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

I have contacted EQUIFAX several times over the phone and by mail trying to get them to remove an unauthorized account from my consumer report XXXX XXXX ending in # XXXX. I called Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Dates contacted XXXX XX/XX/XXXX, XX/XX/XXXX with no success. I have return receipts to prove that I have also tried contacting XXXX XXXX. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
I never received anything from Equifax asking for my consent regarding this alleged account to place it on my consumer report. 
Equifax has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. In addition, my account was part of the Equifax Data Breach and I have filed a claim! I have spent way too much time reaching out to Equifax with no RESULTS! 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and you have no RIGHT to place this unauthorized information in my report. 
Furthermore, I want my ENTIRE Credit File pursuant to Title15 USC 1681g ( ANY and ALL information that has been reported on me ). 
If you can not provide a contract between Equifax and me the Consumer REMOVE XXXX XXXX! As I am in the process of seeking legal action. This must stop!
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

SUMMARY : US Bank refuses to honor the signup bonus per the terms and conditions I applied under, and as a result ( intentionally or unintentionally ) baited me into paying a {$400.00} annual fee for a card with a promotional offer that would not be honored.

DETAILS : On XX/XX/XXXX - I applied for the " US Bank Visa Infinite Altitude Reserve '' card. I was approved for the card on or around XX/XX/XXXX. The card advertises a " XXXX US Bank point bonus after spending {$4500.00} on the card within the first 90 days of card membership ''. The terms and conditions stated at time of signup : " One-time XXXX  bonus Points will be awarded when you are approved for a new U.S. Bank Altitude Reserve Visa Infinite Card and after eligible Net Purchases totaling {$4500.00} or more are made to your account within 90 days from account opening. Points are earned on qualifying Net Purchases. " Net Purchases '' are purchases minus credits and returns. Please allow 68 weeks for your bonus Points to be credited to your Account. You are eligible to receive one-time bonus Points for each new U.S. Bank Altitude Reserve Visa Infinite account type. Existing and previous U.S. Bank Altitude Reserve Visa Infinite accounts are not eligible for bonus Points for a similar account type. One-time bonus Points do not apply toward account upgrades. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Reserve Visa Infinite Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. " I later called to verify this sign up bonus. It was verified as valid by Customer service.

I then received an email re-iterating the terms and conditions, and promotional offer on XX/XX/XXXX. Some time later, in theXX/XX/XXXX statement period, I completed the requirements ( spending {$4500.00} on the card ). I called customer service in XXXX, and was told I would get the bonus points on the XXXX statement.

When the XXXX   statement posted - I did not receive the bonus points, as promised. So I called customer support again on XX/XX/XXXX. I was told by a supervisory customer support representative that I was not eligible for the points because I had the card previously. The terms and conditions of the offer state clearly : " You are eligible to receive one-time bonus Points for each new U.S. Bank Altitude Reserve Visa Infinite account type ''. The Supervisor acknowledged that this was correct, however refused to honor the promotional offer. As a result, I requested to close the card, and have the annual fee refunded but was told that an annual fee was refundable only within the first 30 days.

I have attached : ( 1 ) The email received on XX/XX/XXXXstating that I would receive the bonus after spending {$4500.00} in 90 days. ( XXXX  ) ( 2 ) The US Bank altitude promotional offer as shown on the web-page I applied on datedXX/XX/XXXX. ( XXXX  ) ( 3 ) A screenshot of the terms and conditions ( as stated on the page I applied via ) datedXX/XX/XXXX. ( XXXX )
Complaint sub-issue: Investigation took more than 30 days

Currently I have been in the process of getting a mortgage. I started this process back in XXXX of XXXX. I began the search of lenders and discovered that I had issues to resolve with my credit report. I discovered discrepancies with all three bureaus. I had cleaned up my credit and settled some debt at the same time I deputed something and let time pass so my scores would increase. In XXXX a dispute was on my credit report. I had the disputes removed and my scores dropped to significantly. In XX/XX/XXXX I began to build more credit and produce 2 trade lines which appeared in XXXX and in XXXX taking my scores up between all three bureaus. I had my credit report pulled on XX/XX/XXXX and on the consumer reports my credit scores were XXXX, XXXX equifax, and XXXX XXXX. My lender pulled my credit and the disputes back in XXXX reappeared. I called to have them removed and at the same time I had 2 trade lines to post, XXXX increase on student loans to appear, removal of the disputes which caused my consumer scores to go down to XXXX for XXXX XXXX which I loss 66 point from an account being in dispute since XX/XX/XXXX which wasn't made aware to me, XXXX XXXX a loss of 53 points the same XXXX XXXX acct dispute was removed, and a loss of 35 points within days of removal of the dispute which was placed on my acct. back in XXXX caused extreme damage to my credit report. I am writing this dispute because i dont think it was lawful for the bureaus to be able to impact my credit significantly when disputes are suppose to be resolved within 30 days. These disputes were placed on my accounts in XXXX and removed in XX/XX/XXXX. Are credit bureaus allowed to deducted 50 or more points with no significant changes on ones reports or trade lines? This has and still is causing a significant problem for me and my family. I am not able to complete the lending process because of the inaccuracy reporting between all three bureaus.
Complaint sub-issue: Personal information incorrect

i sent a letter out XX/XX/2020 about inaccurate personal info and still havent received a response
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 this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$19000.00}
Complaint sub-issue: Information belongs to someone else

An unauthorized account with the name of XXXX XXXX XXXX and a XXXXXXXX XXXX XXXX is being fraudulently reported on my credit report by XXXX, Equifax, XXXX and the creditors wont fix the problem even with a police report and a FTC report.
Complaint sub-issue: Debt is not yours

Recently found out that there was unauthorized charges on my credit report that did not belong to me or belongs to someone with a similar name. I Approached XXXX  and XXXX  and told them that these did not belong to me. Through a bit of effort it was removed from these 2 credit bureaus succesfully. XXXX on the other hand has been extremely difficult to get ahold of online as well as on the telephone. Eventually after spending 20 + hours on the phone with XXXX  I filed disputes regarding collection from the agency " XXXX XXXX XXXX ''. No resolution has been made my experian for these fraudulent and unauthorized charges on my credit report. It has been extremely difficult to pursue this issue with experian as contact from them is minimal and they are not doing the correct research. 

XXXX report # Report Number : XXXX
Complaint sub-issue: Account status incorrect

i call XXXX XXXX XXXX XXXX ask them to closed this account and they did n't Account Number XXXX
Complaint sub-issue: Attempted to collect wrong amount

I argued with this company for months over the amount that they were billing. They kept billing me incorrectly, so I told them i wanted to end our relationship. i cancelled my service and they billed me again. I have not done business with this company since 2014
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$1300.00}, XXXX  XXXX XXXX  XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Complaint sub-issue: Right to dispute notice not received

XX/XX/XXXX I received a credit monitoring alert that notified me of a new collection account listing with XXXX XXXX credit bureaus. At that time, I had n't received any letters or notification from the company, Enhanced Recovery, who placed the trade line in my credit file. XX/XX/XXXX, I sent a letter to Enhanced Recovery - sent certified mail return receipt requested ( XXXX ) - notifying them of the placement in my credit file, that they had not provided any notification to me of a debt owed, and requesting validation of the debt. Although this letter was received by them, I received no response. On XX/XX/XXXX, I sent a XXXX letter to Enhanced Recovery, also sent XXXX notifying that they had not responded to my previous letter, although required by law, and were still continuing to report an invalid and unvalidated debt to the credit bureaus. At that time, I, again, requested debt validation or removal of the trade line. As of XX/XX/XXXX, I have received NO communication from Enhanced Recovery nor has the debt been removed from my credit file. They have continued, since XX/XX/XXXX, to insert and update a trade line in my credit file, causing significant damage to my credit rating. They have not responded to any of the letters sent to them. I have filed a complaint with the XXXX and the Texas Attorney General 's office as well, in an attempt to resolve this issue. Their continued violations are unacceptable, and in violation of both federal and Texas state law. This trade line needs to be deleted from my credit file immediately.
Complaint sub-issue: Reporting company used your report improperly

