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

Inquiries on account that I do not recognize and or have no idea about. Via phone on all 3 credit bureaus I was told they do not fix these issues! but their job is to make sure everything is accurate on the account so Im complaining and theyve done nothing and Ive sent dispute letters and did not conduct proper investigations nor sent me information showing that they in fact verified the info and wasnt computer generated!
Complaint sub-issue: Information belongs to someone else

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Equifax lied to you concerning XXXX that reports on my credit file.. I received a letter from XXXX XXXX XXXX asking the credit bureau to remove the reporting from my credit report due to them finding out that the account was fraudulent and wasn't mines. They also sent me a letter stating they would not be holding me reasonable and they've asked the credit bureau to remove all reporting from their company! XXXX  has removed theirs and Equifax has a very nasty attitude when I called to speak with them, I spoke with a supervisor who told me they would remove it but didn't. I'm enclosing a copy of the letter that I received from XXXX XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a ReliaCard from us bank for UNemployment insurance. I never filed unemployment and I dont know why I got this card. Company is not helpful
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX BANKs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have two accounts on my credit report that I did not give permission for. Ive tried contacting the companies since XXXX. Recently in XXXX of XXXX Carter Young was taken off my report due to non verification. It just popped back up around XXXX. The credit companies are saying it is verifiable, but I have not been provided with anything. XXXX XXXX is also ignoring me in trying to fix this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I am disputing a negative collection mark on my XXXX  and XXXX credit reports in the amount of {$140.00}. The original creditor for this amount is XXXX at XXXX XXXX Apartments. The debt now belongs to Hunter Warfield. 

The reason I am disputing this collection is because the original creditor, XXXX at XXXX XXXX, is attempting to charge me for an expense they incurred before I was a resident at their apartment complex. 
I have attached two supporting files : File # XXXX is the move out statement and ledger that the original creditor, XXXX at XXXX XXXX, mailed to me upon vacating the apartment. The ledger indicates there is a move out balance of {$130.00} ( the actual amount on my report is now {$140.00} due to added interest charges from Hunter Warfield. ) File # XXXX is an invoice from XXXX XXXX XXXX charged to the original creditor, XXXX at XXXX XXXX. This invoice was provided to me by the original creditor, XXXX at XXXX XXXX, as part of my move out statement. The invoice is for carpet replacement in the apartment unit I resided in. 

Per File # XXXX my lease agreement began on XX/XX/2018. Per File # XXXX the invoice was generated and dated on XX/XX/2018. This means that the carpet in the apartment unit was replaced before my lease agreement began. 

I have disputed this issue with XXXX  and they quickly removed the negative collection mark from my credit report. As quoted by XXXX  on page # 1 of the attached file XXXX  Dispute Results, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Please feel free to review the XXXX Dispute Results attached file for your reference.
Complaint sub-issue: Other problem

The issuer of the visa credit / debit card is Coinbase Inc. ( which is tied to the XXXX Coinbase exchange ). 

Coinbase card acts as a debit card so you essentially need to pre pay the card by funding your Coinbase card account. 

I was heavily using my account because Coinbase offers crypto as a reward for using the card. A couple of months ago, I was informed by Coinbase that my card was deactivated because I violated the terms of service. I contacted Coinbase and after several days they reinstated the account but did not explain to me what triggered the deactivation. 

A few days ago - they did the same thing. They claimed that a charge I made on XX/XX/2022 for a bill from a XXXX law firm violated their terms- but again did not state what term I violated. 

I have called customer service several times and submitted several emails asking what term did the charge violate. Each time they only responded that I violated the terms of service with no explanation. Their customer service team is somewhere in XXXXXXXX XXXX XXXX XXXXXXXX and is very unhelpful. Prior to the above charge, I had made at least XXXX prior charges with the card with the same law firm. 

I suspect that because I was earning a lot in rewards from use of the card that they just made up an excuse to deactivate my card. Given the recent events in the crypto space, I would appreciate you investigating Coinbase and their card practices. If I violated their terms of service, they need to explain what I did. 

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

For the past 2-3 years I have tried to get 4 student loan accounts that should have aged off my report 6 years ago. XXXX XXXX and equifax disputes has always resulted in saying the creditor has deemed the information accurate and therefore will stay on my report, despite all evidence I show otherwise. I have tried disputing with XXXX as that is the company both XXXX  and equifax tells me is the company reporting the items. I filed two complaints against XXXX through CFPB. The second complaint resulted in XXXX reiterating they are not the ones who are reporting, XXXX  is. XXXX also instructed to call the number XXXX, listed on my credit report, for any concerns specifically for the credit reporting in question. That line connects directly to XXXX. I also contacted XXXX and as I have said over and over again, they have checked the national credit bureaus and there zero records of any reporting is being made. I showed them the items in question and they instructed me to contact XXXX. So if XXXX  claims they are not the ones reporting, and XXXX says there are no records of any reporting being made, why are these accounts that are negatively impacting my score still on my report??? Why do both credit bureaus refuse to delete these marks off my credit report if both companies claim they are making no such reports to them. I have contacted XXXX, XXXX, XXXX XXXX, Even XXXX  XXXX XXXX - they all claim they are no records of them ever reporting to credit bureaus.
Complaint sub-issue: Threatened to sue you for very old debt

Was contacted regarding an illegitimate debt. They threatened to take me to court and sue me for this debt that I do not owe. They did not read me any XXXX rights and couldn't even tell me who the original creditor was. This company is attempting to scam innocent people out of hundreds of dollars for debts that do not exist.
Complaint sub-issue: Information belongs to someone else

I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I received a letter from Vance and Huffman saying I owe a debt. I disputed the account in question and did not hear back from them. I found out today that there is a collection on my credit. Called them and a person answered stating they are with a law office and her name and how she may direct the call. Come to find out that they are not a law office but in fact a third-party debt collector. Spoke to XXXX XXXX and he gave me the login to look at the documents. In the document list is a Credit Disclosure that is not even for me. This concerns me because I have no relation to this person and makes me worried about what information of mine has been leaked to others from this company. I brought this to the attention of XXXX XXXX and he boastfully denied that this ever happens, and they do not make mistakes. I have the screen shots of it showing on the portal. They are not willing to remove the account from my XXXX credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a Conns account on my collections. I made a payment to settle the account in XXXX. The company sent me letters confirming. I made a dispute and neither Conns nor XXXX will fix the error on my report. 

They are also not reporting the correct amiunts for my student loans. They randomly grabbed a number out of thin air. 

Neither account will change. 
Also EVERY couple of day Conns put a new remark on my account after the last payment was made. Months after that payment was made to be exact. This made my credit drop like 100 points even after the last payment was made. They updated my account with wrong information Every 2 to 3 days for months. I also made payments three months prior to the last payment for the full settlement. This included two payments in XXXX. I sent all documents confirming that to all three : XXXX XXXX and XXXX
Complaint sub-issue: Billing dispute for services

I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In XXXX on 2022 XXXX XXXX  reported to XXXX, EQUIFAX AND XXXX that I was over 120 days late on my mortgage payments, how is that possible when the account was showing Pays/Paid as agreed in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of 2022 and XXXX, XXXX of 2022. These inaccuracies have cause me to discriminated against for credit worthiness. 
I NEVER gave You, XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX XXXX  has caused severe stress and anxiety due to the abusive and unfair practices. 
You, XXXX XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! The account are listed with late or missed payments and that is incorrect. The account were NEVER late and should be listed as PAYS or PAID AS AGREED.
Complaint sub-issue: Problem with fraud alerts

EQUIFAX sends XXXX XXXX the followng correspondences - maybe considered " fraud '' that violates consumer rights : 1. On XXXX XXXX, XXXX from Equifax Information Services LLC ( attached, XXXX ). Subject of Letter : " XXXX XXXX 's call re Fraud Alert, '' 2. and XXXX XXXX, XXXX from Equifax Security Freeze/Equifax Information Services LLC , advising of a subsequent " security freeze '' on consumer 's Equifax credit file. ( attached, scan XXXX ). 

PROBLEM is - XXXX XXXX NEVER made a CALL to EQUIFAX! Not sure what Equifax is UP to ... BUT these XXXX FACTS could be a backdrop to these correspondences : 1. Equifax Settlement Services was acquired by XXXX XXXX XXXX in XXXX XXXX - from EQUIFAX Inc. [ XXXX ]. Essentially - XXXX XXXX XXXX 's direct link to Equifax..XXXX who is the subject of our Mortgage Fraud Complaint with CFPB. See item XXXX below. 

2. XXXX XXXX XXXX is the subject of our Mortgage Fraud case with CFPB - CaseXXXX, lodged XX/XX/XXXX. Purported servicer making an illegal attempt to " steal our residential home in broad daylight. '' No proven LEGAL Rights to foreclose ... and ALLEGED DEBT most recently proven to be NON-Existent! See XXXX XXXX Results XX/XX/XXXX ( Exhibit XXXX from referenced CFPB file : XXXX XXXX XXXX account was DELETED from XXXX XXXX 's XXXX Credit file. ) Consumer is sending correspondence to EQUIFAX by regular mail re this DISPUTE. Given the urgency of our personal situation however - XXXX making illegal attempts to foreclose against our home next week - XXXX XXXX, XXXX - we thought it proper to lodge this Complaint with CFPB for possible investigation vis-a-vis CFPB case against XXXX XXXX XXXX ( CFPB XXXX ). THANK YOU.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased two beds on XX/XX/2022, a side table on XX/XX/2022 and one other bed on XX/XX/2022. The first two beds and the side table were delivered to our address in XXXX, Florida. The thirds was scheduled to be delivered to our home in XXXX, Texas ( this was also supposed to be delivered in Florida ). We were told it is our mistake even though the order was placed by a Macy 's representative over the phone. We decided to return all the furniture and requested a refund. The bed being delivered to Texas was never delivered and the beds and side table that were delivered to Florida was going to be picked up. 
After several phone calls and multiple hours spent with Macy 's representative in different departments and different parts of the world, the piece of furniture were picked up in XXXX separate pickups. We have requested for a refund as none of the beds or the side table were opened from their original packaging. 
Macy 's have give us every excuse under the sun, are in position of the merchandise and are refusing a refund. 
Macy 's credit card refused to place the debits in dispute or provide us a refund.
Complaint sub-issue: Debt is not yours

I received a letter in the mail from a company called IC Systems, asking me if I would like to accept an offer settlement for a debt I do not owe or know anything about. This debt can not possibly be mine as it states the original creditor is XXXX. I currently have an account with XXXX  and have been a loyal customer for XXXX years. How can I have a collection account and have my service on at the same time? I have already submitted an ID theft/ Fraud report because someone has been attempting to obtain credit in my name. 
Under the XXXX XXXX Collections Practices XXXX a debt collector is to provide proof and validation that this debt even exists. You did not do that. Because it doesnt. I am demanding you provide a copy of the original contract signed by me and prove that is my real signature, a full accounting ledger of this debt, and proof that I even owe this debt. You will not be able to do that. 
15 USC 1692b and c states that a debt collector must cease all communications and collection efforts once notice is received. This is your notice. 
15 USC 1692g states a 30 day notice must be given to a consumer to dispute the validity of a debt. I never received a notice. You placed this on my credit report to be malicious and as a scare tactic. You are attempting to put me under duress and force me to pay this debt. 
I have filed a Fraud report with the Federal Trade Commission, if IC Systems had followed the law and taken the proper precautions before reporting this to the major credit bureaus, you would know that. Under 15 USC 1681 all fraudulent accounts reported by a consumer that furnishes a fraud report, are to be removed within four days. XXXX, XXXX and XXXX have been put on notice already. Because this so called company failed to complete their due diligence you are in violation of these rights protected by federal law. 
XXXX CFR XXXX gives the consumer the right to opt out under the Fair Credit Reporting Act, before any creditor places an item on their credit report. Each company is to give a 30 day notice to the consumer and offer this chance. IC Systems has also failed to do this. 
The Privacy Act of 1974 clearly states that written notice and consent must be given to all consumers before any private and personal information is to be shared from one agency to another agency. Once again IC Systems has failed to do this.

Under 18 USC 8, all debt is alleged debt. WE as consumer do not owe any debt and all debt are the obligations of US govt. 
IC Systems has shown Willful Non-Compliance and disregard to all federal laws. I am demanding that you remove all erroneous, fraudulent, fake tradelines from all credit bureaus within 4 days of receiving this notice and pay a penalty for this violation. 

XXXX and XXXX were quick to add this tradeline to my report without doing any research, yet take their time or ignore my Fraud reports sent to them. I will be pursuing legal action against these entities.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company I C SYSTEM ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Was not notified of investigation status or results

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.XXXX. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Complaint sub-issue: Account status incorrect

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 Equifax was XX/XX/XXXX, 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 following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX