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

Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Equifax 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me.
Complaint sub-issue: Application denied

I was invited several times to apply for a XXXX  credit card, I finally did it and I was denied, the reason they said it was because I was late on my other credit card. I have all my statement I have never been late with them or any other card. When I called customer services they passed me from Business card department to customer service to XXXX  department etc 8 times without solving anything or showing proof of where I was late. when I asked to make a formal complaint or speak to supervisor they kept sating they couldn't hear me. I hang up and called again, the same thing happened when I asked to speak to a supervisor, suddenly they couldn't hear me. So they refused to prove i was ever late and refuse to take my compliant.
Complaint sub-issue: Account information incorrect

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate XXXX  XXXX XXXX  XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. I am curious as to how someone was able to apply for accounts for business/credit when I already had a security freeze on my credit file please remove the following inquires : XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still 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. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX & XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Complaint sub-issue: Account information incorrect

There are 3 accounts on my credit file being reported by XXXX  # XXXX the date of 1st delinquecy is being reported differently across the 3 credit bureaus XXXX   reports 60 days XX/XX/XXXX Equifax reports XX/XX/XXXX Experian reports 30 days XX/XX/XXXX Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.
Complaint sub-issue: Indicated you were committing crime by not paying debt

I was told that I owe the amount of account and could be sued if debt wasn't paid. I didn't owe the amount stated on my credit report. Account information is inaccurate.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XXXX XXXX my direct Express card was hacked by someone posing as an XXXX employee to help with my account. It was done through my phone. As soon as I realized what had happened I called Direct Express to file a fraud complaint. and cancel my card. I was told I could not file a complaint until the charges actually cleared. I called the following day to start my complaint. They said they would send me paperwork and it needed to be returned by XX/XX/21 to get provisional credit. I never got their paperwork until the XXXX so i overnighted everything to them. I got a letter dated XX/XX/21 stating my claim was denied. I have called several times to request supporting documents on how they concluded their investigation. They simply emailed me back all of the documents I originally sent to them.. One woman yelled at me and hung up. I asked about Resolution E protection and they said it didn't apply to them. I called Comerica bank and they said they only supplied the plastic to Direct Express. I have had my SS on Direct Express because I thought it was safe. I have called several times and been put on hold and eventually disconnected. I have cancelled all cards, accounts, etc. I am having my SS sent to my checking account going forward because I am afraid Direct Express will let this happen again. I spoke to XXXX at your company and he was the first person to treat me kindly since this started. I am having trouble attaching documents.I have several but am unable to figure out how to attach them.
Complaint sub-issue: Information belongs to someone else

There is a hard inquiry from XXXX XXXX  / XXXX on XX/XX/2019 that was not authorized. I wrote to comenity and was advised they would be removing the inquiry as it was in error. Equifax refuses to investigate and remove the inaccurate information.
Complaint sub-issue: Investigation took more than 30 days

I sent letters on XX/XX/2022 to XXXX, Equifax and XXXX about unrecognized negative items on my credit report and have not received any information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. 
I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Complaint sub-issue: Account terms

I reviewed my credit reports and have noticed that Equifax is reporting a balance for XXXX of {$8500.00} but XXXX is reporting a balance of {$9200.00}.
Complaint sub-issue: Investigation took more than 30 days

I submitted a public record investigation request to LexisNexis X/X/2017. I received a response more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..? 

Case # XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction.
Complaint sub-issue: Personal information incorrect

I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Please correct the inaccurate employer information. My current job is XXXX not XXXX and XXXX is no longer valid please remove. 

I have included the following information : My drivers license XXXX XXXX
Complaint sub-issue: Information belongs to someone else

FCRA Violation student loans not mine U S DEPT OF ED/XXXXL U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX my SSN is XXXX. I was born XXXX and I have several fraudulent accounts opened on my credit that are not mine. They are listed on the attached police report. To be clear and concise they are XXXX XXXX XXXX, all of the Dept of Ed accounts, XXXX and all negative listings. Please remove them ASAP.  Thank you.
Complaint sub-issue: Personal information incorrect

have sent letters to XXXX, Equifax and XXXX in regards of errors that are currently on my personal credit reports. I have sent all documentation to support my claims of the inconsistencies with names, addresses and jobs that do not belong on my credit profile along with letters. My credit profile is currently showing 14 different names, 12 different addresses and 4 different jobs. It has been more than 30 days since I have sent these letters, I am really concerned about this issues as it relates to my personal information
Complaint sub-issue: Debt was result of identity theft

I had set up a payment plan to settle and settled in full.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquiry on report that I do not recognize.
Complaint sub-issue: Investigation took more than 30 days

I'd Really like for XXXX to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX  # XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Received bad information about your loan

Throughout the life of my student loans I have had several years that I was encouraged to go into forbearance by the loan provider, as I couldnt afford payments. Now I am learning that throughout that time frame, had I even made partial payments they would have counted towards my 120 months for my public service loan forgiveness. I feel as though I was misguided with this and in the long run jipped of a huge amount of time that could have been taken off my loan payment time!
Complaint sub-issue: Account status incorrect

I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app XX/XX/XXXX threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights
Complaint sub-issue: Problem getting your free annual credit report

Yesterday I decided to get a copy of my free credit report and i went to the website referred to my by XXXX at www.equifax.com. I went to the website that i thought was secure and after i put in ALL my personal information such as address and social security number the website crashed numerous times. Then when i finally got back in it said my request could not be processed and that i need to call this number. XXXX XXXX XXXX. " We can't complete your request at this time. please call the customer care team. customer care is available between XXXX and XXXX  ET 7 days a week. 

so i called and i got the run around by the automated menu and the robot could not interpret anything i was saying or texting. for example it said please press 1 for yes and 2 for no and it didn't receive any of my digit responses. Finally, after about 10 minutes of total frustration i started pressing every button i possibly could and got some worker in XXXX who after about 13 seconds of me speaking, hung up on me and sent me to the 2 question survey which also could not detect my digit responses!! 

I feel completely violated and taken advantage of. I'm in limbo, still don't have a report and now these people have all this power to make or break mt credit rating and i'm supposed to feel secure that this company has the ability to destroy my credit at the drop of a hat. Who manages these companies and why are they allowed to have such terrible customer service? i'm not even sure i was speaking to the actual Equifax. How does a company with this power have a website that crashes and then sends you to never never land?? I emailed the company and got a autobot response telling me " the following link may address your concern..blah blah blah how-can-i-get-a-free-equifax-credit-report '' .. wow ya thing i didn't already try that?
Complaint sub-issue: Card was charged for something you did not purchase with the card

We reported a fraudulent charge, to KeyBank Fraud Services, of {$3000.00} on my KeyBank credit card in XXXX of XXXX. The charge was listed as being a " convenience check '' cashed for {$3000.00} and carried a " convenience check fee '' of {$120.00}. The KeyBank Fraud department was unable to provide a digital copy of the cashed check, to confirm signature, but informed us that it was written to a XXXX XXXX for home improvement. Suffice it to say that we do not know a XXXX XXXX and we have not been undertaking any home improvement projects. We live in a rural mountain area outside of XXXX, CO and our mailbox is in a row of boxes along XXXX XXXX XXXX about XXXX mile from our house. During the pandemic, we did experience mail being stolen from the box, so I suspect that the " convenience check '' was likely XXXX of those that banks send, as a promotion, to transfer balances, etc. 
KeyBank issued a " provisional credit '' to my account on XX/XX/XXXX and sent me various instructions to follow-up on the fraud, including an affidavit that needed to be notarized, etc. They then reversed the " provisional credit '' on XX/XX/XXXX. The KeyBank paperwork, including the notarized affidavit, was mailed and e-mailed to KeyBank Fraud Service on XX/XX/XXXX and assigned case # XXXX. Nothing happened, so I followed up with KeyBank and they claimed that they did not receive the originals sent snail mail. I re-emailed scans of the documents to them, and they finally acknowledged receipt of the email in XXXX. I checked in with them several times by phone and the rep on the last call said that the case was now out of their hands and that I had to contact XXXX, XXXX, or XXXX. I continue to received almost daily collection calls from KeyBank and it has appeared on my credit report. 
Note : The original credit card number that had the fraud charge is XXXX XXXX XXXX XXXX. They moved the balance to a new credit card number XXXX XXXX XXXX XXXX and this is the number on the current statements.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I am being hit with a hard inquiry from XXXX   XXXX  for the month of XX/XX/2020. I did not apply for anything XXXX   XXXX  or XXXX. I did not authorize anyone to run my credit profile nor did i sign anything. This is 100 % fraud. I am asking for this to please be removed from file to all credit reporting services.
Complaint sub-issue: Company closed your account

