Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX, at approximately XXXXXXXX XXXX I applied for the Discover Cash Back Credit Card. My reason for doing so was specifically to take advantage of the advertised 15 month 0 % APR for purchases and balance transfers, to simultaneously consolidate my debt and build my credit. During the application process, I was experiencing performance issues on the website, with long delays between each stage of the application. Near the final stage of the application, a screen came up informing me that the advertised introductory APR would not apply, and I was instead offered an alternative, very high APR, not at all close to what was advertised. I had no intention of agreeing to this offer, but due to either input lag and/or website error, this offer was accepted without my consent or agency. I called Discover immediately after to dispute this and ask that the involuntarily accepted offer be voided without having a negative effect on my credit card, but I was informed by the representative that my only option was to close the account and no matter what this would be listed on my credit report. 

I am writing to the XXXX XXXX office to ask that this matter be reviewed. As an XXXX raised in poverty, it has taken me a very long time to build up my career and credit, and I don't wish my progress to suddenly and drastically be reduced due to a technology error. I had no intention of accepting the exploitative offer that replaced the advertised introductory offer, and I would like for this application, account and credit check to be entirely voided from all my credit reports without any penalty to myself.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, UNIVERSITY XXXX XXXX, US DEPT XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made an online purchase in XXXX on my Discover card for {$470.00}. Monthly I contacted the company, XXXX, to get updates on merchandise. In XXXX, XXXX stopped responding and the web site disappeared. My merchandise was never delivered. I alerted Discover by phone end of XXXX and sent the documentation I had on the XXXX of XXXX including my original order, all the correspondence I received and sent from the company as well as the fact that the company no longer had a web site and was no longer responding to emails. Discover did an " investigation '' and despite not talking to the merchant or having any evidence that my merchandise was delivered found the charge valid and will not refund my money.
Complaint sub-issue: Debt is not yours

IQ Data International IncXXXX is a third party collector. I was renting an apartment in XXXX XXXX NV. In XX/XX/2018 my lease was set to expire. The property was purchased by new owner and name the apartment XXXX XXXX. My apartment, air conditioner, stove, refrigerator, washer and dryer was in need of repairs and also the complex was roach infested. The new owners was remodeling the apartment by sections. I was told by the apartment managers that they would not be making any repairs because they were remodeling every unit with new appliances and hardwood floors instead of carpeting. I was offered to moved into a remodeling unit at increased rent and the renewal of my lease. I advised them and gave them a written 30 days notice that I did not want to move into a higher rent apartment and that I would not be renewing my lease. The building I lived in was the next building scheduled to be remodel and I was one of the last tenents. I was offer if I could move out by the XXXX of XXXX, they would agree to forgive the 24 days of my lease and any fees due. I agreed and moved out and return all keys on XX/XX/2018. They forward me a bill for cost on XX/XX/2018 and wrote them back about the fees and the agreement. They sent me an updated bill dated XX/XX/2018 evidencing the write off of all fees. However, XXXX XXXX did not want to honor the agreement and apparently sold this to a debt collector.
Complaint sub-issue: Didn't receive enough information to verify debt

Hunter Warfield took collection from my former leasing company XXXX at XXXX XXXX. Despite the fact the XXXX had my email and I left a forwarding address they never sent me a bill. I was totally unaware of the amount owed until I started receiving frequent and aggressive calls from Hunter Warfield. I informed them that I have never received a bill or any type of notification from XXXX at XXXX XXXX before being turned to collections. The collector Hunter Warfield had been calling me for months before they finally sent a summary of an amount owed with no details. I have been unable to validate the bill or what I am even being billed for to date. I informed Hunter Warfield that refuse to make payment on a bill I am unable to validate. I also don't think I should see credit impact without first being informed what my charges are for in detail. I was never even given that chance to resolve the bill with XXXX and now am unable to substantiate charges to work on resolution with Hunter Warfield and in the mean time I continue to be charges interest and have my credit negatively impacted with no real means of solution.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX   partial account numbers XXXX and ( 90 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Personal information incorrect

I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and  they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists on my credit report.
Complaint sub-issue: Account terms

