Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

After XXXX XXXX from the military ( 20+years severed ) and another 16 years working as an XXXX  in the corporate world. I as looking to find something I could do to earn money at home. After some research I received a email about an exciting and new way to earn money legitimately online at home. Initially for sign up and entry into the 21 step program a fee was required. It was advertised to bring big back end commission payouts with out handling any packages, talking to people or directly selling to the customer. Also once the customer signed up a phone sale team was present to handle all of your leads through process. The process was to guide the buyers through a funnel to arrive at the back end for the big payout earned, but first in order to sell the XXXX products a fee was required to buy the license rights to sell. The compensation for the largest payouts and your hard earned lead potential commissions to be pass by and above you, constantly up sold at every turn to position your self to get the back end payout you earned. The best and highest position at the time was to become a Diamond Consultant. A fee for each step Titanium, Platinum and then Diamond, highest was required for best possible position for earning big commissions. The opening of the DISCOVER credit card-XXXX in the amount of {$10000.00} was opened for this reason. To fund the amount of money needed for Diamond membership. Primarily we were guaranteed that this proven system would pay for the money invested with in the first six to eight months. The continued earnings of money ( income ) would then be used to reinvest and grow the company. However the proven system failed to produce what was advertised. Sales did not occur thus the ability to pay the card became increasingly difficult. I was told I would be making more at a rate enough to payoff my investment with in a year and continue to live a comfortable lifestyle. Quality Traffic as we were advised to use was not cheap. I discovered FTC caught on to this companies operations and shut the whole company down ( see FTC attachments ) Close to an overall of {$110000.00} out and a return of only {$4000.00} even with all the additional work I was doing like XXXX XXXX Ads, webinars and XXXX ads in addition to solo ads did not help. I need help! After shut down of XXXX, no service, no products I bought, licensing rights to sell those products, the phone sale team, coaching assistance, member network, website and it services non existent. I have used my savings and about to loose my home and its belonging, this has cause grave hardship and I am lost as to what to do. I need help asap.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX and XXXX have been in direct violation of the following : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. ( Equifax, XXXX and XXXX   are unable to verify ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. '' FCRA SECTION 616 & SECTION 617 after disputing UNVERIFIED ACCOUNTS. 
They have failed to provide me with verifiable proof required, this is evidence that it does not exist and therefore is proof that Equifax, XXXX and XXXX can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

THIS INFORMATION WAS REVISED XX/XX/2018
Complaint sub-issue: Information belongs to someone else

XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Account information incorrect

XXXX shows XXXX amounts due to XXXX XXXX XXXX, both from XXXX XXXX XXXX, XXXX for {$67.00} and the other for {$84.00}. I believe these are duplicate charges. I have asked for these charges to be verified and have not received any answer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX the below account numbers has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX FACT 15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a 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

On XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN OD.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXXXXXX XXXX inquired on XXXX XXXX , XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Complaint sub-issue: Information belongs to someone else

requested a copy of credit report b/c of ftc violation have not received one more than 30 days
Complaint sub-issue: Account information incorrect

My credit card statement closes on the XXXX of every month and the new month 's period begins on that day. Bank of the West ( " BOW '' ) reports the status of my credit account on that date to the credit bureaus. This past XX/XX/2020, my credit account was reported to the credit bureaus as has been done in the past ; however, on XX/XX/2020, another report was provided to the bureaus and at the time that report was submitted by BOW, my account balance was 99 % of the credit limit. As such, this tanked my score ... 

In trying to contact BOW, the agents first claimed that BOW agents were not trained to know the dates BOW submits credit account information and status to the bureaus and that if I had an issue, I should contact the bureaus, but upon my investigation into this matter, BOW should be able to aid me in addition to filing a report with the bureaus themselves. So, I called BOW back and explained everything again, only for the agent to put me on hold and eventually terminate the call while I was on hold. I called back and then there was silence on the other end of the line followed by the call terminating.
Complaint sub-issue: Didn't receive services that were advertised

Equifax data breach on X/X/17. Listed as potentially impacted causing me to take time to take preventative measure against identity theft.
Complaint sub-issue: Reporting company used your report improperly

Sears account from CBNA reported XX/XX/2018 reported as late payment. I went to the XXXX XXXX Sears XXXX in California to make the same payment each month, and have never been late. I am appalled that this payment was late, and if you review my account for every month, I have never been late. 
Please be so kind to delete this record from my credit. 

Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

credit reporting agency will not update my mortgage as paid off
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed that a new credit card from XXXX XXXX XXXXXXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the XXXXXXXX XXXX  they told me they will start investigating. 

They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the XXXX XXXX rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXX XXXX XXXX  XXXX, a guy identifying himself as XXXX XXXX called XXXXXXXX XXXX and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The XXXX XXXX account that was created under my name had the last XXXX digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX -- is not an address where I have ever lived or been to. 

The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. 

Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE RMEOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE RMEOVED IMMEDIATELY OFF MY REPORT.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My SSI Benefits were posted to my Direct Express Debit Card on XX/XX/2017 in the amount of {$730.00}. I accessed my card on XX/XX/2017 to withdraw my funds and I discovered that I only had a balance of {$3.00} in my account. I contacted Direct Express on XX/XX/2017 to find out what was going on with my account and was advised that there were over 25 withdrawals against my account over a period of 7 days all coming from a XXXX XXXX XXXX Account ( which I have no idea as to what this is ). I advised them that this was not anything I authorized. Customer service deactivated my current card ( to stop anymore activities from coming across ) and said I should receive a new card within 10 days and I needed to contact their fraud department ( which I did ) and file a report so I could get my benefits back. I filed the report and on XX/XX/2017 I received a letter in the mail from Direct Express which stated the following " The fraud services department has completed our investigation of your claim dated on XX/XX/2017 in the amount of {$730.00}. Based upon our review of the information you provided as well as our internal records and you card history, we can not confirm that fraud occurred. Our investigation indicated that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. You may try to resolve the issue with the merchant directly. '' First of all it was not a transaction it was a combination of over 25 such transactions against my account and what bank allows that to happen with a persons SSI Benefits which they rely on for support every month. I feel like they did not try to retrieve my funds and they should because I reported it as fraud and contacted them as soon as I was aware that my benefits were no longer on my card. Please Help. In fact as I was on the phone with them reporting my claim they could still see charges trying to come through even after my card was no longer active.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax if the worst credit reporting agency! need your help once again in rectifying my credit report of a MEDICAL collection. I cant get a complaint lodged online no matter what avenue i try. I tried free annual credit report and equifax system does not recognize my credit report number! Tried calling them and got through to call center agents based out of the XXXX! Asked to speak to a supervisor called XXXX and she was extremely un-knowledgeable about US consumer debt laws and did not even understand what I was trying to dispute. If you are going to hire people, hire people that understand ENGLISH! 

Please help. I have been trying to get this MEDICAL collection removed off my EQUIFAX report. All other credit reporting agencies have removed it, except EQUIFAX! 

The original reporting company reported the debt incorrectly to my insurance company and my insurance company showed a XXXX balance on my account. I can attach PDF if this website allows. I have also contacted my State Attorney General Office as well as all of the Congressmen in my area as well as others in the country as I am NOT the only one having this problem with EQUIFAX
Complaint sub-issue: Account status incorrect

I have called EQUIFAX and I explained to them about the inaccurate information on my consumer report and I demanded them to permanently DELETE/REMOVE the closed negative items accounts and they refused to do so. I also explained to them that I am a consumer ( natural person/creditor ) pursuant to 15 USC 1602 ( e ) and 15 USC 1602 ( g ). I demanded these deletions based on my federal protected consumer rights and they was nonchalant about the matter for which these items are affecting my reputation and destroying my character as a consumer. 
Also, while on the phone with EQUIFAX, I made it clear to them that NO consent was NEVER given to them ( EQUIFAX ) pursuant to 15 USC 1692b, I proceed to demand for these DELETION due to the violation they committed on my consumer report and explained to them that they was in violation pursuant to : 15 USC 1692b ( no consent was given ), 15 USC 1681 ( a ) ( 1 ) ( 3 ) ( 4 ), 15 USC 1681 ( 2 ), 15 USC 1681 ( 3 ), 15 USC 1681 ( 4 ), 15 USC 1681 ( B ), 15 USC 1681a ( d ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( 2 ) ( B ), 15 USC 1681a ( e ) ( failed to deliver proof of verification of alleged debt ), 15 USC 1681a ( 2 ), 15 USC 1666a ( B ), 15 USC 6821a ( violation of privacy protection ), 15 USC 6821a ( 1 ), 15 USC 6821a ( 2 ), 15 USC 6821a ( 3 ), 15 USC 6821b 15 USC 1692b ( 2 ), 15 USC 1681 ( a ) ( e ).

EQUIFAX fall under the term of Financial Institution pursuant to 15 USC 6827 ( 4 ) ( B )
Complaint sub-issue: Account status incorrect

I have sent several dispute letters asking XXXX to send me written verification from debt collection XXXX XXXX XXXX, I have not received. Also, XXXX is reporting is collection as an open account which is not under FCRA compliance.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account status incorrect

My old XXXX XXXX - XXXX XXXX XXXX account is misreporting a balance owed to Equifax when it was included in a bankruptcy that was filed years ago. This is inhibiting me from getting a loan and should be fixed ASAP.
Complaint sub-issue: Public record information inaccurate

My XXXX XXXX bankruptcy order dismissing the case was filed by the bankruptcy judge XX/XX/XXXX. On XX/XX/XXXX it was approved that the chapter XXXX case be statistically closed. I filed Chapter XXXX bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I was approved for an auto loan in XX/XX/XXXX by a dealership lender & I traded-in and bought another vehicle in XXXX XXXX & financed this auto loan with my personal XXXX XXXX XXXX  In XXXX XXXX, I was denied for a credit card by my credit union for an active chapter XXXX bankruptcy even though they pulled credit 2 months earlier & no saw no active bankruptcy. They said they were using a new credit reporting company and they needed proof of it being discharged. The same day I emailed copies of the judge 's orders and was approved right after. This was a first this had been brought up and assumed they had just made a mistake, so I didn't think much about it until now. XX/XX/XXXX I applied for a store credit card and received an email the next day notifying me that I was denied for active XXXX Now, I have to physically mail a dispute letter, my proof, and then wait weeks for this to " hopefully '' get corrected. What shocks me even more is that I currently already have two other open credit accounts with this same bank and my pervious XXXX XXXX loan. I pulled all three credit reports and I seen it was reported to one credit reporting agency as " Filed '' and immediately filed a dispute with that credit agency. Within my report it states they receive their bankruptcy information from a furnisher, LexisNexis. I have called the bankruptcy automated info line and confirmed it states both cases are dismissed/discharged. How after 4 years since a dismissal can this all the sudden be reported as active on my credit report?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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.