US bank closed my account without any notification and I did not receive the refund for the remaining balance.
Complaint sub-issue: Information belongs to someone else

I was looking forward to buying a new home when seeing my credit report and seeing a installment loan was made in my name that i had no knowledge of this is stopping me from moving forward with my life as a whole Equifax, XXXX, XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and refusing to uphold the law
Complaint sub-issue: Account information incorrect

I am really getting tired of these company 's getting paid to report fraudulent things on my credit report and they never what to put the good on the report or they report the wrong amount For one! I am a full blooded XXXX XXXX that has full coverage medical and dental insurance and I have never ever had a XXXX! but also this is a recurring fraud on XXXX this XXXX for XXXX because not only my self but 5 friends and family have looked at there credit report recently and have the same thing XXXX XXXX I have full medical from the XXXX why am I supposed not using my insurance this is all scams.
Complaint sub-issue: Debt was result of identity theft

I am the victim of identity thief. My data was stolen from XXXX and XXXX during their data breach. I have experienced incident ID theft in several forms over the past years. 

I received notification for XXXX there is a debt collection mark on my credit report from I.C. SYSTEM, INC. I do not owe them or anyone any thing. This is fraud. They been put on notice years ago. They are marking my account again.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I pulled my report an noticed unauthorized inquiries reporting on my credit report. These inquiries are unverified and unauthorized, I've contacted the creditor and they have advised for me to contact your office with this matter. I extremely upset with this matter and need these unauthorized inquiries removed immediately. 

1. XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/2020 2. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. XXXX XXXX Date of inquiry : XX/XX/2020
Complaint sub-issue: Can't use card to make purchases

I specifically spoke with someone in the Risk Management department who stated that my account would continue to be suspended as long as I had delinquent accounts on my credit bureau.
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Subsequently, I was induced into paying off all debts, and a copy of my credit bureau is attached reflecting this.
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I then spoke with a XXXX XXXX on numerous said they were waiting on the credit bureaus to update. I was transferred to Risk Management who said they specifically use XXXX and once XXXX updated the bureaus to reflect my delinquent accounts were paid, my account would be unsuspended.
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I had spoke with XXXX XXXX on at least five different occasions in which she asked that I send proof via e-mail to her that I had paid the delinquent accounts off, which is also attached.
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To date, my credit bureau reflects I owe two current accounts. 1 ) Discover who I have been making my regularly scheduled payments to on time and 2 ) XXXX XXXX XXXX which is also in good standing.
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Every time I call Discover I am not allowed to speak with anyone other than XXXX XXXX. In my last conversation with XXXX on XXXX XXXX, 2017, I was told the account was not going to be unsuspended at this time due to other criteria that Discover reviews.
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When I asked what that criteria was, or if the account would ever be suspended, or what I needed to do to establish a good credit history to have the account unsuspended. XXXX XXXX responded that specific information was for internal use only and he could not disclose that to me.
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I find it a complete abuse to induce someone to paying off specific debts with the promise of un-suspending their credit line without following through on that promise. I also find it an abuse of the Truth in Lending Act, the UCC, and Contracts Law as a whole for a creditor to effectively take adverse action and not disclose to the consumer what criteria they must meet in order to stop the adverse action.
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As XXXX XXXX is the Highest member of escalations an I have been told is Personal assistant to XXXX XXXX CEO of Discover Card I believe any response to this complaint would only be appropriate to come from Discovers legal counsel as I have obviously spoken with several members of the executive management team, all of which have made promises to which they have not followed through on.
Complaint sub-issue: Information belongs to someone else

I HAVE SUBMITTED COUNTLESS DISPUTES REGARDING FRAUDULENT AND INACCURATE INFORMATION. 

XXXX XXXX XXXX  XXXX, I WAS NEVER LATE, I AM DEMANDING THAT THIS LATE PAYMENT IS REMOVED IMMEDIATLEY!