Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX SOC SEC ADMIN OFFICE XXXX  XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Complaint sub-issue: Other problem getting your report or credit score

I have reached out to Equifax about 15 different times over the last few months. I am desperately trying to buy a home. My mortgage co is able to obtain my credit report from XXXX and XXXX but not from Equifax. I have open tradelines starting in XXXX that are still open and active. These are major creditors like XXXX and XXXX XXXX XXXX that I know for certain report to all 3 credit agencies. When attempting to pull my Equifax file ( which is required to give an underwriting decision, Equifax is not releasing it stating : EQUIFAX : INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE. 

I have never changed my name, I have lived at my same address since XXXX and I have never altered or changed my social or date of birth. I have NEVER filed a fraud claim, nothing. 

I am a loan officer for a mortgage co and I will tell you that we are seeing this same error message with ONLY Equifax a LOT this year. About a 3rd of credit reports we pull, we have no access to the borrowers Equifax file and it's this same error message. Never any challenges with XXXX and XXXX. Like, what is going on here!!!??? 
Is it because of their SECURITY BREACH in XXXX??? 

I have called EF about 15 times in the last few months. They've requested that I FAX a copy of my drivers license and social security card and can never find it. I can not believe they can ask me to FAX my personal stuff like that but I have no choice. When I call them back after the 5 day period they are extremely rude and tell me no one can help me until they receive the docs. They are rude and I can not move on with my life because of THEM! 

Bottom line, I want this resolved so I can put a contract on a house. The lack of inventory right now makes it difficult to just wait until EF can do their job and help me so I can purchase a home. 

I NEED HELP, PLEASE! 

Thank you, XXXX XXXX XXXX cell XXXX
Complaint sub-issue: Account status incorrect

In XX/XX/2015 I processed an additional deferment with AES. Oddly, after processing the deferment with AES I began receiving late notices so I contacted them again and they corrected the issue ; however, they never fixed my credit report which is preventing me from buying a house.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has failed to properly validate this account and has slandered my personal credit profile. I sent them a letter XXXX XXXX in which they failed to respond with justifiable proof in the allotted time frame. At this point my rights have been violated and my personal credit profile slandered. According to these laws there's nothing more to discuss 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Information is missing that should be on the report

loan with XXXX XXXX loan number XXXX reported to them back in XX/XX/XXXX that this mortgage was not reporting a credit agency for both my wife and I was told they would start reporting Had my credit pulled for a VA cash out refinance and found out still not reporting to any credit agency was told that is was because we had a chapter XXXX BK and it needed to be reaffirmed after agent Annup # XXXX found out we reaffirmed with XXXX that it will have to be go to their BK department now I was on hold for 45mintues and still on phone Agent told me that it shows that we reaffirmed with XXXX even XXXX serving reported up until XX/XX/XXXX as reported on updated credit report. 
XXXX agent has no pull to correct this and now have been told it has be submitted their credit operation department to investigate I Need this to report to all 3 credit agencies for both my wife and I to finish our refinance
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX  allege account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account information incorrect

I recently did a refinance of my existing mortgage in order to lower my interest rate ( and lower my monthly payment ) and to get cash out to pay down existing debt. As a result I was able to eliminate 3 credit card balances and a personal loan for a total of over XXXX dollars. 

On XX/XX/2020 my credit score dropped 28 points to XXXX which is where it stands as of today. This is inaccurate and I want my report to reflect such. I don't believe a 28 point drop accurately reflects the elimination of over XXXX in debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I never gave the consumer reporting agencies to report the account " XXXX XXXX '' on my consumer report. They keep sending my disputes back as verified not investigating and providing me with how they validated this account. U.S code 15 usc 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. Immediately provide me with evidence that I signed and submitted written instructions for yall to put this account on my reports without my written consent. this is damaging my reputation and causing me emotional distress.
Complaint sub-issue: Can't close your account

A fraudulent checking account was opened under my name, through US Bank.
Complaint sub-issue: Problem with statement of dispute

I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/XX/XX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted Equifax now its XXXX.
Complaint sub-issue: Information belongs to someone else

The Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

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

On the above morning,XXXX, I received credit alerts through my XXXX XXXX account, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX that the following companies received Auto loan requests with my personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Flagship Credit Acceptance. My credit score dropped XXXX points on XXXX, XXXX points on XXXX and it was difficult to determine on XXXX because of a collections removal, it went up XXXX points. I did not Authorize the use of my information. Spoke with XXXX XXXX and XXXXXXXX XXXX who could not verify that my information was in their system by my SS number and to report to the credit bureaus.Spoke with XXXX who wouldn't file dispute over the phone. Said they needed writing because of hard inquiries and to contact the lenders. Spoke with XXXX who was surprised because of active fraud alert on my account and XXXX me to file a FTC report who transferred me to this site
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.
Complaint sub-issue: Charged too much interest

Hi, this is the second time I am getting charged interest incorrectly. I fully paid every promotional balance due and am still getting charged interest. I need the credit card company to remove this from my account immediately. Thank you
Complaint sub-issue: Information belongs to someone else

Hi, I would like to complain about accounts that I have in my profile, the point is that these are not my accounts but they are reported by mistake in my credit report. I kindly ask you to delete them all please.
Complaint sub-issue: Personal information incorrect

I looked up my credit report on Equifax and it said someone changed my name to XXXX XXXX This is wrong. My name is XXXX XXXX. I have not changed my name. Im worried someone else did this and could be possibly trying to use my social security and name. Please help me My phone number is XXXX XXXX XXXX XXXX Thank you XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX
Complaint sub-issue: Deposits and withdrawals

I deposited a check from my brokerage account to my US Bank checking account in the normal course. Us bank sent me a letter indicating they had reason to believe the check would not be paid. Customer service at us bank sent me to fraud, and then to my branch to resolve. They could not resolve the issue which was an unreasonable hold of 14+ calendar days to clear the funds.
Complaint sub-issue: Problem when attempting to purchase vehicle at the end of the lease

I am purchasing my car at lease end due XX/XX/22. The agreed documented contract price is XXXX. 
I contacted the Audi Financial services dept, they said I needed to go to the dealer. Contacted the dealer on XX/XX/22, let them know I am buying the car and they emailed me a document, with multiple ambiguous dollar sums totalling XXXX. 
They included service contract XXXX which they removed. 
The base amount they used was XXXX, it is clearly on the attached contract as XXXX, then they added fees of XXXX, added government fees of XXXX, 7 % tax, I argued Florida is a 6 % tax state they argued it is 7 %. 
They said they, ( the XXXX dealer ) has to buy the car from XXXX financial, and that changes the residual value on the lease agreement. 
I read blogs where other people report there is NOTHING the laws do to protect consumers and they can basically charge whatever they want. 
So I ask what the purpose of sn " agreement '' is in the first place. My hands are tied I have to sign these documents, and when I try to get resolution the narrative will become " well she signed the documents '' because I will run out of time here. I CAN NOT believe the public is not outraged by this shameless manipulation and NOTHING is being done to stop these deslerships from taking advantage, snd not honoring their own contract. This is so wrong, adding XXXX to the buyout price alone tells me there is a real problem here. Please help me.
Complaint sub-issue: Debt is not mine

These people call numerous times almost daily claiming we owe XXXX money. My husband nor myself has used XXXX in XXXX years and have never received any communications from XXXX nor this Allied International Collection Agency. I have repeatedly told them not to call because we do not owe the money and requested things in writing, to no avail. This has been going on well over a year and it has risen to the level of harassment. Not only is it not on our credit report, my husband and I are planning to buy a home and have been working to build credit, so I know this does not appear on our credit reports. If it were a real debt, we would have paid it before going to collections and would have known about it long before now.
Complaint sub-issue: Information belongs to someone else

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.
Complaint sub-issue: Don't want a card provided by your employer or the government

On XX/XX/XXXX I received a debit card in the mail from Key bank for an account with the Illinois Department of Employment Security presumably for unemployment benefits. I have been retired since XX/XX/XXXX and am not entitled to, nor applied for said benefits. Upon trying to contact Key Bank, I was given the opportunity activate the card which I did not. I tried to find a choice on their system to talk to someone but, just got put on hold, cut off.
Complaint sub-issue: Information belongs to someone else

In accordance with Fair Credit Reporting Act 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 XXXXXX/XX/XXXX has violated my rights.

15 USC 1681 602 A states I have the right to privacy.

15 USC 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

XXXX OPEN DATE XX/XX/2019 In accordance with the Fair Credit Reporting act XXXX  Account # 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
Complaint sub-issue: Debt is not yours

I checked my credit report on XX/XX/XXXX and there is nothing reported from this company. I recently checked my credit report again, XX/XX/XXXX and now there is something from CKS Prime Investments for XXXX XXXX, showing opened XX/XX/XXXX, past due for {$4000.00} and past due on both my XXXX, and XXXX credit reports. I disputed with both XXXX   and XXXX ; however, I do not know the results yet. I have no idea what this is for, never received anything in the mail regarding this debt and it being placed on my credit, and do not believe this is for me. This company is reporting to my credit something that is not mine and should not be reported.
Complaint sub-issue: Information is missing that should be on the report

XXXX  isn't reporting these open acct. One is my mortgage which is with XXXX XXXX XXXX XXXX. Acct # XXXX. Date XX/XX/2019 my credit score drooped by XXXX points. 
My credit card Acct # XXXX XXXX the bank name is XXXX XXXX XXXX credit card isn't even being reported, but have added an attachments to show proof. This is to is not being applied to my credit score. Can you please help me with this problem?
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is not showing in dispute nor is it removed from my report. The account always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud account affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Complaint sub-issue: Reporting company used your report improperly

XXXX, equifax, and XXXX refuse to give me my credit report after illegally using my information, Im demanding my reports from all three agencies so I can access the damage done to my credit profile!
Complaint sub-issue: Didn't receive advertised or promotional terms

I signed up for the us bank attitude go visa signature credit card because it offered XXXX point which is equal to {$250.00} when you spend {$1000.00} in the first 90 days of opening the card. I spend {$1000.00} in the first month of open the card and only received XXXX point which is XXXX less then they advertised I called customer service and they couldn't help me resolved this issue and this loses my trust with us bank.