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

There is already an open case with Equifax due to Fraudulent Inquiries on my credit report, now there are new inquiries on my credit report that they don't want to remove. This is the only company that always its a problem with them to fix something on your credit report. I WANT THE INRIRIES THAT ARE NOT MINE REMOVED ASAP
Complaint sub-issue: Information belongs to someone else

XXXX XXXX DOB XX/XX/XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA  XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 section 602 A state I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 ; TI also state a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem with statement of dispute

I disputed a collection on my Equifax on XXXX XXXX and was given a case number XXXX and then checked my credit score on XXXX XXXX th and my credit score dropped XXXX points yet nothing on my credit report changed actually my XXXX went up XXXX point I would like to find out what happened if you could help with this I would be grateful
Complaint sub-issue: Account information incorrect

Hello, After receiving my credit report I have noticed many erroneous information reported in my credit report, for example my name in the credit bureaus is misspelled, or incomplete. They are reporting late payments that I do pay on time and continue to pay on time and I even have a good payment history. We already know that all negative accounts are misreported since not even my name is well spelled. I demand that an investigation be opened with my case and these accounts be removed from my credit report.
Complaint sub-issue: No notice of investigation status/result

From XX/XX/XXXX-XX/XX/XXXX ; Equifax has been harassing me and showing careless lack of concerns.Now I am at the point that I need your help to report this to the senator of my state. I asked Equifax for they ( Vice President ) Name/Numeber/Address and Email. They refused, also used in subordination towards me. I have filed several complaints before this point with them. No response has been giving ; leaving me to believe that they did n't report nor submit all my complaints:XXXX-of them! I spent my money mailing, faxing and sharing my personal information. By law they was suppose to remove a 7 year inquiry. Keep in mind I feel I have a lawsuit on my hands being the victim, because I was incarserated and I did not authorize nor request any fradulent activities that are on my account. Please take charge to handle procedures and civil constitution rights of a victim of unessary identity theft. I have names/dates/times that I was harass by Equifax. 

Note : My XXXX experience with Equifax has been prolong and critize and ridicule as a victim to be a mockery, maybe it 's Equifax who submitted and wide openly shared my personal information to have my file corrupted! 
Euifax is full of XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. 

disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid
Complaint sub-issue: Information belongs to someone else

I am filing this complaint as the 3 credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX XXXXccount number XXXX and XXXX XXXX  Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX ( I BELIEVE KNOWN AS XXXX XXXX XXXX ) Account # UNKNOWN has violated my rights. I don't know who XXXX is. I have never signed any agreement or contract with them. 

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 They have violated my HIPPA rights as well. This is financial discrimination and XXXX inequities. They have violated my Equal Credit Opportunity Act- This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Complaint sub-issue: Didn't receive services that were advertised

Another user adequately summed up how this has impacted me ( please do not disregard as what follows is mostly copied verbatim ) : Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media -- seriously, there 's something wrong with the fact that I learned of this on XXXX XXXX and foremost ... and I keep up with breaking news on XXXX/XXXX/XXXX/XXXX constantly. Regardless, Equifax should have notified the millions of people whose information it compromised much earlier. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Discover Credit Card Company has been charging me a " Discover Payment Protection '' fee service in which I never authorized for or was aware of. I did call them and they cancelled it moving forward and I disputed the previous charges, in which they said they can only refund the past 6 months as a " courtesy '' and " do their best to make me aware '' of the service. I am not really sure what that means since I didn't know it existed and don't have any communication of it. I feel like I was robbed as I would never authorize to pay such an amount every month without opting for it, and I am not even sure how it was included or what the service actually is. 

Here are the itemized amounts I paid and did not authorize since XXXX.This does not include the additional interest on the balance that I certainly would have been charged as well. 

Grand Total - {$2400.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$59.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$42.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$32.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$21.00} XX/XX/XXXX - {$28.00} XXXX XXXX {$28.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$14.00} XX/XX/XXXX - {$11.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$1.00} XXXX XXXX {$1.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$2.00} I have been loyal and been making my regular payments since XXXX when I became a customer. It makes me sad that this has been done to me. 

Thank you.
Complaint sub-issue: Problem with personal statement of dispute

My homeowners insurance company sent me a letter at the beginning of this year that my premium for the upcoming year ( starting in XXXX XXXX ) would be increasing by {$1500.00} up to {$4100.00}. They said in their letter that this increase was due to a consumer report on my credit from LexisNexis credit reporting. 
I first thought this was weird because my regular credit score is routinely around 800, but there is apparently a second, different credit score that was used. 
I ordered a copy of my consumer credit report from Lexis Nexis, which was mailed by them XX/XX/XXXX and received by me through the mail some time after. 
In their consumer report I received, there does seem to show any negative information about my family 's credit. I called LexisNexis shortly after to go through the consumer report which appears to show accurate information overall. They could not really explain thoroughly what aspect on the report was actually a negative. The only thing they mentioned was the rolling history of my bank accounts, credit, and loans for which I have never had a late payment. 
The strange thing is that my homeowners insurance is choosing to hold the length of those accounts against me now even though all of them were already in existence when I began my insurance coverage with this company in XX/XX/2017. 
It seems that my homeowners insurance company has arbitrarily chose to hold my account lengths against me now and try to increase my yearly premium by about 44 %.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a student loan account that was included in my bankruptcy in XX/XX/2016.XXXX XXXX correctly removed reported the account closed and removed the balance from my credit report.Equifax did a so called investigation and improperly listed the amount as owed.They didn't correct or remove the information and dropped my score by 15 points for filing a dispute..their Equifay confirmation number is XXXX.
Complaint sub-issue: Account status incorrect

In XXXX of this year I was late on a payment on a couch that I financed through XXXX XXXX. My balanced increased on the couch {$41.00} and it caused my score to drop 129 points. I believe that is completely unfair. I have tried to dispute this with no success. 

I was so upset about the missed payment because I was overpaying on the couch that I paid {$1000.00} on the couch a week later and it only moved it back up 57 points. 

I dont care what algorithm, scale, or formula they use, no {$41.00} dollar balance increase on a {$4000.00} couch should cause your score to drop that much.
Complaint sub-issue: Debt was result of identity theft

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, EMVLP II LLC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
EMVLP II LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
EMVLP II LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXXXXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are 18 unauthorized inquiries on my credit reports that appear to have come from some credit phishing scam. They are listed below : 18inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date A
Complaint sub-issue: Debt is not mine

I checked my credit on my XXXX XXXX account and found a new debt on there from XXXX.I have XXXX XXXX internet service now and have never missed a payment.I cancelled tv service a few months ago and returned all equipment in boxes they provided.I have never been contacted by XXXX about this claim by mail, phone, or other.I have been at current residence for 3 years and my XXXX account has always been set up for monthly bank draft.
Complaint sub-issue: Their investigation did not fix an error on your report

This Complaint concerns Equifaxs reporting of an alleged account with XXXX XXXX XXXX, Alleged Account # # # # # # # # # # # # # XXXX. A Fraud Affidavit was already supplied to these people. Per the Fair Credit Reporting Act, upon their receipt of this Affidavit, they were supposed to cause the removal of this alleged account from my credit report. They have already failed to do so, and thus have already violated the Fair Credit Reporting Act.

Even if this account were legitimate which it is not - please make note of the balance they have reported as to this alleged debt from  XX/XX/XXXX to present, namely : Date Balance Change XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$240.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$250.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$260.00} About 13.2 % Annual Interest XX/XX/XXXX {$230.00} {$37.00} reduction, no payment made XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$230.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest XX/XX/XXXX {$240.00} About 10.7 % Annual Interest Per my Equifax credit reports from XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX appears to have been charging an approximate average of 13.2 % annual interest on this alleged debt. No contract exists where I authorized such interest on any such alleged debt. 

Per my Equifax credit report on XX/XX/XXXX, for no apparent reason, XXXX XXXX XXXX appears to have made a {$37.00} reduction in my alleged balance. I made no payment. 

And then, per my Equifax credit reports from XX/XX/XXXX to present, XXXX XXXX XXXX appears to be this time charging an approximate average of 10.7 % annual interest on this alleged debt. No contract exists where I authorized this amount of interest either. 

Their credit reporting simply can not be accurate, even if this account were legitimate. 

I am requesting that this fraudulent and inaccurate account be deleted from my credit immediately. 

Thank you for your time and attention to this matter, and I remain Very truly yours, /s/ XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem making or receiving payments

I purchased an insurance policy from XXXX on XX/XX/2020, in the amount of {$160.00}, through my Citibank debit card ending with XXXX. In XX/XX/2020, I closed my Citibank accounts. On XX/XX/XXXX, I cancelled my insurance and a refund was issued back to the Citibank account. However, because the account was closed, therefore I never received this refund. 

In XX/XX/2020, I filed a complaint with CFPB in regards to the concern of Citibank. Citibank responded that they investigated the incident and confirmed that they did not receive a refund since the account has been closed. 

On XX/XX/2020, I originated a recorded three way phone call with Citibank and XXXX, XXXX   confirmed that they issued a refund back to the Citibank account and the transaction was never bounced. 

In my original complaint, I stated that I would like to dispute the transaction made on XX/XX/2020, in the amount of {$110.00} because the service was cancelled. Citibank has not processed the dispute as far as I understand the situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted letters to Equifax, XXXX  and XXXX  informing them of inaccurate information being reported on my credit reports. I submitted a letter from the furnisher stating they did not verify the information that is being reported on my credit reports.
Complaint sub-issue: Account status

One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX Loan Rep XXXX XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or Stolen accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

XXXX month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help me!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 instruction.