Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was solicited multiple times to request a credit line increase. I submitted to credit line increase on XX/XX/2022. I was provided absolutely no disclosures at any time stating a hard inquiry would be initiated for this process. Ive requested multiple credit line increases with other cards with no hard inquiry. It is not a standard practice whatsoever. I absolutely did not agree to let Elan run a hard inquiry under any circumstances in writing or electronically. This inquiry was done without my express permission. I carry over XXXX in revolving credit with a {$0.00} balance across 7 cards with 3 perfect ( XXXX ) XXXX  Bankscore 8 credit scores. I would never have agreed to a hard inquiry and I did not do so in this instance. This is a fraudulent inquiry without my express permission. I also put a 1 year fraud alert on all three credit bureaus. No one required verification to allow this inquiry as required.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is still reporting collections on my credit report that I have asked them to investigate and they didn't complete a proper investigation. The collections were XXXX XXXX and XXXX. I would like a full investigation into this accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it when I first noticed the faurd I contacted XXXX XXXX right away and let them know.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been filing complaints for 2 years and nothing has been resolved the only thing the XXXX and Equifax and XXXX is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about XXXX inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XX/XX/XXXX until XX/XX/XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.
Complaint sub-issue: Problem with statement of dispute

I have been issuing credit disputes regarding medical bills and car loans that were my ex husbands, and as soon as they take it off the report it is put back on causing my credit score to drop almost XXXX points. The personal information is also incorrect and I have submitted a copy of my drivers license and social security card to no avail. I am wondering why they are continuing to keep dropping my credit score over and over again. I have no new accounts and this seems to be discriminatory actions. 
I would like these medical bills removed from my account completely. The insurance paid what was agreed upon and now I am being billed what they think I owe. The main companies are XXXX XXXX XXXX and XXXX XXXX XXXX. 
Also, I believe that my credit score should be no less than XXXX from each of the reporting agencies after this issues are corrected because I have opened no new accounts and the XXXX accounts that I have are continually paid on time. 
Thank you.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( XXXX in total ) Late payment in all accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Complaint sub-issue: Reporting company used your report improperly

Enhanced Recovery Co L XXXX XXXX XXXX XXXX FL. XXXX Collection opened XX/XX/2020 {$1200.00} Enhanced Recovery is not a license business in the State of Oklahoma, therefore, they can not lawfully report to the credit bureau, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed late payments on my XXXX, XXXX and XXXX credit report and provided proof that the original creditors were contacted, and the late payments remain. XXXX, XXXX and Equifax are in clear violation of my rights as a consumer. I sent over a letter received from XXXX on XX/XX/2021 advising that all late payments should be removed and as of today XX/XX/2021, they remain. I sent over a letter sent to me from XXXX / XXXX stating to discharge and remove any late payments and as of today XX/XX/2021, they remain. The below listed accounts have not been resolved and late payments still remain : Account Name : XXXX Late Payments : XX/XX/2021 and XX/XX/2021 Account Name : XXXX Late Payment : XX/XX/2021 Account Name : XXXX  XXXX Account Number : XXXX Late Payment : XX/XX/2021 Account Name : XXXX XXXXXXXX Account Number : XXXX Late Payment : XX/XX/2021 2021
Complaint sub-issue: Their investigation did not fix an error on your report

So upon checking my credit and going over my credit reports I found out that their was a bankruputct reporting on my credit report. When I saw that this was on my credit report Itook action and ask the Credit Brueas to remove this off of my credit report. They respose to me was it was verfied. How can they just say that it was verfied when I never gave them permission to verfiy it. 

The Bankruptcy is Dated on my report as XX/XX/2018. 

I have asked them numerous of time to remove this.This harming me and my kids by me being the sole provider. I am unable to get the job that I need. 

