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

I sent proof of these unauthorized inquires to Equifax and XXXX XX/XX/2021 and I have not gotten a response from neither company yet. I have proof in the FTC Identity Theft Report and attachment labeled as Exhibit A-B that all of the companies are in Violation of 15 USC 1681 N. The companys willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1681. They are now civilly and criminally liable for those Violations.
Complaint sub-issue: Account information incorrect

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be re-investigated. 
XXXX XXXX Acct # XXXX I have attached my credit report from both Equifax and XXXX and each one have very contrasting payment history. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting
Complaint sub-issue: Received bad information about your loan

I received a letter from XXXX, informing me I was involved to a law suit with XXXX  XXXX XXXX. Due to their Fraudulent advertisement schemes and promises to Veterans all loans will dismissed. 
I contacted the university, then Mohella whos owns the university as well as the dept of education. And now one knows anything about it but Acknowledge the loan should be removed.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I mailed XXXX, XXXX andd equifax letters disputing inaccurate accounts on my credit reports. The companies have failed to respond to me within or after the 30 days from the first dispute letter was sent out.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Someone used my Home Depot credit card which is underwritten by citibank. They went into the store without the card and charged a {$3300.00} refrigerator. I have disputed this charge multiple times and customer service refuses to return it. They are referring me back to the store, and the store is referring me back to citibank. They are now attempting to sue me for a purchase that I never made. Someone has been using my name for years for the purposes of identity theft fraud. Please see attached FTC affidavit!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

The first phone call i received from " XXXX XXXX XXXX ( they also call themselves XXXX '' was on XX/XX/XXXX. They said that if i didn't pay them {$400.00} by the end of the month they'd pursue legal action against me. They never sent written documentation within 5 days of speaking with me or purchasing the debt from where I acquired the loan from. I received another phone call on XX/XX/XXXX to my personal phone saying i needed to call them back. Then my work office received a phone call from the same person on XX/XX/XXXX and when they were sent to me they said they were going to proceed with garnishing my wages and a lien on me. I stated that they've been told to not contact me at work, and she said that she was going to contact my HR department to garnish my wages. They also threatened my husband who isn't even on the account/loan.
Complaint sub-issue: Old information reappears or never goes away

On XXXX XXXX 2017 XXXX XXXX re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX inquiries are : XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hi, My name is XXXX XXXX and I submitted a credit dispute with XXXX and after 30 days they have failed to honor my request. Instead XXXX sent me the documentation after 30 days that they believe that this was not me when the dispute came from me with proof of identification documents and failed to open the dispute of items on my credit that are inaccurate and do not belong there. They have violated FCRA laws without processing my dispute and ignored my request with a invalid reason stating that it was not me.
Complaint sub-issue: Information belongs to someone else

I have multiple inquiries on my credit on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX   XXXX  i contacted credit bureau to remove unauthorized inquires ... stated i need to call original creditor ... contacted orginal creditors who all stated they have no account or information pertaining to me ... called bureau back to inform what creditor states and they still havent removed these unauthorized inquiries as i requested certified mail and via phone several times ... i am very frustated with this situation these are unauthorized inquiries
Complaint sub-issue: Debt is not yours

To Whom It May Concern, I am having an ongoing issue with XXXX XXXX XXXX  ( XXXX ) over an account which was created without my authorization. The account is not mine and has been duly reported to XXXX and the police, including an identity theft affidavit. 
XXXX refuses to remove the account from my consumer credit files and has stonewalled any lawful investigation into its removal. The data is listed on the derogatory section of my consumer credit files under personal culpability when it is not even mine. i am asking this agency to oversee the contact and removal of this account from my reports within the 30 day guidelines under Fair Debt Collection Practices Act rules and in accordance with the Fair Credit Billing Act. 

