Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to personally remove inaccurate information from my consumer report that does not correctly represent myself. I have contacted each credit bureau by mail stating that i would like to dispute incorrect information from my consumer report. I have had challenges with being approved with financial benefits, auto loans and other products falsely reporting my credit worthiness. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 USC 1682a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from consumer report. The definition of a credit card under 15 USC 1682 is the same as it is under 15 USC 1602 ( L ) which is the therm credit card means any card, plate, coupon bork or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card i used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as are a violation of my rights as a Federally Protected consumer under title 15 chapter 41. I have attached the letter that Ive sent to each credit bureau by certified mail.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My Cash App card was stolen on XX/XX/2022 and multiple fraudulent charges were made. I disputed all of the fraudulent charges and the majority of them were refunded to me however 3 of the charges made totalling {$280.00} were not. These 3 charges were made tieframe wise in the middle of the other charges that were refunded to me as fraudulent however for some reason Cash App deemed these 3 charges as valid providing zero documentation for their basis for doing so other than a listing of the date of the charge, the amount, and the merchant name. I have disputed them at least 7 times with Cash App and they deny my claim everything without having any basis for doing so. They have essentially stolen my money. I want my funds placed back in my account and these fraudulent charges reversed immediately. Please please help me.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2018, a fraudulent deduction was debited to my debit account. a ridiculous fee of {$600.00}. XXXX cents was taken out of my account for a XXXX taxi ride. I do not have a XXXX app. I own my own car. I went to the bank the next day ( Citibank on XXXX XXXX XXXX, ny ) I reported the theft and since then after numerous phone calls to their credit fraud dept. I have been given the runaround. I have called at least 6 times. When you talk to the agent they will not give you their full name ( only their first name and usually some bogus coded info ) The last time I called, the rep told me much to my astonishment that the case was closed. When I complained, she said that she would e-mail the fraud dept. and they would send me a letter in a week. It is impossible to talk to a person directly involved in the case. Everything is e-mails being sent to the parties that could resolve the problem. Citibank is like a secret society purposely set up to pilfer a client 's money. I paid a 30 year home mortgage to citibank at 9.75 percent. I have been a customer for probably 40 years and this is how they treat me. Any banking institution should have flagged such a ridicuous amount for a taxi ride. I am retired on a fixed income. I, virtually have no savings. Please tell me how I an retrieve my purloined funds. 
Appreciatively,
Complaint sub-issue: Debt is not yours

I have repeatedly tried to have company verify debt. I have requested sign in sheet that is required to be seen at this medical provider. They can not produce any proof I was seen.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Charges were made on XX/XX/2022, for the amount of {$540.00} XX/XX/2022 MEMBERSHIP FEE JUN 22-MAY 23 {$0.00} FOREIGN TRANSACTION FEE {$270.00} INTEREST CHARGED TO STANDARD XXXX {$59.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXXXXXX XXXXXXXX XXXX - {$2.00} XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX {$540.00} XXXX XXXXXXXX XXXX XXXX {$830.00} XXXX XXXXXXXX XXXX XXXX {$870.00} XXXX XXXXXXXX XXXX XXXX {$890.00} XXXX XXXXXXXX XXXX XXXX {$830.00} I filed a dispute online and by phone. Have reached out for help through CitiBank XXXX page. Filed a complaint with XXXX, XXXX, and XXXX. Emailed XXXX XXXX XXXX of CitiBank.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX acct was opened on XXXX XXXX and was closed on XX/XX/2017. It was charged off as a bad debt closed and was purchased by another lender ( XXXX ). This account reached its statue of limitations which was 3 years. This account is 13 years and 8 months old. On my credit report it states that XXXX XXXX, XXXX posted on my credit report that I owe {$1700.00}. It seems this company is ghosting my social security number and all pertinent information on the web. Since I am retired now and only have one income which is Social Security, this company is taking advantage of me. I did not sign any papers to start paying on this bill, although I am in a debt management program which this debt is being paid to XXXX XXXX XXXX XXXX every month by XXXX XXXX XXXX. The account has been settled for {$830.00} at which payment is being made every month. I would like XXXX XXXX, XXXX to remove from my credit report. The Company XXXX XXXX, XXXX is doing the exact thing to XXXX XXXX XXXX, XXXX. which states on credit report that {$1500.00} is owe but it has been settled for {$760.00} at which payment is being made every month. Its a shame that the little people when in debt trying to clear up their credit report that everybody else wins ; XXXX XXXX XXXX receives a fee for settling your acct, and these companies like XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX  ghost your social security. When financial crisis hit and you can not pay when the creditors want you to pay, even when the insurance has paid the creditor off and the account is closed, trying to do good by entering a debt management program is the worst. They tell you don't pay your bills and they have a better chance to negotiate your debt down meanwhile you are on fix income and the debts time have past statue of limitations. You can not win!! I hope this information will help some consumers to beware. Thank you.
Complaint sub-issue: Problem with personal statement of dispute

I have not able to reach the Company XXXX XXXX, I have mailed them a letter and called XXXX with no response, this company does not exist since I dis not get a response for months. The address for XXXX XXXX is incorrect and the letter I wrote them has been sent back to me, please tell me how did you verify the debt and I wasn't able to contact them by mail.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It doesn't say much except hard inquiry for home loan or mortgage
Complaint sub-issue: Problem getting your free annual credit report

For a couple years now, XXXX is the only report I can get on annualcreditreport, com. Equifax always errors out, and XXXX always displays a vague message saying something like, " a condition exists that is preventing your report from being available. '' Somehow, XXXX is completely reliable, while Equifax and XXXX are not at all. It has been years since I have been able to see my report from either company. But as far as I know, there is nothing unusual about my credit situation. 

I know I could write through snail mail for the reports, but annualcreditreport, com was supposed to make the process easier.
Complaint sub-issue: Reporting company used your report improperly

Pursuant to 15 USC 1681 a ( 4 ), you are required by federal law there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Its the consumer right to privacy and bankruptcy should not be listed on my credit report as this is a private matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

my credit is dinged without giving permission
Complaint sub-issue: Information belongs to someone else

The account XXXX not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change
Complaint sub-issue: Didn't receive enough information to verify debt

The company name listed on my credit report is : The Bureaus Inc. the amount of the debt is {$2500.00}. I have no knowledge of this account nor have I received any notifications from The Bureaus Inc. regarding this alleged debt. My credit score is being negatively impacted due to this as I was denied credit today. I would like this matter investigated and resolved immediately.
Complaint sub-issue: Information belongs to someone else

Someone stole my ID and Social and later used it to open the following account : XXXX and XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Amt. XXXX Please include my Police Report and Identity Theft Report that you have on file to the Dispute.
Complaint sub-issue: Information belongs to someone else

Name : XXXX XXXX XXXX : XX/XX/1966 Last XXXX : XXXX XXXX, XXXX and Equifax failed to provide a debt validation for alleged debt to XXXX XXXX account XXXX. I would like XXXX, XXXX, Equifax to remove the account, because they were not able to validate the debt under FDCPA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

EQUIFAX : On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX XXXX  pulled my credit without my consent On XX/XX/XXXX XXXX XXXX  pulled my credit without my consent. 
on XXXX XXXX  XXXX XXXX XXXX XXXX pulled my credit without my consent. 
I filled multiple dispute with the bureau and the companies, but could not find a solution.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting ACT XXXX, Account # XXXX with 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 an account without my written instructions.
Complaint sub-issue: Company closed your account

To Whom This May Concern, I am writing to express my concern that US Bank has unfairly closed my Secured Credit account and made deceptive statements to me over the phone and in at least one letter. 

Specifically, in a letter dated XX/XX/2022 I was informed that my secured card was permanently closed due to the attached secured savings account funds being " garnished ''. 

I subsequently called US Bank to ask for detail and was informed that the account was not garnished, instead, a hold had been placed on the funds until XX/XX/2022. The US Bank representative informed me that my account could be saved if I made payment to the creditor which was identified as the State of California tax board. 

After such a call I immediately made a payment to the State of California tax board, however, my account appears to be having issues online. 

US Bank markets their secured cards as a way to rebuild credit and I took the responsible action to pay the previously unknown creditor at the earliest possibility. However, I am now worried that US Bank is going to take action contrary to their representations of rebuilding credit by closing my account permanently- despite assurances by support staff that the account would not be closed if payment is made immediately.
Complaint sub-issue: Debt is not yours

This is a formal complaint against Americollect and XXXX  that continues to report 2 different invalid and unverifiable accounts on my credit report. I have attached a recent copy of my credit report to this complaint. 

I mailed a certified written letter to XXXX  on XX/XX/XXXX and Americollect on XX/XX/XXXX requesting my right to dispute the validity of this debt, both have to date ignore my request. I haven't received any communication from Americollect that validates this debt and XXXX  continues to verify the account stating that Americollect has certified that the debt is valid. 

If this debt is valid, why haven't I received the proper documentation that proves I owe the amount reporting on my credit report. 

Furthermore, I contact XXXX  on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an effort to have this unverifiable account remove, due to the FCRA stating that if this account can not be verified it must be removed. ( See attached certified receipts ) I understand that our economy is under a national pandemic and staff may be low, but after 5 months, I have no other choice to file a complaint against their negligence and unwillingness to properly investigate.
Complaint sub-issue: Public record

The XXXX showed an overpayment judgement against me on my credit report. The total overpayment amount was paid in full and XXXX confirmed that I my credit report would be updated as such and that I would receive a letter confirming my payment in case I had any issue removing this mark with the credit bureaus. It has been almost half a year since this time and my credit report has not been updated and I have not received a letter from the XXXX despite making several requests for it. Any help that your department is able to provide me to correct this situation would be greatly appreciated.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXXXXXX 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 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 a account without my written instructions
Complaint sub-issue: Account opened as a result of fraud

I believe a fraudulent account through the Albert financial app has been opened in my name using my social security number. 

On XX/XX/27, I received an email thanking me for signing up for " XXXX XXXX, '' which I never signed up for. 

I tried to email Albert to say that this account was fraudulent, but they responded that I had to log into the app to receive any help. 

Then, I subsequently received an email with a pre-filled direct deposit form, with " my '' alleged signature, and an old address I used to live at. 

When I tried to download the app to reset the password and get help, I could not log in without giving my social security number.
Complaint sub-issue: Fees charged for closing account

I opened a CitiBank account at the end of XX/XX/2019 and decided to close it in XX/XX/2019. I asked for closing all my Citi accounts twice by online chatting. After they send me a check, there is a XXXX cents positive balance on my account, and I shredded all documents related to Citibank. 
They sent me a letter recently claiming that I had an overdrawn of XXXX dollars. I asked for a statement to verify this overdrawn transaction, they refuse because I can not provide the bank original account number. I believe Citibank is still charging bank fees after I closed all accounts.
Complaint sub-issue: Personal information incorrect

Equifax Thank you for removing the address But the name you report is wrong You Equifax state you need Identification, You were sent copies of offical goverment documentation 2, I D s Drivers lic and conseal carry lic both have correct name spelling not what you report that is the only way my name is used I can show proof that you received the ID s and now you seem to be stalling with the statement you made .CFPB please send copy of case XXXX My case there response and my response back this should not take any time to fix seeing you have the documents this is a clear violation of false reporting
Complaint sub-issue: Reporting company used your report improperly

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Complaint sub-issue: Debt is not yours

I noticed on my credit report that an Agency by the name of " The Bureaus " has put a collection debt on my credit report. I have sent them notices to " VALIDATE '' not " VERIFY this claim and send any VALID proof that this Debt belongs to me. They have unsuccessfully provided any Validation that I have a legal obligation to pay them any such money claimed. I have also reached out and sent notices to the 3 Credit Bureaus, XXXX, XXXX, & XXXX about reporting this false claim on my credit report as well. None of the above institutions can provide any proof that I owe this money to said Company-The Bureaus nor that I am legally obligated to pay amount claimed nor that this account belongs to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were 3 inquiries I did not apply for. I did not apply for any credit cards nor mortgage. There is also an address on my personal information that I do not live at and have no idea how it was added onto my account. The fraudulent address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2018 my prepaid debit card, issued by Direct Express for my Social Benefit checks to be deposited into, was stolen while I was on vacation. On XX/XX/2018 I called Direct Express and notified them of the theft. The card was cancelled on that day. On XX/XX/2018 I received a Questionnaire of Fraud from Direct Express, which I filled out claiming {$17000.00} in fraudulent charges on my card and I mailed it back the next day.. I  was credited {$5100.00}. I have called Direct Express numerous times to get the remainder back but they will not return my calls or follow through. Comerica Bank, which processes the transactions, will not help. I called them and they said to call Direct Express. I called them again on XX/XX/2018 and the person at the Fraud Department said he could not talk to me and transferred to a Level 2 line, where no one ever answer the phone, per usual.
Complaint sub-issue: Public record information inaccurate

Equifax, the fact that you are ignoring the the fair credit reporting act is very disappointing. You have deleted bankruptcy chapter XXXX off of my credit report, because you couldnt verify that it was my account. Also you know that you have told a lie saying the courts verify this information. Which they do not. And i provided a letter from the court stating that they indeed, DO NOT report public information to the credit bureaus. You reported this account back onto my report XX/XX/2021. Why? This is extremely frustrating for me. To provide you with correct information. For you to still go against the fair credit act is disgusting. Please remove this account like you previous did, and do not add it back on. Or i will result to legal actions. I will attach the letter from the bankruptcy court AGAIN. Also remove all those addresses that do not belong to me. The only address that is correct is XXXX XXXX, Florida.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX credit bureaus are selling my name, address and other confidential information to creditors and allowing them to validate and report false information to my credit reports over and over again. I hired an attorney to assist with getting negative, fraudulent debt in my name removed from my credit report only for the same information to be reported again months later by different vendors but same debt information that doesn't belong to me. I've reported it to all three credit bureaus to no avail. 

Example : Fraudulent Debt Showing on XXXX and XXXX XXXX XXXX XXXX XXXX amount {$480.00} removed XXXX XXXX after dispute however purchased by new company Avante XXXX amount {$480.00} and added back to credit report as XX/XX/2022 2022
Complaint sub-issue: Account information incorrect

I have a loan with BEST BUY/CBNA, XXXX XXXX  XXXX XXXX  and XXXX/XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BEST BUY/CBNA, XXXX XXXX  XXXX/XXXX  XXXX  and XXXX/XXXX  XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BEST BUY/CBNA, XXXX XXXX  XXXX XXXX and XXXX/XXXX  XXXX  with no successful resolution. XXXX, XXXX, and XXXX reporting me having late payments. There was an error on their part. I was never late.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised and there's accounts reporting on my credit file inwhich I have absolutely no knowledge. Therefore, I'm demanding that these accounts be blocked and removed immediately. If you or your company do not then please show physical cause why you still reporting these unauthorized accounts. Please remove immediately these accounts. 

1 ) XXXX XXXX XXXX 2 ) US Dept of Education {$1700.00} 3 ) US Dept of Education {$3100.00} 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax reported inaccurate information on my credit report, and when I notified them they opened a dispute. I was then emailed that the dispute was resolved and was instructed to go online to access the file. The online system did not work and I used their chat feature to find a phone number to talk to someone. The phone number was an automated system in which they directed my concerns to their website that was not working. I finally figured out how to access a human and they opened my confirmation number, only to find out the case is still pending. There was no explanation to why I received an email stating the case was complete, and no reconciliation or assurance that it would be taken care of.