Per 15 USC 1681k ( 2 ) and 15 USC 1681 ( c ) them reporting this information is wrong.
Complaint sub-issue: Information belongs to someone else

A personal loan was applied for and distributed fraudulently in my name on XX/XX/XXXX. I do not have access to any of the accounts involved. I have contacted the credit bureaus and the original furnisher and received a response from XXXX on XX/XX/XXXX. They also requested a copy of my ID and bank statements via email on this date. I submitted the documents that were required from me on XX/XX/XXXX. On XX/XX/XXXX, I received a confirmation that my inquiry is being investigated. I have yet to receive a response from XXXX.
Complaint sub-issue: Problem getting my free annual report

I attempted to obtain my free annual credit report from Equifax. I provided all of the essential information that Equifax requested. They replied that I would have to submit sensitive personal documents through the US Mail to them before they would further consider my request. First, if I have to spend money for postage that does n't sound like a free report to me. Additionally, a private company could give the same information that I gave and instantaneously receive back the same report without question. I then opened a dispute calmly stating that I would be contacting the FTC should they not comply. They responded back that I would either have to telephone or contact them by mail to obtain my free report. I even gave them additional time to complete my request before filing this complaint today, so they had a chance to make this right and knew that I might involve the FTC -- and they blew it off anyway. Why? Maybe because they think the rules do n't apply to them. Trying to obtain something that is supposed to free online with no strings attached should n't include an ordinary citizen having to jump through bureaucratic hoops just because they 're not a big company. I 'm glad I fought back even though they may retaliate against me because it 's time to stand up for our legal rights.
Complaint sub-issue: No notice of investigation status/result

I am a victim of IDENTITY THEFT. I have notified the XXXX CA. PD on XXXX XXXX XXXX. XXXX Investigator in Fraud Dept deemed the account as Fraudulent with Identity Theft. I TOLD Equifax in XXXX XXXX -- 8 MOS. AGO THAT THE HARD INQUIRIES FROM XXXX AND COLLECTIONS ACCOUNT WAS FRAUD! I am reporting Equifax to CFPB govt office for not properly verifying ANY FRAUDULENT activity despite my several DISPUTES! Equifax kept saying " the account has been verified ''. If a thief has my SS, name and Date of Birth, of course that fraud is going to be 'verified '. BUT when I told the CB that I DID NOT own or have an account with XXXX, Equifax insisted the account was MINE and LEFT THAT ON MY CR wrongfully! Now I need to buy a car and I CAN NOT because those criminals also used my identity to do several other fraudulent activities, which Equifax may have helped me catch that but instead also left on my reports! I am angry because Equifax DOES NOT VERIFY ANYTHING despite what they say! I now am suffering the consequences and can not buy a car I so desperately need. DO SOMETHING CFPB you are the govt offices that can impose fines for reckless credit bureau reporting!
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I am a resident of New Jersey, currently in lockdown still from COVID-19. XX/XX/2020 I started a payment plan with Discover Card to get my credit card under control ( Before the pandemic grew to the size it is now ). On XX/XX/2020 a payment was automatically taken from my bank account from Discover. At this point I had lost my job from COVID-19 and I contacted Discover to get a refund and cancel the payment plan. They issued a refund check by mail and said ( in writing in their messenger section of their XXXX app ) that the payment plan would be cancelled. On XX/XX/2020 a payment in the form of an automatic check was sent from my bank account to Discover card. I immediately contacted Discover card over the phone and tried to get the money back and explained my situation. They said that there was no history of me asking for the plan to be cancelled and that it could not be cancelled. They then put my case in review. On Thursday XX/XX/2020 I received a call back from Discover. They said the money was not able to be refunded and that the plan was not able to be cancelled. They told me that in order to push back the upcoming payment in XXXX that I would have to call at least 3 days before hand. After this I contacted my bank where I found out that I could not stop the payment or get it refunded on their end because it was in the form of a check which they made out to Discover in my name. Discover had somehow set up a bill pay on my personal checking account that I can't even access to cancel or stop it from happening. This is ridiculous. I can't find anyway to stop these payments aside from hoping that if I call a few days before hand that they'll push it back a month.
Complaint sub-issue: Can't decrease my monthly payments

I recieved this parental loan in 1995, I had borrowed over {$9000.00} and have repaid {$13000.00} I still have an outstanding balance of {$14000.00}
Complaint sub-issue: Account status incorrect

I received a notice from transition, Equifax, and XXXX that my XXXX XXXX account was late for XXXX, XXXX, & XXXX of 2022 and has a balance of {$41.00}. This is inaccurate information that was reported to all three credit reporting agencies. 

I paid my account balance on XX/XX/2022. Since then, I have not had any activity until unexpected activity in XXXX for a credit of {$41.00} that I am unaware why exists but is showing up as a balance instead of a credit on my credit report ( no activity has occurred since XXXX of 2022, so I have no idea why there is any activity occurring on the account ). 

I disputed it with XXXX, Equifax, and XXXX and the 3 months ( XXXX, XXXX, and XXXX of 2022 ) that it lists late payments were not removed. In addition, it lists now that there is a {$41.00} balance, even though there is no balance, other than a credit, on the account. 

I have never been late and do not have a balance.
Complaint sub-issue: No notice of investigation status/result

Equifax refuses to properly investigate an inquiry that was n't authorized and is fraudulent. On XX/XX/2016 I had an inquiry form XXXX
Complaint sub-issue: Account terms

I have a serious problem with disconnects between credit scores. I recently obtained my fico scores from my fico. The scores reported were Equifax XXXX XXXX and XXXX XXXX. I thought these scores were n't great but the were high enough for me to qualify for a mortgage. Wrong. I find that they have a separate score foe mortgages that were about XXXX points LOWER than the scores given to me. How can this be? So here I am excited at the prospect of owning my home and I come to find out that probably will never be. Yes I have had some credit problems 6 years ago! I would like to know how these scores are derived. Something has to be amiss. I am a single mother and XXXX veteran and because of these faulty scores I ca n't even use my va loan benefit. It appears that this whole credit reporting thing is a scam. In the past 2 weeks I 've spent about {$100.00} to get faulty information. These people are not regulated properly and people with mistakes that the credit bureaus refuse to fix pay the price.
Complaint sub-issue: Didn't receive notice of right to dispute

There is a collection on my account that was posted in XX/XX/XXXX. I have disputed it with XXXX and I sent 3 letters of validation to this unknown company. I have never done business with Plaza services or loan by phone. This company has never called me and never responded to any letter after over 6 months. XXXX I have been disputing since XX/XX/XXXX on and I have a feeling this is from the XXXX and now 2 other breaches my information has been leaked. XXXX is also at fault for having no information on this company or correctly validating any of this information. Plaza services is fake or if they have been one of the robo callers that leave threatening recorded messages. I will never pay this collection company they never sent me anything by mail to dispute this and have violated the law and I will sue them for their violations of keeping on credit without proof, never responding to letters of violation and not never sending anything to dispute. With these violations alone I will sue for the max of {$5000.00} Consumer lawyer will has all of the documents and explained how they have violated the laws. XXXX is also at fault because since XX/XX/XXXX I have been sending them inquiries on my credit report that I never made and told them to remove and they still have not nor do they do their job in correctly validating them which has caused financial damage. I will not pay Plaza Services anything
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an error on my credit report with Equifax credit bureau because I am a victim of identity involving collection account with XXXX XXXX XXXX and XXXX XXXX XXXX amount of {$590.00}. I've never had XXXX XXXX services because I've been a customer of XXXX for the last 15 years and still currently still utilize their services. Equifax agreed with the collection agency without adequate investigation measures. The collection agency won't provide me with the original XXXX XXXX documents and is asking me to pay {$590.00} not the {$590.00} as Equifax is reporting.
Complaint sub-issue: Account status incorrect

I have a 36 month installment loan with lending club opened on XX/XX/XXXX. Today I checked my XXXX Credit Report and FICO. My FICO score dropped from XXXX to XXXX. 

The drop on score was due to lending club reporting my account 30 days late for XX/XX/XXXX which is incorrect. I have never paid this account 30 days late either it was within the grace period or paid late but before 30 days.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/19 some nefarious criminal who had somehow gotten a hold of my SSN and home address opened a credit union account in my name. 
I subsequently worked with XXXX XXXX XXXX XXXX ( XXXX ) to close the account, reported it to the local authorities and my credit monitoring agency, filed a fraud report with the Federal Trade Commission and had my credit frozen by all three credit rating agencies. 
I then filed disputes with the credit rating agencies to get the XXXX account removed from my credit file, because it was opened fraudulently and should not be on my credit record. 
However, all they did was verify that it was 'valid ', which it most certainly was not, and frankly, my SSN was probably compromised by the Equifax breach a few years ago. 
I need the record of this illegally-opened account purged from my credit record, so I am reaching out to the CFPB to do this. 
It's just criminal that a tax-paying, law-abiding American citizen gets his identity at least partially stolen and no one cares or will do anything about it, so the least that could be done is to expunge this XXXX account from my credit record. 
Thank you, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Complaint sub-issue: Account status incorrect

By far the worst experience I ever had with any financial company. This company is scam and should be shut down! 
This company is violating the laws ( UDAAP ) and needs to be held accountable. 
My story : Unfortunately I foreclosed on my home in 2018 and received a debt cancelation documentation from my lander at the time ( XXXX ). I ended up taking a huge loss and paying almost 30k to IRS to cover this free money that was forgiven by lander. 

This other company started contacting me recently via mail ( XXXX ) stating that they are my lander now!?!?!?!?! How can they be my lander if I dont even have an open loan ( with them or anyone else ). 
I contacted them attempting to clarify and resolve this mix up. I was already upset and wasnt very nice to several reps/managers who were asking me ridiculous questions and not willing to help in any way. Only thing I was asking is to be removed from their mail list and for them to stop contacting me about the loan I no longer own. 

Well, someone from this company decided to retaliate and reported a new open loan with 24 no/late payments to the credit agencies. 
My credit score went down 150 point for the loan that I dont even have!? 


After several hours on the phone, I spoke to two different supervisor and no one could tell me what in the world is happening. They both ensured me this will be handled with urgency and this remarks will be removed from my credit report. 
Well, 2 weeks later nothing was changed. 

Just spoke to another rep from this company who refused to transfer me to one of the supervisors, was extremely rude and obnoxious and ended up transferring me to no one ( hanged up on me ). 

This is completely unacceptable and I'm counting on CFPB to assist me resolve this situation and quickly. 
I did some research on this company and couldn't find a single positive review from any of their customers. 
Please contact me if you require more information.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  are falsely reporting that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports 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 XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Funds not received from closed account

My business accounts for XXXX XXXX XXXX, and XXXX XXXX XXXX. were closed at PNC Bank on XX/XX/2019. 

The funds in the accounts for XXXX XXXX XXXX. were {$19000.00} not including the {$21.00} they charged for a service charge for period ending XX/XX/19. I've never paid a fee like that before. It was taken for what reason I do not know. The funds for XXXX XXXX, XXXX. have still not been received. 

The funds for XXXX XXXX XXXX. were {$40000.00} not including the {$78.00} service charge that I was charged for again, I have no idea. I've never paid that before. 
the funds for this closed account have still not been received. 

Today is XX/XX/2019. Amost an entired month without my money.
Complaint sub-issue: Frequent or repeated calls

EOS CCA repeatedly contacted my home and cell phone numbers over and over allegedly regarding a XXXX account. The account was paid directly to XXXX XXXX. Someone named XXXX kept calling and was speaking so fast that she could not be understood. She became abusive and started calling more when she was told to STOP talking so fast and to STOP calling.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX, used to have a internet service account with XXXX. I thought I had settled my account back in XXXX of XXXX. I paid the outstanding balance off using a gift card and made note of the confirmation number the XXXX agent gave me. Confirmation number XXXX. After that call ended I placed the remaining balance out of sight and out of mind. After that account was settled I never heard from XXXX ever again. I received a credit alert today XX/XX/XXXX from my XXXX monitoring account stating a recent debt collection was added on my credit report. When I contacted XXXX XXXX XXXX XXXX ( XXXX ) XXXX, the agent rep who first attended my call was rude and did not allow me to plead my case. I remained calm and asked to speak to a supervisor XXXX who was more rude and uncouth.I stated to XXXX XXXX that I had never received a letter from the Company and never have I spoken to any of there agents. When I asked for date and time the Supervisor XXXX failed to give me the information. The supervisor told me get a subpoena if I wanted those details. The collection amount is {$140.00}, after my failed attempt to resolve, I reached out to XXXX and explained the issue. XXXX is pulling my call from XX/XX/XXXX to assist to see what they can due on there end. How is someone supposed to resolve a debt they aren't even aware of it. XXXX did confirm the amount of the debt is {$100.00} dollars and not {$140.00}. Please assist us, as the account should not be reporting and this negatively affecting our credit. The company never gave us a fair chance and an opportunity to resolve.
Complaint sub-issue: Called before 8am or after 9pm

XXXX XXXX bought my installment loan from risecredit. I am the process of selling my home. When my home sells. I will pay off the amount that I borrowed not any interest or late payments. I just would like to notify XXXX that I will pay this off once my house sells.
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND 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 XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.