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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus XXXX, XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me.

I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXX XXXX XXXX XXXX, Tx XXXX, never at any other address on my credit report. I have attached a copy of my Bill for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft.
Complaint sub-issue: Problem lowering your monthly payments

XXXX was shut down & all my classes I took meant nothing. They were shut down by the Govt & forced to pay back why do I still owe?
Complaint sub-issue: Didn't receive terms that were advertised

I opened a new checking account with PNC Bank with a coupon. According to the terms, I can get {$300.00} bonus if I fulfill the requirements ( complete XXXX debit card transactions, receive direct deposit totaling XXXX, etc ). I completed the requirements before the deadline however I didn't receive the bonus. I called PNC customer service, although they acknowledge that I should have received it and promised me they would open a ticket to investigate the case, I never heard back from them nor did I receive the bonus. I called them yesterday, the customer agent then told me he couldn't find any case in the system and he couldn't help.
Complaint sub-issue: No notice of investigation status/result

Equifax is pretending that they ca n't read disputes. I find this very destructive to consumers when they use this type of delay tactic. My dispute was CLEAR and PERCISE and you can see for yourselves as I 've attached it. Against my consumer rights they respond with " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING ACCOUNT NAMES, NUMBERS AND THE NATURE OF DISPUTE '' I can assume that they are doing this to other consumers and probably NOT just me and need a FINE to get them working on consumers issues. I clearly stated as you will see by my included letter the items under dispute and was clear about the reason for dispute. This a clear case of not doing a proper NOR 'REASONABLE '' investigation as required by LAW.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9, 10 and 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Personal information incorrect

Hello I recently received a copy of my credit report and I see that you are reporting inaccurate information in the personal information section. To diminish any speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX, De XXXX. Employer : XXXX Please remove any other references to my name, address and employer as they are not mine and I never used them. Also please send me an updated credit report when you have made these changes.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have witness several inquiries on my credit report from XXXX, XXXX, and Equifax that were not created or authorized by myself. I have contacted each reporting bureau on XX/XX/2022 and shared my concerns. I have also placed a freeze on my credit report to stop further fraud opportunities. I was informed from an XXXX to create an FTC report and contact each company. I have contacted each company and all has refused to assist me with deleting these false inquiries. I will list the companies below XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  To, XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

This is my second attempt to resolve this issue, please read document for details
Complaint sub-issue: Their investigation did not fix an error on your report

I had 7 student loans that were initially serviced by XXXX. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. XXXX has responded that they did indeed report the status as Transferred ... however Equifax still has not corrected the STATUS. They added a comment to the Remarks section but Eqiufax did not update the STATUS. 

Below are the XXXX accounts with the wrong status. I've already filed a complaint with XXXX and they stated they reported the status as transferred and that the error is with Equifax. So Equifax needs to fix. 

Below are the XXXX accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My Equifax confirmation number is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been battling these unverified and inaccurate accounts for awhile now and these haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. Please remove the negative accounts right away. 

Also, there are some unauthorized inquiries that I don't recognized.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the fair credit reporting act XXXX  account I C Systems Collections, has violated my rights in Pursuant 15 USC 1681 section 602 A states I have the right to privacy. Also violated is 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/ instruction.
Complaint sub-issue: Company closed your account

Home Depot only allows you to pay them with a routing and account number. They took almost 14days to take a payment I made and it bounced. First issue ever... They closed my account immediately. I've continued making my monthly payments but they haven't reopened my account as they said they would
Complaint sub-issue: Trouble with how payments are being handled

I submitted my first application for the Public Student Loan Forgiveness program in XX/XX/XXXX after having made 5 qualifying payments. I was approved in XX/XX/XXXX though my account did not wholly and accurately reflect these payments. The payments were rescinded in XX/XX/XXXX. I submitted my second application for Public Student Loan Forgiveness in XX/XX/XXXX after having made an additional 12 qualifying payments. I am on an income driven repayment plan with direct debit and was working for a qualifying XXXX providing XXXX services as a XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My case has been pending review since XX/XX/XXXX. It's been over a year. I've sent numerous emails. I've filed complaints. And I'm still waiting for my account to reflect my 17 qualifying PSLF payments.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear XXXX Equifax XXXX I need you to fix this problem below please note that this is factual information taken directly from my credit report and these are blatant inaccuracies I would like for you to send me the DOC that are used in this investigation. 

These are the items I am challenging : XXXX XXXX XXXX Delete account for failure to perform and investigation per FCRA regulations because date of status did not changed and shows XX/XX/XXXX even though I disputed this account on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX is marked 30 days late on XXXX and on time with XXXX. This account is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked 60 days late on XXXX but 30 days late on XXXX. This is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked as 150 days late on Equifax but 120 days late on XXXX. Delete immediately XXXX XXXX XXXX. XX/XX/XXXX is marked 150 days late on XXXX but 129 days late on XXXX. Delete immediately Please expedite
Complaint sub-issue: Their investigation did not fix an error on your report

I sent out a letter to XXXX and Discover on XX/XX/XXXX. My current XXXX credit file is showing a Discover Account # XXXX as a 1 ) Negative payment status, 2 ) Charge Off for XX/XX/XXXX, 3 ) Worst Delinquency as a Charge Off, and 4 ) Late payments since XXXX. 

After speaking with the IRS, they define a charge off as ORDINARY AND TAXABLE INCOME which is reported as such on tax returns. ANY amount over {$600.00} they are required to send a 1099c. INCOME IS NOT REPORTED ON CONSUMER REPORTS. And according to Responsibilities of furnishers of information to consumer reporting agencies, 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. Also from XXXX 's publication on XX/XX/XXXX, they STATE loud and clear that INCOME IS NOT INCLUDED in a consumer report. Discover and XXXX has failed to resolve this issue and continue to report inaccurately in clear violation. Because of reporting inaccurately, this account should be removed from my credit report entirely. 

The status of this account should not be negative or a debt anywhere on the account, or a late payment. Instead, THE STATUS OF THIS ACCOUNT IS INCOME. Which is not included on a consumer report and should be removed immediately. I am attaching the letter sent with certified mail receipt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently spoke with XXXX XXXX from Equifax. I contacted him about the letters I sent in and the police report I filed due to the hard inquiries on my consumer report. He violated my right by using obscene and profane language towards me. 15 USC 1692d. He belittled me and would not help me. I asked for a supervisor but he would not transfer to one. I then get a letter stating that all the inquiries are verified. I am hoping XXXX from Equifax didnt update my consumer report because of the call. He willfully and wrongfully didnt that which is affecting my way of living. I can get a vehicle right now because of this unresolved issue that I have sent certified mail about. I have attached the call voice memo. I also let him know the call is being recorded. All I wanted was those 11 hard inquiries removed from my consumer report.
Complaint sub-issue: Information is not mine

ATTORNEY GENERAL-XXXX Other XXXX XXXX, XXXX Open - 120-149 Days Late {$8000.00} XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 1 Missed Payment {$7600.00} XXXX XXXX XXXX XXXX, XXXX Closed {$5200.00} XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed {$4100.00} XXXX XXXX XXXX Auto XXXX XXXX, XXXX Closed {$3000.00} Equifax XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX, XXXX Closed {$2500.00} XXXX XXXX XXXX Other XXXX XXXX, XXXX Closed 1 Missed Payment {$1400.00} Equifax XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed {$1300.00} Equifax XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 7 Missed Payments {$1000.00}
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Unable to open an account

On or about XXXX XX/XX/2022, I find an offer from Citi regarding savings account - i.e. earn $ XXXX {$300.00} for a new savings account. I followed and tried to open that account but Citi didn't opened my account and it seems rejected it. 

If I am not eligible why Citi is showing that promotion in my profile? It's a shear waste of time and efforts.
Complaint sub-issue: Reporting company used your report improperly

Equifax, in XXXX through XXXX of 2017, breached all of my credit report information to hackers. I am XXXX years old and this will have an impact for the rest of my life. My SSN will NEVER change, my name will NEVER changed. My address may change but that wo n't be hard to find. I 'm going to have to live with this and the potential problems for eternity.
Complaint sub-issue: Information belongs to someone else

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and XXXX.
Complaint sub-issue: Talked to a third party about my debt

XX/XX/XXXX Oxford law llc contacted the father of my x husband and my half brother and disclosed the amount of a debt that they claim that I owe with XXXX XXXX which I do not. They disclosed I owe {$5.00}, XX/XX/XXXX and stated they asked my half brother to help pay if off for me. This debt is not showing on my credit report. The girl that talked to my half brother was trying to get him to pay half of the debt right now over the phone. I requested a letter in writing validating this debt which I have yet to see. They are still calling other people regarding this fake debt trying to find out other information about me such as who my boyfriend is and how they can contact him about getting debt paid. I explained this is illegal and read from the credit consumers Web site and they argued with me that it is not illegal. Then XXXX put a man on the phone and he started yelling at me that they have every right to contact people to collect their money to their office. I hung up after stating I am reporting their company to the attorney general office.
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Reporting company used your report improperly

XXXX Account number # 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 an account without my written instructions
Complaint sub-issue: Debt was paid

I agreed to settle the amount owed with XXXX with their collection agency. The amount I paid was supposed to reflect on my credit report as PAID IN FULL. I disputed this with XXXX and XXXX fails to acknowledge the settlement and update the status on all three credit bureaus : XXXX, XXXX, and XXXX. I want this to be removed from my credit report as agreed upon and will provide supporting documentation for this payment and agreement.
Complaint sub-issue: Problem with personal statement of dispute

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION
Complaint sub-issue: Was not notified of investigation status or results

LexisNexis report says I'm involved in a car accident 's. I requested my consumer report to dispute anything incorrect. LexisNexis refuse to send working PIN number that works. This has cause my car insurance premium to go up extremely high over LexisNexis car report I have no access to. LexisNexis have false car accident 's reports on file I provided the letter with proof on file.
Complaint sub-issue: Information belongs to someone else

Their is errors on my credit report that I did not validate or authorize. These accounts/inquires below need to be removed immediately because they do not belong to me. 

REMOVE COLLECTIONS : XXXX XXXX - XXXX - {$260.00} REMOVE INQUIRES : XXXX XXXX/XX/XX/2018 XXXX XXXX XXXX/XX/XX/2018 XXXX XXXX XXXX   XXXX/XX/XX/2018 XXXX XXXX XXXX/XX/XX/2018 REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX EMPLOYMENT : XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

Equifax is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Equifax and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX Loans XX/XX/XXXX.
Complaint sub-issue: Debt is not mine

I have requested this company stop calling me numerous times. I 've called back and asked to speak with a supervisor, was hung up on several times, finally got through to somebody claiming to be a supervisor and assured I would no longer be called. I explained I would file harassment charges. They 've called back and the same scenario has played out for the XXXX time today. I do n't know XXXX XXXX He obviously had this number before me. I believe XXXX XXXX is deceased to be completely honest.
Complaint sub-issue: Debt is not mine

Original debt from 2007 has since been disputed multiple times and sold many times. Current debt collector Oxford Law has been told the debt is disputed, it is past statute of limitations and asked to not contact me anymore. They have repedadtly called my family and work phone. They refuse to stop contacting me. I have blocked several phone numbers and they now use 3rd party services so call.
Complaint sub-issue: Investigation took more than 30 days

The posted hard inquiry that I didnt do.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX / XXXX  XXXX  XXXX  XXXX Account : # # # # # XXXX / Balance : {$370.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.