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

US Bank is saying that I have a credit card with them and I donot I try o get US Bank to fixed his but thy will not.this is on my creidit report and I want this to be removed ASAp. this is no my card.US bank saying it have been open for six months. never been use
Complaint sub-issue: Didn't receive terms that were advertised

US Bank had a promotion where one would open a checking account, complete some requirements, then a {$200.00} bonus would be deposited into that account. 

I have read over their terms, opened one of the listed checking accounts, entered the promo code, and completed the 2x billpay requirement, yet the bonus has not been deposited into my account. The terms stipulated that the bonus would be deposited within 60 days of my meeting the requirement. 60 days have passed and no bonus. 

I emailed their customer support and they confirmed for me that I did indeed meet the requirements for the bonus on XX/XX/17. When the bonus was not credited on that day, I waited longer til XX/XX/17 before emailing their support again. They said they would forward that info along but no progress have been made.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX, I went online to order my free annual credit reports from all 3 reporting agencies, Equifax, XXXX  and XXXX XXXX at XXXX. I was able to print out the reports from all 3 agencies. However, on XX/XX/XXXX, I went online again, as I have done every year, to XXXX to get my reports. I was successful with getting my reports only from XXXX  and XXXX. When I put in all my personal information to see my Equifax report, the response I received was " BASED ON THE INFORMATION PROVIDED, WE ARE UNABLE TO VERIFY YOUR IDENTITY. '' This is the first time I ever had a problem with ANY credit reporting agency, including Equifax. My personal information has been the same for many years, and I can see no logical reason for Equifax 's response. I called Equifax at XXXX but was never able to reach a LIVE person, only their automated service. I would be interested if others are having this same issue with Equifax.
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account status incorrect

15 U.S.C 1681 section 602 A. Statesl 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 infornmation, 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. 




I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still have received anything back. 
According to 15 USC 1681i ( @ XXXX ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 
This a violation of my rights.
Complaint sub-issue: Their investigation did not fix an error on your report

The below credit bureaus have been reporting incorrect information about my credit worthiness to lenders. 

XXXX  XXXX  Equifax On the following accounts XXXX XXXX XXXX XXXX XXXX These companies have been reporting negative payment history, which I have disputed several times due to information being inaccurate. And the credit bureaus have fail to investigate and remove them From my credit reports.
Complaint sub-issue: Personal information incorrect

I SUBMITTED A DISPUTE TO EQUIFAX AND THEY SENT RESULTS STATING THAT THE ADDRESSES WAS DELETED HOWEVER IN THE SAME DOCUMENT THEY SHOW THAT THE ADDRESS IS STILL ON MY FILE. NOT SURE IF THEY HAVE MIXED MY CREDIT FILE WITH SOMEONE ELSE BUT THOSE ADDRESSES ARE NOT MINES. HOW COME THEY SAY ITS DELETED BUT STILL HAVE IT IN MY CREDIT FILE. IF YOU LOOK AT MY ONLINE SYSTEM IT SHOWS COMPLETED XX/XX/XXXX BUT IT STILL HAS THE SAME ADDRESSES ON MY FILE.
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 {$0.00}.

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 ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My Information was ran by these companies without written consent. I have listed the companies below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NA XXXX XXXX XXXX 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
Complaint sub-issue: Information belongs to someone else

My identity has been compromised cc where open without my consent
Complaint sub-issue: Indicated committed crime not paying

I 've been paying on this student loan ( private ) that had gone into collections for almost two years. While working with a credit repair agancey they told me that the $ XXXX that I owed and had been paying on was not being reported to my credit report and would remain in collections until I paid in full or settled. Also their interest rate was 4 % on the loan amount per day! so only half of my monthly payment was going toward the loan. I find that it 's totally illegal to hold someone hostage like this with such a huge amount ESPECIALLY when they are paying on time and have been.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Information belongs to someone else

FEW ACCOUNTS IS NOT EVEN BELONG TO ME, AND IT STILL SHOWING TO MY CREDIT HISTORY AND THOSE ACCOUNT ARE DAMAGING MY FINANCIAL LIFE
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are XXXX ( XXXX ) inquiries appearing on my Equifax Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with Equifax and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.
Complaint sub-issue: Deposits and withdrawals

I have checked my account balance online on my app and it has a different amount than what is posted on the app called XXXX. This happen today XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED A FEW INACCURATE ITEMS ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Debt is not yours

XXXX, XXXXXXXX XXXX XXXX  # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX AMERIFINANCIAL SOLUTIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District oXXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Frequent or repeated calls

In   XXXX   I went to the hospital near where I live in  XXXX  Connecticut I sat there for two hours they did nothing for me I left that hospital proceeded to go to another hospital where I actually receive treatment they claim I owe them {$85.00} for taking my name I am not going to pay it I am getting harassing calls all day long every single day the phone numbers come up with different names different states today 's came up as  XXXX   XXXX  I 've repeatedly told him I will not be paying this and they continue to harass me everyday everyday
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize the following companies to do inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

I have no knowledge of these inquiries. 
These inquiries were done without my knowledge. 
This if fraud.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Account with Best Buy Has violated my rights. 

15 U.S.C 1681 section 602 states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B states A creditor may not treat a payment on a credit card under an open end credit plan late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested that Equifax through the FCRA send me documents bearing my signature that lets me know that what they are reporting is accurate, THEY NEVER SENT this information that I requested, instead they continue to send letter avoiding my requests. I also requested through the FCRA that they send to me the method of verification that they used, my letter was plain and simple I as that they please supply me with the description of procedures they used in determining the accuracy and completeness of the information, the name of their employee who verified the information, and the name of the person you spoke to at the creditors location, their telephone number, address and the CONTRACT WITH MY SIGNATURE. 

Equifax refused to supply me my request and sent the attached response. I have sent over several letter to them requesting this information because THIS IS WITHIN MY RIGHTS AND IT IS IN ACCORDANCE WITH THE FCRA. 

I NOW WANT TO GO TO THE NEWS MEDIA TO SHOW ALL THE LETTERS AND COMPLAINTS THAT I HAVE SENT AND HAVE NOT RECEIVED ANY JUSTICE. 

THEY ARE IN CLEAR VIOLATION OF THE LAW AND MUST BE HELP ACCOUNTABLE FOR NOT ABIDING BY THE LAWS, AND AS A GOVERNING BODY THE CONSUMER FINANCE PROCTION AGENCY NEEDS TO HOLD THEM ACCOUNTABLE, THIS IS WHY YOU WERE ESTABILSHIED
Complaint sub-issue: Account information incorrect

There has never been any missed payments on my credit. XXXX had a system glitch and didnt process a payment. My credit went from XXXX to XXXX and i nor my mother XXXX XXXX has ever missed a payment
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing this due to non-compliance with the Credit Reporting Agencies ( XXXX, XXXX, and Equifax. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Account status incorrect

Correct account status for XXXX XXXX XXXX loan is in good standing and current since XX/XX/2014. This account is not a charge off nor associated with open bankruptcy. XXXX XXXX has confirmed they are not updating an adverse or negative status to any of the 3 credit bureaus.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX ... XXXXXXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/21 I sent a letter to LexisNexis challenging the validity of an alleged Bankruptcy they have listed on my report. The Credit Bureaus are claiming the item was verified with LexisNexis. Additionally, I went to the Courthouse, and they stated they did not verify this information with LexisNexis. I requested whatever documents LexisNexis had to verify this alleged Bankruptcy immediately. When I received no response from LexisNexis I went to the Court and requested a letter confirming they did not verify the disputed item with LexisNexis. I received a letter from the Court dated XX/XX/21. I wrote LexisNexis again and attached a copy of the letter from the Court. At this point, today is XX/XX/21 and LexisNexis has failed to respond to my original letter dated XX/XX/21 or any of my subsequent communication dated XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. If LexisNexis can not reveal how they truly verified this item then it needs to be deleted per the FCRA. I've taken the appropriate steps to address this item and LexisNexis is ignoring my Consumer Rights as outlined in the FCRA.
Complaint sub-issue: Information belongs to someone else

I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY IDENTITY HAS BEEN STOLEN AND THESE ACCOUNTS ARE FRAUDLENT. ALONG WITH THE INQUIRIES, I HAVE NEVER APPLIED FOR CREDIT WITH ANY OF THESE COMPANIES. HOW COULD SOMEONE USE MY INFORMATION AND IT REPORTS ON MY CREDIT WITHOUT MY CONSENT?
Complaint sub-issue: Fraudulent loan

My complaint is for XXXX  and XXXX  for removing the closed account Ally Financial account # XXXX and adding it back on my credit profile.
Complaint sub-issue: Information belongs to someone else

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : - ; XXXX XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is not updating my name and address in my file. I have sent them the requested information three times. They can not find my file. My name and address is incorrect in the Equifax records. When I applied for a mortgage refinance, Equifax told the mortgage company that they had 3 files under my social security  number and they could not release information without fixing this. I called them on XX/XX/20. They told me to fax a request that they correct this by deleting the 2 incorrect files and updating the correct file and to send a copy of my social security card. I sent a the copy and letter as requested on XX/XX/20. On XX/XX/20, when I called to check on the status, they stated they never received it. I sent it a second time on XX/XX/20. On XX/XX/20, when I called to check on the status, they told me that they could not find my file. After transferring me to a different department, they found it and told me they could not update it without a copy of my drivers license. I sent it and a letter requesting that they update my file on XX/XX/20. On XX/XX/20, I received a letter from them saying they couldn't find a file for me because I didn't have a current file or I have not applied for credit recently or I have not actively used credit in the past 10 years. I have had a mortgage for the past 13 years and mortgages prior to that. I have credit cards that I use regularly. I just applied for credit in the past month. On XX/XX/20, when I called to check on the status, they said they couldn't identify me and that they had a document from me but needed a copy of my social security card, drivers license, and a letter requesting an update of my complete information stating my name, address, and phone number. And to request a copy of my current credit report. I sent the requested information on XX/XX/20. Each time I contact them, they can't find my file. Then they find it. Then they tell me I need to send them something additional.
Complaint sub-issue: Their investigation did not fix an error on your report

ENHANCED RECOVERY COMPAN Reported : XXXX. XXXX, 2020 {$1000.00} Needs Attention ENHANCED RECOVERY COMPAN Reported : XXXX. XXXX, 2020 {$690.00} To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. There are no contracts, no valid claim ... accounts were settled with original creditor.

Grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation