Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

I bought a car at Carmax XX/XX/2017 and it was financed with Carmax finance. 
From the start there was a problem with the car. I tried to get it in to the dealer before the 30 day warranty was up and at first they kept stone walling me until I showed up with the car and left it with them. Eventually they fixed it -- supposidly. 
I called again and again complaining it still had the same problem and they were stonewalling me from bring in the car under the warranty they sold me. When I finally got the car in they test drove it and then had me in the car asking if a certain sound was what I was talking about and I said yes. The mechanic said it was supposed to make that kind of noice. So at that point I accepted if for the time being I left. 
However, in the meantime I kept calling and calling to to speak with the automotive repair part of the dealership and the person answering the phone kept hanging up on me further stonewalling me. 
Eventually I cancelled the extended warranty since I was unable to use it. 
I only drove the car to the grocery store, church and a doctors appointment so I didnt put on many miles on it and had it for way less than 2 years. 
Eventually the transmission gave way and Carmax said they dont do transmissions so I took it to XXXX and it would have been {$4500.00} for me to fix it and since I didnt have the warranty any long I couldnt use it but then again it didnt cover transmissions. 
I asked Carmax Finance to extend credit to get the car fixed even though the car fell under the lemon law and I called in 10-15 times trying to resolve problem that but couldnt. I told them that I still wanted it and they wanted money therefore it would be in there best interest to help me. They said they wouldnt do anything even with all the problems over time so I told them to come and get the car. My telephone number at the time was XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a victim of ID theft due to the Equifax data breech for several months now. I continue to request that the CRA 's block this inaccurate information yet they refuse.
Complaint sub-issue: Information belongs to someone else

I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

Guys I highly believe that with all of my efforts of disputing since last year, that Im being willfully violated regarding my credit. I disputed my credit report for all accounts in XX/XX/XXXX after having to apply for a mortgage for my family to have a place to stay. I was being turned around because all of the accounts that are being charged in my name. I requested an investigation and original proof to be sent to me. I got absolutely nothing back. Not only that I decided to send a re-investigation letter through certified mail on XXXX XXXX to all 3 bureaus and requested specifically that every date, balance, verification of debt, payment history and all be checked thoroughly again. However, there has been no correction only more reporting that arent the same across all 3 bureaus. Im now out of a home with my XXXX children and my wife and have no other option at the moment to get my own place of living. 

Im have over 13 accounts from the same Creditor : Account Name : FED LOAN SERV Account # XXXX being reported on my credit report. They all show the exact same account number, but completely different Date Open, High Credit, Payment History, Date Last Active, and more. Then theres 3 more accounts with the same account number under FED LOAN name, with lots of blank data from all 3 bureaus. 

XX/XX/XXXX is the oldest account under the names which is already 13 years of age and the oldest account being reported is XX/XX/XXXX which is 7 years of age. 

Again, its been few attempts to hear back from them. 

Section 607 ( b ) by FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I saw on the CFPB bulletin for XXXX XXXX, that theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were 5 things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 
Ive been mistaken for other XXXX XXXX continuously, but this time it actually cost me housing and denial from banks and damaged credit. 
Im requesting monetary relief per violation ( and the willful violation ) and for the damages that were caused and money spent trying to fix the same issue multiple times. 
15 USC code 1681n ( a ) ( 1 ) ( A ) Also, consumer reporting agencies must Correct or Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

I will attach both proofs of credit reports I pulled from XXXX XXXX ( in color ) and XXXX XXXX ( black and white ink only ) to compare if they thoroughly investigated and corrected anything. I will also list the tracking numbers below for the disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM THESE FRAUDULENT ACCOUNTS OR INQUIRIES
Complaint sub-issue: Account status

1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts 2. I have been unsuccessfully trying to get removed the XXXX account, " recovery '' item also agreed to by XXXX to remove in the attached e-mail Thank you for your help XXXX XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX e-mail : XXXXXXXXXXXX phone : XXXX
Complaint sub-issue: Other problem

I purchased a mattress from Macy 's in XXXX, XXXX. The mattress came with a 10 year warranty. The mattress began to fail within 6 months and by late XXXX I was no longer able to sleep on it. Macy 's sent their technician to inspect the mattress and confirmed that the mattress should be replaced. 
I confirmed with their customer service department that I was eligible for a full refund of the {$2000.00} price of the mattress. 
I went back to Macy 's and picked another mattress and confirmed again with the sales person that I could apply the {$2000.00} credit to the mattress and that the credit would be applied when the mattress was returned. The new mattress was delivered in XXXX, XXXX and the old mattress taken back to Macy 's warehouse. 

Macy 's has never applied the credit and are billing me for the balance, charging penalties and reporting my account to the credit rating companies, dropping my XXXX score. 
I have called countless times, written multiple letters and have received no response. They have acknowledged the credit is due to me but have not/will not apply it
Complaint sub-issue: Information belongs to someone else

This loan does not belong to me it was taken out in someone elses name. And Equifax has chosen to reage the account as you can see below. 

DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX Status : 120+ DAYS PAST DUE Account Owner : Individual Account. High Credit :  {$3500.00} Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan. : Installment Credit Limit : Term Duration : 128 Months Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 48 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Education Loan Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR 120 XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NR NR NR NR XXXX NR * * * * NR * * * 90 XXXX XXXX XXXX NR NR NR NR NR XXXX XXXX XXXX 90 120 150 NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR
Complaint sub-issue: Their investigation did not fix an error on your report

This is disappointing! I have been disputing for the correction of the accounts that are reporting erroneous information on my Credit File but it is clear that the Credit Bureaus do not pay attention to any of my disputes at all! The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXXD XXXX Balance Owed : {$4000.00} XXXX XXXXXXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXXXXXX Balance Owed : {$0.00} ; and XXXX XXXXXXXX Balance Owed : {$0.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report.
Complaint sub-issue: Reporting company used your report improperly

REPUBLIC FIANCE has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15 IT STATES THAT ALL may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

Consumer Relations, After reviewing my credit report yesterday. I noticed that a employer was added to my credit report. XXXX XXXX  should not be on my credit report and please move ASAP. Not sure why employers and inquiries are on my report I don't have enough credit to apply for anything. All inquiries in the month of XXXX needs to be deleted. 

Thanks XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX  FOR XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX, XXXX XXXX, XXXX INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/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 | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX
Complaint sub-issue: Debt is not mine

I recently discovered a questionable item on my credit report, which had been paid by my mortgage company before as a financing condition. I went ahead and asked this company to validate the account under the FDCPA. The company failed to provide me with any validation of the account and persevered with reporting the account on my credit report and even verified the account as a valid account instead of reporting it as a " disputed account '' as required by the FDCPA
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX   XXXX {$4000.00} XXXX XXXX {$630.00} XXXXT XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$4000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from my credit report.
Complaint sub-issue: Reporting company used your report improperly

Equifaxcredit reports now in XXXX is totally not helpful and does not know anything but what that are told.

1. 3 hard inquires that my die was frozen. I triedfor a year going through them and it is more then frozen.They don't allow me into ny credit for.Since they moved t XXXX they have my score even messed u p. They let credit cards close down but tried to lEt there cards that they get rgit get over credit freeze and give me HARD INQUIERYS. 
A. XXXX XX/XX/2020 B. XXXX XXXX  XXXX C. XXXXXXXX XXXX XXXX XXXX All 3 were on credit freeze that whole year until today. 
No investigation was made like FCRA SECTION 609, 611 OR 625 were not even used for any thing wrong with credit file. My score should be over 750 but they made cards close by letting them use my report to see info like was I using there cards or stuff that was licked.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the three credit bureaus regarding XXXX XXXX account on my credit report. The law says that delinquency are to remain on credit reports counting from the first time the account was delinquent. The first time that my account appeared delinquent and reported by XXXX XXXX was in XXXX. All three credit bureaus dropped my XXXX credit reporting fromXXXX XXXX and started the reporting from XXXX with a negative reporting in XX/XX/XXXX. This information is incorrect and the reporting should date back to XXXX -- -meaning this account should be removed from my report from all three credit reporting agencies because the XXXX XXXX falls in the 7 year delinquent rule and should have been removed from my credit in XXXX. We are now in year XXXX and the XXXX XXXX has XXXX   up my reports on all three account more than 3 years past the time that he should have been removed. 

In regards to XXXX XXXX. My credit card was closed due to misuse of the card by fraud and the company cancelled that account and re-issued me a new credit card. The three credit bureaus decreased my score in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX involving this account. The account has never been delinquent, but my score is XXXX with this account monthly in order to justify decreasing my credit score. 

XXXX XXXX scores for the three credit reporting agency has decreased my credit score as much as 67 points in XXXX and decreased again in XXXX. This card is constantly used by the three credit scores to decrease my credit score, but the card is currently. Even when the balance is low, the three credit bureaus do not add the deduction amount that they used for decreasing my credit score.
Complaint sub-issue: Was not notified of investigation status or results

so i sent a couple of letters to the bureaus, and i have not herd anything back, this was 60 days ago and to my understanding i should have heard something from someone, no one has called me but i have called them but i cant get on the phone with a live person, there is something wrong with that because it is hindering me from getting credit because every time they pull up my report they can see whats on there, it is a bankruptcy that should not be on my credit report, i spoke to the court about this matter and they said they do not report to the bureaus please remove it from my credit report. either respond or delete whats on there off. my list of things on my credit report will be posted below. 

Equifax. 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Voluntary XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

XXXX. 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXpetition filed Case Number : XXXX This account is inaccurate. Please delete at once. 

XXXX

1. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy filing Case Number : XXXX This account is inaccurate. Please delete at once.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2001 XXXX XXXX hit with a hard inquiry. I have tried on multiple occasions to have this removed sending letters and calling them over the past year. I asked them did I have new credit card or anyone apply for a new credit card they say no. I know I have had an account with them 5+ years maybe someone requested a credit line increase is the only other thing i can possibly think of that maybe I left the computer on at a library or somewhere I was at. I never authorized anyone to run my credit on that day and would like the inquiry removed. I am very happy with XXXX XXXXXXXX otherwise as i've been a long time customer but this inquiry I honestly have no idea what there talking about and is in accurate and erroneous
Complaint sub-issue: Information belongs to someone else

COMPANIES THAT HAD INQUIRED MY CREDIT REPORT XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX PNC BANK XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I received notification that 3 hard inquiries had been made on my Equifax credit report on XX/XX/2019 by XXXX, XXXX  XXXX, and XXXX XXXX XXXX, all in the Auto Finance category. After speaking with several people at these companies, I was told by XXXX XXXX XXXX ( XXXX ) that a XXXX XXXX in South Carolina had made an application for an auto loan over the phone using my social security number as her own. XXXX declined her application and submitted it to affilliates ( i.e., XXXX and XXXX XXXX ). XXXX opened a fraud investigation and concluded that this was in fact fraud. XXXX notified Equifax of their determination of fraud. 

I also filed a police report and made Equifax aware of this as well. 

Based on the information provided by me and XXXX, Equifax is on notice that XXXX agrees that their hard pull on my credit was unauthorized by me and was the result of fraud. Equifax is also on notice that, unaware of the fraud at the time, XXXX submitted the fraudulent request for credit to XXXX and XXXX XXXX, resulting in the 2 other hard pulls. 

Despite having the information above along with my offer to sign an affidavit confirming the same, Equifax has only removed the XXXX hard pull and not the other two. I also have reason to believe that this fraud resulted in grossly inaccurate employment information being listed on my Equifax credit file. Equifax has been extremely difficult to deal with and refuses to take this issue seriously. 

By continuing to knowingly include inaccurate information on my credit file, Equifax is unfairly lowering my credit score and harming my ability to conduct business with any company that uses Equifax 's services. As such Equifax is causing continuing and irreparable harm to me.

Congress should take action to regulate these types of harmful practices by credit agencies like Equifax, but in the meantime, assistance in causing Equifax to correct my personal credit file would be appreciative. It has been almost 3 months and countless hours spent trying to get this resolved.