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

XXXX XXXX XXXX XXXX XXXX XXXX Equifax Equifax Credit Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX requested a copy of police report in order to remove from credit report, company never respond after sending necessary documenation in XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked due to negligent security measures, and all of my personal information was stolen. I am now facing potential identity theft and all of my personal information could me made public on the internet, leaving my identity free to be stolen at any time for the rest of my life.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have 77 on one 50 on another and 70 on the other and accounts that are at XXXX balances
Complaint sub-issue: Didn't receive notice of right to dispute

I was going over my report and found XXXX XXXX # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts.
Complaint sub-issue: Public record information inaccurate

There is a bankruptcy reporting on my credit report from the state court of Tennessee. This account does not belong to me. I have sent several letters to the credit bureaus to fix this error. On my first attempt I received a letter stating that error was verified. I ask the bureaus to send me how they verified the bankruptcy and they did not send me a proper response. I sent a letter to the courthouse regarding the bankruptcy to explain how they are actually verifying a bankruptcy that does not belong to me. They sent me a letter stating that they do not verify bankruptcies nor have then been in contact with the credit bureaus. I then sent the correspondence I received to the credit bureaus 3 separate times and have not received a response. I am writing your office today in hopes that you can help me to correct this error.
Complaint sub-issue: Information belongs to someone else

The company Creditco shows a hard inquiry on my credit report. I have no idea who this is and why they are on my report. I need the hard inquiry removed because I have never had any dealings with this company before. 

Thank you, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good morning maam/sir : XXXX XXXX XXXX XXXX, XXXX  pulled a hard credit report without my verbal or written consent before we even agreed on a price or terms. I did not agree to their propose terms and did not proceed further. Two days later I received a message from my credit report monitoring service that XXXX XXXX had requested a credit report without my authorization. I asked the business to call and clarify this with the credit bureau. I also notified XXXX XXXX XXXX who told me that they would call me back this past week. I explained the situation to the sales manager on an email message and so far have been ignored by the dealership and XXXX XXXX.
Complaint sub-issue: Fraudulent loan

I have not applied for any car loans 2021.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, -XXXX  XXXX ( XX/XX/XXXX ) -XXXX  XXXX  XXXX XX/XX/XXXX ) - XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX  XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX ( XXXX  XXXX  XXXX XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX )
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I sent Equifax a method of verifcation letter after receiving a generic response to a dipsute I submitted. Per the FCRA the company has 15 days to respond, it has been almost a month and I have yet to receive a method of verifcation from Equifax. I have attached a copy of the letter and read receipt.
Complaint sub-issue: Account information incorrect

Key Bank is falsely reporting that payments were made to a credit card Debt, on a card that was stolen. Payments have not been made for more than 8 years. I believe Key Bank is falsely claiming this to keep the account in an active status. Key Bank has reported the debt as charged off. In the attachments note where it reports last payment made XX/XX/XXXX, yet in the report it claims payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is my statement that the reports of payment in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are also false. Even more strange accounting as they claim {$150.00} payments, yet no change in reduction of the debt is noted. This is false reporting on my credit.
Complaint sub-issue: Debt was discharged in bankruptcy

Afni sent a letter concerning a debt with XXXX XXXX that does not belong to me. I have never been a subscriber to this company. I do n't recognize this debt. This collection company has threatened to take further action without first verifying this debt. I would like them to submit any signed documentation or drivers license that they may have in their files to me to give me as much as I can to press charges against the person ( s ) that this debt belongs to.
Complaint sub-issue: Collected or attempted to collect exempt funds

On XX/XX/XXXX, Professional Credit Service / aka XXXX XXXX XXXX.and/or attorney XXXX XXXX garnished 100 % of available funds ( {$2200.00} ) from my personal checking account for collection on a judgement issued in XX/XX/XXXX for medical debt. I was in transition from one job to another, the funds in the account are all directly traceable to EXEMPT income per ORS 16.618. First in line for garnishment is the DOJ, who administers spousal/child support payments through employment garnishment. Because of the job change, only one employer took a portion of that support payment, meaning I was responsible for the balance, in order to remain current on this obligation. PCS took 100 % of available funds from a personal checking account, when a higher level garnishment order is in place. PCS failed to validate the source of the income taken. PCS did not use the legal State calculator to determine amounts available ( percentage of disposable income ) to secure this garnishment. PCS took my saved Child Support and is now directly responsible for my arrears with the DOJ ( and my children ). This is unconscionable, and illegal per several Oregon regulations.
Complaint sub-issue: Problem making or receiving payments

