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

XX/XX/2019 - It was reported that US Bank requested a copy of my credit report from XXXX, which I did NOT authorize. 

XX/XX/2019 - I was notified via email from my credit monitoring service that there had been an inquiry made on my credit report. I was furnished with the name and telephone # of US Bank if I deemed this to be in error. 

The telephone # provided for US Bank was a recording regarding mortgages, after which the call disconnected me. 

I then called US Bank 's fraud department ( XXXX the # ) and explained the situation to an agent. I did provide my name and SS # so the US Bank agent could verify if there was in fact a credit application made using my information. I was told no results were found? The agent instructed me to contact XXXX. 

XX/XX/2019 - I attempted to resolve this online with XXXX  however, was instructed to call the agency as the issue couldn't be taken care online. The XXXX agent was NOT helpful, just recited a lengthy set of instructions I needed to follow to resolve the issue! The first step was to again contact US Bank. 

I again called US Bank, using the original # I was provided. There was another # indicated in the recording, so I called this #. After 3 HOURS of being transferred to multiple depts., asking for my acct # ( I do NOT have one ), searching their records for an active credit application in my name ( some agents reported no application, while other agents did find one? ) and relaying my issue MANY, MANY times, I was told that a consumer dispute would be opened and my issue would be absolutely be resolved. 

XX/XX/2019 - UNBELIEVABLE! I receive a letter from US Bank ( dated XX/XX/XXXX ) stating they are unable to investigate based on the information I provided and in order to continue with the investigation, I need to submit the following : - My name, address and telephone # - PROVIDED XX/XX/19 ... ... 

- Copy of my consumer report showing the inquiry - US Bank made the inquiry, UNAUTHORIZED, US Bank should have the documentation. 

- An explanation from me as to why I would like the inquiry removed. You have got to be kidding me, I explained this several times to several US Bank agents on XX/XX/XXXX. 

XX/XX/2019 - I am thoroughly disgusted with the manner in which US Bank and XXXX have handled my identity theft/fraud issue. How about we train employees to assist consumers with some professionalism and empathy? Instead I get to waste several hours of my time with ignorant, inferior and at times rude employees who apparently think I am wasting their PAID time.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I received a copy of my credit report and noticed some accounts that were not mine. On XX/XX/XXXX I sent in some dispute letters to the three credit bureaus ( XXXX, XXXX and Equifax ) asking to validate the inaccurate information on my credit reports especially the accounts that were not mine. I know they have 30 days to respond so I waited. I did not recieve any response from my investigation request but from XXXX. XXXX sent me a letter stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. I responded back to them by mail that the letter cam from me and I would like to have the items investigated. Still no response. On XX/XX/XXXX, I sent another set of letters to all three credit bureaus asking for validation of the debt on the same accounts. I once again recieved a letter from XXXX stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. Once again on XX/XX/XXXX, I sent another set of letters to all three credit bureaus on the same accounts. At this point, I feel my rights as a consumer are being violated any no investigations are being completed.
Complaint sub-issue: Problem during payment process

XXXX XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX  XXXX along with a notarized affidavit claiming fraud. XXXX XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX XXXX to close their files which have any information with my name & social on it ...
Complaint sub-issue: Account information incorrect

Have disputed this account from XXXX XXXX with Equifax, XXXX, and XXXX with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3.

2. Date opened is inaccurate.

3. Payment status is inaccurate.

4. Last reported dates are inaccurate.

5. Comments on all 3 accounts read something different.

6. Date last active is different on all 3.

7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off.

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on XX/XX/2020.
Complaint sub-issue: Their investigation did not fix an error on your report

under the FCRA   XXXX   must have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and second subsequent re investigation, they stated in writing that they verified that these items are being reported correctly? They did not respond when i asked following questions Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).    XXXX  ALL THEY DONE WAS SENT ME BY  MAIL 7 YES 7 COPIES  OF MY REPORT
Complaint sub-issue: Reporting company used your report improperly

Equifax lost credit personal data in data compromise attacks. 
XXXX XXXX - contacted Equifax and placed credit freeze. 
XXXX XXXX - logged ticket with CFPB to document.
Complaint sub-issue: Reporting company used your report improperly

l, XXXX XXXX XXXX, and natural person am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and XXXX. XXXX XXXX CT XXXX legally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant XXXX XXXX CT permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 
As the consumer and natural person, I am invoking specified remedies and make the following demands : - Cease and desist reporting of the account name filings to all consumer reporting agencies. 
- Remove reporting of the account name filings from all consumer reporting agencies. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Complaint sub-issue: Reporting company used your report improperly

It was announced XXXX/XXXX/XXXX that Equifax failed to properly protect my personal and confidential information which they had stored about me, by allowing it to be accessed by perpetrators unknown via the Internet. 