Based on the Equifax security breach, I have been identified as a victim of the data breach. It is assumed that my social security, driver 's license, and other personal information has not been secured and is now public information.
Complaint sub-issue: Account status incorrect

Im writing this because I have inaccurate information reporting on my XXXX, Equifax and XXXX from XXXX  XXXX XXXX and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, XXXX states that I only have one late from each of the 3 student loans, Equifax states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on Equifax it still says XXXX  XXXX XXXX. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.
Complaint sub-issue: Information is missing that should be on the report

I OBTAINED AN AUTO LOAN ON XX/XX/2019, IT IS NOT REPORTING ON MY CREDIT REPORT, I NEED THE AUTO LOAN THAT I HAVE WITH XX/XX/XXXX TO BE REPORTING ON ALL THREE OF THE CREDIT BUREAUS,
Complaint sub-issue: Account information incorrect

There are five student loans showing up on my credit bureau as delinquent. However, all of my student loans transitioned to XXXX and are in repayment with a good standing. Some of the delinquent loans have the same date or date range as my XXXX loans. I did not take out separate loans from the ones I already have that originated at XXXXXXXX XXXX University - XXXX. For example, there are two loans dated XX/XX/2007. Did someone take out a separate loan after I did on the same day? I do not understand why this would show up under the XXXX XXXX XXXX in addition to the XXXX loan in repayment with the same dates. XXXX is the service provider for all of my student loans including my only private loan. Additionally, the XXXX XXXX XXXX XXXX has sent a letter to garnish my check at my job. The principal amount is {$27000.00} ( see attached ), which is close to the same amount I am still paying. Please help me clear this up so this no longer shows up on my credit bureau doubled up with additional fees.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Department of Education, XXXX, and XXXX all show fraudulent loans on my credit profiles that needs to be remove immediately. All Bankruptcy remarks and information are fraudulent and needs to be removed.
Complaint sub-issue: Was not notified of investigation status or results

All three credit bureaus are violating my rights under the FCRA, and also the they are no complying with the 60 day investigation parameters set fourth by CFPB. I have tried 3 different times this year to get the credit bureaus to update my information. Each time i have submitted a complaint with the CFPB, I get no help. The bureaus have given me the same answer for all 9 of my complaints. That they are still investigating my results. After 9 months. The are still investigating my results. They are stalling. I will be also submitting a complaint with the Federal Trade Commission.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX VIA XXXX APT XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

On XXXX/XXXX/XXXX, I went to XXXX. I requested my credit report from Equifax. After I entered all the relevant information, including answering detailed multiple choice questions ( which required XXXX minutes of research ), the system told me that Equifax was unable to give me my report online. I would have to send them a paper form in addition to copies of government documents by mail in order to get my credit report. I do n't believe this is the level of commitment to transparency that Equifax has signed up for.
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 {$3300.00}, {$15000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint on this website in XXXX. I received correspondence with how I would like for this to be resolved. I received my points back but the late payment still applies on my report. This is the complaint. XXXX XXXX stated that on XX/XX/XXXX. XXXX that did a auto pay for my car loan and the bank rejected it. I provided documentation that money was in my account and that the bank never rejected any money nor was a freeze on my card. The bank rep stated that XXXX most likely made an error because they would not have rejected my payment. Ive had this loan since XXXX and have not been late. This company has no compassionate even during a pandemic. I owe almost XXXX on this car loan. I need for them to to take responsibility to their error. I thought it was paid because all of my auto pays automatically are paid with no issue. XXXX  notified me at the end of XXXX to tell me that payment was not received. I immediately paid worth the same card. I need for this late payment to be removed. Im trying to avoid lawyer and court fees but thats the next step.
Complaint sub-issue: Debt is not yours

I just received a letter from XXXX XXXX at CITI. As far as I know I have never had a CITI bank card. They stated the amount was {$200.00} principal, {$160.00} interest and {$240.00} in fees for a total of {$610.00}. They want me to call XXXX XXXX XXXX. at XXXX, which I will not do. I see there was a lawsuit in 2016. 

Please advise. 
XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

XXXX will not show me my credit report. 

Sagestream will not show me my credit report.