Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX ( NRA ), XXXX XXXX XXXX, XXXX, PA ( XXXX ) XXXX entered an amount on my credit report that was already billed to XXXX and XXXX paid the amount due to XXXX XXXX Hospital several years ago. However, this complaint is not about the bill or the amount. It is about how this claim was communicated.
My son noticed this amount, and the information about this amount, was entered on his credit report. He called the credit reporting agency to report that his credit account had false information.
The credit agency directed him to call XXXX XXXX XXXX ( NRA ) to resolve the false claim. He called and spoke with the representative at NRA.
When my son asked about why this false information was on his report, the representative told him there was a mix-up with the last name. Then, the representative proceeded to tell my son all of my personal identifiable information, including my address and birth date.
Of course, my son knows this. But what right does this collection agency have to give out anyone 's personal identifiable information to any one? Could n't they simply verify that the charge on my son 's report was mistakenly added to his report without disclosing my information? What reason would they have to tell anyone personal information about someone else who they ( the agency ) mistakenly exposed?
Further, the NRA representative had no idea that the person on the other end of the phone line was indeed my son. It could have been anyone. How many other callers have been given my personal identifiable information? There is no way to tell. This is a serious breach of confidentiality and one of the reasons there are so many mistakes on everyone 's credit reports. Am I to understand that my personal information is being floated to whomever calls and asks for it? Not to mention that the information is false no matter whose report it lands on.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit act 1. XXXX XXXX of XXXX Original creditor XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX  Acct # XXXX Original creditor XXXX XXXX XXXX  15 U.S.C Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX   Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   deal Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my consumer report and I noticed that it XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX is reporting my experience with your company. The line of credit or experience that I have with these companies is characterized as utilization and is being reported on my consumer report. Your company is illegally reporting this experience ( utilization ) on my consumer report. Your company is in clear violation of the law. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states that transactions or experiences between the consumer ( ME ) and the person ( YOU ) making the report SHOULD NOT BE INCLUDED on my Consumer Report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not to be included on the consumer reports. You have violated the FCRA 15 U.S. Code 1681a 2A ( i ) by reporting this transaction or experience ( utilization ) on my credit reports which Congress clearly states IS NOT included on my Consumer Reports. You have 10 calendar days to delete all utilization of the above accounts from my consumer report. Failure to respond with deletion of the above utilization will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent non-compliance 3. Civil liability 4. Mental anguish 5. Violation of Fair Credit Reporting Act 15 U.S. Code 1681and 15 U.S. Code 1681n - Civil liability for willful noncompliance
Complaint sub-issue: Information belongs to someone else

I have disputed these accounts with the credit bureaus already, but until now I'm still seeing these inaccurate accounts being reported on my credit file and now it badly hurt my ability to obtain credit. I'm certain that my rights as a consumer protected under the law has been violated.
Complaint sub-issue: Other problem

We opened a company credit card with Citibank over twenty years ago, and the company has since closed. The credit card remained active, and a few months ago, I paid off the balance. There was a return, which caused a credit amount on the card. I asked Citibank to send a check and close the account. Citibank sent a check in the name of the closed account, but I can not deposit the account since I do not have a checking account with the name of the closed company. I have the check that was issued by Citibank in the name of XXXX XXXX XXXX  XXXX, and at this point, Citibank is saying there is nothing they can do. 
So, I understand that Citibank will keep my money in the amount of {$310.00}. 

Is this fair?
Complaint sub-issue: Account status incorrect

I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$950.00}
Complaint sub-issue: Charged too much interest

Following my divorce in 2014 I had to rely more on my credit card purchases. Over the past five years I've accumulated some sizable credit card debt. Prior to my divorce I never carried a balance on any of the eight credit cards that I possess so managing credit card debt was a new challenge for me. With that said, I am very concerned about the amount of fees/interest that Citi Bank has been applying to my balances. I would voluntarily allow any federal regulator to review my entire file with Citi Bank. I'm confident that there is an enormous amount of egregious violations with my credit card statements with Citi Bank.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2021, XXXX XXXX from Macy 's Executive office asked that I pay {$170.00} that I do not owe from the Department Stores National Bank. 
I replied and showed proof that all charges on the XXXX XXXX card administered by Macy 's have been fully paid. 
I did not hear back from their office but instead my alleged debt was charged off according to a credit report and eventually sent to a collection agency, XXXX XXXX XXXX. 
I truly find malice in the steps that have been taken to collect {$25.00} for an XXXX subscription that I was not aware of but have been credited for by XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX & XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account XXXX XXXX XXXX Account Number Account Name XXXX XXXX Account Number XXXX Record Type XXXX  XXXX bankruptcy dismissed Reference Number 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, 2022 I contacted XXXX 's fraud department to report the address on XXXX XXXX, XXXX TXas incorrect. The woman from XXXX, refused to have it disputed because it is an address that a creditor, XXXX Bank for a XXXX Credit Card ) submitted. She explained that her job is to report what the creditor tells her and that XXXX does not work for the consumer. Whatever information the creditor gives XXXX is what XXXX will report. 


I have never lived in XXXX Texas but XXXX Refuses to remove it I have submitted a dispute for this XXXX  Account Every month for the past 5 months and XXXX will not remove it. I have a letter from XXXX Explaining that this account will not affect me or show up on my report but XXXX continues to report it. 


How can I hold XXXX accountable when their employees are confirming they will only submit what the creditor says?
Complaint sub-issue: Can't use card to make purchases

I have a cash app account thats has my legal money
Complaint sub-issue: Charged too much interest

I am a platinum Macys Credit Card holder. I have maintained flawless/perfect credit with them for years. My account number ends in # XXXX. Name on my card is XXXX XXXX XXXX, address is XXXX  XXXX  XXXX  XXXX, XXXX XXXX, CA XXXX. A few weeks ago I received my newest statement My balance was XXXX of which they charged me {$210.00} for interest in XXXX. In XXXX I had purchased like {$100.00} ... it raised a flag. I called customer service and told I was charged for not having to pay interest on a {$240.00} XXXX  XXXX  I purchased on XX/XX/XXXX. I have never heard of this interest nor what I to pay interest after a year. I am prudent person when it comes to credit. I would have never opted for such a thing, {$210.00} interest for a year non-billed charge? for a {$240.00}. 

The true story in addition to this " : credit/interest robbery!. On XX/XX/XXXX I purchased a ring they sales staff claimed was a " XXXX XXXX. '' The cost was a total sale of {$1200.00}. 

I also purchased the XXXX ( for {$240.00} ) I took the " XXXX XXXX to an appraiser and was told it was not worth more than {$80.00} and Macys had a huge mark up as well as not being a diamond. It was actually a XXXX XXXX XXXX. 

I was furious - I went to a 2nd appraiser and he said it might be closer to {$100.00} it that. I needed the appraisal for my insurance company, I went back to Macys and returned the XXXX fake diamond ring on XX/XX/XXXX. I was refunded {$980.00}. Again the rind was return and it any non-disclosed deal for a year without payments there should have been no interest! 

I could not get the customer service representative to hare me, they refused to believe I was never informed that I would not be charged interest. If I signed anything I probably thought it was the charge receipt? 

The XXXX was paid by way of a gift card for the the {$240.00} - how was $ XXXXinterest assessed/charged for a purchase on a gift card? 

I will ever use the charge card again. 

I am respectfully requesting that the interest be immediately be removed from my Macys charge account. 

I did pay an additional payment of {$200.00} after this literally interest robbery. I intend to pay off the total balance and then never use the credit again - NEVER. 

i ASK THAT THE INTEREST BE REMOVED AND MY ACCOUNT BE CREDTED THE ILLEGAL MANUVERUR.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureau to validate these accounts ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

There are some accounts and a bankruptcy listed on my credit reports that aren't mine. Please remove them.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately : XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Complaint sub-issue: Attempted to collect wrong amount

I lived at XXXX XXXX XXXX Apartments from XX/XX/XXXX to XX/XX/XXXX. The last couple months I lived there under HUD assistance, they kept reporting that I didn't recertify. I came down the office XXXX times and submitted this recert paperwork to them. They sent me a letter stating that I owed rent for XXXX XXXX and XXXX which I paid with a money order, and they cashed in XX/XX/XXXX. After finally getting in contact with a rep from HUD about the issues of the recert, HUD started to investigate the issue. They sent me threatening letters stating that my voucher was cancelled since XXXX because I didn't recertify, and that they would be charging me rent from XXXX until the current month. I moved out of this apartment in XX/XX/XXXX because of this conflict. They tried to bring a lawsuit against me but, the case was dismissed with no judgement owed to them. They then posted on my credit that I owed them XXXX. I disputed this record through XXXX for a year and every time it came back the collection agency states that the account is validated. I then requested validation from them, they provided a lease form when I first moved into the apartment as the start of the delinquent balance, and final notice of a bill with charges as if my voucher was cancelled, but nothing that states as a statement or a bill as to where they got the amount of XXXX. I called XXXX this time to dispute it again. I sent them all the court documents, lease information, the FTC identity theft report as well as other related documents as XXXX stated. I spoke to a rep from XXXX to make sure the documents were received, and they confirmed that the amount alleged against me was fraudulent, and that they will put a request in to have it removed from my credit. XXXX and XXXX have taken this collection off my credit following my conversation with XXXX. I called XXXX again, to find out why they still had this collection posted on my credit file. The supervisor stated that XXXX removed it from my credit, but the collection agency placed the same alleged amount on my credit file again! This collection account is fraud, and the collection agency keeps posted it as a new account every time I dispute it as non-liable for this debt. I do not owe this company anything and they are continuing to fraudulently post inaccurate data on my report. This alleged amount is solely posted on my credit file. It is not posted on any rental history reporting agencies. The only reason they are reporting that I owe them anything is because I reported them to HUD because of their misuse of recertification paperwork to try to scheme money out of residents. 80 % of the residents that live at this property are old and can not speak English. I wish to have this file reported as fraud and removed from my credit file.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA XXXX BKPT CT IL XXXX XXXX
Complaint sub-issue: Information belongs to someone else

EQUIFAX, XXXX AND XXXX XXXX HAS SOME ITEMS ON MY CREDIT REPORTS THEY REFUSE TO REMOVE/DELETE.
Complaint sub-issue: Account status incorrect

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2021 Credit reports were ordered from the three major credit reporting agencies. Once again Equifax refuses to provide credit report as they have refused before and will only comply with a formal complaint to CFPB. XXXX and XXXX  have sent the reports without prejudice. Equifax has refused to send my report year after year in violation of federal law.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX  XXXX  XXXX  
XXXX
XXXX  XXXX  
XXXX  XXXX  XXXX  XXXX   XXXX
XXXX  XXXX/XXXX  XXXX XXXX  XXXX  XXXX  
not mine 
and address 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