Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

XX/XX/2020 - Fraudulent transaction on my checking account. {$1300.00} purchase at XXXX XXXX XXXX XXXX, XXXX, NY. 

XX/XX/2020 - Fraudulent debit challenged at local branch of Key Bank, temporary credit issued. 

XX/XX/2020 : I receive a letter from Key Bank informing me provisional credit for alleged fraud will be reversed : XX/XX/20 not allowed, XXXX XXXX XXXX XXXX. 

XX/XX/2020 - Key Bank withdraws funds from my account : {$1300.00}. 

A side note : at my XX/XX/2020meeting with the local branch manager, in XXXX, XXXX, I was informed that his quick review of my acct record clearly indicated the challenged transaction was fraud, because the bank flagged and stopped other fraudulent transactions from occurring on this same account just after the incident I'm reporting here. Without informing me, by-the-way. How in the world is it possible they then decide the disputed transaction is legitimate??? Bank is taking my money, because they are unable to recover it from the actual thieves, and to cover inadequate account security and safeguards. Please, HELP!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I submitted a complaint to both equifax and XXXX about fraud account inquires in my credit report i even submitted a police report showing ive been dealing with this problem.
Complaint sub-issue: Debt is not yours

I received notification on my XXXX credit report that debt was owed ( {$410.00} ). I contacted the company and advised them that the debt did not belong to me and requested information granting them the authority to collect on the debt. I requested proof that the debt is owed to me. XXXX XXXX did not send any documentation ranting them the authority to report this debt in my name, nor did they send anything giving them authority to collect the debt. XXXX XXXX did send a copy of what appears to be an agreement signed by someone. I advised them that this is not proof and it is not my signature and demanded they stop reporting incorrect information on my behalf and cease and desist any further collection efforts. The company then sent me a set of documents to complete. I have advised them that I understand they are attempting to collect a debt and I will not provide them with my personal information due to the fact that I have already advised them that The debt does not belong to me and they did not provide me with proof that it does nor did they produce anything bearing my signature.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX  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 feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

For the past several years I have monitored my credit. I have paid off most debt and have NOT use for credit for any reasons items have been removed because they were my medical records inquiries have been removed because of fraud. I have gone back and forth with XXXX EXQUIFAX AND XXXX with little to no help. My reports dont update accurately items are not being removed. I have told each agency those inquiries arent mine. My scores arent being scored properly I am owed at least XXXX  points on each report.
Complaint sub-issue: Problem with product or service terms changing

Equifax suffered a data breach that affected 143 million people that are under its service. I used the tool on their page, XXXX XXXX XXXX, to check if this breach has any impact on my ( provided my last name and last 6 of my social security ), it seems that I am possibly impacted by it. All my information including social security number and financial information has potentially been leaked out by Equifax and this is unacceptable. Equifax is trusted with such vital information for such a large percentage of the population, and its unbelievable that a security breach like this was able to happen.
Complaint sub-issue: Information belongs to someone else

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Attempted to remove credit infromation regarding a failed business venture with my personal credit being compromised several times prior. XXXX  claims there is a settlement in the works, but I shouldn't have to wait to settle an issue I've ben having since I began using my credit to attempt to get a car, business loan, and house through XXXX XXXX, XXXX, and XXXX  XXXX XXXX. Feels like discrimination.
Complaint sub-issue: Debt is not yours

Contacted XXXX in 2017 when I found that the tenant XXXX XXXX XXXX XXXX at the time did not transfer account over to his name. XXXX told me to have tenant contact them to have account transferred and they would send out a letter to have signed by me and tenant. Instead of XXXX transferring the account they made up a new account and never sent out a new letter. 

After several attempts of contacting them and disputing the account with the credit bureas, I decided to reach out to you.
Complaint sub-issue: Other problem getting your report or credit score

I live in XXXX, GA. I Tried to establish new Power service, and XXXX XXXX  could not check my credit with Equifax, they thought I had a frozen or block account, I called Equifax customer service XXXX 3 different agents they said I don't exist with Equifax, they don't have a file or any records, they told me to call my lenders and ask them to start reporting to Equifax, I did that called 3 different lenders and asked them if they could start reporting to Equifax, they told me that they do report automatically every month to all 3 Bureau credit agencies. so I called them back still get not help at all. interesting thing is I get a monitored credit check with XXXX by XXXX and they provided me my 3 scores every month, from XXXX, XXXX and Equifax, but no body from Equifax seems to care or neither know what to do.
Complaint sub-issue: Information belongs to someone else

There are accounts listed on my credit report that do not belong to me.
Complaint sub-issue: Information belongs to someone else

THERE ARE LOTS OF FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. I HAVE ATTACHED POLICE REPORT AND CREDIT REPORT SHOWING THE FRAUD.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc. 

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago. 

3. The current payment account status is 120 Days Late but the account is Listed as closed. 

4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received. 

5. Its ahowing as Voluntary Repossession and I NEVER EVER EVER EVER DID THIS and I requested prood of this and never rcvd. 

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED 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
Complaint sub-issue: Can't decrease my monthly payments

I have been paying back my student loan since XX/XX/XXXX. I was late for XXXX payment about 2 years ago and it was only by a few days. Other than that, I have never missed a payment no matter how hard it was to make the payment. I tried in good faith to get them to refinance the loan. However, they keep saying they will be coming up with refinancing options, but they never do. The terms of the loan are completely unfair. It is very high interest and a very short term. This makes it nearly impossible for me to live month to month. 
It was originally a {$44000.00} loan and by the end of the loan I will have paid roughly {$100000.00}. Seems a bit unfair to help a student get an education.
Complaint sub-issue: Personal information incorrect

In XXXX of 2020, I filed a dispute with this credit bureau about the inaccurate reporting of addresses that are not associated with me. XXXX XXXX XXXX XXXX, FL, XXXXnever lived here XXXX XXXX XXXX XXXX, AL, XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX -- never lived here XXXX XXXX XXXX XXXX, AL XXXX -- never lived hereXXXX XXXX XXXX XXXX XXXX, AL, XXXX -- never lived here. In those over 30 days I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about inaccurate reporting as of today. Thank you
Complaint sub-issue: Account information incorrect

On XX/XX/2021 I sent a letter to equifax asking them to verify that items on my report were being reported correctly on my credit profile and if not to please update in a timely manner. On XX/XX/2021 I sent a follow up letting asking again to verfiy items were still being reported correct and no response from equifax. XX/XX/2021 I sent a follow up message to equifax asking them to delete the following account because todate they are still being report inaccuratly on my credit profile. According to FCRA Section 611 : States " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate. Equifax failed to do so and are in violation of my FCRA rights. I am asking that they delete the following accounts since they are still being report inaccuratly. XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record

The Dismissed Bankruptcy filed in 2008 has been removed from XXXX. Why hasit not been removed from Equifax. Typically when an item is removed from one reporting agency, it 's removed from all of them.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX has an account open under my name and social, that i never requested.
Complaint sub-issue: Information belongs to someone else

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

XXXX XXXX XXXX XXXX has my Social Security Payment and Supplemental Security Income Payments. 

The Social Security Administration located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX, XXXX, Georgia XXXX mails the Benefit Manager ( s ) multiple ACH checks for transfer to Government Debit Cards. 

The transfers does not equal the standard Supplemental Security Income payment of {$730.00}. The transfers does not equal the standard benefit payment from retirement insurance or XXXX insurance either. 

The Manager ( s ) has not transferred the amounts to the card in my possession. The card ending in XXXX. The back of the card has XXXX. It suggest to call XXXX International Calls. 

Complaint Area : ACH Check Replacement or ACH Check Refund
Complaint sub-issue: Public record information inaccurate

I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. This company has consistently changed the bankruptcy file date when ever they submit an update to the credit reporting agencies. Attached is the most recent example today where they changed it from XX/XX/XXXX to XX/XX/XXXX. This continued action by them is negatively impacting my credit score. I have tried to resolve this with them but only receive critical letters and responses that they are reporting it correctly - making me to be the one being frivolous here when I am not. The credit reporting agencies say its the creditor and the creditor says its the credit reporting agency.
Complaint sub-issue: Attempted to collect wrong amount

Over the last 14 months I have been paying {$210.00} of which {$9.00} has been deducted from my payment, in XXXX of this year I called for a payoff and was given the runaround, First by a rep named XXXX and since then everyone else. I am now receiving letters from 3 debt collectors agencies all asking for the same debt and three different amounts. 

I have asked for a payment history and was told NO, I asked for an account audit and was told No and finally received a letter stating my payoff balance was {$5300.00} and because I had already paid {$2600.00} but was told I only had {$2500.00} available after {$100.00} had been taken as a fee on top of the {$9.00} fee I pay monthly so I sent a Cashiers Check for the balance owed on XXXX/XXXX/19 of  {$2700.00} which should have paid my balance in full, instead I am told that {$2500.00} of the {$2500.00} has been applied toward fees owed to the debt company and only {$84.00} will be applied to my balance on top of the {$9.00} paid monthly. And I still have A REMAINING BALANCR OF {$190000.00}, The company representatives especially XXXX ask very personal questions that are rude, insulting and offensive, I have paid {$530000.00} now I owe an additional {$1900.00} to three separate companies that are involved IT IS NOTHING MORE THAN HARASSMENT WHICH NEEDS TO STOP. 

As a veteran of this great country I am asking for your help in resolving this debt issue promptly, thank you.
Complaint sub-issue: Problem with fees

This account was opened in XXXX, 2019. It was used only once to purchase {$45.00} worth of mulch at XXXX XXXX 's XXXX, MA location. The account number is XXXX XXXX XXXX XXXX. 

After having not received a bill or the card itself, I called and notified XXXX XXXX that the card was lost or stolen and that no bill had ever been received. 

I subsequently learned that the statements and card had been sent to a wrong address. Despite several calls, at least four, over the next few months, the address was never corrected properly and statements, or the card, were still not received. 

In each of these calls I was told there would be no finance charges or fees. While credits have been put on the account they do not keep up with the finance charges and fees charged which are being levied on finance charges and fees. That should be illegal. 

I paid the bill in full for the amount of the goods purchased on XX/XX/2019. Their representatives take notes. This is all in their records and was so acknowledged in conversation with me. 

The last call was one month ago to point out that the address was still wrong and the interest and fees still on the statement. Again, I was told they would be removed. 

I also asked that they correct the information being sent, wrongly, to the credit rating agencies. The response was that I should call each of them and dispute the account. When I pointed out that it is their responsibility to fix their errors I was put on hold for a supervisor. I am still waiting. That is the second time that happened, the first was when I called and offered to allow a direct debit to a bank account to pay for the initial charge. Their representative could not tell me what that amount was and put me on hold to wait for a supervisor. I am still waiting. 

I have endured inept service, a lack of common respect, harassing calls and damage to my credit score. I would like written confirmation that all of this has been corrected, including rectifying the credit bureau reporting. 

I also sent a letter last month. The answer was non-responsive.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize anyone employed by XXXX XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the Equifax data breach publicly known.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called XXXX and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX XXXX finance XXXX XXXX XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cr XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX Cap XXXX XXXX XXXX auto XXXX XXXX fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX Premium cred XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There are several accounts reporting in error on my credit report ; there are several accounts with incorrect status and accounts that did not belong to me. 

The following accounts have incorrect late status : XXXX XXXX - incorrectly reporting that I was late XXXX & XX/XX/XXXX and XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX - incorrectly reporting that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX XXXX - incorrectly reporting that I was late XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90 and 120 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90, 120, & 150 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; The following is not my account : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ct I did not authorized the following inquiries : XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This account was opened fraudulently on XX/XX/2014 and is left with the balance of {$5400.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my report.
Complaint sub-issue: Information belongs to someone else

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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. 

In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Complaint sub-issue: Reporting company used your report improperly

I may be a potential victim in the Equifax security breach.
Complaint sub-issue: Information belongs to someone else

Equifax reporting items that are due to identity theft and per the law need to be removed. The equifax breech has caused years of issues and now XXXX which is ID theft is once again reported. Please remove any information being reported on XXXX accounts immediately. This is against the law and needs to be removed. I have supplied multiple documents to support the breech and claims. I have filed an action with the FTC as well