Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, and Equifax has failed to uphold that responsibility by furnishing/providing incorrect scores. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In accordance with the written instructions of the consumer to whom it relates. I never instructed them to furnish this report nor did i give consent to this report in the first place. 

The Below Accounts And Inquiries Are Fraudulent And Not Mines : Accounts : 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 status incorrect

I noticed that I had a ding on my credit report for a account that was 30 days late it was reported for the month of XX/XX/2020. It was for my Self secured credit card. I sent them a chat request this morning of XX/XX/2020 to inquire about this because It has to be a mistake. My payments are due on the XX/XX/XXXX of every month I was late but only by 3 days for the month of XX/XX/XXXX and XX/XX/XXXX I made my payments on the XX/XX/XXXX of both of those months. I was trying to chat with them about why they reported me being over 30 days late when that is not possible since i was only 3 days past my due date. But they could not give me a reasonable answer I was well aware of the late fee and excepted the fee I paid all the fees and my minimum payment and then some. I told them that this was being reported on my credit report as inaccurate information and is a deformation of character and not a true picture of what is really being done and all I was told was that since I made the payment after the due date the statement was closed and it is not possible to make a payment to that statement and therefore I am 30 days late. I told them that is a deformation of character and is inaccurate and to please update it to not late and i was told to have a nice day and the chat was ended.
Complaint sub-issue: Investigation took more than 30 days

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting.. XXXX  XXXX XXXX which is reported 30 and 60 days late on XXXX and XXXX consecutively..Same goes with XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX is reporting late 30,60,90 days late XXXX, XXXX XXXX, consecutively
Complaint sub-issue: Information belongs to someone else

I need the consumer protection to contact the 3 credit report bureaus to restore the score to the point it was before I interacted with the office in XXXX. You have documents of before and after score which is not possible. You can even ask the companies. 

On XX/XX/2021 I applied for a mortgage at a company in XXXX called XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was 21 points lower. I then called another cross country mortgage in PA and they said they would have given me the FHA loan. I tried to call cross country mortgage in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.
Complaint sub-issue: Account information incorrect

I have accounts my credit reports from all 3 companies reporting inaccurate information. I have open accounts that show inaccurate information. I also have closed accounts reporting inaccurate information and have made disputes with all three agency 's Equifax XXXX and XXXX that are just wrong and damaging my credit. I have tried disputes and serm to get no where they say they will remove the information and it'd still there. Also Equifax was hacked a few years ago and I have all kinds of inquiries that I haven't done hard inquiries ruining my credit score Under 15 USC 1681 i have the right to privacy and accurate informationand thr right to have all these acvoubts removed from my credit report. Under the law. 
I HAVE 11 ACCOUNTS THAT ARE OPEN AND ARE MOT ACCURATE.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

Attached to this complaint is a Federal Trade Commission Identity Theft Report. The following accounts, public record and credit inquiries listed on my XXXX XXXX, XXXX, Equifax credit report, are not my accounts, public record or credit inquiries : XXXX XXXX XXXX XXXX, {$370.00}, XXXX XXXX XXXX XXXX, {$3700.00}, XXXX XXXXXXXX XXXX XXXX  {$2000.00}, XXXX XXXX  Bankruptcy, XX/XX/XXXX, Reference Number : XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I pulled my credit report and found a number of hard inquiries that I do not recognized. I called the companies as well as file a fraud account as well as freeze my account to avoid future inquiries.
Complaint sub-issue: Reporting company used your report improperly

I was notified on X/X/2017 that my equifax SSN, DOB, address, and more have been included in the recent hack into their system. I registered for credit reporting through equifax that states it will begin monitoring for 12 months starting X/2017
Complaint sub-issue: Debt was result of identity theft

Just got a letter from:Webcollex LLC DBA CKS Financialoriginal creditor: XXXX XXXX XXXX Brand:  XXXX XXXX XXXXsaying I owe $XXXX, but This was part of identity theft that happened in XX/XX/2014 and I filed a police report and FTC report, but these people keep going after me.
Complaint sub-issue: Account opened as a result of fraud

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YOUR COMPLAINT In accordance with the Fair Credit Reporting act XXXX account # XXXX / XXXX COMERICA BANK. Also, 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 state consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXXXXXX XXXXXXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX  # XXXX has violated my rights. 
US DEPT OF EDXXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Account information incorrect

In the month of XXXX, I submitted a request to have detrimental items removed off my credit report. My student loans were moved to another servicer and the delinquencies are reported twice on my credit report. This is causing a negative impact on my FICO score. Additionally, some of the reporting is not accurate. There are accounts reporting on my credit report that has been surpassed the 7 years of reporting. These accounts should not be furnished on my consumer report as they are in violation under 15 US code 168c-2 and USC 1681 sec 602A
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I disputed and contacted the company several times.
Complaint sub-issue: Public record information inaccurate

XXXX and Equifax are both reporting false information on my credit report. My credit report says that the US Bankruptcy Court-XXXX  is reporting That I filed several bankruptcies here are the account numbers # XXXX, XXXX, XXXX, and XXXX. 
I contacted the US Bankruptcy Court-XXXX  about this matter and they gave me a letter stating that they are not and do not report information to the credit bureaus. I sent the letter to the and they said they verified it with XXXX? I reached out to XXXX and they confirmed that my account has been frozen and that they are not reporting anything on me.
Complaint sub-issue: Company closed your account

Hello Discover Bank closed my account because of information they claim they couldnt verify. Which was a previous address. I learned my rights and pointed out to them violations and informed them I wanted to exercise my right to rescind because of the unfair and deceptive actions they have taken against me. Discover was sending me statements saying I owe a debt and took part in unauthorized use of my credit card. Without my written consent gave my information to credit reporting agencies and wont delete my information from those agencies or there system. They informed me that by law they have to keep my information and credit card on file. 
Thank you for your time in this matter.
Complaint sub-issue: Information belongs to someone else

Last year I filed my tax return and found that someone had already filed a fraudulent return acting as me. I called the IRS and was told to complete form 14039 Identity Theft Affidavit and submit it to the Internal Revenue Identity Theft Department and I did. 
I was then told to contact all 3 Credit Bureaus to see what other fraudulent activities that was illegally in my name. 
Because of our lockdown restrictions and severe loss due to Covid and now Hurricane Ida, where our homes have been destroyed and need full restoration I have been beyond busy. In addition, I am a sole provider for my family. I am taking care of my sick XXXX mother and Uncle. However, I have just settled to begin reviewing all of my accounts and found that I have numerous inquiries and accounts from someone illegally trying to get credit in my name. 
I began immediately disputing them with help from XXXX and Equifax, but XXXX stated they could not help me with the process over the phone. They stated I needed to send in multiple letters and other information. 
I have no idea why they wouldn't help someone in such a horrible position, but they would not even start the process without me sending in multiple forms of documentation. That was infuriating, especially when my co-worker had her inquiries removed over the phone a couple of days ago, but they demanded I do multiple tasks before they even input the reasoning for my call, and they kept me on the phone almost a hour to only tell me write down a list of things I needed to do in order to update information.However, I am accustomed to unfair treatment at this particular time in my life, but it is still unfair and unethical. However, I have notice that there are items on my credit reports that do not belong to me, some I have never noticed, therefore I would like to begin the process to having it removed with the assistance of the credit bureaus. This is unbelievable that people would use your identity fraudulently and leave me in a bad place. This have taught me to not share so much of my personal information over the internet on open websites, because that's where my information have been stolen and through big creditors data leaks. I have been the victim of several data leaks. I have received multiple letters stating that my name and information was listed in a data leak. I am now extra careful on where my information is displayed, used and stored.
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I purchased a car and it was a total loss. The company XXXX was going to be paid in full for the full balance by XXXX XXXX. They have reported the loan late every month eventhough the loan was to be covered because it was a total loss. This has stopped me from being able to qualify for a home loan becaus they should be reporting the balance as {$0.00} amd never late.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Complaint sub-issue: Investigation took more than 30 days