Equifax Credit Bureau has a collection account listed on my credit report that was sold or transferred from the original creditor, XXXX XXXX XXXX, to the collection agency, XXXX. There is no date listed on the account of when the originalcontract with XXXX began. That date is XXXX XXXX, 2008. I have writtenEquifax on numerous occasions to have them put this date on the account, and they havenot done so. Please have them list this date as soon as you receive my complaint.
Complaint sub-issue: Debt was result of identity theft

They purchased debt that was over 7 years and and already taken off my credit report. They are putting it on my credit as if it was new debt. They are trying to collect the funds for another 7 years.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-XXXX  accounts listed 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 
THE BANK XXXX XXXX XXXX Late payment XXXX, XXXX account never been late. 
XXXXXXXX XXXX XXXXXXXX Late payment XX/XX/XXXX account has never been late. 
XXXX XXXX - XXXX Closed Account account XXXX XXXXXXXX, XXXX agreed to remove the account from report but closed the account instead. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX Incorrect Names- XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Account information incorrect

I have tried everything to resolve the issue from writing XXXX XXXX a letter to calling to disputing the issue with the bureaus but nothing has worked as they are refusing to acknowledge my request the XXXX at XXXX XXXX laughed at my concerned and said i would never be able to remove the remark as they say was reported correctly the issue is that it was NOT i paid my lease every mo the on time they failed to report an excise bill and too the money from my monthly hill to pay the excise bill when confronted why they shared that it was a system issue they have and was processed that way
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information belongs to someone else

Credit agency is reporting thw wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) is wrong. 

They are also reporting a fraud account on my report from XXXX Correct my address and remove the fraudulent address from my reports. 
Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX   XXXX # XXXX This is not my account. 

My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There is a inaccurate account for utitities on my credit report. The account is L.J. Ross & Associates. This is inaccurate because I was XXXX for XXXX XXXX military. My orders are attached
Complaint sub-issue: Debt is not yours

Carter young inc has reported on all 3 credit reports of mine that I owe XXXX dollars for an account that I have stated and sent in proof numerous times that it is not mine. The collections amount is over XXXX dollars for a student apartment my daughter rented when she moved out she sublease apartment to another college student which was approved neither of us is any longer responsible we were told that by the company. I have called numerous times and this has not been fixed. The company the villas assured us this would not go into collections if we found a subleaser. Also calling Carter young I was hung up on twice told they would not send a copy of documents and threatened to be sued which is according to my rights illegal.
Complaint sub-issue: Reporting company used your report improperly

On the documents attached below provides information about a job employer who requested my credit report during a screening. This request should not show as a hard inquiry on my credit report, as this is not a lender. Please remove this hard inquiry from XXXX Police Department that was done on XX/XX/XXXX and XX/XX/XXXX. This should be shown as a soft inquiry which does not affect my credit score. It should not be shown as a hard inquiry as I observed on my credit report. After doing research and getting information from bureaus. An employer doing a background or credit check should not be listed on my credit report as a hard inquiry. Every year this employer is required to do a credit and background check on all employees. Therefore it will be a lot of yearly inquiries, but shouldnt be hard inquiries or shown to anyone seeking my credit file. Please do not add this employer to my credit file, as this is a federal company and private company. I also do not want my employer displayed on my credit report :
Complaint sub-issue: Information belongs to someone else

I found two hard inquiries on my XXXX credit report, one for Citibank on XX/XX/XXXX, the other for XXXX XXXX in XX/XX/XXXX. Both of these brought down my score and I have no association with them whatsoever. I believe someone used my information to finance some furniture or open up a new card.
Complaint sub-issue: Was not notified of investigation status or results

I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results.
Complaint sub-issue: Debt is not yours

The Citi Bank credit card in question was closed and paid in full with XXXX balance as of XX/XX/2022. No other activity had occurred from me. The card keep auto attempting to chard a payment to my Check account with XXXX  XXXX XXXX. My Bank representative filed a fraud complaint and it stopped until recently. 

They contacted me that I have an outstanding balance because they credited my check account by {$150.00}. They did not credit my back account nd there has been XXXX activity. 

I have call 5 different representatives over the phone and explained there is no active account and any claims for charges are fraudulent.

They will not stop and I need you to avail your assistance. 

I have a letter from the XXXX  XXXX XXXX representative who can verify that their claims are false and no activity from Citi Card with my checking account has accured since the account was closed XX/XX/2022.
Complaint sub-issue: Inadequate help over the phone

Equifax score is XXXX point less then all other reporting companies the reports identical for all XXXX. 
ive tried calling and you are put on hold for 40 minutes and then the phone just keeps ringing.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by XXXX , XXXX on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no negative marks. 
I called XXXX who informed me that the debt was in relation to a visit to XXXX XXXX XXXX Hospital in XXXX or XXXX of XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked XXXX what address the bill was sent to. I was told that it was sent to an address that I last lived in XXXX of XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of XXXX and XXXX XXXX XXXX Hospital. XXXX said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( XXXX ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX Hospital XXXX in the XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX Hospital XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX   Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT.Wrong Address : XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

SOMEONE USED MY IDENITY TO OPEN A CITI BANK CREDIT CARD WITHOUT MY PERMISSION.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has handled a few disputes related to the account XXXX XXXX/ XXXX XXXX on my EQ credit report. Virtually no corrected information has been updated or added to the account has happened. 

XXXX XXXX  in XXXX of XXXX sent me a letter after a complaint was filed with the the cfpb containing what they claim is the correct account information and history for the XXXX account. using that same letter with information compared to the info listed on my EQ CR payment dates are incorrect, date of first delinquency is as well and other errors are present. 

unfortunately i have yet to dispute the account with the info in the XXXX letter, because a dispute filed on XX/XX/XXXX D # XXXX is currently at 43 days and counting. which includes an incomplete dispute of the XXXX  account. ( tried to update and cancel dispute early on, was turn down ) The account listed on my CR as XXXX is a charged off ( XX/XX/XXXX ) and closed account that was sold off ( XX/XX/XXXX ) and XXXX XXXX is no longer collection *above info taken from XXXX letter to me. * In XXXX of XXXX and XX/XX/XXXX EQ has listed C/O 90 day late payment negative marks on my EQ CR. for an account that has been closed since XX/XX/XXXX these countless errors in reporting this account has caused my credit great stress. but the erroneous missed payments for a closed account of over 5 years before has been a black mark on this CR for over a month. it single handily was the reason i was denied a car loan refinance 2 weeks ago. that 120 plus dollars a month and interest rate cut that i was depending on greatly for budgeting going forward. this account and its errors have been ignored across all 3 CRA to the point its laughable. But the parent company sending me a letter that contradicted all the almost all listed info in the accounts, should have fixed the issues. But, no EQ listed more errors and have left a dispute open over 2 weeks past 30 days keeping me from trying to fix this account.
Complaint sub-issue: Reporting company used your report improperly

My information was stolen in the hack of Equifax 's data stores. I confirmed that my data may have been affected on their site : https : XXXX. 

I submitted a credit watch and have looked at my credit report : no issues so far. It is messed up that a credit company does not have secure databases. ESPECIALLY when that database contains information that can mess up people 's lives for years to come.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX D.O.B XX/XX/1992 XXXX # XXXX I am not an attorney or a third party, I am filing a complaint on my own behalf because it is my legal right to do so. I have had my income affected by the Pandemic Shutdown. I am requesting accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am in the process of refinancing my Car loan and I need help with the late payment and repo reporting is inaccurate. 
Please update the following reported account to a current status XXXX XXXX XXXX  XXXX XXXX XXXX. I have two unverified account that are not reporting correctly I new had any legal business dealing with the following companies : XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX. I HAVE DEMAND LEGAL DOCUMENTS FROM THESE COMPANIES BEFORE I RECEIVED NOTHING IN WRITTEN CORRESPONDENCE. PLEASE DELETE/ REMOVE THE ACCOUNT AT ONCE!! 

I have found Cell phone numbers on my account that do not belong to me!! 
( 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