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

Recently while checking my credit report I discovered that there are several inquiries on my report that were not authorized. This is a request for proof of contact to these companies authorizing them to run a credit report on me. Please provide me with a certified copy of any documents where I authorized the following companies to run a credit report on me : Equifax XXXX XXXX Bank XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX Auto Finance XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX Auto Fin XX/XX/2019 Experian XXXX XXXX  XX/XX/2019 Experian XXXX XX/XX/2019 Experian XXXX/XXXX  XX/XX/2019 Equifax XXXX XX/XX/2019 Equifax Fcc XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XX/XX/2019 As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere
Complaint sub-issue: Information belongs to someone else

I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX, Equifax and XXXX and have not receive this information. It has been over 30 days. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Complaint sub-issue: Information belongs to someone else

Fraudulent accounts on my reports i have contacted the companies in this complaint and they all say to contact credit report companies and i have numerous times with no reply or results please investigate and remove this information 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX DBA XXXX REAL Account Number : XXXX Please remove this inaccurate information from my credit report.
Complaint sub-issue: Account information incorrect

On XX/XX/2016 i was faced with having to move out of my apartment, i contacted the loan agency stating i wouldnt not be able to make payments for this month but i am able to pay it off in the following months. They agreed but later on i see a late payment even though i finished my payment and closed the account the late payment is still being shown, Please assist me in this matter im also fighting unfortunately late payment for my XXXX XXXX payment which occurred around the same time. I have been consistent since and all my accounts are in good standing. I would love to get a home and start a family, unfortunately my credit score is at a major halt due to these payments.
Complaint sub-issue: Investigation took more than 30 days

not mine : FCRA violations : XXXX XXXX XXXX Original creditor : XXXX XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} XXXX XXXX XXXX {$0.00} Closed 5 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$15000.00} payment never late send proof or remove it : Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$10000.00} {$10000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 {$5900.00}, {$1700.00}, {$2300.00}, {$31000.00}, {$23000.00}, {$5900.00}, {$48000.00}, {$1300.00}, {$2200.00}, {$0.00}, {$5200.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX  and the rest of there little circle of credit personal tarnish and make sure i can't succeed in life
Complaint sub-issue: Reporting company used your report improperly

on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXXf. XXXX us code XXXX was not disclosed to me either this is also violation of XXXXl law. XXXX usc XXXXa was not disclosed to me. XXXX XXXX is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer report
Complaint sub-issue: Information belongs to someone else

I've just received my credit report and noticed unauthorized items that shouldnt be report to my credit profile. These have been rought times during the pandemic and its not fair the way my information was compromised
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In short, I went to a auto tint shop to have my XXXX  XXXX XXXX XXXX tinted. I wanted the car tinted specifically with one piece of film in the rear glass. The shop did it in two pieces without my consent. Also the two rear door glass was not aligned with the glass. 

Citi bank ruled in the merchants favor. Im confused how they got to that ruling with the given circumstance. The service was not done correctly. When I reached out to the merchant, the merchant threatened to rip it out of my car therefore I am scared to return with my car. Please help. 

Please refer to attachment for the full story and also included pictures for proof.
Complaint sub-issue: Didn't receive enough information to verify debt

I have tried 3 attempts to contact this company ( Enhanced Recovery Company ). Ive tried contacting their company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is why I have CC CFPB to enforce that I receive what I am requesting as a consumer. I have contacted this company regarding a debt that their office is reporting to my credit report, Ive asked for Debt Validation and still have not received a response. To my knowledge this is violating both the FDCPA and the FCRA. If this company can not send me validation upon my request, and even having to ask for this information 3 times makes me assume as a consumer that this company can not validate this alleged debt. If this is indeed the case, this debt should not be reporting to my credit report. I am asking that they cease all activity of trying to collect this debt and remove it from my credit report. I have gave this company ample time to respond to me. I have asked for validation XX/XX/XXXX and followed up XX/XX/XXXX and no responses neither time and now have sent a letter XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

My mortgage loan account credit reporting is reporting the mortgage account as " An Account With Adverse Information ''. My understanding is that this is inconsistent with the CARES Act. I have recently modified my VA mortgage after Covid-deferment and mortgage modification. I have fulfilled my obligations every step of the way. I have made the last four principal & interest payments early. This is not showing on my credit reports even though I have uploaded proof. My understanding is that the VA is behind on their paperwork and they owe my mortgage company a check for {$9800.00}. Well & good, but it isn't appropriate for there to be negative information on my credit report on that basis. Put the negative information on the VA 's credit report, by gum. Please see my uploaded and / or US Posted documentation which I have long since provided to the credit reporting bureaux. I am in process of restructuring my insolvent finances, so this incorrect credit reporting, which dropped my scores by about XXXX points, could literally have life & death effects on me. So please do hurry to do that which will restore my credit reports. Thank you, yours sincerely, XXXX...
Complaint sub-issue: Problem accessing account

I use the XXXX app which originally was linked to my PNCaccount. XXXX has made a change to their system and now my app cant connect to my bank account.
Complaint sub-issue: Problem getting report or credit score

I had an Equifax Platinum Monitoring membership for almost 2 years. Last month I tried to upgrade my monitoring product to another one which provided me a XXXX score. I tried a number of times and always received an error message. Following that situation, I called Equifax Customer Service and have been calling them for over 10 days. I have lasted more than 1 hour on each call with representatives that are n't capable of helping me figure out what is wrong with my profile and I now have no access whatsoever to my own credit profile from Equifax. My credit card was ran more than 9 times because the representatives were trying to experiment with different products and none work. I also tried going thru XXXX and the only report that I ca n't access is the Equifax XXXX. I was told to check if there was a hold, freeze, or a fraud alert and this is n't the case. I 've been t old a number of times that there is nothing that should impede any other company or myself from obtaining my credit report yet Equifax themselves ca n't process my order for a credit product which they provide. I have proof that I have had several credit transactions and voids and yet after 2.5 weeks I still ca n't get access to my report. I do n't understand how a company not have answers as to why I ca n't obtain a product that they service.. Plus I am growing worried as to why I ca n't access my information online.
Complaint sub-issue: Reporting company used your report improperly

RXXXX 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 to whom this may concern, Your company said I allegedly owe you money I will " PAY '' under one condition if you can provide 1. Validation of the debt-that is, the actual accounting 2. Verification of a signed Invoice. 
3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' Kind Regards
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I had my card stolen, and some charges were made. When I contacted XXXX  XXXX XXXX  to alert them of the charges they told me NOT TO MAKE A PAYMENT since I had a XXXX balance on my card before the fraudulent charges. XXXX XXXX XXXX  proceeded to report the card as having been 30, 60, and 90 days past due in XXXX, XXXX and XX/XX/XXXX. 

In XX/XX/XXXX I contacted XXXX XXXX XXXX after the disputed charges had been settle. I asked them to take the incorrect past due reports off my credit file. They agreed that they were mistakenly report and that they would take them off. However, they did not. 

Again in XX/XX/XXXX I contacted XXXX XXXX XXXX  for a final time asking them to delete the reports from my credit file. They agreed that they would. Again, they have not.
Complaint sub-issue: Reporting company used your report improperly

Our mortgage banker ran a credit report on XX/XX/22 on both my husband and myself and EQUIFAX shared our information without our knowledge. We started receiving calls on XX/XX/22 from " mortgage lenders ''. Some of these calls were menacing in nature. We were told by 2 of marketers that the information came from EQUIFAX. There were so many calls that my husband wasn't able to work using his cell phone. We called our mortgage lender and were told that they did not sell our information. We then called EQUIFAX on XX/XX/22 and they denied any wrongdoing. Again, two of the " lenders '' that called, told us they got our information from EQUIFAX as potential " leads ''. These calls have been extremely disruptive.
Complaint sub-issue: Reporting company used your report improperly

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has continuously and falsely verified this alleged account. Equifax have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board because Equifax is the only one reporting this alleged item.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate ad correct these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$610.00}
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX continues to update an account on my Equifax report. 

I am a cosigner for my husband at the time The account was enrolled in a debt relief program in XX/XX/2015, and that is when the delinquency began My husband committed XXXX  in XX/XX/2015 This account is greater than 7 years delinquent
Complaint sub-issue: Information belongs to someone else

reporting inacurate information. Inclosed is an opt out form I would like to go ahead and proceed with removing the inacurate information.
Complaint sub-issue: Account information incorrect

My complaint is against US BANK regarding account # XXXX XXXX XXXX XXXX. Back in on XXXX XXXX I sent to the mentioned company a dispute letter, explaining to US BANK what had happen to me : that I never received my statements from XXXX or XXXX because my mail was stolen, therefore I incur in to 1 late payment on XX/XX/2019. I also filed a police report that I sent to them, with a Federal Trade Commission Report as well. This company not only disregarded my letter but also a police report with an FTC report. This company didnt even mark my account as disputed once they received my dispute notice, they arbitrarily decided to just leave the negative mark on my reports. I know the company has no obligation to remove account but they are in obligation of at least to make an in investigation according to the Fair Credit Reporting Act. In my dispute process the mentioned company incurred into multiple violations plus disregarding the mentioned documents I sent to them. I would not like to take this case to court but if US BANK does not provide a deletion letter for the negative mark ; I will have no other option but to search for justice in court. Im attaching letter I sent to them, the police report and the FTC report, including the proof of fax that they received all of my documents. I have a {$500000.00} loan pending because of this negligence. Thank you!
Complaint sub-issue: Information belongs to someone else

While applying for a mortgage, the bank pulled a credit report and there was an account with the XXXX XXXX XXXX XXXX ( XXXX ) on it, which only Equifax reported. I am not now nor have I ever been affiliated with the Department of Defense, so I can not possibly have this account. After verifying my information by fax ( license and SSN ) in a message sent to Equifax on XX/XX/21 ( I had also called the XXXX on XX/XX/21 and XX/XX/21 to verify my SSN was not in their system ), I filed a dispute of the account on XX/XX/21. On XX/XX/21, Equifax finished their investigation and concluded that this account belonged to me, and that my personal information needed to be updated. As a result, they unilaterally changed my name, SSN, date of birth, and several addresses to that of someone else, which I was fully allowed to access, as well as full details of the entire history of the disputed account. This is an extremely dangerous breach of personal information on behalf of the affected individual, and I disputed this new " personal information '' immediately, meaning I had to see what this other person 's details were in their entirety in order to dispute it. A new dispute was filed on XX/XX/21, and as of XX/XX/21, my personal information is still displayed as that of someone else/ Our SSNs are one number off, meaning it is likely that Equifax did not check effectively enough to discover their own error, and instead insisted they were correct while compromising some other individual.
Complaint sub-issue: Account information incorrect

I am writing this letter because of erroneous information on my file. I have been disputing these accounts for sometime now, I demand comply and conform or I am taking a legal action as soon as possible.
Complaint sub-issue: Account status incorrect

RC Willey is reporting late payment for XX/XX/20 and I would like it removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time.I have not been late before and I haven't been late since. I ask that RC Willey make a goodwill adjustment to have this removed.
Complaint sub-issue: Account information incorrect

Hi, I recently took an Auto loan from a bank. 

For few months everything was fine and my credit score was excellent. 

This month it went down by 115 points, I spoke to credit company and they said my account is reported as credit not a loan. 

This increased my credit usage for no reason. 

Since its the bank problem I called their credit department to rectify their error but it was very unprofessional. They asked me to go through very lengthy process to fix their mistake now. 

My credit will show bad until I write them letter and they receive take action etc.. I needed to apply a mortgage soon. 

This very bad handling of customer image when bank is at mistake. Why should customer suffer for the bank error.