Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

XXXX XXXX is reporting that Equifax Credit Bureau reported a hard inquiry from creditor, XXXX, hard inquiry date XXXX XXXX, 2015. I have not applied for anything nor gave written permission to XXXX to have a hard inquiry being reported from them nor Equifax on my credit report. Unauthorized hard inquiry being reported from Equifax and XXXX. Immediate removal of hard inquiry reporting from XXXX and Equifax credit bureau is requested by me as this was an unauthorized nor was a written request made by me and is justified for immediate removal under State of MN credit reporting laws.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX ( XXXX ) account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information is not mine

I HAVE NEVER, EVER HAD AN ACCOUNT WITH XXXX XXXX XXXX BANK. I HAVE NEVER HEARD OF THEM BEFORE. I NEVER OPENED AN ACCOUNT WITH THEM. I HAVE NO CLUE HOW THIS ACCOUNT SHOWED UP IN COLLECTIONS ON MY CREDIT REPORT WITH BOTH EQUIFAX AND XXXX XXXX. 
THANK YOU.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 I XXXX XXXX natural person and consumer pursuant 15 USC 3002 , is aware that XXXX, XXXX, and EQUIFAX are violating my federal consumer rights. The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. The FCRA allows a consumer reporting agency to furnish a consumer report for purposes In accordance with the written instructions of the consumer. I have not given my written instruction to report the following accounts XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX. These accounts have been sold to a third party debt collector. This information has been furnished without my knowledge, permission or consent. Pursuant 15USC 1681 a ( 2 ) a ( iii ) I have the right to be given a chance to direct the information about a transaction I had to be reported or not XXXX XXXX XXXX. Any transaction authorized by my social security number the real credit card defined under TILA pursuant 15USC1681a ( 2 ) b and must be excluded from you consumer report. Pursuant Regulation V a furnisher must conduct a reasonable investigation of a direct dispute if it relates to any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Investigated report must have sources of interviews of family and friends pursuant 15 USC 1681a ( e ).
Complaint sub-issue: Problem with customer service

I have been trying since XX/XX/XXXX to contact Citibank Mastercard in  order to resolve a problem with accessing my account information. My statement is not available online. Additionally, he card number Citibank shows on my online account does not mach the physical card number. They are not responding to online chat, email, or phone contact. System says there is an " unusual call volume '' and disconnects the phone call. The " contact us '' page on the Citibank website is completely blank and appears nonfunctioning. I finally made it through the phone system tonight, resulting in being placed on hold for an hour and thirty minutes. No representative has picked up the phone.
Complaint sub-issue: Personal information incorrect

There are incorrect names and addresses being reported on my credit. This is illegal and unfair to me because these could be other consumers names and information.
Complaint sub-issue: Reinserted previously deleted info

After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX Hospital, the file is again reopened for a XXXX time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX has several erroneous charges reporting to my credit. My insurance and Health Share plan are currently paying these off and I never received a notice for any of these collections before they were added. My Health share advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.
Complaint sub-issue: Account status incorrect

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 166XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me XXXX  days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.
Complaint sub-issue: Reporting company used your report improperly

Equifax cyberattack. " Based on the information provided, we believe that your personal information may have been impacted by this incident ''
Complaint sub-issue: Their investigation did not fix an error on your report

Submitted numerous disputes with fraudulent credit card, XXXX Credit Card, and with all of the credit bureaus, showing on my credit report. Submitted multiple times, through fax and mail my police report, identity theft report id and copy of the regulations requesting immediate deletion from my credit report. XXXX and XXXX  have both deleted this account. Equifax has NOT. I followed up numerous times to get status updates and have been told for over 30 days multiple times that it was still being investigated. This needs to be corrected immediately.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I am writing this letter of dispute about a fraud remark on my credit report with Equifax. This matter derogatory remark is saying an account opened XX/XX/XXXX for {$210.00}. And the 1st delinquency XXXX with XXXXXXXX XXXXXXXX XXXX XXXX I have made several attempts to resolve this matter with XXXX XXXX XXXX and Equifax when it appeared on my credit report. XXXX XXXX XXXX is having trouble with producing and sending me a list of all the billing history and the itemized transaction for this account. I need to thoroughly investigate this matter since Equifax has refused. 

The only documents I received with another person 's name crossed out and someone filled in my name on a contract that was not authorized by an officer of the company XXXX. The contract is showing a zero-balance dated XX/XX/XXXX. With a different ink pattern where someone decided to print my name or copy and paste it on this contract. 
XXXX XXXX XXXX have also sent me someone else credit card info. I have double-checked all my credit cards it does not match with my credit cards. 

I have also requested Equifax to send me the personal information they supplied to XXXX XXXX XXXX about this matter. And how was this account verified as correct? I have certified mail this information To Equifax regard unfair practice and deceptive information.
Complaint sub-issue: Account terms and changes

I have been working for the last week to temporarily lift a feeze on my equifax credit report. I called in, and they informed me that I have fax them proof of my current address in the form of a copy of my driver 's license and a bank statement. I faxed them this information twice, and received successful transmission confirmations both times. Yet when I call in, they tell me that they have not received the documents. So it would appear that they are losing my personal information. They are giving me no options to release the freeze over the phone, they only say that I must either fax the information or mail it. I am hesitant to do this, as I am afraid that they will just lose it again. I find it to be absolutely ridiculous that I am unable to release a freeze on my own credit score, and that equifax has misplaced secure documents that I was asked to provide to them.
Complaint sub-issue: Application denied

Denied credit application direct violation of 15 U.S. Code 1691 ( a ) ( 3 ) 15 U.S. Code 1691 ( b ) ( 3 )
Complaint sub-issue: Information belongs to someone else

Fraudulent account identity theft XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount XXXX Original creditor XXXX XXXX XXXX and XXXX XXXX XXXX  Unknow person opeond Original account in XXXX account was deleted from all 3 credit reports and founded as fraud Somehow after 2 years the account found its way to collection company after previously being deleted from Original creditor on all 3 reports I provided as much evidence as I could in the pictures I sent as you can see in the photos the original account was deleted and as you can see in the photos the original account number and the current account number are the same as the account that was deleted 2 years ago Could you please stop allowing the original creditor to send this account to collection agencies when the original account has been deleted and I was not found responsible for the fraudulent account
Complaint sub-issue: Report improperly shared by CRC

XXXX showed up on my credit report on XXXX/XXXX/15 as a hard inquiry on XXXX/XXXX/15. I immediately filed a investigation with Equifax and within XXXX hours they closed the case stating Inquiries are a factual record of file access. I called the # Equifax provided for XXXX, XXXX and spoke to XXXX, today XXXX/XXXX/15. I asked how they got my information to view my credit report when I didnt apply for credit or authorize them to view my credit report. He could not tell me and asked that I fax my name, address, phone # and last XXXX of my social to XXXX. I do not feel comfortable doing so as that is all information that can be used to obtain credit fraudulently. I have read online, NUMEROUS accounts of XXXX placing a hard inquiry on people 's credit reports. I will not stand for them to comit fraud!
Complaint sub-issue: Reporting company used your report improperly

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 consumer reporting agency can not furnish an account without my written consent and instructions XXXX XXXX XXXX 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: Charged too much interest

Citi Bank credit card gave me a 24.50 % interested rate when I have a XXXX fico score with all three bureaus and have not missed a payment gone over 20 % utilization on any card in over 8 years. My debt ratio is 40 %. I called them, they could not answer and would not answer me why my rate was given at 24.50 % with an exceptional credit score and history. The manager who said she was recording my voice for some voice print technology which I am against said you won't get that information from Citi it is proprietary. I want to know why they give rates over 20 % to almost perfect credit histories then can't and won't explain it. I want written explanation of how rate was arrived at.
Complaint sub-issue: Personal information incorrect

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS ARE OR HAS RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INCORRECT ACCOUNT XXXX XXXX XX/XX/XXXX ACCOUNT XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Account information incorrect

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account shows a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. Also, Equifax and XXXX  are not investigating this negative account reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of this account and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows this account as not in dispute, when this account is in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review this account however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I have new and updated information. Pursuant to 15 USC 1681i, Equifax is required to provide me a description of its reinvestigation procedure. The reinvestigation results Equifax mailed me with confirmation number XXXX, did not describe its reinvestigation procedure as outlined by federal law. I am requested that Equifax deliver its dispute results via the CFPB portal to this complaint and not close the complaint until it is completed and compliant with 15 USC 1681i. Previous complaint : I have previously disputed alleged accounts for XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and Department of Education however, Equifax alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Equifax or any creditor possesses the power to verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX. Department of Education XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX Also the following inquires must be blocked and deleted as they are not accurate : XXXX. Equifax Mortgage 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: Reporting company used your report improperly

I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record of doing business with these companies. If these items are not deleted from my credit report immediately within 30 days. I have documented all correspondence with your company.
Complaint sub-issue: Information belongs to someone else

In XXXX XXXX  I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX class at XXXX XXXX XXXX. It was with XXXX & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my EQUIFAX & XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF ED/XXXX XXXX was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a XXXX.
Complaint sub-issue: Personal information incorrect

EQUIFAX- I was Unable to obtain annual free credit report- at XXXX ( rec 'd the other 2 -XXXX & XXXX - very simply ) Several hours on phone with multiple EQUIFAX representatives- finally able to obtain access to https : //my.equifax.com/membercenter/ # /credit/summary Unable to " Verify Security Questions '' as EQUIFAX information is incorrect/wrong : Equifax has MY CURRENT Address listed as Previous Address and my Previous Address listed as Current Address Equifax has Incorrect Employer Information- When I Tried to Include a " Personal Statement '' to Add Current and Previous Employer- Site showed " use only Valid characters '' which I typed statement in ALL CAPS no other characters except numbers for the dates- but not able to Print simple PDF Credit Report- which has incorrect information- EQUIFAX representative gave me a Dispute Phone # of XXXX which is a disconnected #. Then XXXX Representative gave me XXXX as a Dispute # and I was told they couldn't " Verify my Identity '' and couldn't update my Address
Complaint sub-issue: Reinserted previously deleted info

In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK and other accounts. Equifax removed the information once I supplied them with my police report and other pertinent documentation, however they re- inserted the fraudulent accounts back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the accounts remain on my credit. Once again the fraudulent accounts were removed and re-inserted with out notice!!! The accounts were not MANUFACTORED BY ME!! 
The following accounts were re- inserted to my credit and I would like for them to be re- deleted!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lien XXXX Lien XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX was our mortgage broker. It is reporting as XXXX XXXX. When we had to XXXX we found tenants right away for the first year. The second year we were struggling to find a tenant. I called into XXXX XXXX XXXX XXXX XXXX to defer the payment for XX/XX/XXXX and XX/XX/2017. Once we got tenants in I called back and paid XX/XX/XXXX and XXXX in XX/XX/2017. The first amount was for {$2300.00} on XX/XX/2017 and the second amount was {$1500.00} on XX/XX/2017. They reported that I was late making the payment for XX/XX/XXXX and   XX/XX/2017. I have disputed the claim that the payments were late through the company several times over the years.
Complaint sub-issue: Charged too much interest

Our Discover Card payment was due on XX/XX/XXXX. On XX/XX/XXXX I paid off the entire balance of {$8500.00}. On XX/XX/XXXX I noticed there was another balance on the account and paid the full balance of {$250.00}. The very next day, they had a balance of {$63.00} for interest. I contacted them about the never-ending scheme they had going on and they ignored me. 
I paid it off again today, XX/XX/XXXX. I have made three payments, in FULL, this month.
Complaint sub-issue: Information belongs to someone else

Credco added a hard inquiry to my report that I didn't authorize. Company could not provide me with verifiable proof of hard inquiry which violates fcra requirements.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting 90 plus days late on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) The date of last activity was in XX/XX/2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Complaint sub-issue: Problem lowering your monthly payments

My current loan has a payment plan of {$190.00}. I contact Sallie Mae to reduce my monthly payments because my husband was in a XXXX XXXX XXXX XXXX  and we are trying to get our finances back on track after his recovery. I have explained my situation to Sallie Mae and they would not assist me in reducing my monthly payment because they feel that my current checking account and savings account is sufficient enough to continue with my current repayment plan. The customer service representative I spoke to said, " You can borrow money from a family member or even get a loan because you don't have a restitution plan in place and I'm not confident you will make your monthly payments if we lower them. '' Then proceeded to tell me that I was approved to have my loan reduced to {$150.00} per month, but said that because I don't have a restitution plan she was not able to help me and that my current payment plan is manageable enough and I could use the money in my savings account. Sallie Mae 's customer service is rude, demeaning, and unsatisfactory.
Complaint sub-issue: Other problem getting your report or credit score

I have tried several times to login my credit report on Equifax with no luck. I can reset my password and after that I cant login. I have spoken with their tech support and they couldnt help. I need to dispute an account on my report. As for the dispute I was an authorized user on my Mothers account which I requested to be canceled. The other reporting agencies have deleted the information from my account but for some reason it still shows up on equifax