Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Last 4 SSN:XXXX My identity was stolen in early 2018 and multiple credit cards we taken out in my name. They were charged off and sent to collections. 
I have disputed these many times but the credit bureaus and the companies will not help me. Customer service for the companies and the bureaus would not help and remove and take care of the fraudulent accounts and inquiries reporting to my credit report. These are only a few of them I am requesting removed, along with there inquiries. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2018 Balance {$460.00} Credit limit {$350.00} Account type Charge Off Revolving Yes Open No XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XX/XX/2018 Balance {$0.00} Credit limit {$300.00} Account type Charge Off Revolving Yes Open No Authorized user No XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XX/XX/2018 Balance {$870.00} Credit limit {$0.00} Account type Collection Revolving No Open No Authorized user No
Complaint sub-issue: Their investigation did not fix an error on your report

This is a new complaint as a result of a previous investigation failing to address my complaint. # XXXX I asked that the credit reporting agency provide me with the company name and methods used to verify that a bankruptcy on record is correct. The US Bankruptcy Court does not furnish this information, which indicates the company used a third party. I have a right to know this information.
Complaint sub-issue: Contacted employer after asked not to

A company LHR , Inc in XXXX, New York is selling charged of debt to other individuals. They are threatening me with wage garnishment. What are my options to stop this? From my research - LHR is a questionable company. And may no longer be in business. I do not want the added expense of a lawyer, but if that is what I have to do I will.
Complaint sub-issue: Account status incorrect

XXXX is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment. 
2. ) I received ZERO notification from XXXX during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail. 
XXXX. ) The Cares Act signed into Law XX/XX/XXXX States that XXXX XXXX XXXX can not report late from XX/XX/XXXX and XX/XX/XXXX 2021
Complaint sub-issue: Debt is not yours

Vance and Huffman stated on my previous complaint to consumer finance.gov that they will be closing account and removing account from my credit reports. Instead they sent to XXXX and other bureaus that the collection account is correct. They lied and did not do as they stated and furthermore this is not my collection!!! I have zero knowledge of this account. I pay all of my bills on time and now am losing out on getting a home!!! They are completely messing with my quality of life. They absolutely need to deletXXXX this collection off of my credit AS THEY STATED THEY WOULD pubically on the consumer finance.gov website under complaints.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Everything Has to be 100 % ACCURATE on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate on any. This is grounds for removal. 



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

XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more then 30 days to complete my investigation which is grounds for Removal/Deletion Here are my CERTIFIED tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

I open XXXX to know my credit score then i got amazed when i knew that i got a mortgage dated back XX/XX/2015 that even in dream i didnot do..please help me maybe someone stole all my info ... thats why all im applying for credit cards or lending services are all DECLINed
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX file # XXXX, the reporting agency has been reporting incorrect information for a specific creditor named " XXXX XXXX ''. I have sent and submitted multiple letters to Equifax even called on the phone multiple times over a course of several months to have the issue resolved. I have demanded several times that they DELETE that specific creditor due to them reporting incorrect information. I have requested in my letter for them to send me proof of " verification '' on how they verified their information and Equifax has not sent me any proof other than they have verified the information. This creditor is reporting that they were included in an alleged bankruptcy on my credit profile dating a discharge date of 2020. This information is not correct as I have paid that specific account off several years ago. I have even called XXXX XXXX Who also confirmed that the account was paid several years ago but is reporting that they were included in a bankruptcy just as recent a last year.
Complaint sub-issue: Account information incorrect

I checked my credit report on XX/XX/2020, and under credit score it shows 4 factors hurting my credit score : 1. The date you opened your oldest bankcard or credit card account is too recent 2. Lack of Sufficient credit history 3. Lack of sufficient relevant real estate account information 4. You have too many delinquent or derogatory accounts I disagree with equifax factors hurting my credit score.My credit card accounts are not recent.I have plenty of credit history.I dont own a house/property and the lack of real estate account information is just ridiculous.This should not affect my credit score if i dont own a house or property.Because i dont own a house or property, Im being discriminated against me by equifax
Complaint sub-issue: Problem with fraud alerts

i have a fraud alert placed on my Equifax credit file that i have no knowledge about. I disputed the alert with them and was told that my file has no freeze or alert on it when it fact it does. I pulled my credit file today and i attached proof of my complaint
Complaint sub-issue: Information belongs to someone else

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in fact me that submitted this report and a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Complaint sub-issue: Account status

I have paid in full the attached accounts balances and notified the credit agencies, but the balances still remain on my credit
Complaint sub-issue: Account status incorrect

I've recently received my consumer report from EQUIFAX and noticed that there were unauthorized accounts being furnished.On XX/XX/2022 I wrote a letter which was sent overnight and received XX/XX/2022 tracking number being XXXX ( confirmation attached ) In this letter I've communicated to EQUIFAX letting them know that I was aware of the fraudulent accounts reporting on my consumer report. ( XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ) I also explained to EQUIFAX that XXXX hadn't given them written or oral consent on my behalf which according to the FCRA are required before any consumer reporting agency furnishes any account.According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.With EQUIFAX reporting these accounts they are in violation of that subsection as well as 15 usc 1681 ( n ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I'm demanding EQUIFAX TO BLOCK AND REMOVE the accounts listed above or I will presume litigation for all damages caused by this consumer reporting agency.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a XXXX party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous XXXX, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX  XXXX ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. You have XXXX XXXX to correct the account listed below : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Talked to a third party about my debt

Today is XX/XX/2016. Approximately 2 weeks ago a Discover card debt collector contacted my father at his home looking for me. Which made no sense since discover had my contact info and had been speaking with me. They told my father that they were trying to reach me. They also said that I was behind on my payments by XXXX and that I owed a total amount of ( I am unsure what the total was at that time ). My father told them I did n't live there and never have and to not contact him again. I have not spoken to my father in almost XXXX yrs. Discover had no business giving out my personal info. They did however leave a contact number, ( XXXX ) XXXX, which is a Discover card number.
Complaint sub-issue: Their investigation did not fix an error on your report

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Sometimes in 2010, my wife took my daughter to a local XXXX Hospital in XXXX XXXX, California ER for a 45-minutes visit. The hospital charged us a bill over {$7000.00}, and we were left with about {$1400.00} after insurance paid out. We requested the examination of all the charges and found out some charges incorrect and consequently we submitted a bill dispute with proper depart. of the hospital. Finally, we received a letter dated XX/XX/2010 from the hospital 's billing business service partner XXXX XXXX XXXX stating " The charges have been resolved. '' And I kept the letter in file. 
However, shortly after a debt collecting agency CBSJ Financial Corp. started unstoppable calling and writing to my wife with threatening languages like reporting credit bureau etc despite my wife told them the matter has been solved between hospital and us. At that time I was oversea and didn't know this. Finally my wife couldn't bear the emotional pressure and continuing harassment and wrote a check of {$1500.00} as the CBSJ demanded to get her peace. In other words, my wife paid CBSJ debt collector for non-existing debt in exchange for a quiet life. 
I just found this out when I was cleaning up old document which includes my wife 's notes on an envelop and conversation with her. I was so upset by CBSJ such abusive practice for collecting non-existing debt through harassment and angry at XXXX Hospital apparently sold the already solved debt dispute to a knowingly abusive debt collector.
Complaint sub-issue: Information belongs to someone else

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : 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: Personal information incorrect

I've asked the credit bureaus to update my name, address and it's been over 45 days and they still have not completed this for some reason.
Complaint sub-issue: Account information incorrect

I mailed Equifax proof that my student loans were not 90 days late as they have reported and they have yet to fix their mistake!
Complaint sub-issue: Problem during payment process

I have power of attorney for my brother who holds this c/c. I have complete financial control. For more than a year, I have not been able to get onto the website to pay the bill and when I mail the payment, it arrives late. In both instances we are continually charged finance charges. I have had to send the notarized paperwork twice ... they keep losing it. I was told that when the account was up to date, the website tech people would get me on the website to make payments easier and faster. The tech people tell me they have no access to the powers of attorney paperwork and refuse to allow me access and send me back to customer service. 