I can not link my account to pay for certain items online
Complaint sub-issue: Information belongs to someone else

sent the ftc, police report and 3 social mix match they fail do do anything XXXX XXXX and XXXX
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( PROGRESSIVE, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts 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 erroneous items to be authenticated ( A ). I will take legal action against you if you do not fix 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

While monitoring my credit reports I found several fraudulent inquiries on XXXX XXXX, Equifax, and XXXX. Even though I paid to have all three credit agencies to lock or freeze on my reports, to my dismay, someone was still allowed to solicit credit in my name and was granted a XXXX cable/internet account in my name in XXXX CA. This is despite the fact at the time I had a valid XXXX account in my home in Washington, which had been active for years. Needless to say I no longer use XXXX.

I called each company and informed them of the fraud. I also asked them why they did not contact me in accordance with the credit locks that were in place. I asked all of the companies to remove their inquiry from my credit report. I also contacted XXXX XXXX, Equifax, and XXXX  to inform them of the fraud and requested the inquiries be removed. I also disputed the inquires via one of these agencies online form to no avail. XXXX XXXX and one other creditor honored my request and removed the fraudulent inquiry.

The majority of the fraudulent accounts were initiated with a XXXX  CA address. I contacted XXXX PD and reported the fraud to their Financial Crimes division. They opened a case.

Months later XXXX   discontinued my service and claimed I owed them over {$900.00} for service in XXXX  CA. I explained to them that I contacted their office in XX/XX/XXXX about the fraudulent inquiry. Yet it turns out they gave the perp an account in my name despite my informing them. After trying for more than a week to have XXXX correct this issue, I filed a complaint with the PA Attorney General. XXXX eventually apologized and removed the collection from my reports.

Currently I still have several fraudulent inquires on all three credit reporting agencies even though I have asked the companies and the agencies to remove them. I would like to have every fraudulent inquiry removed. XXXX XXXX fraudulent inquires : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  fraudulent inquiries : XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX  XX/XX/XXXX XXXX   fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Please note, I currently have an active XXXX XXXX  Card and an active XXXX XXXX Card. The fraudulent inquiries cited above are NOT associated with my current active accounts. One of which is more than 14 years old.

Thank you.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I mailed a dispute letter to Equifax to dispute 5 different inaccuracies on my credit report. I did not hear anything. I then called on XX/XX/18 to see if they had received the letter. I was told that my profile could not be accessed and to call later on because maybe its not accessible due to updating. I called again on XX/XX/18 because I had not heard anything about the issue and was told to just fax the letter again. It is XX/XX/18 and I have not received results from my original dispute, can not pull my Equifax report from XXXX, and Equifax is saying they can not access my information due to updating nor can they send me an updated report.
Complaint sub-issue: Didn't receive enough information to verify debt

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Complaint sub-issue: Fee problem

Morning, I opened a checking account as a new customer with Key Bank in XXXX, CT last month. Key Bank was offering {$400.00} for every new account opened with two direct deposits and payable within 60 days from the opening of an account. 

I have been working from home on a recommendation from a XXXX. I went to go deposit a check from my dad for {$180.00}. and this bank has two slots, one for cash, and one for checks which I didn't realize. Upon trying to deposit the check, I must have hit cash and could not exit out of the transaction at the ATM. I tried a {$1.00} bill, an envelope, nothing worked, so I put in a blank check from an old bank just to get the transaction finished so I could actually deposit the {$180.00}. The second time I tried depositing it, it was successful. 

Then the next day, based on an email from a friend, I signed up for a second job as a XXXX person. A bank check, appeared to be a bank check, arrived and I deposited it for {$2300.00}. After sleeping on this deposit, it seemed weird they never asked for a Ssn for tax purposes, etc. I called Key Bank and a gentlemen told me to just watch my account. That didn't sit right with me, so I reported it as a fraudulent check the next evening. I've gone to my local police, submitted any and all paperwork to KeyBank, was forced to close my account and told KeyBank will not open a new one with me! Mind you this is days before they should pay out the {$400.00}. I haven't switched banks in a long time, and have never had such a horrible experience. The guy upon opening my account at KeyBank was asking about jobs at my company, and what his friends in XXXX could do to apply as well. Now they won't open a new account-which is fine at this point-but they also mentioned absolutely nothing about the promo deposit of {$400.00}. I have never worked with such an unprofessional bank or heard of refusing to open another account. I would like someone to look into this and explain why they are refusing to accept customers and negating their promo.
Complaint sub-issue: Information belongs to someone else

The collection account from XXXX XXXX, XXXX thats currently listed on my XXXX, Equifax and XXXX XXXX credit report is not my collection account and is the result of identity theft. The collection account is a fraudulent account and the is the result of identity theft. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Complaint sub-issue: Account status incorrect

Inaccurate late payments are showing on my credit file. This has caused me tremendous XXXX. I am unable to get a mortgage loan due to this erroneous reporting. I tried to resolve this matter with the creditor and the bureau and I have not received responses.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received a copy of my XXXX credit report. The credit report showed an inquiry from Citibank Na., Best B, that I did not authorized. I contact Citibank Na., Best B, and they said they have no knowledge of the inquiry, but it's on my credit report. I also called XXXX to dispute the inquiry and was told they don't dispute inquiries. Please have this inquiry removed from my credit report because it is making it very difficult for me to acquire credit.
Complaint sub-issue: Problem with customer service

Can not get an accurate update as to the status of the refund that was requested as per the XXXX student debt relief plan. All information that has been given is that it is in progress and was initially going to be 4-6 weeks. The latest call ( XXXX ) has changed the estimated time to 65-70 days. 


XX/XX/XXXX - Initial refund request call XX/XX/XXXX - called for refund status update - in process XX/XX/XXXX - called for refund status update - in process XXXX - called for refund status update - in process XXXX - called for refund status update - no change, now XXXX days
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 XXXX. Account 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act convergent account # XXXX, my DISCOVER it chrome card account # ending in XXXX, and my XXXX  XXXX XXXX account # ending in XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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: Problem with a check written from your prepaid card account

I received a MasterCard gift card over a year ago, but didnt try to activate it until XX/XX/2019. To activate it, I had to visit XXXXXXXXowned by US Bank, the company that sells these cards. When I entered the account number and the 3-digit number on the back, I discovered it had already been activated by someone named XXXX XXXX, who made two XXXX purchases using my card number. The cards value was originally {$200.00}, and the XXXX purchases totaled about {$180.00}. There was {$8.00} in service fees, so the current balance is {$5.00}. The card was in my possession when XXXX XXXX activated it and made the purchases. 

I called the customer service number on the back of the card the next day, and spoke with XXXX about the fraudulent purchases. She said the only way I could report the fraud was to send a fax. She gave me the fax number, and I faxed my complaint. A representative called me back and left the original customer service number that I called. When I called back, I spoke with XXXX this time, and she told me to send the fax again. I told her that was ridiculous and wanted to speak with someone in the fraud dept. She told me the only way I could contact them was through faxno email or phone number. I sent another fax and this time, I didn't get a call back, so I called the customer service number again. When I entered my account number, an automated message said " this account has been closed '' and hung up on me. At this point, there's no way for me to even contact the company. 

I believe the fraudulent purchases were made by an employee of the company, since it was in my possession the whole time. I think that's why the company has given me the run around.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I am authoring this complaint on my behalf. I can't believe these guys are taking advantage of me. I am very upset with Equifax. They have not responded back to me about my investigation. I sent a letter and it's been more than 60 days. I need these accounts deleted or updated. These are the items I need to be deleted. 


1 ) Please investigate that this account is reporting 100 percent accurate. XXXX XXXX  is reporting different information on all 3-credit bureau . I see so many errors which is a FCRA violation. 
XXXX XXXX  Please to remove this account from my credit profile 2 ). Misleading false information This FDCPA section 807 Violation misleading false reporting on my credit report. 
XXXX XXXX Please remove from credit profile The Fair Credit Reporting Act 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
Please remove from my credit report
Complaint sub-issue: Frequent or repeated calls

The number XXXX has called me XXXX of times over the last few weeks, often XXXX or XXXX times a day. They never leave a message. I suspect they are a debt collector, but I do n't answer calls from number I do n't know. My guess is that they are just calling repeatedly simply to harass me.
Complaint sub-issue: Information belongs to someone else

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Complaint sub-issue: Account information incorrect

I disputed several times with the agency XXXX XXXX XXXX XXXX Reporting inaccurate information to the Credit Reporting Agency. I also disputed with my claim with Equifax, stating my claim is disputed and requesting validation of the debt in paticular " FIRST DATE OF DELINQUENCY '' XXXX XXXX XXXX XXXX  " Charge off account '' balance {$17000.00} became delinquent in 2014, account was not brought current. This account should be removed from my XXXX Credit Report.