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

This issue has been going on for how many months now. I require that you please step up and assist me in fixing the accounts that I have with XXXX XXXX XXXX, XXXX XXXX. The accounts were not paid late on the month it shows on my credit report.. Therefore this is either an error on their part or someone used my information without my authorization. Either way I would like it fixed from my credit files right away and notify me when its done
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act DRS # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries and addresses from my credit file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/2020
Complaint sub-issue: Information belongs to someone else

Response on XX/XX/XXXX Report # XXXX to response by XXXX on XX/XX/XXXX I did not apply for no loan with XXXX XXXX or sign anything with the XXXX dealership giving them permission to run credit by XXXX XXXX for a auto loan. I sign the original credit application with XXXX XXXX XXXX due I had already spoken to them about getting the loan for the new car. I also made it clear only run it with XXXX XXXX and the salesman came back to ask me to run it with XXXX for cheaper interest in which I did that's all that was sign by me. This application sent or done by XXXX XXXX XXXX XXXX made claim by XXXX XXXX on XX/XX/XXXX in which the application is not dated sent by XXXX in which is not my date of birth on that application or driver lic number or social security number is all wrong. I don't no why XXXX responded on XX/XX/XXXX with a XXXX XXXX Retail Agreement in which is the agreement papers I sign with XXXX XXXX XXXX  not XXXX sent a copy of XXXX XXXX retail agreement in which has nothing to do with XXXX and the application with all the wrong information with no date. XXXX is doing nothing but the run around. with the application mailed to me with no date wrong drivers license number wrong date of birth. I did not sign this application made in fraud by XXXX XXXX   XXXX XXXX. I'm also turning the documents over to my attorney as he has look them over if this issue is not resolved. I'm also filing with the US Attorney office and the documents as proof fraud was committed by XXXX XXXX XXXX as well as XXXX XXXX by there claim on XX/XX/XXXX in which my documents all show XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied credit card and rejected my application got the letter on XX/XX/2018. My application id is # XXXX. After contacting customer care they said they were not able to find credit history and asked me to send SSN fax. I did my SSN fax on XX/XX/2018 and confirmation number is # XXXX. Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX XXXX was added to your credit report. They rejected my application because i am staying in USA on XXXX XXXX XXXX, Credit report manager confirmed this on XX/XX/2018 evening around XXXX XXXX. Why they pulled my credit report again? What is the need of those many times doing hard inquiry? They didn't inform about that. Kindly do the needful.
Complaint sub-issue: Account information incorrect

The credit bureau 's are reporting incorrect information on my credit report.
Complaint sub-issue: Other problem

It took citibank months to get my card to my house, I had to cancel 3 or 4 different cards with them cause they kept sending it who knows where. I repeatedly had to call and give my address which they continued to get wrong and refused to actually take any time to see why it wasn't getting to me. They kept blaming my post man. I finally fix that issue and just received my card this passed Friday, it is now Tuesday and I have received XXXX phone calls, about every XXXX hours, until I blocked the number. I am currently sick and it is painful to even have my eyes open, not to mention I simply don't have the money until Friday. If the employees were even relatively competent, I would have had the card long ago and had no problem making the payment on time. Now that they lost my card multiple times, the card is in an overdue status as I require the card number to open the online account. My bottom line being, they took forever to get my card here, there is absolutely no reason they should be harrasing like this to get a payment. They can wait a week for payment, not to mention no other company has ever harrased me like this for any reason.
Complaint sub-issue: Information is not mine

I Have disputed a fraudulent account which went into collections with EQUIFAX over 4 times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that I faxed to them. I have letters from both the collection agency : The original creditor XXXX XXXX XXXX/ XXXX/ XXXX XXXX XXXX has also submitted and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with EQUIFAX. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I received a copy of my credit report and found the following item ( s ) to be errors
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX and XXXX has violated my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 Inquiries on my report that I did not authorize and I want to remove the Fraud alert on my account I've called and sent in required documentation to remove the fraud alerts from XXXX, XXXX, Equifax
Complaint sub-issue: Information belongs to someone else

I never had this accounts, never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Complaint sub-issue: Information belongs to someone else

I do not recognize the following accounts listed on my credit profile ( accounts ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me! I AM NOT A CREDIT REPAIR COMPANY
Complaint sub-issue: Information is not mine

I have an account with XXXX XXXX on both my Equifax and XXXX credit report that is delinquent and closed ( written off ) that is not mine. I 've tried disputing, but it 's hard to prove something is n't yours. I 've tried calling the company the account is with, but am unable to even access the account because I do n't have the account number ( BECAUSE THE ACCOUNT IS N'T MINE ). I 've also NEVER received a bill for this account. I just found it when looking at my credit report one day.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought a Washer/Dryer from XXXX XXXX XXXX on XX/XX/2019. Once day later it was delivered, when I connected it to do laundry it was completely dead and non-working. 
I went back to the store one day later to return it and get my money back. I spoke to the manager, he told me he will come right back then he went into the back of the store and never returned even until the store closing hours. I was there for two hours then a staff of the store bullied me out of the store, told me they will not issue any refund and in his own words " it is what it is ". That experience was demoralizing, I was sold a Dead on arrival, non working unit and they are refusing to accept the return and give me a refund. 
I disputed this charge with my credit card company which is US Bank National Association .The representative on the phone at first told me that It s OK and I m not responsible for this purchase, it will be disputed and I ll get credit back. Then 3 months passed and I received a text message from US Bank stating that they are nearing the end of the dispute process .After a couple of days of I received a letter from US Bank stating that they are reversing the credit and closing the dispute in favor of the merchant. The reasons that they stated was the limited Cancellation/return policy of the merchant and the partial credits I received from the Merchant. Both those reasons are completely bogus and invalid .Those credit ( s ) that US Bank is referring to are refunds for two hoses, an exhaust ( accessories I purchased with the washer/dryer ) which I later returned to them and are COMPLETELY unrelated to the dispute matter. They are completely separate from the dead, non-working washer/dryer which was on the same order/transaction. And in regarding to the limited cancellation/return policy I was sold a non-working unit described to me as NEW-OPENED BOX which confirms that the unit must be in working condition, their policy regarding this described condition is that the unit must be in a working condition but cosmetic issues like small dents/scratches may be present, the one that got delivered to me by XXXX XXXX XXXX XXXX was DOA ( dead on arrival ), A completely non-working unit, the issue with the unit is not cosmetic ; IT IS A COMPLETE DEAD UNIT and I have video proof ( I had sent everything and all the evidence to US Bank ). 
What happened to me happened to countless people dealing with this XXXX store, you can find experiences and reviews in XXXX, XXXX, XXXX ... 
So as you can se

e US Bank stated bogus and invalid reasons to deny my dispute. My money is being stolen and US bank i
s an accomplice.

What US Bank is doing is illegal and they should give my money back.
Complaint sub-issue: Their investigation did not fix an error on your report

On  XXXX   XXXX  sent a letter to Equifax to validate the information they reported on  XXXX  accounts in my credit report with  ( US  BANKRUPTCY COURT ) and provide me with copies of any documentation associated with the accounts  XXXX   XXXX  I received a letter from Equifax on  XXXX   XXXX   XXXX  confirmation  XXXX  with the results of th eir re  investigation " the disputed bankruptcy accounts  XXXX  and  XXXX  are currently not reporting on the Equifax credit file ''. That information is not true, both accounts appears in my Equifax file reported by them.     I sent another letter on  XXXX   XXXX  by certified letter  XXXX  regarding the last confirmation  XXXX  asking why they still reporting the  XXXX  accounts  XXXX  and  XXXX , if they mentioned in the last communication " are currently not reporting those accounts in the Equifax file '' On  XXXX   XXXX   XXXX  I received a letter from Equifax confirmation  XXXX . They wrote me " the disputed BK case  XXXX  is currently not reporting on the Equifax credit files '' but in the same letter said " part of the results of our re investigation in  BK   XXXX  we have verified that this public record item is reporting correctly ''. Equifax sent another letter on  XXXX   XXXX   XXXX  confirmation  XXXX  well similar to the previous letter confirmation  XXXX .     On  XXXX   XXXX  I sent another certified mail letter  XXXX  replying Equifax confirmation letter  XXXX  ask once again to provide me with copies of all documentation associated with these public records accounts, Equifax received the letter but never answered it.  XXXX   XXXX   XXXX  In my last attempt to claim my rights, I sent another certified mail letter  XXXX  on  XXXX   XXXX ,  XXXX  asking once again to provide me all documentation associated with these public records.I gave them exactly 30 days to complete the re investigation as outlines per credit report ing act 623 ( a ) ( 3 ).  They received the letter on  XXXX   XXXX   XXXX  and never answered the letter once again.   Per federal credit reporting act  section 609 ( a ) ( 1 ) ( a ) Eq uifax are required by federal law to verify through physical verification of the original signed consumer contract and or judgments.All accounts and public information that you post on anyone credit report.   Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.As such, if this unauthorized public records information is not deleted from my credit report within the next 30 days. I will be filling a complain to the CFPB. THEY PAST MORE THAN 120 DAYS A THE ACCOUNTS STILLS IN MY REPORTS.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As pulled my report, I saw an outrageous amount of accounts under my name that are not mine. please delete these items from my report. XXXX XXXX {$590.00} XXXX XXXX XXXX {$140.00} XXXX   XXXX {$4200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$76.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I purchased a sofa and a love seat from XXXX XXXX XXXX for {$930.00} with my best buy visa credit card. The furniture was scheduled to be delivered in two weeks, which the merchant failed. Six weeks later I contacted the merchant through email and I was told I am the wrong person. I text them back again and no response. So I disputed the purchased. A week later the furniture was delivered and I called to cancel the dispute. On XX/XX/XXXX, the merchant texts me for his money, I called the BestBuy credit card customer service and was advised by the customer service representative to go back to the store and pay. On XX/XX/XXXX, I checked my statement and saw that the merchant was paid {$930.00} on XXXX the XXXX the same amount I paid on XX/XX/XXXX. Even though I did not have enough money in that account. I was given overdraft which ruin my credit score and they started charging me huge interest. I called them and I was told to go back to the store. The store manager told me, that they never received payment twice and that I should follow him to his bank which was not the right thing to do. I went to the store with my sister, and we were almost beaten up. I disputed the XX/XX/XXXX, and nothing happened and now the XX/XX/XXXX dispute, I have not heard anything. Any time I called to find out the status of the dispute they hang up on me. I just need my {$930.00} Back.
Complaint sub-issue: Deposits and withdrawals

KEYBANK CARDS OPS, their mailing address : XXXX XXXX XXXX  XXXX, OH XXXX - XXXX Your new Key2Benefits their copyright R encircled on upper right side of lower case letter s after the word Benefits then below commercial promising advertisement says Secure convenient access to your Alaska Unemployment Insurance benefit payments. To activate the card call 1800 295 2955 I have used this card at XXXXXXXX XXXX XXXXXXXX in XXXX to buy hot chicken wings and pizza minutes later I checked my Keybank Unemployment Insurance checking account using this same particular card it took my {$200.00} dollars, I doubt it was the bar tender. Now, my {$2.00}, XXXX dollars gone with the wind.
Complaint sub-issue: Public record

Equifax is reporting the wrong filing date on my Chapter XXXX Bankruptcy Case # XXXX. My report show I filed XXXX which is impossible because there is no such date. I filed XX/XX/XXXX which is over 7 years ago which means it should not be reporting on my credit report anymore. Equifax is still reporting this BK on my report with inaccurate Dates. Please ask them to report the correct date. 
Thank you XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was threaten by my case manager several times in the beginning of my debt being sold to this company. I was threaten over and over again. However, once I set up a payment plan with this collection agency Citi Bank continues to post on my credit report that they are not receiving a payment. Where is my money going? Why am I being threatened?
Complaint sub-issue: Reporting company used your report improperly

My telephone service provider claims they were sent a letter from the credit bureau that my address was incorrect and that they need to change my address.

1. My telephone service provider is refusing to give me a copy of said letter 2. No letter or correspondence of this nature ( address verification ) was ever submitted to me on behalf of the credit bureau.

3. Credit bureau keeps removing freezing and locks on my credit account without my permission or notification.

4. Credit bureau will not investigate claims submission to remove incorrect information.

5. Credit Bureau will not provide accurate information on my credit report 6. Credit bureau automated systems states information about me that is not being listed on my credit reports
Complaint sub-issue: Personal information incorrect

Equifax is reporting wrong address for me, which is fraud and identity theft. I never lived at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, I never lived at XXXX XXXX XXXX # XXXX XXXX California XXXX
Complaint sub-issue: Account information incorrect

Equifax has my account showing date of last payment XX/2017 a balance amount {$2900.00} a charge off amount of {$2900.00} My account was closed out onXX/XX/2017 as inactive and a balance of {$0.00} I was mailed a copy of this account with the account number. 
I have provided by mail to Equifax proof of the account there is no active account no last payment nor a balance on this account as stated on my credit file by Equifax.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase in XXXX and created a credit card dispute under the bases of incomplete services with Discover on the date of XX/XX/2022 for the amount of {$2300.00}. On the discover credit card services website and their own cards benefit pamphlet it shows that discover has the ability to dispute purchases for 3 reasons, one of them being " Incomplete service : Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I made a purchase on an order where the seller messed up and sent me the wrong items. They agreed to a refund once I returned the item. This was the result of the products received wasn't as advertised, as clearly stated by discovers return policy. I agreed to return the items, and the return was sent back and delivered. After delivery, the seller refused to refund me for some odd reason. I believe they were double dipping me by keeping my order that I returned brand new and the money I spent on it. So they got a 2 for 1. I told discover this and provided ample amounts of evidence, of the order being returned and received by the seller and the seller refusing to refund me. They still sided with the seller. I opened a chargeback not only once but twice and they still sided with the seller when I provided evidence that the return was delivered to them and the seller was committing fraud by keeping my return and the money I sent them. Discover said I need proof that the refund is owed to me. How can I get proof from a fraud company that won't return me my money or the items I bought from them? Discover does not uphold to what their dispute claims are stated on their website. They do not care if their consumers get scammed. They will let it happen and ignore their consumers.
Complaint sub-issue: Not given enough info to verify debt

Back in XXXX, 2015 I pulled my credit report and I notice XXXX debts on there from Enhanced Recovery Co. XXXX for {$99.00} and XXXX for {$130.00} I know for a fact that I did not owe these debts so I wrote a letter of dispute and asked for validation of the debts. After doing some research online I offered to settle the debts just to have them remove from my credit even though I know I do not owe them. I wanted to improve my credit as I am trying to purchase a house within the next two years so I figured I could get rid of them since they are minimal for my piece of mind. I verified Enhanced Recovery Co. address and I sent the XXXX letter of dispute asking for validation of the debts on XXXX XXXX, 2015. I waited 30 days for a reply but I did not get one. I sent a XXXX letter on XXXX XXXX, 2015 and as of today, XXXX XXXX, 2015 I have received no reply which shows me that these have no proof of these debts and are ruining my credit for no reason. Since these so called bad debts can not be proven I can only assume that these debts are not valid especially since I have never had service with those companies.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had a {$3.00} billing dispute against merchant XXXX that I had raised with Discover bank and it was resolved by discover but they never credited {$3.00} to my account and now I see that they are adding interest to that amount every month. 

Dispute reference - XXXX
Complaint sub-issue: Account status incorrect

I was late on my payment with XXXX furniture back in XXXX of 2020, but I quickly brought the account back into good standing. Despite that, XXXX continues to report my account delinquent, although I have been making regular, on-time payments since XXXX. I have contested the status of this account through Equifax, but XXXX refuses to report the proper status of my account.