The last time I spoke to customer service in XXXX, I asked for the full payoff, as I was planning on canceling this c/c. I paid the amount I was told and today, received yet another bill for yet unpaid prior balance with more finance charges. No one can validate the charges and I am being forced to pay " blind '' the amount they state and interest on top of it. 

This is all totally unacceptable. I am canceling this card and the card was taken from my brother after the last phone call to the company. 

US bank was totally unhelpful, uncooperative and I am still unable to access the website to validate these charges.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX U.S. DEPARTMENT OF EDUCATION XXXX {$590.00} U.S. DEPARTMENT OF EDUCATION XXXX {$1600.00} XXXX XXXX XXXX {$95.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Complaint sub-issue: Reporting company used your report improperly

I DID NOT GIVE THESE COMPANIES PRIMISSION, OR WRITTEN CONSENT TO RUN MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following Inquiries or Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX Amount : {$250.00} ( UNTITLED ) Date Opened : XX/XX/XXXX Amount : {$510.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} DEPT OF ED:XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I went to their website and requested my credit report. I filled out all requirements and they told me they didnt have enough info. I mailed a letter to them with all required info included and they still havent got back to me. Now today is my third attempt to obtain my credit report. LexisNexis is literally in the SAME CITY that i live in. There should be NO excuse that other people living farther away can get theirs and I have yet to receive mine.
Complaint sub-issue: Account status incorrect

My wife and I have been negatively impacted significantly by XXXX bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.
Complaint sub-issue: Attempted to collect wrong amount

This debt was for a XXXX co-pay. The original amount of the debt was {$270.00}. I was charged {$350.00} dollars by the collection agency when I paid the debt in full. They claimed it was interest but I was never notified that there was interest being collected for this medical debt. I told them this debt was owed due to hardship from XXXX XXXX loss of work.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Complaint sub-issue: Debt was paid

Tried to reach out to them to let them know the apartment balance was paid to end the lease.. in 2013. They will not talk with me only hang up the phone and say contact XXXX but this debt is not mine. Even asked to just pay it to get it off my credit because Im trying to purchase a home and this is the only thing on my credit and thats how it was found out was never contacted by the apartments or from This company in no form shape or fashion. EVERYONE THERE ONLY HANG THE PHONE UP IN YOUR FACE.
Complaint sub-issue: Didn't receive advertised or promotional terms

I signed up for a home depot consumer credit card during some home renovations, it seemed like the perfect time because that's where I was getting most of my materials from. I signed up while they where having a promotion that gave you {$100.00} for spending {$1000.00}. I spent the amount required almost immediately after getting the card information and even called in just to verified that fulfilled the requirements for the {$100.00} promotion. The company rep confirmed to me over the phone that I was all set and should receive the credit within a couple billing cycles. After 2 billings cycles past I did not receive the credit so I called in again to check on it. This is where I started receiving different information, this rep told me I did not have that promotion and that she had to submit this for review. After a long wait their back office staff reviews the case and comes up with the idea to grace me with {$25.00} credit instead of the full {$100.00}, citing that because my order ( although placed at the same time all together in the same cart ) was charged separately so counted as different orders, thus making the offer not valid. If this isn't the biggest XXXX I've heard for a company to use to try to get out of paying me the agreed upon amount I don't know what is. Their own system charged the card in that manner and they see that it was the exact time of purchase yet they are telling me that is my fault and will not honor the deal we made.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Loans in forbearance currently because I was no longer allowed to sign up for income based with my own information. They started requiring my husbands information which he was not ok with. Had to start making regular payments once that was a requirement. Recently had a baby and couldnt afford the higher payments so had to put in forbearance bc no other options available.
Complaint sub-issue: Problem getting your free annual credit report

In accordance with FCRA 15 U.S.C. 168, I am entitled to a free credit report.