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

My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on XXXX. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in Collection XX/XX/XXXX. Us Bankruptcy Court, It is only listed on XXXX, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. 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 

I also have a Ftc Report and a police report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  XXXX had asked me a couple of times to update my profile with them which I always did. I was later informed that my SSN is already being used by another of the bank 's customer in a different state. I provided the bank with my SSN card, XXXX XXXX, and a government issued ID for update purpose. However, I was made to understand that the other customer using my SSN had opened a credit card account with my SSN which led to the reason of my filing a report last year on this platform. I contacted the Social Security office to make a complain and I was advised to file a report with the local police dept. which I did. I also contacted the three bureaus. On contacting Equifax, Equifax confirmed that the information I provided did not match the one in their records and asked me for more documents for further identity verification which I did. Last year ( 2019 ), Equifax sent me a mail stating that my SSN belongs to a deceased person after faxing my documents to them for the umpteenth time. Equifax is NOT helping to fix the problem. Equifax has declined dissociating XXXX XXXX XXXX from my SSN. Equifax has declined identifying me with my full and correct legal name after all requested verification documents have been faxed to Equifax.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a fraud alert on my credit file. Someone keeps applying for credit in my name. Ive contacted the credit bureau on several occasions. I was finally able to update my phone number. So that the companies could call me to see if I applied for credit. 
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: Their investigation did not fix an error on your report

I have been going back and forth for several months with disputes with Equifax regarding my 2 accounts with XXXX which are both being reported inaccurately. On XX/XX/2018 I submitted an online dispute with Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX for both of my accounts with XXXX requesting an investigation into the matter. I stated to them that the XXXX accounts were being inaccurately reported. Although in this latest dispute and my request for written verification per the FCRA, Equifax is still listing both of the accounts as being 120 days late. They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018. Both accounts were paid in full and transferred so how can they be 120 days late? Why does Equifax refuse to provide me with the written verification? All they are doing is prolonging this action plus causing unnecessary negative marks on my credit report.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Account # : XXXX I submitted a CFPB complaint against this company in regards to inaccurate information on my credit report and the actual right for them to collect on this debt. 

They failed to properly validate the alleged debt and continue to report unverified inaccurate information on my consumer report. I have been unable to obtain a mortgage, auto loan and job due to this inaccurate and unverifiable information. I have seen XXXX XXXX in regards to XXXX and XXXX in relation to this issue and have been diagnosed with XXXX XXXX and XXXX by trained and certified XXXX XXXX  and can produce documentation that proves such. 

I
Complaint sub-issue: Reporting company used your report improperly

When reviewing my credit report I noticed XXXX XXXXXXXX XXXX performed a hard inquiry on XX/XX/XXXX that was unauthorized. I contacted the the company and was told there was nothing they could do to remove it so I immediately filed a complaint with the XXXX and Office Of The Attorney General. I already had an account with XXXX XXXX XXXX that was opened XXXX which would have been the only time they were authorized to do a credit check. In XXXX of XXXX, I fell 30 days behind with my payments and instead of XXXX XXXX XXXX contacting the Credit Bureau to report a 60 day late payment, they did an unauthorized credit check. I have sent an attachment with this letter that I received from Office of Attorney General with a response from XXXX XXXX that they have requested the inquiry be removed. I spoke with a representative at Equifax on XX/XX/XXXX and was informed that the inquiry still remains on my credit report. As of today, XX/XX/XXXX, the inquiry has not been removed. I would like for Consumer Finance Protection to assist me in getting this matter finally resolved. 

Sincerely,
Complaint sub-issue: Account status incorrect

On XX/XX/2020 I filed several disputes with XXXX  using the online disputes portal. On of those disputes included an account known as XXXX  XXXX XXXX which was reporting as a charge-off/ collections account. In my dispute I provided XXXX  a letter which stated that XXXX  XXXX XXXX account was paid in full and the account was closed. My dispute was a request to correct my Merchants Account. On XX/XX/2020, I received an email from the XXXX  XXXX Department which stated that based on the documents I submitted with my dispute # XXXX, an XXXX   Dispute Specialist modified the account information. When I logged into my XXXX  account I observed that my XXXX XXXX  XXXX account payment status was updated as now paying/ was a charge-off and I had multiple months of missed payments added to my payment history. I contacted XXXX XXXX  XXXX who informed me that they were never contacted about my account, my account was never in a charge-off status, and the only late payment was XX/XX/2020 which was a 30 days past due. XXXX XXXX  told me to contact XXXX  to have it correct was they could not change anything they didnt update. When I reviewed my credit report I observed that the Merchant Preferred Lease account was never updated and that the document I submitted for that account was applied to XXXX XXXX   XXXX account. Because of this error my credit was impacted and now I am having difficulty getting it corrected both accounts corrected. Furthermore XXXX  is initiating disputes that I did not request.
Complaint sub-issue: Other problem getting your report or credit score

My complaint is against Equifax, on XX/XX/2020, I noticed my credit score has drop 8 pts., between XX/XX/2020 - XX/XX/2020. Between XX/XX/2020 - XX/XX/2020 my overall payments decreased, my XXXX XXXX account decreased {$1000.00} and my XXXX XXXX XXXX  decreased {$9.00}, with no late or missed payments during that time period, if anything my credit score should have increase. Equifax can not tell me how this happen. I wish Equifax can resolve this issue, if not I will file a civil suit law against Equifax, because my score continue to drop for no reason, I lost my home loan because of this mistake or computer error.
Complaint sub-issue: Investigation took more than 30 days

I have sent all three credit bureaus police reports all of my identification for items that are listed on my credit that are erroneous. They keep asking for stuff like the email showing that the police report was indeed approved Im on other frivolous things that I have nothing to do with getting these items off of my credit I have A new police report in three days ago that they shouldve received by now and I do not want a reinvestigation already said the police report in in these items were to be removed immediately and its been over 90 days I just want the items listed on the police report that I have attached removed from my credit from XXXX   XXXX XXXX and Equifax.
Complaint sub-issue: Debt is not mine

I don t even recognize who the original creditor is and no account numbers available to contact and dispute the issue. Yet report says Individual and Joint account.
Complaint sub-issue: Debt was paid

Recently I learned that Enhanced Recovery Corp. had reported to XXXX I owed XXXX XXXX XXXX {$22.00} that I was not willing to pay. This was a complete surprise, since Enhanced Recovery Corp. had not contacted me in any way about this. Not only that, but neither had XXXX XXXX XXXX. So I called XXXX XXXX XXXX. They searched all of my records for the to the very first time I opened my account with them three years ago, but could not find a record of any unpaid bills whatsoever. Yet, this is on my credit report causing unnecessary damage.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquires were unauthorized.
-XXXX -XXXX XXXX -XXXX XXXX/XXXX  IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX  TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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 XXXX Account # XXXX XXXX Account # XXXX Equifax Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Account # : 6492** 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 an 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 items 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: Credit card company isn't resolving a dispute about a purchase on your statement

I overpaid my credit card bill in the amount of {$120.00}. I asked XXXX to return the credit to me in check form and asked for this amount to be returned via mail to my primary mailing address. Ive called five times and each time my calls were dropped by the customer service rep and tried to connect with customer service via chat and each of these times nothing has happened. Im getting frustrated with the lack of service. I would like my money back please ASAP
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00}
Complaint sub-issue: Threatened to take legal action

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX XXXX stated that since this was already registered on my credit report as a judgement they can not take the case. XXXX XXXX XXXX employed Njus Myeres who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! XXXX XXXX XXXX XXXX or this Njus Myers. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from XXXX XXXX XXXX XXXX XXXX XXXX and Njus and Myers from XX/XX/2010 to XX/XX/2010
Complaint sub-issue: Information is missing that should be on the report

In a routine check of my Equifax credit report, I noticed that none of my current and open credit accounts were being reported. Subsequently, my Equifax credit score is significantly lower than my XXXX XXXX XXXX scores. On XX/XX/2022, I mailed a certified letter to Equifax, alerting them to the issue. The letter was accepted and signed on XX/XX/2022. After more than 30 days without a response, I called Equifax on XX/XX/2022. The customer service representative informed me that they had not received the letter. I am unable to apply for an auto loan because of this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple disputes and provided ample documentation to the credit reporting agencies regarding a medical collection that Medicaid paid late. This item should not be on my credit report and Medicaid has issued a XXXX XXXX XXXX investigation letter stating that I am not to be billed. XXXX, Equifax, and XXXX continue to report this as a paid collection instead of deleting.
Complaint sub-issue: Information belongs to someone else

I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX XXXX  XXXX XXXX  XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX,
Complaint sub-issue: Keep getting calls about my loan

My daughter has student loans through Sallie Mae, I am a co-signer, due to her pay schedule her payment may be a few days late. We receive robo calls about a week before payment is due, and then for about a week after. These calls come every hour. I have called and talked to their representative and they tell me there is nothing they can do to stop the calls even after the payment is made.
Complaint sub-issue: Received bad information about your loan

