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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX and Equifax ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Chase Card and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the signed agreement for this inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$2000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XX/XX/2022 XXXX Bank XXXX XX/XX/2022 XXXX 's XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those inquiries.
Complaint sub-issue: Received bad information about your loan

Hi, I consolidated my school loans with XXXX XXXX under the belief that my payments would count for eventual loan forgiveness after 120 consecutive payments. I am a full time local government employee and my employment was certified, but after 5-6 yrs. of payments, I have been told that none of those payments would go toward the forgiveness program. I was misled by XXXX XXXX. I recently consolidated with the right program after I sent the certification forms and found out. 

Something should be done. It's not right that I was misled. I went back to school at night and on weekends. I did so as a single custodial parent. This type of program would be very helpful to my financial situation. 

Please advise how this can be remedied. I made on time consistent payments through auto-deduction and it's not right that nothing can be done. 

XXXX XXXX
Complaint sub-issue: Personal information incorrect

I writing about two addresses that I lived at they have both correct and incorrect information. I tried a could of times to correct them with all three of the credit bureaus but they just don't seem to get it. I think it was Equifax that that told me they don't take the disputes over the phone. The first one is where I currently live. My correct address is : XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX, XXXX, WI XXXX. At this address they show me without an apartment number and they show me at apartment # 1. Every unit ( four of them ) has an apartment number in this building, 1 through 4. I don't and never lived in apartment # 1. I've always only lived in apartment # 4. 
The other address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WI. XXXX. I'm also shown living in apartment in apartment # 5. I have never lived in any other other apartment on XXXX XXXX but apartment number # 8. 
Please help me to correct this. 

Thank you, XXXX XXXX ( XXXX ) XXXX
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, and 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: Their investigation did not fix an error on your report

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Complaint sub-issue: Their investigation did not fix an error on your report

Earlier this week, Equifax admitted to reporting erroneous credit scores. Equifax also has a class action lawsuit. On XX/XX/22, I have called Equifax NUMEROUS of times. On a phone call with one rep, I constantly requested to be transferred to a supervisor or manager. That rep left me on hold for almost 30 minutes. Equifax recently CONFESSED to reporting incorrect credit scores at the beginning of the year and also have a class action lawsuit against them. I called Equifax demanding they removed the inquires, XXXX XXXX XXXX and XXXX XXXX off my credit report. I have explained before where Equifax and XXXX XXXX  are violating my federal privacy right violating 15usc 1881a ( 3 ) and ( 4 ). I have never given XXXX XXXXXXXX XXXX permission to share my information or reported. ALSO Equifax is reporting erroneous information on my credit report. XXXX XXXX is reporting an account that is constantly being re-aged. That is definitely illegal.. 

I need this rectified IMMEDIATELY! REMOVE XXXX, XXXX XXXX AND ALL INQUIRIES file : XXXX : XXXX/Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted an online pre-qualification request to XXXX XXXX XXXX on XX/XX/2020. I specifically ensured I was doing the form for a pre-qualification as I didnt want a hard inquiry on my credit report as Im in the process of building my credit and have done my best in the past year or so to avoid unnecessary hard inquiries. XXXX XXXX then proceeded to process my pre-qualification as an actual application for credit and created a hard inquiry on my Equifax report that lowered my credit score. After contacting both XXXX XXXX and Equifax, both are pointing the finger at each other and neither believes they can fix the issue which is simply a supposed to be soft inquiry gone awry.
Complaint sub-issue: Debt is not mine

XXXX XXXX sent a report to a debt collector AFNI stating I owed them {$930.00} for service in XXXX Illinois. I had never lived or even been in Illinois in my entire life. They sent me the bill because the person in Illinois used my name and something close to my social security number but not my exact social security number. They transposed two numbers therefore it is not my social security number. This being said I should have never received a bill. Now I have been thru filing identity theft case to the police department sending letters to debt collectors, dish network and credit bureaus. Nothing seems to be done about this incident that should never had happened since the social security numbers does n't much.
Complaint sub-issue: Personal information incorrect

Wrong names and addresses on my account. Account showing closed accounts with balances. Reporting collections with past due balances that are incorrect.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called  XXXX  twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
<P/>
The following inquiries should not be listed.
  XXXX   XXXX    XXXX , PA  XXXX   XXXX / XXXX /17   XXXX   XXXX    XXXX  , NJ  XXXX  which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/XXXX .
Complaint sub-issue: Account information incorrect

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agency and the company. My rights have been violated. I sent in several disputes to have incorrect information deleted from my credit report. XXXX XXXX XXXX has been reporting incorrect information on my report. I have asked them to provide proof the proof provided was incorrect and was not what was being reported on my credit report. I have asked Equifax to do and complete a thorough 8investigation and have not received any feedback or even an update on the dispute. Yet they have added this account back to my Credit Report without my knowledge. I do believe that under the FCRA this is illegal on both the CRA and the company. So again this is my final attempt to have this problem fixed before I seek legal action to have this completed.
Complaint sub-issue: Can't temporarily postpone payments

I have fallen behind on XXXX of my private loans because I am making payments on other private loans, as well as the bare basics to live on. My parents, XXXX of whom is XXXX, have no way to make payments even though they are the co-signers. I am currently planning to make a move and job change to try to improve my situation. I have a previous arrangement with great lakes for a reduced payment of around {$140.00} a month however I was in the hospital and XXXX as well as other life-issues happen and have fallen behind, I am making small payments when I can every few weeks but the current " past due '' is over {$600.00}. They call my parents several times a day, threatening collections and demanding that they make a payment and threatening default - this happens every single day even on weekends though they never call my phone. I call them several times, explain the situation, asking them for any way to reduce or postpone the payments, to do anything to keep it from going to default - I simply can not pay what I do not have. They basically tell me time and time again there is nothing they can do, it does not matter. 

I am attaching email correspondance - I emailed them after speaking with several reps who suggested that I send an email because they were not sure which department could help me. I sent an email and got a reply saying " it looks like your question about your loan going into default was already resolved ''. WHAT??? I called again and FINALLY a nice rep informed me that basically the only way I can get any help or deferment or any kind of a different arrangement to AVOID default - he told me the only way to get any kind of help would be to enroll back in school and take out more loans. 

So my choices are to 1 ) default on my loans if I am unable to find a better job/more income, even though I am doing everything I can and will continue or 2 ) enroll in school when I 'm not sure I want to go back and take out XXXX more dollars in debt.
Complaint sub-issue: Personal information incorrect

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. 
I need these addresses removed from my report they are inaccurate. I do not live at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXX XXXXXXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Consumer Financial Protection Bureau, The following information is what I faxed to Citi-Card Bank over my Billing Error Dispute with XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, in the amount of {$4300.00}. This dispute was originally opened on XXXX, and is still under review to this day ( over a year later ). I have attached several statements that will verify that this dispute has been re-opened and under review since XX/XX/2020. 

I received charges for goods that weren't delivered as agreed, by XXXX XXXX XXXX XXXX XXXX XXXX. Citi-Card 's lengthy and inadequate/poor/misguided investigation has resulted in a clear violation of The Fair Credit Billing Act. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear Citi-Card Billing Disputes, I paid for an expensive XXXX XXXX XXXX ( Seasonal Energy Efficiency Ratio ) Heat Pump and Electric Indoor Furnance, as stated on the invoice shown below. 

XXXX XXXX ( Sole Proprietor of XXXX XXXX, XXXX XXXX  XXXX ) installed a cheaper, much less efficient XXXX XXXX XXXX Heat Pump and Electric Indoor Furnace on XXXX. I clearly did not order this model of XXXX Heat Pump and Electric Indoor Furnace.

The attached documents fully supports my position. 

I still have not received the more expensive super-efficient XXXX XXXX XXXX Heat Pump and Electric Indoor Furnace, that I paid-in-full for on XXXX. Our texted correspondence ended on XX/XX/2020. 

XXXX purposely installed the cheaper, less efficient Heat Pump and Electric Indoor Furnace, assuming that I would never notice the difference. If I hadn't filed for the AEP rebate and been denied it, I probably would have never realized that he took advantage of me. 

This XXXX XXXX Heat Pump and Electric Indoor Furnace that XXXX installed versus the XXXX XXXX Heat Pump and Electric Indoor Furnace ( that I bought ) will prevent me from saving an additional $ XXXX $ XXXX on my electric bill over the expected 15-25 year lifespan of these two ( 2 ) units. 

Please notice the invoice I paid and the description of the Heat Pump listed is XXXX XXXX. XXXX changed the invoice through the Joist Application, back to a XXXX XXXX Heat Pump, around XX/XX/2020, once he found out I knew that he had scammed me. 

Thank you for your assistance in this very important matter. Please don't hesitate to call or email me if you have any questions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Cell # XXXX
Complaint sub-issue: Fraudulent loan

Since 2012 I have been disputing on loan collections with schools and credit reporting agencies and I have not receive no positive letters.
  XXXX    College was displine by Federal Government and Federal Loan Servicing has n't deleted the negative student collection on my credit report with  XXXX ,  XXXX  and  XXXX .
I can not persue my degree and attending a University if the collections are on my credit and credit files with Agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed late payments on my credit report that was placed by XXXX XXXX XXXX they placed ( 2 ) 30 day lates that were inaccurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The three credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from XXXX Equifax XXXX and XXXX XXXX XXXX.. 


Attached are receipts of payment
Complaint sub-issue: Investigation took more than 30 days

I am having the exact same problem as my husband. I also mailed disputes to the bureaus on XX/XX/XXXX and have not received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX   2016  i filled a dispute against ERC  XXXX   XXXX   XXXX  in the amount of {$340.00} and on  XXXX   XXXX     2016  it was removed from credit reports all  XXXX  credit agency 's and now reported again as a new collection i had no warning no letter i received an email from my monitoring service that was added once again ... same amount from ERC i have filed another dispute with agencies and they said they nothing i can do ... how can they remove it and reopen it ... ..       thank you  XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

i recently sent a letter to the I.C. SYSTEM, INC and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I asked the company to take it off because it is expired but it's still on my credit report the
Complaint sub-issue: Account information incorrect

XXXX XXXX  is wrongly reporting an account on my Equifax Credit File. XXXX XXXX Account ending in XXXX is a closed account and was charged off nearly 4 years ago. If the account was closed and charged off nearly 4 years ago then the balance should be " 0 '' and not {$1200.00}, nor should it be reporting monthly.
Complaint sub-issue: Trouble with how payments are being handled

I'm waiting om a refund from them XX/XX/25 I had called and I see people getting refunds who requested after me. I've been waiting about XXXX days now.
Complaint sub-issue: Debt is not mine

I received a phone from XXXX for a debt that I is not MINES!
Complaint sub-issue: Reporting company used your report improperly

I, the consumer sent all 3 credit bureaus Equifax, XXXX, and XXXX  a removal letter through certified mail. The dispute letters were sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent all 3 letters with a green return receipt and only two of those corporations have signed saying they received them. Under federal law, these corporations have violated me as a consumer. XXXX, Equifax, and XXXX  's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but the corporation. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Complaint sub-issue: Problem with fees

When the pandemic hit I signed up for Covid-19 waiver with this waiver not supposed to get fees for missing payment as payments delayed. I have tried resolving issue through company with no help.