Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB complaint in hopes that the fraudulent accounts and information being reported on my Credit File be removed as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$980.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1400.00} XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. If you believe that the disputed items belong to me, please send me copies of proof of verification or ownership. In the absence of these documents, immediate removal of these fraud accounts will be immediately removed.
Complaint sub-issue: Information belongs to someone else

I try to report account open fraudulently in my credit report on Equifax and I send the Identity theft report, and they still reporter. I ask for the method of investigation they use and they don't comply. They violated my right.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX XXXX and hoping that these XXXX XXXX Balance XXXX {$500.00} and XXXX XXXX Balance : {$0.00} Late payment will be updated.
Complaint sub-issue: Public record

This public record should not be reporting on my credit file! This is an error and I disputed this inaccurate account with Equifax over 60 days ago and never received a response. However, this erroneous public record is still reporting on my credit file after all this time.
Complaint sub-issue: Their investigation did not fix an error on your report

spoken with equifax, XXXX, and XXXX on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others.
Complaint sub-issue: Account status incorrect

Please accept this letter as my dispute of late payments reported by Nelnet. I have had consolidated student loans with Nelnet since XXXX, XXXX. I have attached my payment history. ( See Exhibit 1, payment history ) Since that time I have made one payment to Nelnet for what I believed to be a consolidated loan. Each statement from Nelnet indicates one account and the balance. ( See Exhibit 2, Statement ). 
As you can see I paid for more than 18 years on a timely basis. In XXXX, I took advantage of a forbearance available due to the pandemic. I misunderstood when the payments would begin to become due again, and was late on payments in XXXX, XXXX and XX/XX/XXXX. As soon as I became aware of the late payments, I immediately begin the automatic payments I had paid for the 18 years prior. I have asked Nelnet multiple times to consider a good will deletion of the late payments and they have refused. 
Nelnet has inaccurately reported the type of loan and account number of this consolidated loan as two individual loans with different loan account numbers than what appears on my statement. This has created a decrease of over 87 points to my credit score. I have suffered damages that exceed over {$30000.00} a year, as my husband and I were not able to refinance our home when interest rates where favorable because of the inaccurate reporting. I believe Nelnets reporting to be incorrect and in violation of the FCRPA, as the late payments should have been reported as one account as stated on their monthly statements to me. In addition, the scheduled payment of {$220.00} is incorrect as well. 
I would appreciate it if you would investigate this matter and delete or correct the disputed items as soon as possible.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been nearly 60 days, and as of today I still have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Again, it has been nearly 60 days, so I demand they be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and hindrance this has placed on my daily livelihood. My information was likely impacted by the Equifax data breach and may have gotten into the hands of the wrong person ( s ).
Complaint sub-issue: Information belongs to someone else

Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by XXXX on EQUIFAX. These accounts and inquiries are unauthorized and fraudulent and requesting immediate deletion/removal of both inquiries and accounts.
Complaint sub-issue: Reporting company used your report improperly

Without written permission from me the following companies pull mine credit reports and place hard inquiries on my 3-reporting credit bureau accounts . 
US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , A ND  XXXX   XXXX   XXXX   ) THE C REDIT BUREAUS GAVE ME NO VERIFYING PROOF. TH ESE TWO ACCOUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN  MY NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATION  XXXX  OF  2015.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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: Information belongs to someone else

I recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called XXXX, XXXX  and equifax to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Acct # 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: Public record information inaccurate

We had a mortgage and came upon financial hard times ( bankruptcy ). We tried several options with the mortgage company. We settled upon a deed in lieu. The mortgage company is reporting to credit bureaus as a foreclosure.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This creditor XXXX XXXX did the inquiry on my credit without my knowledge.
Complaint sub-issue: Problem with fees

I have a credit card account with USBank due on XX/XX/XXXX, On the due date I paid the account online ( see attached confirmation of the payment ) but USBank posted the payment the following day XX/XX/XXXX and accessed a {$29.00} late fee which I thought was outrageous, I send an email on XX/XX/XXXX and ask why I got accessed a late fee where I paid the account on the due date, I was told the payment was late I called the customer service again the following day asking for an explanation and I was told that the reason I was late is because the payment was made on XX/XX/XXXX at XXXX XXXX and the cut off time is XXXX CST. This is so unfair and unacceptable, If the due date is XX/XX/XXXX, the payment should be good up to XXXX XXXX. I have requested for a refund but USBank refused. This practice is outrageous, unacceptable and unfair This late payment will be reported to the credit reporting agency and will affect my credit, this payment was not late
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX TX XXXX appears on my credit report. I have never lived at this address. This a fraudulent address that needs to be removed immediately!
Complaint sub-issue: Personal information incorrect

My father and I have the same first name, middle initial, and last name. We've lived at the same addresses as well. He just moved, and now my credit shows his new address as mine. This isn't correct, and I want it changed back to my correct address please. I dont need any more mix ups just because we share the same name. I just went through a garnishment because of him, and i dont want any of his things negatively affecting my credit that uve worked on for years now to get in good shape.
Complaint sub-issue: Account status incorrect

i been a victim of inquiry issue and want the following inquries removed
Complaint sub-issue: Investigation took more than 30 days

I as of late sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Department. The explanation I'm documenting this objection against them is that Government Law expects them to react inside 30 days yet they have neglected to react
Complaint sub-issue: Old information reappears or never goes away

Equifax violated my rights by reinserting recently deleted fraudulent account on my credit report without notifying me within five business days. 

