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

On Thursday XXXX XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.
Complaint sub-issue: Old information reappears or never goes away

EQUIFAX is in violation of Title 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), of  the FCRA On Reviewing Credit File : XX/XX/XXXX, Confirmation # XXXX : 1 ) On XX/XX/XXXX, I discovered that XXXX - Card Services, # XXXX, had been re-inserted into my credit file. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

2 ) 1 ) On XX/XX/XXXX, I discovered that XXXX, XXXX, Late payment of XX/XX/XXXX, had been re-inserted into my credit file. Equifax is required to notify me within XXXXXXXX XXXX XXXX XXXX XXXX  of re-inserting a previously deleted item. I did not receive any such notification. 

On Reviewing XXXX XXXX : XX/XX/XXXX, Confirmation # XXXX, the above NEGATIVE information had already been removed. 

EQUIFAX had never notified me of any re-insertions per 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), and is in violation. 

Also, Equifax is reporting that I worked for XXXX. This is wrong! I never worked for XXXX. 

STATEMENT OF DISPUTE : These items are inaccurate and misleading to potential creditors and employers. PLEASE DELETE.
Complaint sub-issue: Account status

Equifax is n't reporting the XXXX XXXX auto as being included in our Bankruptcy and XXXX is showing lates in XXXX in error. XXXX XXXX is reporting correctly with no lates in XXXX or after as the Bankruptcy was started in XXXX ( and discharged in XXXX ) and all of my wife 's and my debts were charged off and included in the Bankruptcy in XXXX. I demand that Equifax shows this account was included in our BK and that XXXX removes the lates from XXXX that are in error.
Complaint sub-issue: Their investigation did not fix an error on your report

I have Equifax the credit bureau about a new set of financial account that added and removed which induced a drop in my credit score of 76 points overnight. I immediately call Equifax to report the change and the false information that were inserted, I spoke to a representative and a supervisor whom acknowledged the information would neither explain why, how some information was removed ( usually good reporting accounts ) and old accounts which are not active were reported and created a drop of 76 point without a single account changing. I am suspecting fraudulent activity on behalf of Equifax which is designed to wreck someone report and artificially lower the score and make consumer pay more for credit, I was in the middle of a house refinancing and now that this maliciously was inserted i would have to pay tens of thousands more. I am attaching a copy of the change that shows what account were removed and the ones added with a phony balance, this is totally wrong.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 " ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I attended state school for 6 years part time. I owe about XXXX to Sallie Mae. My mother co-signed with me, and we got approved every semester regardless of the fact well never be able to pay that money back. Sallie Mae harassed us with emails, mail and phone calls to this day about taking out a new loan. I borrowed around XXXX for my first semester in 2014 - thats now up to about XXXX despite my paying interest every month while in school. Sallie Mae is even worse than the XXXX was - at least they were honest.
Complaint sub-issue: Information belongs to someone else

After careful reviewing my credit report, i noticed accounts which are not mine. 
I have never applied for these creditors, i don't have any contracts where is my signature on with these companies. 
I believe, that someone stole my personal information, i applied for police report.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

15 U.S. Code 1692c - Communication in connection with debt collection, I XXXX XXXX, Consumer, am demanding Discover Bank to Cease and Desist communication with my consumer credit reports, I do not give any consent for Discover Bank to report to any Credit Reporting Agencies on my behalf.

Pursuant to 15 U.S. Code 1681a ( 1 ) ( d ) Discover Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist Discover Bank communication. 

Failure to comply will result in many fines. Thanks, Best regards.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX The aforementioned accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts on my credit report. It has been 5 months and I still haven't received a response and these unverified account still remain on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax on XXXX XXXX, XXXX about several inquiries that I did not give any authorization to pull my credit report. I asked them to please dispute the information. I received a letter today XXXX XXXX, XXXX that the investigation is completed and the information is accurate. This is less than XXXX business days later I am inclined to think that they did n't investigate each of these inquiries with each of these companies as they 've provided no proof that my consent was given. I would like these inquires removed as result.
Complaint sub-issue: Attempted to collect wrong amount

Was not notified of a debt owed before placed into collections. They did not send back up documentation of debt owed. Excessive monthly charges, extortion to intimidate if do not settle credit will continue to be damaged and I will not be able to buy a home. If I do pay in full, it will still remain on credit report and lender will not let me buy a home. That it is better to wait the 7 years. They harass me, are rude, degrading in telling me I should of read the lease. That I can call a lawyer but there is still nothing I can do. This is detrimental to me and my family.
Complaint sub-issue: Debt is not yours

I was a XXXX customer for XXXX. We used their service yet reported on numerous occassions that we wished to cancel their services for killing our grass. 

We stopped using them XX/XX/XXXX. 

We moved to XXXX XXXX  and sold our home in XXXX XXXX XXXX said they treated our former XXXXXXXX XXXX home twice in XXXX. 

After several calls, they agreed to remove the charges. 

I received this collection notice from I.C. Systems Inc., XXXX XXXX XXXX, XXXX XXXX MN XXXX for {$56.00} I am XXXX XXXX XXXX and believe this harassment for an attempt at collections is a violation of XXXX XXXX  - Financial.
Complaint sub-issue: Account information incorrect

XXXX  XXXX # XXXX is reporting a late in XX/XX/19. I was never late. What happened was that I had paid it online and did not realize that the payment had not gone through until they sent me a notice about it being late, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is still reporting an account that was opened due to fraud. XXXX has received the police report information and you all continue to verify and report and this fraudulent account. Immediate removal of this account off my credit report is needed.
Complaint sub-issue: Can't use card to make purchases

The company is XXXX XXXX, I've been trying to contact this company for more than a month because I can't use my credit card and there is credit available. The phone number listed on the back of my card never has a live person available no matter what day or time of the day it is and that is the only phone number available for this company.This company is very sketchy, it is prepaid because I gave the XXXX dollar to open this card about 3 years ago to help building credit and never a credit increase or nothing. Just interest charges for an account that I barely use because is only XXXX dollars. I just want my money back and this account closed.
Complaint sub-issue: Deposits and withdrawals

Credit Karma has frozen my account with my federal income tax refund of {$770.00} i have called them numerous times and provided all documents requested. I need your help in solving this matter. Please contact me if you need any more information. Sincerely, XXXX XXXX Phone Number XXXX and my E-Mail is XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible.
Complaint sub-issue: Information is missing that should be on the report

XXXX  have all my credit report mess up, all information is incorrect, i call tooo many time i have not anwer, account missing, wrong information ect. I HAVE A XXXX XXXX  CARD SO THEY REFUSE TO UPDATE THE INFORMATION, CREDIT CARD NUMBER # XXXX, XXXX XXXX ACCOUNT # XXXX This account is missing from my report.
Complaint sub-issue: Account status incorrect

Hello XXXX. I am reaching out again because DEPT OF ED/NELNET Netnet did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from Nelnet. Nelnet has incomplete accounts numbers -showing partial account numbers. Some are showing XXXX days back-to-back, while some say XXXX then back to XXXX back to XXXX the XXXX days late. I have requested under law fix this by removing this erroneous information. I am at my last rope. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true. 
XXXX impartial accounts and all three credit reports XXXX different amounts and dates on all three credit reports XXXX causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. 
XXXX. When making the attempt to write DEPT OF ED/NELNET is showing XXXX different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions. 
Because of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this. 
I am really needing help. 
Thank you for reading. 
XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Received an email from XXXX credit monitoring that my credit had dropped XXXX points so I immediately opened up my account and saw 2 judgments appearing on my credit. I have never lived in the XXXX TX or XXXX TX area ever ; I also, did not provide anyone permission to use my SSN to open accounts. Since this email, I have had a total of 4 accounts opened using my SSN and DOB and these scammers seem to be doing it at the same time. I have 2 accounts with XXXX XXXX and now with XXXX XXXX XXXX. 

XXXX XXXX accounts are XXXX and XXXX email on file is XXXX XXXX XXXX XXXX  accounts are XXXX and XXXX email on file is XXXX I have frozen all 3 credit bureaus and put a fraud alert as well. I have sent a letter and email to XXXX XXXX and I just found out about XXXX XXXX XXXX. I provided XXXX XXXX information regarding my issues and they have stated it should take up 30 days to get any resolution.
Complaint sub-issue: Personal information incorrect

On or about XX/XX/XXXX I became aware by a vendor pulling my credit that XXXX mortgage was reporting be deceased ( on a mortgage that I satisfied in XXXX ). I have disputed this information now four times with Equifax and XXXX. XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. In each instance XXXX reports that I am alive, that the loan is satisfied, and then the next day the information is re-entered incorrectly. And my credit report is erroneously reporting me deceased. 

As such, no one can pull my ( XXXX ) credit. I am currently starting a business and have no access to credit. It is causing me a lot of pain and anxiety, my life savings is tied up in this business and in the eyes of the credit agencies I don't exist. 

XXXX is probably recording me dead because my wife ( deceased ) was on the mortgage in question that was satisfied. This doesn't answer why this is coming up six years later. 

My wife 's name was XXXX XXXX XXXX Her XXXX was XXXX XXXX XXXX My legal name is XXXX XXXX XXXX XXXX XXXX XXXX The XXXX loan number is XXXX It has been purged from their system as it is so old. 
I have been dealing with a complaint specialist at XXXX XXXX named XXXX XXXX his fax is XXXX XXXX XXXX I have also spoken to his manager named XXXX XXXX.
Complaint sub-issue: Account information incorrect

In XXXX XXXX XXXX XXXX published a story about credit bureau problems for consumers. I was featured in the article featuring my dispute with XXXX XXXX credit reporting company for incorrect information they refused to fix, after I tried several times to get them to correct the data. I was also featured on the XXXX XXXX XXXX with XXXX XXXX again talking about XXXX XXXX. I have no late payments, my credit use is around XXXX % yet XXXX XXXX recently dropped my credit score by over XXXX points. I pay my bills, my credit score currently does not reflect my paid on time payment record. I can only conclude that XXXX XXXX is punishing me for allowing my story to be published and televised. My credit score is now XXXX I was over XXXX in XXXX and nothing has happened that should bring my score to this low level/
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following businesses and referenced accounts have violated my rights : XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXXI Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, US DEPT. OF EDUCATIONXXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # 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 states that a consumer reporting agency can not furnish an account without my written instructions.
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 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 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 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 XXXX 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: Application denied

In Mid XX/XX/2021 I applied for a secured credit card with Discover Financial Services. They approved me for a secured credit card, and I sent them my {$500.00} deposit for the secured credit card. Once they received my money, Discover Financial Services sent me via email a XXXX tax document to sign. I refused to sign this document because as I stated this was a secured card and I have had them in the past with other financial institutions without having to sign a XXXX tax document. They also would not provide a rational explanation for requesting this document other than for identity purposes. 

Therefore I was forced to close an account that was never actually approved because I refused to sign the XXXX, also they ask for this after they got my {$500.00} deposit. This is an important issue the deserved to be disclosed upfront in the application process. Finally I do NOT want my credit scored impacted because I had to closed account that was never actually opened from my perspective, reported to the credit bureau. But from Discover 's perspective they said I would have to close the account. I want my deposit refunded asap, as well as DFS NOT reporting this to any of the 3 credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried several attempts to get this account deleted and removed from my credit report. On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I again was notified by XXXX XXXX and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over 60 days to verify this account. The first delinquency was XXXX XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.
Complaint sub-issue: Old information reappears or never goes away

The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and XXXX XXXX XXXX XXXX perpetuate credit use with XXXX XXXX records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX hospital to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.
Complaint sub-issue: Personal information incorrect

To Whom XXXX : I've tried to correct a bogus address on my XXXX credit score numerous times thru the XXXX XXXX XXXX agency reporting system. They consistently state I need to contact some lender however never state who nor do I know the origination of how the address became attached to my account. I've lived at the same address for over 40 years however they wont get off the dead XXXX 's and help correct the problem. I believe they have an out right obligation by law to do so as quickly as possible with out hesitation however they fail too react until I complain to the FTC as I have before regarding inaccuracies. Please help me get the message across when a consumer identifies an issue its their obligation not mine to correct it. I look forward to your prompt return response and full resolution regarding this issue. I'm also requesting to be provided my free full and accurate annual credit reporting score. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX