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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. This account was never late XXXX Account XXXX XXXX XXXXXXXX Please ensure that all information is accurate XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number XXXX XXXXXXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Problem with signing the paperwork

Purchase a vehicle from carvana on XXXX, delivery and financing were completed with out problem. Fast foward 2 months and never received the new registration for the vehicle. Contact carvana say its okay they will process the registration before the temporary plate expires. I call carvana again a few days before the temporary plate expires and they claim they do not have the title for the car, that is why they have not registered it yet. Carvana then states it will be completed before the expiration of the temporary plate which is XXXX. Call carvana the day the plate expired they magically have the title and say the paperwork will be completed soon, leaving me a vehicle i can no longer drive. Offering no reimbursement at that time. Carvana claims paperwork was submitted on XXXX and offering to refund a months pay for {$280.00}, since im required to take taxi 's to and from work because i can not drive my vehicle due to their negligence. This amount only covers 5 days worth of taxis. On XXXX carvana contacts me saying the new registration is on its way via fedex and will require a signature to deliver. I request a tracking number so i can have someone be able to sign for this package. Carvana customer service claims they can not provide a tracking number. They will no longer respond to calls or chats on there website. It has been 3 weeks since i have been able to drive a vehicle i am paying for with no information as to when or if they actually have registered the vehicle.
Complaint sub-issue: Account status incorrect

The attached student loan have all been consolidated and for some reason, Equifax is the only bureau that did not update my credit profile.
Complaint sub-issue: Debt was result of identity theft

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX Account # XXXX Bal : {$970.00} XXXX. XXXX Account # XXXX Bal : {$1600.00} XXXX Account # XXXX Bal : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried on several occasions dispusting the medical collections account on Equifax. My recent results came back on XXXX XX/XX/2018 as verified this item belongs to me. This is the same response Equifax sends without actual validating that the account truly belongs to me. No validating information has ever been sent to me that this is in fact my responsibility.
Complaint sub-issue: Other problem

I try to use XXXX  to connect my bank it would not let me.
Complaint sub-issue: Problem accessing account

got locked out way over 30 times in the last year on usbank.com website, always saying something thats not true. this time the permanently disable my account online so i cant get in. been locked out 4 times only in XXXX called them today XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX cause keeps locking me out when i sign in and walk away for a bit, now they say they cant reopen my online banking it permanently disabled. this is not right to do this so i cant run my personal accounts or pay credit cards they are all late cause of them lockig me out of my online banking since XXXX, XXXX and XXXX and XXXX. so i cant pay my credti cards either.so its the online banking websites fault. they need to reopen my user name again and for the stress ive been having with them over a year they should credit me {$150.00} in my bank account just for all the stress with this. otherwise im leaving their bank and not doing business with them ever again. no one is experienced enough to figure anything out how to open it back up.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Called XXXX Equifax And XXXX XXXX trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have XXXX accounts XXXX with XXXX XXXX   and XXXX with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.
Complaint sub-issue: Problem getting your free annual credit report

Applying to Equifax for my free credit report ( initiated at XXXX XXXX XXXX ) Equifax requires me to file a paper form saying " Online Delivery Unavailable ''. 

It has been my experience that the credit reporting companies are repeatedly requiring me to " jump through hoops '' to get my free credit reports when they have no valid reason for the extra steps. I have seen this multiple times with the big credit reporting companies.
Complaint sub-issue: Account information incorrect

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out via USPS and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Listed Accounts Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2020 i have been trying with the help of XXXX out credit restoration to dispute misinformation on my credit report. We have sent in multiple request and reports to XXXX, Equifax, XXXX. On multiple dates for the past XXXX  years i have submitted police reports, case numbers etc. i have also been notified of breaches and had credit monitioring services and done dispute after dispute and nothing has been removed that was negative from my credit reports. this has severely impacted my credit ratings and dropped my scores.
Complaint sub-issue: Other problem

I filed a compliant against U.S. Bank in late XXXX XXXX # XXXX XXXX for a hold on my credit card while receiving spam calls. U.S. Bank responded and stated that " on XX/XX/XXXX, we were able to complete the verification process and remove the hold off your account. '' Following U.S. Bank 's response ( attached ), I called the customer service and successfully activated my credit card on XX/XX/XXXX. However, one day later, U.S. Bank closed my account for no reason provided to me. I simply noticed my credit card account dissappeared in my app and called in. I was told that I needed to call XXXX to speak with someone. I called and it turned out to be their " authentication '' department. A rather rude rep simply insisted that I needed to " authenticate '' myself in U.S. Bank branch and then abruptly hung up on me. As a New York State resident, I know that there isn't any U.S. Bank branch in my state, or even in Tri-State area. I verified this via U.S. Bank website. Does U.S. Bank really think I need to fly to Minnesota to " authenticate '' myself? If this is the case, U.S. Bank should not accept any credit card applications from the states where it does not have retail branch, because I am sure no customer will travel by air to their branch to establish their identity. 
As I have other credit cards, I am fine without their credit card. However, I found their practice strange, arbitrary and discriminating. I am writing to let CFPB and the readers know it so that you are aware.
Complaint sub-issue: Account information incorrect

This letter is to request that you remove inaccurate information from my credit report. This inaccurate information has affected my chances of getting loans and credit. For your convenience, I am sending you the proof that the items are inaccurate in case you need to verify them prior to removing them. The account I am referencing to is XXXX XXXX XXXX ( Account # XXXX ). 

On XX/XX/2022, I received a letter from XXXX XXXX XXXX that the obligation was paid in full in their office on XX/XX/2022.
Complaint sub-issue: Information is not mine

I got a hard pull inquiry from XXXX on XXXX XXXX, 2016. I have not done ANY inquiries or applications since I opened my bank account at XXXX Bank in XXXX, 2016. I do not knoow where this hard pull is from. They took off a point for it. How do I get it off?
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Around XX/XX/2019 I filed a dispute with Elan Financial who services my Fidelity Credit Card. The dispute was in regards with a payment made on XXXX using the Fidelity credit card. Around XX/XX/2019 I received a provisional credit of {$1400.00}. The very following day my credit limit was reduced from {$3000.00} to {$1400.00}. About one week later the dispute was not found in my favor and the provisional credit was removed from account. My account balance went back to the original amount that slightly shy of {$3000.00}, my credit limit was now {$1400.00} instead of {$3000.00} so I was {$1600.00} over my credit limit and they wanted payment of the entire amount in one month. They are clearly in contravention with the spirit of that law which states that your credit limit can not be lowered beneath what your balance is, assuming you are not over the limit. I spent over 90 minutes on the phone with Elan financial, receiving no solution beyond pay {$1700.00} today. The point of the credit card is to spend and make monthly payments, not to simply owe over 50 % of your balance in one month. 

Also my credit report shows that I was 30 days past due in XX/XX/XXXX, despite the fact that the provisional credit covered my minimum payment before the cut off. I did make the minimum payments required for XX/XX/XXXX, but ceased form then on since I was being asked to pay a sum over 50 % of my {$3000.00} credit balance.
Complaint sub-issue: Debt is not mine

I have received XXXX voicemails from " Americollect, '' phone # XXXX, claiming they are trying to collect a debt from me, but giving no info. I responded using this email address, but gave no personal info, and asked what debt and for whom? I received an email response which gave no answers but appears to be a fishing expedition. 

I do n't know of any outstanding debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I am sending a complaint in regard to a recent notification on my credit report. The information reported is inaccurate and is leading to a negative impact on my credit file. I am including proof and the information on the credit report is incorrect. Please investigate the late dates reporting on this account. The month 's reporting does not match my records. Please correct all late reporting on this account. XXXX XXXX XXXX XXXX : {$54.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Complaint sub-issue: Problem with fees

My bill was due on XX/XX/XXXX. I paid 1 day late ( XX/XX/XXXX ). I was charged a late fee of {$39.00} on XX/XX/XXXX. This put me over my credit limit by {$1.00}. I was then charged an overlimit fee of {$39.00}. I think that the law is that they can not charge an overlimit fee that is greater than the amount that is overlimit ( in this case {$1.00} ). This identical issue happened on XX/XX/XXXX. This time the overlimit amount was about {$8.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

The account with AQUA FINANCE with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has different evaluations in XXXX, XXXX and XXXX which are both incorrect. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be late.
Complaint sub-issue: Account status incorrect

My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ Equifax and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Account information incorrect

I recently attempted to get a new car loan from a local dealership. The loan was denied and I just received a letter from XXXX XXXX in connection to that loan attempt where they explain the denial. 
One of the credit scores was from a credit reporting company called XXXX, XXXX. I have never heard of this company before this letter and after an internet search, I found hundreds of complaints from all over the country in regards to the misinformation that this company is showing and the inaccurate scores that they report which is hundreds of points below the three well known credit reporting companies that I good scores with.

How can a company like this exist without any knowledge of their existence and allowed to inject misinformation on the citizens of this country? I am just not understanding this as the complaints goes back a few years and there has not been any news from the government on how this is being allowed to occurred.

Based on a number of complaints, this organization requests personal information from those who call them which sounds very much like a scam to obtain that info and it is also alleged that this is a conspiracy to fraud consumers into higher interest rates.

So this XXXX XXXX, which more than 80 % of the complaints indicate was the bank that used this reporting to make its loan decision, should also be held accountable for this as they seem to be complicit with this and I am not sure that certain auto dealership may also be playing this game.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXXm being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Complaint sub-issue: Attempted to collect wrong amount

I have XXXX parent plus loans to pay off. This company has added XXXX additional fees to each loan totaling {$13000.00} Extra they are collecting on the plus loans and the fees go up each month.
Complaint sub-issue: Account status incorrect

ATTACHED IS A LETTER EXPLAINING WHY I WAS LATE FOR THE TWO MONTHS REPORTED. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT ON MY BEHALF FOR I HAVE BEEN AN EXCEPTIONAL CUSTOMER.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have attempted repeatedly to obtain copy of my consumer file from LexisNexis and they have blocked access with error messages and extended wait times. As a result I have been unable to view my consumer risk file that caused my insurance premiums to increase substantially.
Complaint sub-issue: Was not notified of investigation status or results

I never received any correspondence from XXXX, Equifax and XXXX  from when i sent them letters in XXXX challenging items on my credit report. I sent a follow up about 45 days later and still havent received anything
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX - Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! 

DEPTEDNELNET - This account is also showing to be 120+days past due and shows a scheduled payment amount. Again, if this account has been transferred and this company no longer owns it, can they report this information? Answer is : No. You need to correct the current status to say : Paid as Agreed and remove all the negative information immediately. 

DEPTEDNELNET - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay.
Complaint sub-issue: Account information incorrect

My XXXX account number XXXX balance is not right and it need to correct ... .also all payments should be showing on time not no data
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Personal information incorrect

i have an ITIN and when get a report they inform to me that DESEACED or unverificable application information
Complaint sub-issue: Information belongs to someone else

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent a complaint about so many inaccurate details information on XX/XX/2021. but to this day over 60 days have passed I still have no response coming from you. I feel like they are not taking me seriously for some reason, I was told that by law, you were supposed to respond within 30 days so is clearly a violation. I will seek legal help if i need to but I want these inaccurate information on my report deleted. if i need to take this to the next level I would but i hope this issue will be resolved soon and get me cleared from any misleading details. I am going to wait for your response
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00}