1. XXXX XXXX Account # : XXXXXXXX Balance :  {$2400.00} Date Opened : XX/XX/2019 2. XXXX XXXX XXXX  Balance : {$5200.00} 3. XXXX XXXX XXXX  Balance : {$1.00} Fraudulent Inquiries : 1. XXXX/XXXX | Date of Inquiry : XX/XX/2019 2.  XXXX/XXXX  | Date of Inquiry : XX/XX/2019
Complaint sub-issue: Account status

Hello- I have previously disputed this item with Equifax XXXX We were the victims of XXXX Mortgage servicing and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account now ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX 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: Information belongs to someone else

I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. Hunter Warfield INC IS NOT MY ACCOUNT
Complaint sub-issue: Their investigation did not fix an error on your report

Once again, there is activity that is INCORRECT being reported by XXXX XXXX, XXXX regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, XXXX XXXX, XXXX. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at XXXX XXXX, XXXX. 
I have personally met with my personal bank and have attached all checks that were cashed per month by XXXX XXXX, XXXX. I have also attached the payment history showing all payments that were paid to XXXX XXXX, XXXX since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at XXXX XXXX, XXXX is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at XXXX XXXX, XXXX is still removing payments that were prior on my credit report such as XXXX 2017 payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. XXXX XXXX, XXXX has literally changed my credit report information on more than five occasions since XXXX XXXX, 2017. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, XXXX XXXX, XXXX. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. XXXX XXXX if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. XXXX XXXX, XXXX has a responsibility to report it correctly. Someone at XXXX XXXX, XXXX has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current XXXX XXXX XXXX payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with Equifax this morning. It is someone at XXXX XXXX, XXXX submitting the incorrect information. XXXX XXXX XXXX needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX
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 buying my dream house. The account listed below isn'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. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  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: Investigation took more than 30 days

My XXXX XXXX XXXX XXXX XXXX is reporting that I have late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I never was actually late. This is a documentation error on their end. I even was emailed a confirmation from my payments. I've attached proof of payment. I don't want it to report that I was late when I really was. I pay all of my bill on time.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX  XXXX DISCOVERBANK XXXX XX/XX/22 RE. We have disputed this account.
Complaint sub-issue: Was not notified of investigation status or results

Honestly this is the last time im going to resolve this issue with you guys before I follow suit with my lawyer. I have submitted a complaint back in XXXX because I did not get a response from XXXX equifax or XXXX  since XXXX and NOTHING was resolved. They claimed the responded to the complaint and investigate and LIED. They falsy validated these accounts attached because it is still reporting different dates across all three credit bureaus. They did not sent me anything to validate the accounts. I ran out of patience and tried everything to not bring this to my lawyer since I gave them 5 months. I submitted a complaint and nothing updated. Please look into what these credit bureaus are doing because they are clearly violating my rights as a consumer and going against FCRA. I need these accounts deleted because they did not properly validate ANYTHING reporting different information to each credit bureau. 

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumers eligibility for 15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, pr other entity. 

All of the companies listed below are CORPORATIONS as defined by congress as a person. 

Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW!! You are in direct breach of the federal laws put in place to protect the consumer.
Complaint sub-issue: Was not notified of investigation status or results

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/ 2019 while shopping at XXXX 's I was offered a new credit card application by a store associate. She said that if I applied and was approved I would get 20 % all of my purchases that day, including shopping online, regardless of the item and that there was no limit to the purchases. She said I would not see the 20 % discounts on my receipts but would see them on my statement. So I applied and received the credit card. I was only given a printout that served as a temporary card for that day. It did not have the terms of the card on it. I purchased a number of items and then went home and was dismayed to find that there was no credit card number on the paper given so could not purchase more from home. 
However, when I got the statement I saw that the item I purchased when the credit card was specifically offered to me did not have a 20 % discount but instead only a {$17.00} discount on a {$290.00} item ( {$320.00} with tax ). The other items had the 20 % discount applied. I called XXXX XXXX Customer Service and asked about this and they said there is a {$100.00} limit on the discount. I was not told this and in fact I am confused because the discounts for that day actually add up to {$100.00}. So something is wrong and I was given false information and false promises in order to get me to apply for the card.
Complaint sub-issue: Trouble getting, activating, or registering a card

never recieved reliacard for unemployment
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XX/XX/2019 I was browsing on XXXX website to shop for a cell phone. They had a simulator which looked for financing options and potential payments. They wrote explicitly in writing, without any disclaimers to hard or soft inquiry, they wrote, doing this would not affect my credit score on XXXX-affecting both my XXXX XXXX and Equifax scores equally However upon checking my credit score, it dropped a significant 40 points with no detail to how or why. On the same day I call XXXX and they said they would email me as they are escalating the issue. i have not received any such communication.