Further, it was announced that they have known about this breach since XXXX/XXXX/XXXX but kept quiet until XXXX/XXXX/XXXX. This is unacceptable.
Complaint sub-issue: Was not notified of investigation status or results

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Complaint sub-issue: Received bad information about your loan

I submitted the Public Service Loan Forgiveness yearly Employee Certification Form in order to receive credit for my last 12 qualifying payments. Only 11 payments were counted. I contacted MyFedLoans and was told that one payment in XX/XX/2018 was not counted because I was " paid ahead '' and there was no bill for that month. After discussing the error with MyFedLoans and submitting documentation that I did indeed make a payment and had received a bill for that month, I was told that my payments would be recalculated. 

It has been over 3 months now and I still have not received the recalculation, nor have I received the credit for this month that was not counted. I have contacted MyFedLoans to  ask why the recount is taking so long and received no answer. 

I am requesting a recount for the last 12 payments submitted on the most recent Employee Certification Form to correctly reflect qualifying payments made.
Complaint sub-issue: Information is not mine

I 've called many times to the credit reporting agency to inform them these inquiries were not mine, that they were fraudulently. The agency are telling me to just let the inquiries fall off, but they do n't belong to me, so I want them removed.
Complaint sub-issue: Account status incorrect

Equifax has made it so you can not submit a dispute as their system isnt working. It has been over a month that Equifax was supposed to remove the collection from XXXX. Also they are now reporting missed payments on a card that hasnt been open in years.
Complaint sub-issue: Was not notified of investigation status or results

I disputed my hard inquires that are up there numerous times they were deleted and readd back on my report I was not notify and it 's illegal, I also have a late payment with XXXX XXXX never late I just changed billing due date and also disputed it two months ago no update yet. I sent in proof from my insurance company that they paid the balance on my vehicle to XXXX and still no respond
Complaint sub-issue: Right to dispute notice not received

I got a notice from XXXX XXXX that I had a new account added to my debt. I looked it up and It is from Enhanced Recovery for XXXX. I have not had a XXXX account since XX/XX/XXXX. This is XXXX years ago. I paid XXXX off when I received the final bill. I have not heard from them since or have had anything attached to my credit report until XX/XX/XXXX. There was no letter sent to me to try and dispute this debt or even tell me I had a debt. My number has not changed and I have not recieved a call from XXXX XXXX in XXXX years that there was a debt. I have read many reviews and just recently Enhanced Recovery has been popping up on Credit Reports for accounts long closed and paid off.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OF ED/XXXX XXXX  XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} U S DEPT OF ED/XXXX  ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4100.00} XXXX  XX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Complaint sub-issue: Account status incorrect

During the Covid lockdown Discover student loans has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.
Complaint sub-issue: Account information incorrect

Disputed inaccurate information & infomation is still on my credit file.
Complaint sub-issue: Account information incorrect

Fedloan servicing student loan is reporting 63 late payment on my credit report. Which is inaccurate I always pay my bill it should be 0. 
Account number XXXX
Complaint sub-issue: Debt is not yours

Jefferson capital parked an old debt on my XXXX XXXX credit report showing as new debt when the original creditor removed the debt from my report a year ago because the debt was too old. Jefferson capitol bought the debt and immediately parked the debt as new and never tried to contact me via phone or Mail. XXXX XXXX said they contacted them and took their work for it. The day before I disputed with XXXX and it was removed from my credit report within four hours
Complaint sub-issue: Debt is not yours

TEK-COLLECT INC ( XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ) bought a debt ( Account number XXXX, Collection opened XX/XX/2017 ) from original creditor : XXXX   XXXX XXXX in the amount of {$650.00}. I have complained and disputed so many times with XXXX, XXXX, and XXXX as well as Tek-Collect. I keep telling them each and every time that I never attended this college. Each time they ignore me and keep on with the debt.
Complaint sub-issue: Problem with fees

I had the Citi American Airlines AAdvantage Executive Mastercard. The charge for the annual fee, in the amount of  {$450.00}, posted to my account on XX/XX/XXXX. On XX/XX/XXXX, I paid the balance of the statement, which was the charge for the annual fee. On XX/XX/XXXX, American Airlines closed all XXXX XXXX locations. This is the distinguishing benefit of this credit card. On XX/XX/XXXX, I contacted Citi to inquire about a credit to my account due to the XXXX XXXX closures. At that time, I was told by the representative that no credit was being offered. I was enticed to keep my card open, as there would be positive changes to be announced in the near future. 

On XX/XX/XXXX, I read online that Citi would be offering a {$220.00} credit to card holders. However, there were two stipulations : 1. This applies to those who had an open account as of XX/XX/XXXX. 
2. The one-time {$220.00} credit will be issued when the account was renewed. 
This information was released on approximately XX/XX/XXXX. However, I did not receive an email from Citi, nor was there any form of communication by Citi to me. 

On XX/XX/XXXX, I contacted Citi to ask for the {$220.00} credit to be applied, as my annual fee was applied in XXXX, two months prior. However, I was told this could not be done and that the credit would be applied in XX/XX/XXXX! There was nothing that they could do until next year. I feel that this is unacceptable. I had paid the annual fee in XXXX, and one of the primary benefits of the card is not accessible. And they would not be able to issue a credit to my account for 10 months!? I then told the Citi representative that I wished to cancel my credit card. However, no portion of my annual fee would be returned. There would not be a pro-rated refund. I am incredulous at this. Canceling my account on XX/XX/XXXX, means that for 9+ months, I will not be using this card. For Citi to keep the entirety of my annual fee is not just.

Please look into this issue and help me to resolve this matter.
Complaint sub-issue: Reporting company used your report improperly

I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XXXX XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Problem accessing account

Hello, I opened my checking account with US bank on XX/XX/2022 at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX with XXXX XXXX. 
Since that day I been having trouble to access to the online banking, I already have my user ID and Password but the system doesnt allow me to access. 
I sent several emails to XXXX, and on the last email I was requested to go to te branch, situation that is impossible because Im in Florida right now until next year, there are no branches here.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act FED LOAN SERV account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Problem getting report or credit score

For the last couple of years I have worked diligently to repair my credit. I have had many challenges to say the least. I have paid off more accounts than negative credit. Accounts I have disputed have been removed from my account. I am employed and have been for 20 years at the same employer and have worked a XXXX job for more than 6 months changing my debt to income ratio. In this time my credit score has remained extremely poor. Based on the below chart my score should have changed for the positive long ago thus increasing my score. There are also several questionable inquiries on my credit report which concern me. 
Payment history ( 35 % ) The first thing any lender wants to know is whether you 've paid past credit accounts on time. ... 
Amounts owed ( 30 % ) Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO ( R ) Score. ... 
Length of credit history ( 15 % ) ... 
Credit mix in use ( 10 % ) My attempted in verifying my score with each bureau via phone went nowhere. They will not answer questions about your score and direct consumers to go on line and pay to view the score. Even after I stated I wanted a copy of my report because I was turned down for credit and I was still directed to go on line. I was told by customer service that I could not dispute my score. Where is the customer service? There are times it is not convenient to go on line especially when a consumer has questions.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX should not be reporting that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) 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 XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX  XXXX XXXX account # XXXX XXXX -retail account # XXXX XXXX XXXX  XXXX I have no idea who these people are or who this company is I have done no business with them nor do they have a signature of my please remove these negative accounts off of my credit report immediately thank you
Complaint sub-issue: Threatened or suggested your credit would be damaged

Previously contacted Enhanced Recovery Collection on XX/XX/2020 with a letter of validation of debt as stated on the FTC website. The amount of 30 days has passed and I did not receive any form of communication on their part.
Complaint sub-issue: Their investigation did not fix an error on your report

I found out someone was using my personal info to open accounts in my name when I applied for a credit card for the first time in years as I have always used cash and rarely used my credit in over 8 years. I disputed all fraudulent items with the major credit bureaus and filed a police report and an identity theft report for everything that has happened. I did everything the credit bureaus asked me to do and still the items remain on my credit. I should not be held liable for accounts that I didn't authorize or open.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I applied for unemployment in may. I received my reliacard around XX/XX/2020, tried to activate it and the website told me to contact the number on the back of my card. When I called US Bank they told me my account was marked as inactive, and that I should contact my state agency for more information. So I did, I called the Treasury department in Pennsylvania, and they just told me that they put my name and my account number on a list and sent it back to the bank so they could verify my identity and unlock my card. So I call the bank again, only for them to send me back to treasury, and its been back and forth since. I havent been told the reason why my card was marked inactive. I faxed the info the bank asked for ( ID, SSN, Account Number ) and did the website verification. Still to this date ( XX/XX/2020 ) I havent been able to receive my money.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account, 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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Account status incorrect

The Accounts On My Equifax Report Were Removed Between XX/XX/XXXX-XX/XX/XXXX, But It 's Showing The Have Now Been ReAdded Between XX/XX/XXXX- XX/XX/XXXX. These Accounts Need To Be Removed As Soon As Possible. I 'm Confused As If Equifax Or XXXX XXXX Is Having Problems With Their System Again. Also I 've Sent Letter For My Address To Be Update And I Still Have Got A Repsonse Nor Has It Been Updated. I 've Constantly Called Them. Also I Did n't Receive Any Type Of Notice That Those Accounts We 're Going To Be ReAdded. There 's Two Accounts " Original Creditors, " Called XXXX XXXX XXXX, And An Account Called XXXX XXXX XXXX La.
Complaint sub-issue: Account information incorrect

I can't get a credit report online it keeps saying and there are a few accounts on there that I need to dispute. Also it has an address listed that I never lived at and this address is on my credit report as a mortgage I opened which I never did.Thank you,XXXX XXXX