I sent an investigation request to Equifax, XXXX, and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank is failing to resolve a credit card dispute in regards to a vehicle upgrade on a lemon vehicle. ( Violation of NJ law N.J.S.A. 56:12-29 to 56:12-49 ) A vehicle upgrade was purchased at the time of delivery ( XX/XX/20 ) but shortly after the car was deemed a lemon due to numerous cosmetic and mechanical issues including : - 10+ deep scratches/scuffs below the paint and primer on doors, upper trunk, lower trunk area, and grill - Paint defects across the car including excess paint ( drips ), rough edges, and more - Damage to the front passenger seat - Damage to the passenger headliner - Damage to the windshield and parking shifter - Condensation in passenger B-pillar and displaying errors on screen - Passenger door would not properly shut - Thousands of small scratches across the vehicle on every panel - Severe screen backlight bleed ( Light spots visible on darker screens ) - Loud high-pitch noise when brakes are utilized - Deep sporadic ( suspected heat pump ) vibrations and pulsations - Misaligned vehicle panels including the trunk, door handles, headlights, door trims The car feature upgrade can be remotely turned off by XXXX and refunded but neither XXXX and Citi are properly resolving the issue. In fact, Citibank prematurely ruled on the credit card dispute without evidence or knowledge that the car was a lemon. The car is being returned back to XXXX as a result of the lemon and I am due for a refund for the feature upgrade that was purchased. I have plenty of supporting documents illustrating the dispute.
Complaint sub-issue: Account information incorrect

To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. 

Please delete this account. 

Best Regards, XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX continues to report to Equifax wrongly. I have paid {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, and {$1500.00} on XX/XX/2022 ; however, they are not reporting my current balance, which is {$7400.00} as of XX/XX/2022. However, they have sent me a monthly statement verifying that. 

On XX/XX/XXXX, XXXX XXXX reported my balance as {$12000.00}, according to Equifax. Falsely lying about the fact that I have reduced my balance by over {$4900.00}. When I called them on XX/XX/2022, number:XXXX, they told me they report monthly to the credit bureaus on the XXXX. 

I have called Equifax directly, and they stated they had not received any report from XXXX XXXX since XXXX. I have obtained my free yearly credit reports as of XXXX XXXX, and all the credit bureaus have a report from XXXX XXXX which shows a {$12000.00} balance instead of {$7400.00}. 

This impedes my chance of buying a house and showing my real debt to income it.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX is in FEDERAL VIOLATIONs as well as in violation against their own Private Date Sharing Policy. EQUIFAX is in violation under 15 USC 1681b for furnishing a consumer report on my behalf the original creditor WITHOUT MY WRITTEN CONCENT. Under the GRAM LEACH BLILEY ACT EQUIFAX IS A FINANCIAL INSTITUTION so there for fall under 15 USC 6802 and 6821. I demanded EQUIFAX to respect my right to privacy and opt out of there improper reporting of the given accounts and demanded EQUIFAX to show me where I have given them CONSENT as stated in their Privacy policy to furnish on and if they could not they MUST DELETE demanded accounts. EQUIFAX HAS NOT PROVIDED THAT REQUESTED INFORMATION. EQUIFAX is in federal violation under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent use of my credit card to furnish a fraudulent report without my consent and committing IDENTITY FRAUD.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX  sent me several letters on my account stating that it is closed because of money that I owed them. I contacted them and requested to dispute the transactions, but they were unable to assist me further and proceeded to mail me more letters. I mailed a letter back stating that I will not pay them what I owe because I did not authorize it and they sent more letters to me, this time to my different address.     This is leading to harassment because I asked them nicely to stop the first few times
Complaint sub-issue: Problem getting report or credit score

XXXX offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from XXXX notifiying me of my current score which was obtained from Equifax. 
According to XXXX as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against Equifax in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from Equifax and it stated my current score was XXXX. I tried to reach out to XXXX and Equifax to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date XXXX has refused to look into the matter and provide an response or corrective action.
Complaint sub-issue: Personal information incorrect

On XX/XX/2022, I called XXXX, XXXX, and Equifax to dispute incorrect and inaccurate personal information in my credit file, causing serious risk to the security of my personal information/identity, including my credit report ( s ) being mailed to inaccurate addresses. 

With XXXX and XXXX, I verbally confirmed my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted, with an updated copy of my credit reports mailed to my current address after corrections and/or deletions. 

With Equifax, I verbally confirmed all my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted. I also verbally verified the time it would take for the updates, was provided confirmation numbers for each item ( i.e., name, address, phone number, employer ) and requested an updated copy of my credit report mailed to my current address after corrections and/or deletions. 

Attached are documents showing the only, and 100 % correct, personal information that should be on my credit reports, with notes of corrections and/or deletions from the verbal conversation written on each. 

On XX/XX/2022, I viewed my credit reports from XXXX, XXXX, and Equifax online, and my personal information section still contains inaccurate, incomplete, and outdated personal information, putting the security of my personal information/identity at severe risk.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In light of recent investigation upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind Equifax of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law.

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX, XXXX XXXX  TX # 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