I set up Auto pay for my student loans, and while checking my statement I noticed I was removed from autopay.After calling in to fix this issue and reenlist in auto pay I informed the representative I wanted to pay extra to cover the interest and additional principal for my loan.The representative told me she would apply the payment to the interest and additional payment to the principal. While checking my statement, I learned the representative did not apply the action as we discussed, but put this payment as a future payment. Upon learning this on this I called the company and was informed by a representative that any extra payments you make do n't apply to the principal of the loan.The representative continue to tell me false information to the point I had to request to speak to a supervisor.After speaking with the supervisor he informed me that the information she gave was incorrect.During our conversation I requested additional funds be withdrawn from my bank account at certain days and signed a verbal contract, but while checking my bank statements I say these funds were withdrawn on days I did n't agree to.
Complaint sub-issue: Other problem getting your report or credit score

XX/XX/2019 I attempted to get a loan approval from XXXX XXXX. Upon running a credit check Equifax report stated : 1. APPLICANT FILE BLOCKED AT EFX. ( XXXX ) 2. APPLICANT INFORMATION FROM THE INQUIRY HAS BEEN IDENTIFIED BY THE CONSUMER AS FRAUDULENT- REPORT UNAVAILABLE. ( XXXX ) Both XXXX and XXXX had no issues pulling a credit report. 
Contacted Equifax to resolve but was directed to fax their dispute deportment. 
XX/XX/2019 I faxed them to look into the issue. 
XX/XX/2019 Equifax replied stating unable to locate a credit file stating " not having a current file '' as a reason for this issue. 
I have now gained a loan approval from XXXX XXXX but they are coming up with the same reports of " File Blocked '' and " Fraudulent ''. Again both XXXX  and XXXX had no issues. 
XX/XX/2019 I have again attempted to contact Equifax to resolve this issue but was directed to fax their dispute deportment. I again have done so with more information and to clarify that I needed this unblocked and a written statement as Not Fraudulent.
Complaint sub-issue: Debt was paid

***IC SYSTEMS IS INEPT- THEY MUST BE HELD ACCOUNTABLE TO CONSUMERS*** IC Systems continues to report a debt that was paid years ago. I have called more than 10 times in XX/XX/XXXX and XX/XX/XXXX to have it sorted out but THEY CAN NOT FIND ME IN THEIR SYSTEM even using my full name SS number, past XXXX addresses etc. Yet, they continue to report this to the credit bureau. 

They do n't call or write letters- I only see it on my credit report and then I call them. I asked them what are we to do in this situation as it 's not fair to continue reporting it if IC Systems ca n't find it in their system to even discuss with me! 

When I call- they all say the same thing- sorry I ca n't help you, we can not find you in our system! And yet they are reporting every month to the credit bureau. 

I informed them I would have my lawyer take it from here but it seems very unfair the burden and expense is on me for doing so. I do n't know how else I can force them to get this corrected and hold them accountable for this error and the time, energy and effort I 've had to put into sorting it out. Not to mention the effect it 's had on my credit score and likely the interest rates I 've been on offered on my mortgage for example. 

IC Systems should n't be allowed to give consumers the run around like this and punish us for their ineptness. 

# #
Complaint sub-issue: Old information reappears or never goes away

This is a followup complaint to complaint # XXXX This item still remains on my credit reports and has incorrect information such as charge off and still open. The company seems to change the status monthly to keep it going instead of deleting the derogatory information as they agreed
Complaint sub-issue: Problem making or receiving payments

I called customer service and asked a supervisor/manager to call me back or email me regarding the {$400.00} bonus if could give me as a courtesy. But no one called me or email me within 24 hours. 10 transactions were only 1-2 days late.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Complaint sub-issue: Personal information incorrect

On XX/XX/2021 I sent out a letter to the three bureaus about the personal information on my report. I listed my correct information and requested them to remove all other personal items on my report. Its been 2 months since I sent this letter and they have yet to make any changes.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Complaint sub-issue: Account information incorrect

It is inaccurate for XXXX and the 3 credit bureaus ( XXXX XXXX, equifax, and XXXX ) to keep reporting on my credit report if they claim in the comments that they sold the dept to another lender screenshot proof will be attached Not one law says anything has to be reported so this is proof that XXXX and the credit bureaus are voluntarily breaking the law by reporting inaccurately on my credit profile
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions