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

On XX/XX/XXXX, I received notification from XXXX XXXX that Equifax is reporting a XXXX XXXX inquiry on my credit report. The unknown inquiry was made on XX/XX/XXXX. I did not authorize such inquiry or apply for any credit recently with XXXX. I tried to dispute this inquiry through Equifax online and I was directed to visit https : //www.ai.equifax.com/ and it took me to a blank page, therefore, I was unable to dispute this inquiry through Equifax.
Complaint sub-issue: Reporting company used your report improperly

My information was mishandled by Equifax and opened up to theft, putting me and millions of other people at risk. I was identified as a potential breach victim when I checked in at their equifaxsecurity2017.com website. 

They did not notify anyone quickly enough, and have admitted that they will not notify everyone. 

In addition, when you sign up for " protection '' on the Equifax website they sneak in an anti-arbitration clause. 

I would like a resolution on this. Thank you.
Complaint sub-issue: Debt is not mine

This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that I would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Complaint sub-issue: Banking errors

I went to a KeyBank branch to initiate a bank wire to pay for products for my business. Because of a bank error the funds were never sent and they have cost me thousands of dollars to fix the banks error. They admitted that the problem was their fault but have taken XXXX action to fix the problem. The manager of KeyBank has been ignoring me and will not return my phone calls.
Complaint sub-issue: Information belongs to someone else

XXXXCBNA is a paid account reporting negatively on my credit report and it is not mine. I want it off. As well as CITI from XX/XX/2013.
Complaint sub-issue: Reporting company used your report improperly

Frauding scams using XXXX XXXX  Hospital of  XXXX XXXX Indiana of XXXX county Indiana frauding scams frauding my documents of serial numbered documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX all from XXXX county Indiana Then others frauded my documents of my brother documents of XXXX Hospital of XXXX  XXXX Indiana of XXXX county Indiana of XXXX XXXX ( XXXX XXXX ) XXXX XXXX Others frauded my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX Hospital Others frauded my documents using my immazation record XXXX  XXXX XXXX XXXX county Indiana Others frauded my FBI registrations of my XXXX XXXX  career and also frauded scams using XXXX elementary School of XXXX XXXX Indiana of my documents as XXXX XXXX and business Others frauded my documents of XXXX high school as XXXX XXXX in my states Fraud scams using business permits and products and retailers store 's and semi trucks companies and CDLs and resterants franchises using Cole slaw and auto stores frauding scams using XXXX  and then frauding scams using My grandma documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frauding scams using using XXXX XXXX XXXX married to XXXX XXXX all decest  closed out social security files Others frauded XXXX XXXX married to XXXX XXXX XXXX of XXXX county Indiana and XXXX XXXX of North Carolina
Complaint sub-issue: Trouble with how payments are handled

Discover Bank. 
I was double charged on my first student loan payment ( I am already paying them 35 % of my monthly income ). Customer service seemed confused and insisted that they could not help me and that I needed to work with my bank that the double charge was being pulled from. I am already financially thinned out because Discover does not deal in income based repayment plans, and I am now at risk of having a " Late '' status on my account due to their mistakes. This may reduce my chances of refinancing elsewhere. 
Customer service needs to read the notes on the account prior to trying to understand the situation and further confuse the customer. XXXX of the XXXX agents I spoke to was rude and demeaning. Wasted my time.
Complaint sub-issue: Personal information incorrect

My correct Name is XXXX XXXX XXXX These names below are incorrect : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

This is my 4rth complaint filed and to date EQUIFAX has not fixed the problem. 

The problem : Equifax is not reporting my revolving ( credit card ) accounts on my credit profile history. I have 2 credit card accounts through XXXX XXXX. 
1. XXXX  XXXX Visa ending in XXXX 2. XXXX  XXXX Mastercard ending in XXXX XXXX XXXX communicated to EQUIFAX to report these accounts. I've attached this letter that XXXX XXXX wrote me notifying me of this. And yet to-date EQUIFAX still is not reporting onto my credit profile history these revolving accounts -- -attached is a screenshot of " myEquifax '' account showing 0 Revolving Accounts. 

Equifax is the ONLY credit bureau that is NOT reporting my 2 revolving accounts above.
Complaint sub-issue: Non-sufficient funds and associated fees

Hi i had an account with Citibank and someone did fraud on my checking account They cashed in a For {$10000.00} and i disputed the check an it took them 5months to investigate and to tell me they couldnt help me
Complaint sub-issue: Problem accessing account

As of XX/XX/22 I have not been able to access my online banking with PNC Bank. I called and spoke with a representative on XX/XX/22 and XX/XX/22. I still can not access my account on XX/XX/22. 
This is not the first time this has occurred and last time this happened it was WEEKS before the issue was fixed.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I ordered checks for my checking account from Citibank. Although this was the second order and when I ordered the checks - it stated on the website there was NO CHARGE. I have enclosed my receipt. Instead, Citibank charged my checking account nearly {$21.00}, then more money in overdraft fees. I have attached the proof that the checks were to be free. This bank, like many " big box '' banks lies to its customers and then fraudulently offers them services.
Complaint sub-issue: Information belongs to someone else

There is a credit account showing up on my credit reports that don't belong to me. The account is CBNA with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.
Complaint sub-issue: Account status

REPORTING COMPANY REPORTING 2 LATE AUTO PAYMENTS TO XXXX! ONLY 1 AUTO PAYMENT MADE LATE!
Complaint sub-issue: Company closed your account

Consumer Financial Protection BureauCase # XXXX and XXXX Citi Reference Number : XXXX This is in response to your letter of XX/XX/XXXX, which was sent to me by email in response to my inquiry through the Consumer Financial Bureau. 
In particular your letter quote that my AT & T Universal account ending in XXXX was permanently closed by Citi due to one or more late payments or returned payments in the past six months. Copies of our letters dated XX/XX/XXXX and XX/XX/XXXX are attached for your review. 
I did not find the attachment of the letters. Also upon checking my AT & T statements I did not find any late payments or return payments for the last six months before its closure. 
On the XX/XX/XXXX statement, it shows there was a return check fee of {$29.00} which was actually dated XX/XX/XXXX and the XXXX totals year-to-date is {$29.00}. On the XX/XX/XXXX statement, the XXXX totals year-to-date remains {$29.00}. So, that is no fees charged throughout XX/XX/XXXX to XX/XX/XXXX. So the reason for closing the AT & T account for late or return payments do not stand. 
As the account was closed for a reason that is not true, I request you to reopen the account to correct your mistake.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

The company did not addressed my issue. I strongly recommend card member to be careful with this Company and as stated I'm stepping up and work with lawyer and State Department to take actions against Discover. Discover knew about me wanting to make a payment in XXXX and never took it because my account was under " Working with Consolidators '' status. They could've accepted my payments. Also, account was taken out of these status on XX/XX/XXXX and reported to Credit Bureaus the following day, not giving me time to make at least required payment to my account.
Complaint sub-issue: Account information incorrect

VIOLATIONS TO MY FCRA ALSO VIOLATIONS TO MY XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Nelnet is purposely reporting my student loan with XXXX, XXXX, and XXXX in a negative status. Nelnet is reporting the same negative account 4 times on all three credit bureaus which is an F.C.R.A ( furnishing and reporting old information, furnishing and reporting Inaccurate Information, and mixed files )! My only loan with Nelnet was added to my Bankruptcy that was filed on XX/XX/2010 at XXXX XXXX. After 9 years Nelnet still reporting negative on my credit reports. I am furnishing proof of my complaint against Nelnet.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity theft and I notice 2 accounts on my credit report. XXXX # XXXX and XXXX XXXX # XXXX. 

I have provided Equifax, XXXX and XXXX  the copy of the police report and have provided a victim 's complaint & affidavit to XXXX and XXXX XXXX and everything else that they have requested. XXXX deleted the 2 accounts, but Equifax and XXXX   has refused to delete these 2 accounts from my report. They keep saying that they have verified that this account is mine but have not provided any documentation to show that these accounts are mine. 

Also I have also asked the original creditors - XXXX & XXXX XXXX to provide documentation / proof that this account belongs to me and they have not.
Complaint sub-issue: Account information incorrect

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter about some accounts that they were reporting that was not mine. They Verified as accurate and updated '', but the accounts are not mine. The account on my credit report that I have requested to be deleted in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the account that is in error on my credit report. I filed a police report with XXXX county which is included in the Affidavit to get these errors resolve in a timing matter. This mistake is hindering me. Please see attached Identify Theft Affidavit.
Complaint sub-issue: Information belongs to someone else

This is a " repeat '' of my CFPB complaint that I filed on XX/XX/XXXX, Case # XXXX, which took Equifax 9 months to correct as evidenced by my Equifax Credit File Report I received on XX/XX/XXXX, Confirmation # XXXX. The SAME error, wrong PMB #, appears in my current Equifax file which has now caused myEquifax account to be " locked ''. The wrong PMB number being reported belongs to a person whom has the same name as me. Note : My spouse, whom has the same address as me is unaffected since the error does NOT appear in her credit file. As a result, I am unable to temporarily lift my " credit account freeze '' which may now cause me to suffer a significant financial loss. I called the Equifax customer service number on XX/XX/XXXX and spoke with two overseas representatives, one a  supervisor, for 33 minutes with no resolution. On XX/XX/XXXX I spoke with five USA representatives, whom two were supervisors, for 85 minutes with no resolution. Additionally, Equifax representatives informed me there is now a " new '' incorrect address regarding the last digit in my PMB number. Supposedly, a correction is being submitted to correct this latter error, but I am still unable to lift my credit account freeze because Equifax is reporting the same error in my address that they eventually corrected per my XX/XX/XXXX CFPB complaint.
Complaint sub-issue: Problem with personal statement of dispute

I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one. Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 

Account NameXXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX Balance {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Im writing regarding 2 transactions on my Macys card. 

The first transaction, XXXX # XXXX was returned to Macys. I paid with my Macys card. Macys took it upon itself to refund the order with a gift card. I placed another order over the phone and the rep didnt know how to use the gift card. I went to the store to purchase a shirt and the store couldnt use the gift card. Ive called multiple times to have my refund returned to my Macys card and I get lied to that it was. My Macys account balance is still the same. I paid {$11.00} with my Macys money. They have yet to issue a refund for that {$11.00} dollars. I didnt cancel or return the order. I earned that with my purchase history. 

The second order, XXXX # XXXX with Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been stuck at Macys warehouse for over 2 weeks XXXX It says label created and shipper awaiting package. Ive called multiple times to request my refund and Im no longer willing to wait. 

I purchased elsewhere. Till today, they havent processed the refund. They reported my account to the credit bureau today as credit use higher than normal with 30 % usage. 

I need Macys to be held accountable.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft. My social security number is XXXX. I recently learned that my personal information was used to open an credit karma account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that credit karma me of all charges on the account, and that credit karma take all appropriate steps to remove information about this account from my credit files.
Complaint sub-issue: Their investigation did not fix an error on your report

Re Loan number : XXXX I have a perfect relationship with US Bank since 2014. Paying all my bills on time means a lot to me and I am always very on top of it. I recently Leased a new XXXX XXXX with US Bank but I did not receive any statements in the mail due to it being a new account or someone stole the statements out of my mailbox. I also had trouble logging in to view my statements and make payments online. I am currently applying for a mortgage, but the 30 days late reported by your bank is hurting my score very much. In an email exchange with Mr. XXXX XXXX, he confirmed that I was not sent any statements for this loan as it was a new loan and there was some type of system error. ( please see attached ). Therefore I was not aware that a payment was due. Please remove the late mark from my credit report ASAP. Therefore I was not aware that a payment was due.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  a is reporting XXXX XXXX and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.
Complaint sub-issue: Problem with customer service

The latest shady experience I 've had with Discover Student Loans took place today XX/XX/XXXX. I had been double charged for a student loan payment on XX/XX/XXXX when I signed up for a repayment assistance plan. Needless to say, getting double charged was the last thing I needed. So, I called Discover Student Loans on XX/XX/XXXX when I noticed on my bank statement why my balance was so low ( double charged ). I spoke with the repayment assistance department and they agreed that they had double charged me and said they would process my payment refund immediately. The person I spoke to even confirmed my phone number and asked if he could call me if there were any issues processing the refund ... Well, today, XXXX days after I made the call I still had not received the refund. So, I called again, explained, and after being put on hold the person I spoke to said that they had just sent the refund by mail TODAY ( seriously?! ) and that it will take an additional XXXX days for it to arrive. Clearly, they were not planning on refunding my payment, and then to top it all off they sent it by mail instead of refunding it directly to my bank account. This is the third time in XXXX years I 've experienced an unscrupulous practice from Discover Student Loans. I will also submit a complaint for those other instances because enough is enough.
Complaint sub-issue: Investigation took more than 30 days

equifax, XXXX and XXXX  did not comply with updates on my request to fix the issues of inquired on my account within a 30 day period.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX  Acct # XXXX ( Personal Loan ) XXXX XXXX XXXX # ending in XXXX ( Credit Card ) XXXX XXXX Acct # ending in XXXX ( Credit Card ) XXXX XXXX Acct # XXXX ( Collection ) XXXX  Acct # ending in XXXX XXXX XXXX Acct # XXXX Bankruptcy XXXX XXXX Reference # XXXX Bankruptcy XXXX XXXX Reference # XXXX have all 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 an account without written instruction.
Complaint sub-issue: Account terms

I have been a XXXX for the past 8 years. I love what I do and I would n't change it for the world. My point is I work hard and I try to provide for my family the best way I can ... .. but it is extremely frustrating dealing with Equifax credit bureau. I am trying to obtain a loan to refinance my home and since XXXX of 2015, Equifax has been reporting my revolving credit usage at XXXX % when it has been between XXXX-XXXX % and they are also reporting XXXX unknown collection accounts. 

My credit score with XXXX is XXXX However my XXXX score is XXXX!!! 
Powered by Equifax Credit Score XXXX Revolving Debt {$1900.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$210000.00} Powered by XXXX Credit Score XXXX Revolving Debt {$580.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$200000.00} I am requesting they correct and update my file to show the credit revolving credit usage and remove the XXXX improperly placed collection accounts XXXX Account Number XXXX and Diversified Consultants Account Number XXXX
Complaint sub-issue: Deposits and withdrawals

So i have cash app which is owned by square inc now i have had multiple direct deposits from my XXXX XXXX   unemploymemt i was supposed to recieve my retroactive unemployment the direct deposits are now 6 days late from when they were realeased by the XXXX ive tried to contact square and they just give me the run around i need help in recovering my funds
Complaint sub-issue: Debt is not yours

Continued attempts to collect debt that is not mine. Continued robo calls after I have sent writing to this company which said not to call me. These have been reported to the do not call registry. I have also submitted the times and dates of calls to a law firm. I also provided the law firm information about the continued harassment and previous history of harassment. They are violating my rights under FDCPA, TCPA, and FCRA.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX Accounts have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.