Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 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 an account without my written instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

Sent several certified letters to verify accounts that supposedly belong to them and they came back stating they investigated them but they couldnt have because none of these companies have not sent verification documentation to me. However, they did state they will not investigate anymore after I submitted certified proof. I feel like they have not done their job and violated my rights. The credit company nor the collection companies.
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 confidentially under 15 USC 1681. 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

After sending XXXX XXXX in Corporate services who claims to be a customer advocate volumes of evidence showing without a doubt that XXXX XXXX  a supposed dating service that I made purchases from does not run a legitimate or honest operation I have had nothing but excuses, refusal to communicate, and a very unprofessional level of effort made to resolve the obvious fact that I never received the services that were supposed to have been rendered! 

The one technicality that Discover tries to rely upon is that their policy of time passed since the dispute was made from the date of purchase. 1 ) If I had known at the time I was being scammed I would have notified them sooner! 2 ) There is no legal statute of limitations on criminal fraud! 3 ) All they do is tell me to work it out with a merchant who has already unmercifully defrauded me! 4 ) All I have gotten is an e-mail saying that they will investigate the matter while continuing to negatively report my credit status in violation of law which states that while in dispute there can be no such report! 
I am appalled at Discover 's lack of effort and ambivalence to their cardholders!
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX IS REPORTING THAT I PAID 50 % OF THE BILL IN COLLECTION. THEY SOLD ME A HOT SPOT DEVICE WHICH DID NOT WORK. THEY AGREED THAT I PAY {$120.00} IN FULL TO SETTLE THIS DISPUTE AND THEY WOULD NOT FILE ON MY CREDIT REPORT. MY PAYMENT WAS AGREED UPON AND PAID TO XXXX XXXX IN GOOD FAITH.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information, which puts me and hundreds of thousands of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution. 

Furthermore, there have been reports of insider trading ( XXXX XXXX XXXX ) by Equifax executives . I would like them prosecuted to the fullest extent that the law provides and their ill-gotten gains to be seized and redistributed for the benefit of national consumer protection.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX has unlawfully used illegal documents that were a HIPAA violation when they validated these two accounts they also unlawfully disclosed HIPAA violation materials to the consumer financial protection board in a dispute response thus for the second time unlawfully destroying illegal PHI of mind that is unlawful and against federal law and against federal HIPAA laws ; Accounts XXXX and XXXX, XXXX XXXX XXXX willfully and unlawfully disclose my personal PHI which is a HIPAA violation to the consumer financial protection board and a dispute response see attached documents.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Two charge-backs were opened on XX/XX/2019 against Merchant XXXXXXXX  XXXX XXXX ' because this company had engaged in fraud by selling us fraudulent XXXX contracts. We became aware of this in XX/XX/2019 and opened the dispute accordingly. These include Dispute # 's XXXX and XXXX. 

Discover Card is obligated to protect us from this sort of fraud, as it was opened within the two-year time frame. This is also not the first time Discover has failed to protect us as consumers. We are highly disappointed in the level of service we have received from Discover. We are considering withholding future payments on this card balance, since it contains charges that we regard as fraudulent.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; ACCTSRECVBLE ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; ACCTSRECVBLE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; AUTOMTD ACCT  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX ; ( Original Creditor : XXXX XXXX ) XXXX ;
Complaint sub-issue: Information belongs to someone else

Hi, I need you help! I have reached out to both of these companies in the past. I discussed mortgage lending options with them. They were not allowed to pull my credit report! But yet I not see that they DID inquire and pull my report. I was actually told that they WOULD NOT pull my credit report. This is why I was discussing a loan with them in detail with the understanding but was not ready to purchase yet. Tricky!!! 

I would these crooks inquiries removed permanently from my credit report ASAP. 

# 1 - XXXX XXXXXXXX XXXX # 2 - XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

As more information comes out about the Equifax breach, I am just so ... .angry because I can not help myself in this. We are expected to have credit in this country. We do not ask to be reported to Equifax - it is a term of the credit. And they have so little concern about our personal information. I would like them to be punished as much as is possible. They have put so many at risk - and they can not protect us now. Every citizen who has had their information leaked has to at the minimum take time and energy to protect themselves further. At the worst? Their credit is ruined for YEARS keeping them from prospering. It is very clear in this country no one cares about the little guy. Equifax sure does n't. I am hopeful you can use your office to protect those who have been put at risk with this.
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C 1681 I did not authorize anyone employed by these companies to make any inquiry and view my credit. this is a violation of the Fair Credit Reporting Act Section XXXX681b ( c ) and a serious breach of my privacy rights 15 U.S.C 1681 Section604 A Section2- it also states a consumers Reporting Agency can not Furnish a account without my written instructions XXXX ( XXXX XXXX XXXX, XXXX GA XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX Requested On XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX Via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. 
PERMISSIBLE PURPOSE : CREDIT TRANSACTION Requested On XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

Re : Black Friday Appliance Sales Event. I applied for a credit line in order to purchase a full four piece appliance package. The credit line and the order went through without ANY published terms, notice of credit line or financing. I received several emails in sequence, none of which said what my credit limit was or detailed what ( if any ) financing options I had been granted. The next day I received an email stating that my order had been placed on hold. Upon calling into customer service, I was told the order was cancelled. Customer service then transferred me to CitiBank where my credit line was increased to {$4000.00}. I have good-excellent credit, so I was surprised that it was such a meager amount. I called the Home Depot customer service again and the service rep helped me reconstruct my initial order. The customer service representatives were all friendly, polite and knowledgeable. The bottom-line is : the {$4000.00} credit line was not enough to purchase the appliance package that I was trying to purchase and Home Depot does not allow consumers to split payment on appliance purchases. If I put in two orders, I lost the Black Friday savings - totally not acceptable. This is low life corporate scamming. This is corporate bait and switch. Essentially, the offers are set-up to entice consumers into opening a credit line, a small credit line is granted without giving the customer a chance to review the terms. Now I am stuck with a credit pull on a credit line that was useless to me to begin with. I will be reporting to the credit bureaus. Shame on Home Depot and Citibank for their endless greed and trickery with the American people.
Complaint sub-issue: Debt was paid

This is the third time I have had a collection agency contact me regarding a debt I paid in XX/XX/2012. The original debt was with Citibank. I settled with them for an amount less than what was owed. My attorney worked with theirs for the settlement. I have reported this to the CFPB before, but it happened again. I don't know if this is some sort of fraud, or attempted fraud, or if Citibank did indeed sell the balance of what was originally owed to another company. This time I was contacted by XXXX XXXX or XXXX XXXX XXXX. XXXX. They had all the dates of when I opened the account, the amount originally due, etc. and the last 4 of the account # and the last 4 of my social. They told me the debt had been purchased by XXXX XXXX XXXX. I can't find either company online. I told them that I had paid the account and they told me that if I could provide the entire account number of the account ending in XXXX, they would make a note to stop collection attempts. She said it was a MasterCard. The rep I spoke to gave me her direct line so I could look for it and call her back, XXXX. When I went to look for the account number, I realized that the account ending in XXXX was my Citibank XXXX XXXX. I called her back and told her I would not give her the number and that it was an XXXX, not a MasterCard, and that I had a letter from Citibank dated XX/XX/XXXX ( from my last complaint to the CFPB ) stating that the account was settled and that Citibank has not sold the debt. She told me that she would " put a note in my file '' stating this and she wouldn't send her legal document server out to my place of employment. They had threatened this on a voicemail. I offered to email a copy of the letter and she said it wasn't necessary. That alone is strange. She is trying to collect a debt, but takes my word for it that I paid it already?
Complaint sub-issue: Investigation took more than 30 days

The CFPB own report shows that the agencies only solve 2 % of the disputes it receives. and the question is, are the agencies unwilling or incapable of handling these issues? 

Under the fair credit reporting act, my right has been violated. 
I have a right to privacy based on the law and I did not give written permission that any of the mentioned creditors in the case to share any information. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy Equifax had 30 days to investigate my mailed dispute. The dispute was mailed certified on XX/XX/22 and was received on XX/XX/22. I did not receive any response from Equifax. 

I have challenged factual inaccuracies and incomplete information on my file with Equifax. they did not respond in time according to the law. I have included tracks that they received the dispute. I have included the dispute itself. I have included a copy of a credit report to verify the inaccuracies. 

I also understand that Equifax will say that they do not compare their file to other XXXX but that is irrelevant when the consumer provides factual proof of reported inaccuracies. And the Credit reporting agency has an obligation to complete an investigation that is reasonable, that is according to 15 U.S. Code 1681i ( a ) 4 which states that the agency must consider and review all relevant information provided by the consumer. 

INcluded are the Full credit report to show factual inaccuracies, a copy of the original letter sent to Equifax that was received and proved by the attached certified mail receipt.
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

I borrowed a total of {$2500.00}, XX/XX/XXXX from CashCall.com. My account went to collections and I agreed to pay {$230.00} per month with XXXX XXXX for two years. In XX/XX/XXXX, my debit card was stolen and when I attempted to call the company to give them my new information, the phone number had been disconnected. Then, XX/XX/XXXX, I get a phone call from XXXX XXXX XXXX. They left me an automated message to tell me I was going to served a law suit within 24 hours between the hours of XXXX -- XXXX, and to have two forms of ID ready to accept the lawsuit. I panicked and called the number back ( I was at work ) and begged them to not serve the papers - I also gave them {$200.00} over the phone. After going back and forth with them throughout the day ( while at work ), they agreed that this wasn't my fault and that I only owe {$600.00}. This jeopardized my employment and gave me a lot of anxiety.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the credit bureaus and XXXX BANK XXXX XXXX to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Our new cards were sent by Citibank ( XXXX XXXX ) mailed to my home address XXXX XXXX XXXX, XXXX, VA XXXX and forwarded to my old address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, MO, XXXX. Below are all the charges : XXXX XXXX XXXX XXXX XXXX Charges : XX/XX/2022, XXXX XXXX XXXX XXXX, XXXX XXXX, KS for the amount of {$230.00} XX/XX/2022, QT XXXX, XXXX  XXXX, MO for the amount of {$11.00} XX/XX/2022, QT XXXX, XXXX  XXXX, MO for the amount of {$50.00} XX/XX/2022, The XXXX XXXX XXXX, XXXX XXXX, MO for the amount of {$12.00} XX/XX/2022, The XXXX XXXX XXXX, XXXX  XXXX, MO for the amount of {$12.00}
Complaint sub-issue: Frequent or repeated calls

Mutiple calls starting from the same number followed by mutiple calls by different numbers about twice a day. When answered, there is only silence and then a redirect to a machine. When called back, only machine amswer. It asks for an account number I couldn't possibly have and leaves no other identafiable information such as asking for my name or using the last 4 digits of my cell phone number or any other information. Website leads in circles and there is no way to recover any information to use to stop their calls or recover any type of information. Overall, it's just been an unidentifiable harasser over an unidentified issue with no possible resolution on my side.
Complaint sub-issue: Debt was result of identity theft

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Erc Opened XX/XX/XXXX + {$58.00} Original creditor : XXXX XXXX XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ERC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with a Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Account number XXXX XXXX XXXX XXXX was paid off in full on XXXX XXXX XXXX The credit bureaus in question knowingly placed late payment on this account on XXXX XXXX XXXX after receiving this information twice. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX Status charge off. 

This account XXXX XXXX XXXX XXXX XXXX  originated in XXXX.  It was reported to the bureaus as fraud in XXXX and XXXX with a police report. For some reason this account was updated and reported as late payments 29 times to the bureaus in XX/XX/XXXX thru XX/XX/XXXX after the account was already closed and charged off. I have tried to resolve these illegal " BILLING ERRORS '' in the last 36 months with the bureaus in question with no results. The bureaus in question have undeniably hurt my potential for a loan and lines of credit that I have applied for and they have violated my rights under these sections of 15 U.S.C 1681. 


15 USC 16 81 section 602a. States I have the right to privacy.

15 USC 16 81 section ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following item of information, any other adverse items of information, other than records convictions of a crimes which antedates the report by more than 7 years.

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