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

This is a formal complaint that the credit bureaus are reporting inaccurate credit information. I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have disputed with the credit bureaus about account XXXX # xxxxxxxxxxxx XXXX all 3 credit bureaus have different date of last payment, date of delinquency, payment history and one has no information this are all inaccurate reporting which is means for DELETION The FCRA requires consumer reporting agencies to maintain accurate and complete files. According the FCRA, you have a right to review your credit reports and have inaccurate, incorrect and corrected and DELETED The credit reporting agencies ( CRAs ) are responsible for investigating, correcting, and deleting incorrect information contained in your credit reports. The credit reporting agencies must report only accurate information. Inaccurate information must be corrected or deleted. The have been given several opportunities to fix the matter but they come back as accurate I would like for this information to be DELETED Please see attached pictures that indicated the inaccurate reporting They have also violated my rights under 15 U.S.C 1681 Section XXXX04 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Complaint sub-issue: Information belongs to someone else

I submitted a complaint in regards to accounts reporting on my report, it's been well over 30 days and I haven't heard anything back in regards to these changes.
Complaint sub-issue: Information belongs to someone else

I contacted Equifax to let them know there were a lot of fraudulent inquiries made there were 28 of them. And I was hoping that they would remove them without having to go through this process but they said they could not and I had to file a report with you guys.
Complaint sub-issue: Talked to a third-party about your debt

I am constantly being harassed by XXXX XXXX he constantly states that he is a compliance officer for XXXX XXXX XXXX and he is filing a case against me, he reaches out to my family and threatens to call my employer but never tells me any information when I speak to him he constantly tells my family that he is going to come to there house and look for me. He doesnt state who he represents but he leaves a number for me to call with a case number that leads me to a woman stating she is my case worker for my loan with loan me and she is filing against me in XXXX XXXX court 2 allegations. They dont tell me what company they are they just tell me they are representing Loan Me.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please ( Original Creditor : ) XXXX,
Complaint sub-issue: Personal information incorrect

Numerous attempts to contact Equifax by phone and internet are met with " system down '' and " try this '' type of response .... none of which work. 
I have two addresses shown by Equifax, which were removed by both XXXX and XXXX   because they are fraudulent and were attempts to steal credit card information. 

I was recently refused opening an account at a bank because I denied ever living at either one of  those addresses. I had requested Equifax to remove them about two years ago when the attempt to steal my credit card was made but did not realize until I applied at a bank recently that they still exist. 

One method I have been given by Equifax to resolve this is for me to send by US Mail several sensitive documents that I don't want in the wrong hands. I have even accepted the invitation by Equifax to use their " TrustedID '', which should allow me to securely communicate with them. However, this has not worked and they simply keep saying to submit a dispute but has made it difficult, if not impossible, to do so. Seems like they want to push off people until they get frustrated at the process and give up. 

I will not give up and will contact my State Attorney General regarding their regulation of Credit Card Reporting Agencies. I have always had a credit rating about XXXX yet feel like I am a deadbeat when dealing with Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
( XXXX XXXX XXXXXXXX Original creditor : XXXX UNIVERSITY XXXX Date opened XX/XX/2020 Balance {$0.00} )
Complaint sub-issue: Account status incorrect

I have sent multiple request for an unverified account to be reported correctly or removed from my credit report. I have sent notice to Equifax and XXXX both reporting information inaccurately. I have verifiable proof that Equifax has lapsed the 30 day timeframe to investigate this issue and still reporting as accurate. I demand this be removed immediately!
Complaint sub-issue: Information belongs to someone else

I already reached out to the credit bureaus and to PNC BANK, NA for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Complaint sub-issue: Information belongs to someone else

Upon viewing my credit report I saw information on my consumer report that I have no knowledge of.
Complaint sub-issue: Account status incorrect

I have disputed this XXXX XXXX account as fradulent in the past. I also disputed this account as a closed account. The account was then reported as closed but the balance was added to my revolving credit balance, which is wrong. For some reason, XXXX XXXX is reporting as an active revolving line of credit. XXXX  XXXX is a closed, charged-off line of credit. I am not currently employed by a company, so I am not able to pay the debt at this time. This account is in fact closed and nonrevolving none the less. I can work out repayment with XXXX XXXX Bank when I have consistent income and is gainfully employment.
Complaint sub-issue: Information belongs to someone else

i have been a victim of identity theft. Someone used my information to open up a utility bill with XXXX XXXX. I placed a FTC report about this matter and disputed the account with XXXX  and Equifax. XXXX  is still looking into it at the time. However, Equifax refuses to remove the fictitious account from my profile. They said the information is accurate. How is it accurate if i never had a bill with XXXX? This has stopped me from recieving service in my home now. I tried to contact XXXX. They asked me to submit an identity theft packet. In that packet it asks for proof of address. I can not furnish a proof of address at the time because at the time this incident occured, i was a student at XXXX University living in XXXX. so there is no way i lived at the address connected to this account. The amount is for XXXX
Complaint sub-issue: Information belongs to someone else

Equifax breach caused me to have the violations please correct the accounts
Complaint sub-issue: Problem getting your free annual credit report

Today, I used XXXX to view my three reports online. The first one, XXXX, went fine, and I viewed and saved my report with no problems. When I tried Equifax, they asked me some " qualifying questions '', none of which had any relevant data concerning me, so I answered, '' none of the above '' to all four or five questions. Immediately, i got a message that they could not display my report online and told me how to apply for a copy to be snail mailed to me, complete with copies and attachments to prove who I am. XXXX had no problem. When I tried XXXX, they didn't even ask qualifying questions, they went straight to the paper route. What is the purpose of promoting an online website where we can find out what XXXX shared with the world, and the same with Equifax? 

I did a little looking on the web, and this is a known and prevalent problem and has been happening for a while now I want to be able to see everything these irresponsible companies have about me. The last time I dealt with Equifax and XXXX in which I WAS able to see my data - more than ten years ago, they were riddled with outdated and erroneous information. 

If this has been recurring and unfixed, whomever is responsible should get on Equifax and XXXX and make them comply.. We have no choice to opt out, but I would if I could. 

XXXX XXXX XXXX XXXX, CA
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Equifax credit Bureau end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Public record

XXXX and XXXX XXXX are both included in Barkruptcy Chapter # XXXX. Which was Discharged on XX/XX/XXXX, Case No # XXXX Both accounts should be reported as closed, with XXXX balance.
Complaint sub-issue: Reporting company used your report improperly

Improper use of my account. Companies never validated or sent original documents or contracts with my original signature as proof. Account never verified. Many consumers rights have been validated.
Complaint sub-issue: Didn't receive terms that were advertised

US Bank has Summer Checking Promo from XX/XX/XXXX to XX/XX/2019. I opened an account on XX/XX/2019. I told the Bank XXXX XXXX that helped me that I was a previous bank customer 6 months ago and I got previous bonus within that period. She told me that I still qualify for the Summer Checking promotions. I asked several times and she told me that I qualify and proceeded to open an account. I closed my other 2 accounts with the other banks so I can qualify for the amount needed to qualify for the promotions. After several months of waiting when I have not receive the bonus amount I inquired on XX/XX/2019 and I was told that it requires 2 direct deposits and the second direct deposit as the qualifying deposit. I was told to be patient for 2 more weeks. After 2 weeks nothing yet. After series of communications the XXXX XXXX of the branch where I open my account requested the corporate office to credit my account. On XX/XX/2019 I received an email from the XXXX XXXX that my account was not qualified because I have existing account already. Which was not true because I do not have existing account when I open my account. Althought I got a previous bonus within 12 months the XXXX XXXX who opened my account assured me I will get the bonus. I was honest to disclosed everything to her. I would not have open the account without her assurance. I therefore believed that the bank should honor their bank promotions by virtue of their XXXX XXXX.
Complaint sub-issue: Having problems with customer service

I am struggling to get the debt relief I am entitled to from a private loan I received while attending XXXX XXXX. The loan came from a private lender named " Genesis Lending through XXXX bank XXXX Through XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/18 XXXX XXXX XXXX ran my credit report unauthorized I have an hard inquiry because of this I contacted all three credit bureaus to investigate with no response on several occasions.This has created a hardship to improve a better credit score and stress on my family I am a single mother of XXXX in desperate need to improve my score per FCRA guidelines per my attorney you have to remove this inquiry for I don't recognize this.
Complaint sub-issue: Problem when attempting to purchase vehicle at the end of the lease

I have purchased two vehicles from US Bank. The seller was XXXX XXXX in XXXX. Vermont. My wife and I purchased them together and we have outstanding credit and supported income. We have lived in the same house for five years. We leased a XXXX and turned it in when the lease was up. We also leased a XXXX XXXX pick up and the lease is now over. We attempted to purchase the vehicle. They contacted us and took our credit information. We took a hit on our credit score only to be told that our credit was good we are just got done paying off a 3 1/2 year lease perfectly with no missed payments. US Bank ran our credit score dropped as a result and they sent us a letter of denial saying that they could not determine our address. Our address is the same address that we have had with them for five years and two vehicles now they're telling us they can't verify our address. They have been to our house to inspect our first vehicle where it was sent back after the end of the lease. Now our second vehicle would either be sent back or purchased and as I said we decided to purchase. They're telling us now that we have to pay cash in full for the car but we wanted to finance the car which is one of the options they offer but again like I said they declined us in writing stating that our home address couldn't be verified. We have been getting mail at the same location for five years regarding both of our vehicles by them. This is terrible. It seems like a scam. I'm not sure what to do. Obviously I'm looking for another vehicle and I had to release this one for an extra two months. I'm filing a complaint with the consumer financial protection program about the treatment that I received from this banking institution by pulling my credit and my wife 's taking a hit with the credit and then being declined which is outrageous. We have very high credit scores and the appropriate money to show. I think someone there just did not like us they were rude on the phone when they were taking the credit application and then they hung up on us so I suspect that's what's going on with this decline. They can not treat consumers like this and they also can not run consumers credit having it meet all the criteria 's and then still declining us because they have a personal issue. XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXXXXXX XXXX Account  XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX Account XXXX The information you disputed has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX  Account XXXX Information on this item has been updated. Please review your report for the details. Show Details | View your Report | View your credit score Updated + 'icon ' Updated all filed to the ftc wrong address and names need help removing fraud alert from all 3 companies
Complaint sub-issue: Account status incorrect

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. Also, Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove these lates however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Complaint sub-issue: Trouble getting, activating, or registering a card

My claim start date began on XX/XX/2022, and I still have not received my card in the mail. My XXXX says I had received {$600.00} for last year, not sure how much I would be up to on the card by now, I receive about {$170.00} after taxes every week. I haven't contacted reemployme or usbankreliacard.com, I used the information provided to me that details information about the card/account, such as fees, card usage, replacements, etc. It looks like it says to contact cfpb.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$650.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXXXXXX Balance Owed : {$420.00} XXXX  Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX  # XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Complaint sub-issue: Credit inquiries on your report that you don't recognize

During the month ofXX/XX/XXXX, I purchased a car though XXXX  XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help. 

XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Seized/Attempted to seize property

I was contacted by a XXXX to contact XXXX with a file number XXXX. I contacted the number and everyone i talked to was rude. The voicemail stated that there was a case with my apartment complex. The XXXX person I talked to was XXXX XXXX every time i asked a question she was rude. She stated that I was going to be served today and I looked on the county website for any court documentation and there is none. She stated that they have the right to garnish my wages and that information is being sent to my payroll department when I get served. She stated that in Ohio debtors have up to XXXX years to collect a debt and they are requesting that all my bank accounts are closed immediately and I wont be able to open a account within the next XXXX years. They said XXXX has tried to contact me. They said the FDIC is looking to sue me and have no problem doing it. He said they will put a lean on my car and they see based on my credit report that I have been making the payments and I have a nice job so why not sue you. I asked about the date the compliant was filed in court and i was put on hold then a guy named XXXX XXXX. As soon as he got on the phone he started saying since you want to be diffcult in the state of Ohio we have the right to collect the debt up to XXXX years you will never get away from the debt. You have a good job so we are going to sue you if I dont pay large amount by XXXX XXXX.