Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

This company has violated my right to privacy by not notifying me before information is published on my credit report 15 U.S. Code 6801 - Protection of nonpublic personal information ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

This unauthorized information has caused me many inconveniences 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was not given the opportunity to before time this information was just published 15 U.S. Code 1681- Congressional findings and statement of purpose 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

This agency assumed this role with out my consent and are not respecting my privacy
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA 605, you are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2200.00}.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

THE XXXX XXXX XXXX XXXX  XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Information belongs to someone else

I was so stress Today, I've sent disputes letter since XXXX2020 regarding to those inaccurate and unknown accounts that I found on my credit report, but they didn't response yet. and those accounts are still on my credit report. I demand that those accounts will be DELETED immediately or I will file a litigation.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to Equifax disputing 8 accounts as erroneous on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from this credit reporting agencies. I also sent a follow up letter today for Equifax to comply with 30 day investigation law. I would like these erroneous accounts deleted.
Complaint sub-issue: Account information incorrect

LendingUSA is reporting negative information to my credit report. 
-Two year payment history is not updated. 
-Payment status incorrect -Date last active incorrect -Date of last payment incorrect
Complaint sub-issue: Personal information incorrect

This is NOT my previous address and I have NEVER lived at this address : XXXX XXXX XXXX XXXX CA, XXXX I have asked for this to be removed and it still has not and there has been no response from the bureau.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquires were not done by me.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # ( Original Creditor ) XXXX Account # ( Original Creditor ) XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # XXXX  XXXX Account # XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me. 2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress.
Complaint sub-issue: Their investigation did not fix an error on your report

From me to upgrade - XX/XX/XXXX I received a notice today on my XXXX report of a missed or late payment on my account. 
1. I was on automatic payments, how can that be possible?

2. The payment in question is either the XXXX cent charge which I paid manually but it was set for automatic payments. 
I have spoken to multiple reps saying this would be taken care of as it was an upgrade mistake. 
XXXX. Or the XXXX cent due now that I can't even try to pay because it won't let me it says no payment due. Though still set up for automatic payments. 
Kindly correct my credit score. I made a lump sum payment and expected the rest to be paid automatically. Obviously this did not happen. I do not want to open a major dispute but this needs to be corrected. 

From upgrade to me -XX/XX/2021 Thank you for contacting Upgrade regarding your credit reporting dispute. 
We carefully reviewed the details of your claim and found that your account was reported past due incorrectly. We have taken the necessary steps to correct our internal records. 
On XX/XX/2021, we submitted a correction request to XXXX, XXXX, and XXXX. Please be advised that it may take 30 to 60 days for the correction to be reflected on your credit report. 
Thank you again for providing us this opportunity to correct your credit report. 
Please do not hesitate to contact us if we can be of any further assistance. 

Fro me to upgrade - XX/XX/XXXX I just received another credit update that says I have not had 100 % on time payments. 
Why is that? 
The loan is paid off. I wan never late and you even agreed and took care of it. 
This is really bad business and I would like it fixed and all ties cut. 
I should NOT have to go through this not to mention AGAIN!! 
Please correct this again, as soon as possible.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, my credit was run in order to be approved to refinance my house, I was told that I had a 30 days late reported by Macy 's XXXX XXXX card, ( XXXX ). The charge in dispute is a {$23.00} made in XX/XX/XXXX. I did not made this purchase, I called Macy 's customer service, an operator by the name of XXXX answer the phone and promised me the following, order a new Macy XXXX XXXX XXXX Card, refund the {$23.00} back to my account and start an investigation that would result in removing the 30 days late from the bureaus. The first two promises were kept but the investigation, according to XXXX on a subsequent call made today, was not started. She mention that I hadn't file a complaint with their " Fraud Department '' myself. I was told by her that she was going to start all 3 process she promised. Finally I spoke to XXXX at the " Fraud Department '', who mentioned that there was an investigation on the way but not finished, I could take up to 3 months to finish. Until then they would report the Credit Bureaus, if the dispute was declare valid. I am being affected by this mistake and the time they take to resolve it. I am requesting your help on getting an answer from Macy 's. 


Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 602 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
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax had deleted an account with a company ( XXXX XXXX ) and sent me another credit report. They also said that they took steps to where this account would not be put back on my credit profile and now it is back on my Equifax credit report. I sent them a copy of the report after the investigation stating that they deleted the account and took steps so it would not reappear. The strange thing is that they have a total different address for this company than XXXX or XXXX which makes me feel that something isn't right.I would like to ask for your help in resolving this issue please? Thank you very much and XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOAN 1. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Personal information incorrect

letters were sent to equifax, XXXX, and XXXX with no response
Complaint sub-issue: Other problem getting your report or credit score

I contacted the Equifax office of consumer affairs on XX/XX/XXXX to request a copy of my credit file. I was advised that someone would contact me. I did not hear back from anyone so I contacted them again on XX/XX/XXXX. Once again I was told that someone ( the person handling my file ) would have to contact me back. I contacted them again on XX/XX/XXXX and was finally told by a representative that they would send the report out to me.
Complaint sub-issue: Other problem getting your report or credit score

I'm concerned that the freeze on my credit report ( or my credit itself ) has been compromised. When I attempted to access my credit report online and was asked about recent accounts ( which I didn't open ), I was told that the information I entered was wrong. I assume that means that there are loans/cards that someone else opened in my name. Can you help me? All three credit bureaus acted like I was a criminal for trying to understand what was going on. 

I finally got through to the FTC, but it was a series of " press this button '' and " I can not understand what you said. '' Please help me.
Complaint sub-issue: Account status incorrect

On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts.

1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report.

According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.
Complaint sub-issue: Information belongs to someone else

I have sent out letters every month since last year about the same accounts that are listed on my credit report that shouldn't be listed. I have sent them all certified mail. All credit bureaus have ignored my request to simply investigate the accounts they have listed on my credit report inaccurately.
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit Companies are not complying in their own policies in a timely manner
Complaint sub-issue: Banking errors

On XX/XX/XXXX I spoke to a US Bank representative by calling theXXXX number listed on their website. XXXX the representative that I spoke to said that I qualified for the XXXX  dollar sign-up bonus. 

When signing up I had used the promo codeXXXX. XXXX verified that my account was eligible and that the direct deposit made on XX/XX/XXXX and XX/XX/XXXX would qualify for the bonus. She said that I didn't have to worry and it would post to my account within 60 days from the XX/XX/XXXX date. She told me the XXXX direct deposit on XX/XX/XXXX and the XXXX direct deposit on XX/XX/XXXX qualified me. 

On XX/XX/XXXX, I called in and was checking the progress of my bonus. I spoke to a nice associate who told me that the direct deposits I made were not eligible even though I was told by an associate on XX/XX/XXXX that my account had qualified. She transfered me to her manager. Who to be honest had very bad phone quality ( teleworking ). She then told me the bonus wasn't awarded because it was for only new customers. This in itself is an outright lie since the terms clearly state " Offer is not valid if you or any signer on the account has an existingU.S. Bankconsumer checking account, had aU.S. Bankconsumer checking account in the last six  months or received otherU.S. Bankbonus offers within the past 12 months. '' I am not in violation of this since my last US Bank account was closed on XX/XX/XXXX. XXXX or XXXX, I couldn't quite catch her name directly lied to me and was very aggressive when I told her that I was correctly following the terms and conditions and this was a legal issue and I would raise it with the Consumer Financial ProtectionBureau. 

If I was in fact not eligible I should have been directly told this on the first phone call on XX/XX/XXXX. Because I was misled on the phone call I believe that US Bank should act in good faith. All calls are recorded and I request that you review them. I believe at this time US Bank has acted in a bait and switch scenario. Please review this calls to train your customer service representatives and make sure they are educated correctly. Your customer service manager should not be spouting direct lies about qualifications.
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2020 - placed order to XXXX  XXXX - {$230.00} Received wrong part - unable to secure return info XX/XX/2020 Filed dispute with XXXX XXXX - provided conditional credit XX/XX/2020 Parts direct said they had not received return ( I awaited return instructions, and XXXX reversed credit. 
XX/XX/2020 Part received back at XXXX  XXXX  - XX/XX/2020 XXXX  XXXX  issue credit for {$220.00} - XX/XX/2020 XXXX bank says they did not receive credit and XXXX  XXXX  says their transaction detail states the credit went through XX/XX/2020 XXXX says to contact XXXX  XXXX  to issue new credit and XXXX  XXXX  says they can not because this account has come to " XXXX  '' due to charge and credit back.
Complaint sub-issue: Account status

Hello My name is XXXX XXXX I have XXXXitems that have been removed from Equifax Credit report my Equifax credit score report is only reporting XXXX removed this is error all XXXX items that have been removed should be reflecting on my Equifax Credit Score not just XXXX .I 'm in the process of buying a home and ca n't because Equifax is n't reporting these items this needs to be fixed as soon as possible. 

Thanks XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

This is my formal complaint that the credit Bureaus ( Equifax, XXXX and XXXX ) are reporting an inaccurate and incomplete information on my credit report. In accordance with the fair credit reporting act XX/XX/XXXXaccount # below has violated my rights.These account notation of the following late payments is inaccurate. I have never been late. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC SC1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open in consumer credit plan as late for purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly lates on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) These student loans were deferred and consolidated and therefore should not be reporting on my credit report. I have contacted the ( 3 ) bureaus to remove this item, however I was unsuccessful. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 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 5 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 item of information contained in my file at Equifax is 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I sent a letter in regards to inaccurate items on my credit report. It has been well over 60 days and I have not received a response. I am being taken advantage of and my disputes are being totally ignored. In section 611 ( a ) of the FCRA, it plainly states that a failure to investigate these items within 30 days must result in a removal of the items from my credit report. It has been well over 30 days. It has been well over 60 days so they should be removed promptly. I demand these accounts be deleted immediately or I will be forced to file for litigation due to the stressed this matter has caused me. My information was also impacted by the Equifax data breach of XXXX, and my information could have possibly gotten into the wrong hands.
Complaint sub-issue: Old information reappears or never goes away

These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.
Complaint sub-issue: Old information reappears or never goes away

They keep reporting old debt that cant be verified by the collection agencies that are reporting the debt. I have asked both the companies they are reporting. Over the phone to please email or mail me paperwork verification that the debt is my. No response this debt continue to pop up from different companies every fees years. Same thing no paperwork. How can this continue to happen to people. I have disputed from the company, they come back every they have what they need. Can they show how they proving its right.