXX and the representative ( XXXX ) informed me that an email was sent to me on XX/XX/XXXX ( by XXXX ) saying that it was because of a negative balance and because of a payment dispute. He forwarded me the original email that was sent to me by XXXX, however, this email did not state any information on which account and no info on a dispute and who did a dispute. I was very surprised and explained to the representative that I do not have any payment disputes listed within my account and he stated that it was because of another account. I also explained that I did not see any payment dispute in my other account. He informed me that he could not give me any other information and I would be required to just wait for an email from square. 

The next day, I called again on XX/XX/XXXX and spoke to another representative and wanted to find out information of why this amount was deducted. This representative was also not able to provide me with any information and stated that I should wait for an email from Square. 

On XX/XX/XXXX I received an email from Square Recovery stating Weve confirmed that the account XXXX 's XXXX XXXX associated with XXXX is connected to XXXX XXXX XXXX XXXX. 

At this point I still do not know why this amount was deducted and they have not responded with any information on any payment disputes. I do have 2 accounts and in both accounts I do not have any payment disputes listed, nor did they offer me any other information or breakdown of why this amount was deducted. They also stated that this investigation is closed. 

I also want to state that in my whole time being with Square ( approximately 8 years ), I only had 2 disputes and those were ruled in my favor and after those disputes I never received any other disputes so I do not know what they are talking about. I would like to state further that most of my transactions range in the amount of {$50.00} - {$70.00} for each client so it would be impossible to have a payment dispute of {$1100.00}. I should have the legal right to know what this dispute is all about so that I could respond with an appropriate answer, or that I can further investigate, however, Square refuses to provide me with any information of why they illegally deduct money from my business account.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity Theft. Someone got hold to my person information and Social security number. I believe it happened during the Equifax data breach or the XXXX  data Breach i am not sure. I sent XXXX  and Equifax a FTC report, report number XXXX regrading a fraudulent XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX reporting on my XXXX  and Equifax consumer report. I have no knowledge of this account. I did not open up this account. XXXX  and Equifax refused to block the account as stated under the FCRA section 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. XXXX  and Equifax stated the account was verified, and declined to block this account. I am the consumer and i am the only person that can verify an account. No one else can verify an account that's in my name. So I need this account removed immediately. If XXXX  and Equifax refuses to block this account, I want to know how this fraudulent account was verified, what method of verification was use, who verified that this information was accurate. XXXX  and Equifax has not sent me any of that information as they should under 609 of the FCRA, but yet they are furnishing and reporting a fraudulent account to third parties. Also, as a consumer I have a right to privacy under the FCRA. Section 602 " Congressional findings and statement of purpose '' [ 15 U.S.C. 1681 ] ( 4 ) states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX  and Equifax is violating my right to privacy plus they are furnishing an inaccurate consumer report.
Complaint sub-issue: Debt is not yours

These are not my accounts. 

XXXX/TOTAL CRD # XXXX XXXX/TOTAL CRD # XXXX Please provide method of verification and validation of debt.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Account XXXX DPT EDXXXX ACCOUNT XXXX Account XXXX ACCOUNT XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 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: Debt is not yours

Received several phone calls and voice messages from " AmeriCollect '' for a debt I had no knowledge of. When I called on XX/XX/2022 and asked for more information about the debt, they said they would send me a letter with details in 7-10 business days. Never received a letter, kept receiving calls about the debt. When I called and asked again on XX/XX/2022 for more details, received the same answer about the letter and the mail and was then told I needed to pay either the full or partial payment. Each time no information was given about the debt, besides it was for an emergency room visit for a hospital I have no knowledge of for the cost of {$530.00}.
Complaint sub-issue: Account information incorrect

Equifax is reporting a payment was past which it was not please see payment history attached and please correct this inaccurate remark Account showing XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXnotifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX, Bloomingdales, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

I reached out to ERC about my account in the amount of about {$1400.00} for an old phone bill I had for someone. I attempted to get a written payment arrangement so I could try to settle this account. The gentleman refused to give me a written payment arrangement and told me to contact them when I have money which was very unprofessional. He said that his company doesn't do payment arrangements.
Complaint sub-issue: Debt is not yours

HUNTER WARFIELD XXXX APARTMENTS MANAGEMENT FAILED TO CORRECT A SEVERE RODENT RAT INFESTATION. I HAVE PICTURES AND EMAILS AS PROOF THAT I GAVE THEM SEVERAL MONTHS TO REMEDY THE SITUATION BEFORE MOVING. IT WAS LEGAL FOR ME TO WITHHOLD THE RENT AND MOVE WHEN MANAGEMENT FAILED TO SOLVE THE PROBLEM. THE COLLECTION AMOUNT FOR XXXX SHOULD BE REMOVED FROM MY CREDIT REPORT.
Complaint sub-issue: Problem accessing account

I just want to be able to invest my money into certain companies and because PNC has issues or something with them ( XXXX XXXX XXXX  XXXX ) and they won't allow me to connect my accounts. Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX credit card 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 an 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: Personal information incorrect

The [ cra ] is reporting my name incorrectly. The name the credit reporting agency is reporting is the XXXX XXXX XXXX name which is registered with the Commonwealth of Pennsylvania, However I XXXX, XXXX XXXX am the owner of that Trust account. 

Please correct your records to reflect my correct name I am a natural man [ XXXX, XXXX XXXX ] owner, and Interest holder. Attached i have provided document proof of my claim. 
I do not posess a " last name '' or " first name '' -- It is disrespectful to my ancestors to refer to them as as Last! 
Please do not ever disrespect my family, and update your records. 

15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Banking errors

Today, XX/XX/XXXX, my sister in law called US Bank in regard to a letter she received from them. The letter was asking about transactions on a certain account. When she called, she spoke to a banker who asked her a series of questions regarding ownership of an account. She affirmed that she has an account with my wife, which is a savings account that is being held in trust. The original owner was my mother in law who passed away on XX/XX/XXXX. She was then asked to verify deposits in various amounts, but those deposits did not coincide with any accounts she holds with my wife. Those deposits coincided with an account that my wife and I hold. After her phone call with the banker, my sister in law called my wife and I to notify us of the conversation she had. I had received a phone call on XX/XX/XXXX from the XXXX XXXX XXXX asking me to verify some transactions on my savings account ( for the record, this conversation with the bank regarding my account activity was totally appropriate ). I do not know how my account & my wife 's information had been cross-referenced. But what is more disturbing is that this banker shared private information on my account with someone who is not on that account as a signer. This banker shared balance & deposit information to an unauthorized individual. I feel this is a serious violation and this needs to be remedied.
Complaint sub-issue: Reporting company used your report improperly

This account is being reported incorrectly, there were never any late payments on these accounts. 


XXXX XXXX XXXX  ( Reported Late : XX/XX/2022 )
Complaint sub-issue: Information belongs to someone else

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not usually check my credit but i was at shocked when i saw that there was a few fraudulent accounts open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached my drivers license and Social along with the ftc report.
Complaint sub-issue: Other problem getting your report or credit score

My credit score from Equifax and XXXX, as reported to me via XXXX XXXX and XXXX XXXX XXXX XXXXXXXX is XXXX Excellent, however, when I recently applied for a mortgage re-finance, the mortgage broker, XXXX XXXX XXXX, received a credit score from Equifax of XXXX. I contacted Equifax and complained, but they stated that the mortgage broker likely used one of their other credit models that was different from the credit model used to provide my credit score to the XXXX XXXX and XXXX services. Using a credit score of XXXX is, obviously, going to result in my having to pay a much higher interest rate on my mortgage re-finance than a credit score of XXXX. A credit reporting company should not be allowed to issue different credit scores like this!
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX being reported 30-59 days late as of XXXX XXXX,2018. According to XXXX they have not updated report and when this was placed on the report by Equifax it was a weekend.
Complaint sub-issue: Account information incorrect

Greetings, My name is XXXX XXXX, This complaint is in regards to the practices and credit algorithms implied by Equifax Credit Reporting Agency. I have been diligently working to improve my credit worthiness over the past 2 years. I have been monitoring my credit scores and activity through all 3 credit bureaus reporting agencies. 

On XX/XX/2020 my Equifax credit scores was XXXX. During that time I was recommended to dispute derogatory and closed account information. Also I made improvements of paying off 5-6 collections XXXX XXXX XXXX XXXX XXXX XXXX, which the company removed the collections from my credit report after payment. Equifax did not increase my score based of this change. The other reporting agencies increase my score ( XXXX and XXXX ). 

During XXXX, I also improved my credit utilization from 25 % to 0 % and removed 1 derogatory / closed account from XXXX XXXX in Michigan. I was anticipating a credit increase, However, unknown and without case, Equifax decreased my score on XX/XX/2020 from XXXX to XXXX ( 35 pt decrease ). I contacted Equifax with intent to gain a understand and to be given a legitimate reasoning to why my score dropped. They were unable to provide cause to why my score decreased. I have expectational payment history and low utilization. Normally, a removal of a closed/derogatory account would be consider a positive action, unfortunately is resulted a negative output. 

I'm concerned that the Equifax is using unfair algorithms and credit practices to determine consumer credit worthiness. In comparison to My fianc Equifax credit report ; he has no credit history ; with 5-6 collections and his score is XXXX. 

I'm extremely frustrated that Equifax was unable to provide reason to the negative change in my credit worthiness. 

Your support and direction is greatly appreciated.
Complaint sub-issue: Information belongs to someone else

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX  XXXX {$60.00} XXXX XXXX XXXX  XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX  XXXX {$500.00}
Complaint sub-issue: Account status incorrect

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS TWO LATE PAYMENTS ON MY XXXX XXXX AUTO LOAN ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I called XXXX XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law. 
There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. please handle accordingly.
Complaint sub-issue: Information that should be on the report is missing

The cbc Innovis have refused to provide all personal reporting that has been done on me. I have contacted the beaua a total of 7 times. Each time I call they say that i must call back even within business hours. It unfair to hold information that bring me to a stand still in life. No fairness to all.