It is not mine and I should not have this marring my files for their lack of security in issuing a card used by identity theft.
Complaint sub-issue: Can't get flexible payment options

Hello, well I am XXXX college and have loans through XXXX and Tuition Options from 2014. Tuition options would hound me through email, phone, and actual mail to pay. I do n't work as much because I am a XXXX XXXX XXXX and I only make a certain amount each check. I have other bills, groceries, and car problems to take care of. I would pay $ XXXX-XXXX if I have it to put towards my loans. I and my mom who is the XXXX at XXXX XXXX also asked could I pay my loans after I 'm done with school when I have more time to actually work and I was told no. Also I recently looked on my tuition options account and I was also on the phone with an employee their and they said I have n't paid anything or they did n't receive any payments which is a huge problem. I also tried to see if I can combine my loans from XXXX and Tuition options and I was turned down by tuition options in which a student " can '' combine loans and pay it off bit by bit after I finish school. I also recently agreed to a responsibility payment since I started my new semester in my bachelors, I want to pay {$50.00} each month on the XXXX. Understanding that I have been doing so and Tuition Options still is n't easing up on me. They 'd still hound me to this day to pay after I already paid {$50.00} on XX/XX/XXXX. It have n't even gotten to XX/XX/XXXX yet and they 're sending me emails saying they 'll report my loans to the credit bureau if I do n't pay and if I do n't answer their phone calls and mail. My credit is low because of them. My car is currently in the shop still because I have n't been able to pay for it yet. I 've been paying for tuition options, my other bills, and barely trying to put groceries in my home. I 'm a student and I believe what they are doing is harassment ; from sending tons of letters every two weeks to emails every week, to a phone call every month even when I make my responsibility payment. It 's XXXX and I 'm starting to be at my climax with them. I have all of the letters they 've sent me and I can look in my emails to pull up all of the times they 'd hound me and threaten to place my stuff in with a credit bureau. Please help me, in desperate need. 
Sincerely, XXXX
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

This is in reference to my inquiry which I have discussed with CFPB contact XXXX XXXX a few months ago regarding my car loan. 

Inq # XXXX with XXXX I am faxing the original payment stub on monthly payment which should have been {$450.00}. 

However, PNC has been historically exploiting me adding extreme late charges adding first couple of years for an additional amount {$24.00} & subsequently {$36.00}. 

I have paid off all the payments last month on the original agreed contract amount but they have {$2300.00} on top of the penalties I paid monthly and not surrendering my title. 

Now, they are adding more compounded late charges on the amount which I shouldn't be even paying. 

I have contacted their executive office but they are arrogant and not being fair, instead they said CFPB can not interfere on their business or CFPB can not do anything on their business practices. 

I am attaching the payment stubs and evidence of dishonest penalty charges in the name of late charges. This bank has been practicing a cruel predatory lending by offering car dealers on bulk used auto loans from the dealers and changing like bait and switch style adding penalty charges. 

I request CFPB to review and take stern action against PNC bank 's penalty model that they use very dishonestly in order to generate revenue victimizing customers on loans offered for auto or others. 

Thank you and regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

To Whom it May Concern : On XX/XX/2021 I withdrew my exact payoff amount of {$23000.00}. I opened an account with US Bank to pay off my lease through US bank. I did this hoping to make the process as smooth and easy as possible. I called the bank several times before to verify I was sending them the correct documentation. 

US BANK told me numerous times over the phone that if I overnight the check and documents, they would send it back with my title within 24 hours. On XX/XX/2021 at XXXX XXXX my check for {$23000.00} along with proper documentation was sent to US BANK. My check and documentation was received on XX/XX/2021 at XXXX XXXX. 

It is now XX/XX/2021 almost a MONTH later and I still have not received my title. I spoke to yet another representative who told me, " I have devastating news, your title has still not been sent out. '' From the utter confusion that these customer service reps have, to not receiving a manager call back, and waiting over a month for a title when I was told several times I would get it within 24 business hours ; this is utterly ridiculous and predatory towards the consumer.
Complaint sub-issue: Information belongs to someone else

i have tried to no avail to get these fraudulent accounts removed off of Equifax. They have a glitch in their system they refuse to fix. These accounts are not mine and i have provided my case number to my fraud account from the police. These accounts are not mine and need to be removed : 1. XXXX # XXXX 2. XXXX XXXX XXXX  # XXXX and XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX 6. XXXX XXXX # XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX # XXXX and XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hello, I have recently attempted to contact Equifax, XXXX, and XXXX. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

Equifax : On XX/XX/XXXX I sent a letter to Equifax asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to XXXX, I never received any responses back from them. 

XXXX  : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on DISCOVER FIN SVCS LLC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2018, we rec 'd two unwanted cards we needed to activate, due to XXXX XXXX changing banks. We did so, and per directives, destroyed the old cards. About three days  later, we began finding out odd things. First, the credit bureaus reported the former XXXX   accounts closed XX/XX/2018. However, the cards worked thru the morning of XX/XX/2018. We were told PINs would be automatically sent on XX/XX/2018. When they hadn't come in two weeks, we called and we were told they would be sent again. There seemed to be little interest in what happened to the first ones. Finally three days ago, one of the two PINS arrived. When I communicated via secure message, I was told ( today ) that another (! ) PIN would be sent for a name not at all a part of our account. When I just called about that, the agent suggested it must be a fraudulent message ( in their secure message account!!! ). The lack of the credit limit has prevented us from automobile shopping needed to be completed for a grandchild. There's an unknown person receiving one of our PINS. We are financiually vulnerable.
Complaint sub-issue: Company closed your account

On XX/XX/2020, I went to check my credit card statement online, and found out that both of my accounts were closed by the company. I then immediately called customer service and they acknowledged that Citibank 's Executive Response Unit closed the accounts, refused to give me an explanation of why they closed the accounts, and refused to issue me new credit cards. Currently, I have no credit cards and have to resort to borrowing money from family to pay for food and supplies. The only solution they gave me was to write a letter to the president of the company and request that my accounts be re-opened. 

I had a picture of the web page showing the closed accounts but I could not upload it because it exceeded 10 MB
Complaint sub-issue: Attempted to collect wrong amount

Principal amount owed to my college was {$3200.00}, but debt collector MG Credit is trying to collect for {$4800.00}, and refuses to settle for some lesser amount or the principal amount. This seems like an exorbitant amount of interest/fees being charged. I have filed a dispute, but they are not responding to the dispute and the credit bureaus refuse to remove the charge from my credit report.
Complaint sub-issue: Information belongs to someone else

Inaccurate accounts on my credit report XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  - {$490.00} XXXX XXXX XXXX {$540.00}
Complaint sub-issue: Public record

Hello, there is a tax lien public record with docket number XXXX with XXXX filed on XX/XX/2014 that was noted on my file that I have been trying for the last 5 months to get this entry removed. 

I have spoken with a lot of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 3rd dispute in which I am currently awaiting results. 

I called and spoke with a supervisor and asked from Equifax on how credit bureaus verify their public records. I want to know this information because the public record keeps coming back as verified every time. I had 5 representatives inform me that the dispute is sent as a letter to the courthouse via XXXX. Once the court verifies it, the information is sent back to the credit bureau. 

To make sure the correct information was processed, I contacted the court house and they educated me that they do not disclose any information via the credit bureaus. 

I decided to call Equifax back to speak with another supervisor, but this time they advised that the information is reported by the 3rd party who contacts the court house. 

I asked what information does the 3rd party give to the courthouse, and how & what kind of physical information does the 3rd party give back to the credit bureaus. They could not answer that request and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

Equifax refuses to give my physical documentation that they use to verify this tax lien is mine and reporting accurately per the Fair Credit Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

Received a consumer report from with several violations by Equifax, dated XX/XX/22 as abusive, unfair, deceptive. This unauthorized action of furnishers/debt collector pursuant to 1692i ( b ) has violated my right of privacy in reporting to Equifax, a consumer reporting agency for which the report is disputed. 

The report has impacted adversely impacted me negatively in 1692 ( a ) ( 1 ). 

I am submitting this complaint following several unverified investigations. There is false, deceptive, inaccurate and unauthorized information that appears on my Equifax consumer report and instruct Equifax to delete my personal data, negative information and circled account information referenced Pursuant to 12 CFR 1016.15 ( a ) ( 1 ) as I revoke the consent and direct Equifax to cease and desist, as right to opt out, unauthorized use of personal information and injurious negative information as compliance to 15 U.S.C. 1681b ( a ) ( 2 ) within 48 hours.
Complaint sub-issue: Their investigation did not fix an error on your report

The Issue : On XX/XX/XXXX XXXX XXXX was granted a Judgement against me in XXXX. XXXX XXXX. Since then XXXX XXXX hasnt been reporting any information contained in said Judgment on my XXXX because pursuant to the Comprehensive Consumer Credit Reporting Act of 2017 115th Congress that says Equifax, XXXX and XXXX can no longer reflect/report filed Judgement information on my CBR. According Equifax On XX/XX/XXXX, XXXX XXXX reported derogatory information on the same loan. I believe this is a violation of the Fair Debt Collection Act and the Fair Credit Reporting Act. They cant file a Judgment that goes on my Public Record for 7 years then turn around and put the same info contained in the Judgment on my XXXX knowing the that the credit bureaus no longer show that information. 
Equifax should not allow XXXX XXXX to report the same information contained in the Judgment on my XXXX. Both XXXX and XXXX are not showing XXXX XXXX at all. I forwarded a copy of the Judgment to Equifax, Supervisor XXXX, XXXX and XXXX acknowledged that they were in receipt of the document, yet they refuse to delete the information
Complaint sub-issue: Debt resulted from identity theft

erc of florida has been trying to collect a debt that is not mine for over two years now, it has been put on my credit report three times, proven wrong, couple months pass, then put it back up, without once sending me mail about it or calling me, i have tried to get them to verify this account they can not, i told them this sounds illegal and downright wrong they sell it, buy it back fraud on there part
Complaint sub-issue: Company closed your account

The company Discover Financial Services closed my secured credit card for XXXX bias reasons. I reached out for a valid explanation and was provided with 2 different reasons for the closure. I have requested documents and the exact reason per my under the cardholder agreement and was never provided an answer.
Complaint sub-issue: Account information incorrect

I have paid down these accounts : XXXX XXXX XXXX XXXX, XXXX CREDIT CARD XXXX, XXXX XXXX XXXX '',
Complaint sub-issue: Debt is not yours

Back in XX/XX/XXXX I was with XXXX XXXX, I called and talked to them to cancel my service, since I was no longer under contract, I paid my last bill. I got a letter in the mail my account was closed this was also in late XX/XX/XXXX, the following month I got a bill from them for the amount of XXXX in a demand letter I refused to pa it, the account was closed and then sold to a different collection company, within 1 yr it was sold to XXXX XXXX XXXX, this was in XX/XX/XXXX, they are saying that it was in XX/XX/XXXXwhich it was not. After I asked to be put on the do not call list the calls stopped, I was getting at least 15 to 20 calls a day. Now this is now XX/XX/XXXX and they refuse to remove it from my credit report, I have informed them that once this account was sold it was no longer my account. They still refuse to remove it from my credit report as a collection debt. And it is hurting my credit score. I have disputed it over 5 times with the 3 major credit reporting agency 's it's still there, Then I contacted the 3 credit agency 's  and disputed it yet again. They refuse to remove it from my report 's. Even after I told them they were violation of the Fair credit reporting act. XXXX XXXX XXXX I WHOM I CONTACTED VIA THE DISPUTE ON THE XXXX XXXX   SITE. THEY HAVE DENIED MY DISPUTE NOW OVER 5 TIMES. I WANT THIS TAKEN CARE OF ONCE AND FOR ALL. Thank you
Complaint sub-issue: Debt was result of identity theft

I logged into XXXX XXXX to check my credit score and noticed that it has fallen over 41 points and that is because someone has used {$5200.00} from a Sears/CBNA account with a limit of {$6500.00}.

I do not know where this came from, this account is over 26 years old and I do not know how I got the account in the first place.

I strongly believe this is a result of identity theft.