Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2020 I have been constantly disputing several car dealership inquiries. I have called, written letters and completed online disputes. 
I have included a picture of the dealerships that I NEVER visited or authorized a credit pull. These must belong to someone that has a similar name. I remember contacting the 3 bureaus because they had the wrong SSN on my reports. All they did was remove it under personal information but never removed the inquiries that did not belong there possibly with this incorrect social Security number. Now I will never know if that incorrect Social Security number belongs to those unauthorized inquiries. Please find the attached picture where I have circled the unauthorized inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have US Bank Reliacard Debit Card XXXX provided by PA Unemployment Compensation Program. When I checked the balance on XX/XX/2020, I found fraudulent transactions for the transactions {$1500.00} and {$200.00} on XX/XX/2020 and {$1500.00} on XX/XX/2020. I have not done. Informed the US Bank about the issue. Also filed complaint with local law enforcement. US Bank arbitrarily determined those are undisputable transaction and closed the complaint. Further, despite providing my selfie and government issued ID, I am unable to activate or use my new debit card issued after the dispute was filed. My online access was also compromised by identity thieve who used similar email account. US Bank Reliacard Debit Card service closed the fraudulent transaction case and did not provide the information and reasons and documentations in order for the customer to follow up law enforcement and attorneys. Further US Bank Reliacard Service thwarted activation and access to online account. Request herewith CFPB assistance to secure card activation, account access and recovery of lost funds.
Complaint sub-issue: Debt resulted from identity theft

i am a victim of identity theft and someone open and bill for XXXX in my name. i have sent the police report to this company for proof that the account isnt mine and it is still on my credit report
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Under the California Consumer Privacy Act ( CCPA ), a California state law, I am entitled to find out what personal information Equifax has on me, to prevent their sale of such information to other parties, to have my personal information deleted, etc. Here is a summary of the California law : https :  //oag.ca.gov/news/press-releases/attorney-general-becerra-issues-advisory-outlining-new-data-privacy-rights Which states : CCPA grants new rights to California consumers Right to know Consumers may request that businesses disclose what personal information is collected, used, shared or sold by the business, in both categories and specific pieces of information ; Right to delete Consumers may request that a business delete the consumers personal information held by both the business and by extension, the businesss service providers ; Right to opt-out Consumers may direct a business to cease the sale of the consumers personal information. As required by the law, businesses must provide a Do Not Sell information link on their websites or mobile apps ; Rights for minors regarding opt-in consent Children under the age of XXXX must provide opt-in consent, with a parent or guardian consenting for children under XXXX ; and Right to non-discrimination Businesses may not discriminate against consumers in terms of price or service when a consumer exercises a privacy right under CCPA. 

I attempted to accomplish this by telephone but was not successful, they refused to accommodate my request. I spoke with XXXX who refused to identify his last name but said that he was their supervisor at XXXX. Equifax was evasive and nonresponsive to my legal requests. Equifax wanted me to answer various truly inane questions such as : 1. To provide a compilation of my closed credit card accounts. 

2. To provide the minimum monthly payments required for various accounts. 

3. To confirm/deny that my grown adult child owns real estate in another state. My child does not live with me and I have no idea if they own real estate in another state. 
This is immaterial to my legal request under California law. 

This is absurd. They don't need me to research all of that data to obtain my rights under California Law. I need assistance in pursuing this issue to satisfactory resolution. Equifax continues to be evasive and nonresponsive to my legal and legitimate requests.
Complaint sub-issue: Old information reappears or never goes away

I have completed numerous disputes with Equifax in regards to my XXXX XXXX XXXX and pay XXXX accounts. I sent all information that they requested because it was fraud. XXXX and XXXX both removed items. Equifax removed the items then placed it back. Not to mention they are repeatedly showing XXXX as a open delinquent account.
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, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance {$150.00}, XXXX XXXX XXXX Balance {$430.00}, XXXX XXXX XXXXXXXX Balance : {$720.00}, XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00}, XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$260.00}, XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$180.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report. I am demanding that the fraudulent charges and inquiries be blocked and removed.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 ar purpose.
Complaint sub-issue: Can't use card to make purchases

Dear Discovercard I'm so disappointed with your services Until now, I can't use my credit card. 


Once again, I have a balance of almost 250 dollars but you're constantly declining my credit card even I cant get cash from it. 
Last week I tried to get cash using my pin in a XXXX  XXXX cashier but was declined You sent me a form with verification of my personal info, I'd already signed but it's so frustrating this situation.On last week. 

On XX/XX/XXXX I sent a pay from my XXXX  XXXX XXXX account to my discover card of XXXX dollars..but until now I cant use my discover card I'm going to send a demand to you using the CFPB today if you ASAP don't free my money to use it What frustrates
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act., as well as the 15 US C 1681a ( 2 ) ( B ) I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Didn't receive terms that were advertised

Opened a checking account on XX/XX/XXXX with a {$300.00} sign up bonus. Met the terms of the bonus and never received the {$300.00}. I've called US Bank 16 times over the last 3 months and spoken to 7 managers. They ALL agreed that I met the requirements of the sign up bonus but said there was nothing they could do to help and no further way to escalate the issue. 
I've recorded most of the phone calls including the one where I opened the account with a US Bank representative over the phone.
Complaint sub-issue: Debt is not yours

With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.
Complaint sub-issue: Reporting company used your report improperly

This incident is regarding a purchase made at XXXX in the XXXX XXXX in XXXX, CA around on XX/XX/2020 around XXXX. Upon making my purchase the cashier asked me if I was interested in opening a store credit card to get 20 % off and I politely decline. She asked if I was interested in promotional offers and coupons and asked to see my drivers license. I agree and she takes my information down and asks me to answer the questions on the pad. I clarify, this isnt for a store card, right? She says no. As Im putting in my social and income, I get concerned and state that I would like to just do a traditional credit card purchase with no promotions or coupons and she cancels the transaction. Around 4 hours later, I receive an alert from XXXX that Macys did a hard inquiry credit pull and my score decreased 6 points. I return to Macys that same day around 4 hours later explain to the manager ( XXXX XXXX ) what happened and she explains that I should have received a different receipt but will contact me after looking into the problem. Today, on XXXX XXXX I hear back from the same manager and is informed that she essentially does not know how that happened. I explain that on my XXXX account, Macys is the listed company to who pulled it and I did not give anyone any authorization to pull my credit. I feel as if my problem was not fixed and my credit was unethically and illegally attained. I did not authorize that credit transaction. 

The purchase was in the amount of {$210.00} for a XXXX XXXX handbag.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account number : 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
Complaint sub-issue: Attempted to collect wrong amount

As previously submitted, PNC is pretending that the options they gave me to deal with an outstanding XXXX loan were legitimate. When they, in fact, XXXX represent unlawful advice as they do not represent me in a fiduciary function. The neglected to act in a manner consistent with the purpose of XXXX loans and forced me to repay an amount that would later have been forgiven had they followed guidance from XXXX.
Complaint sub-issue: Reporting company used your report improperly

The attached account were created without my knowledge and i would like them to be permanently deleted
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my personal credit report, which I acquired from XXXX. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. As it states on my Equifax on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX, on XX/XX/XXXX there was an unauthorized inquiry for XXXX, and on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX XXXX  XXXX. As it states on my XXXX  credit report on XX/XX/XXXX there is an unauthorized inquiry from XXXX and another from this same creditor on XX/XX/XXXX, and on XX/XX/XXXX there is an unverified and unauthorized inquiry from XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

This is an EMERGENCY dispute.This needs to be reviewed by a human, and a supervisor immediately..This is a new dispute that will also touch on other violations that is in need of immediate viewing by the staff at XXXXThis is not a duplicate dispute as claimed by the collection agency XXXX XXXX XXXX XXXX do to their immediate actions today to conceal this dispute against them recently in a manner that is profoundly concerning and I feel others may becoming a victim or have been to this behavior and other actions by them -. I chose the closest descriptors to this complaint as the cfpb does not have an option for me to chose coercion against me in a personalized letter to me which is a direct violation of the rules, regulations, laws, ethics and federal agencies as a part here of, have pledged to do after creditors or collection agencies or furnisher that uses any form of communication including, and specifically addressing coercion as one of the most serious violations that a collector could engage and willfully cast upon anyone that has a collection with the so called collectors Company Furthermore, today The same company, XXXX XXXX XXXX, witted themselves in a clever process of spamming replies to CFPB and apparently tagging all responses as duplicates to other complaints that they fell short of, did not resolve, and has not provided one satisfactory resolve to the amount of disputes filed against them - it seems to me that XXXX XXXX XXXX have cleverly learned how to manipulate this dispute process with CFPB as they have for years with the credit bureaus and I have proof that they have perjured themselves many times by supposedly validating the two medical bills in question on my report for years with all three of the major Credit bureaus, according to their many responses to me, but they admittedly told you in a previous complaint that they did not have ang validation documents and they would get in touch with their client the original client and have them send me that informationand guess what- they didnt, but they did send me a letter with content that was wrong, threatening by coercion withs regards to me filing disputes which by the way were all ethical and permitted by law, and now we are bringing to your attention their act of misuse of this CFPB And mountains of proof, I am filing this with CFPB and if the FTC and if this is not addressed immediately I am reporting them to the FBI for the many many issues and their reporting of - to my credit account. I have been more then lenient but the behavior of that company is appealing and is making a mockery out of this entire system and violating my civil rights along the way with no remorse or contribution to the ongoing damages upon me.
Complaint sub-issue: Problem with personal statement of dispute

I have received a response from Equifax reporting agency stating that unverified information is accurate and will continue to report information after it was updated. According to the FAIR CREDIT REPORTING ACT 15 USC 1681-1681 which is a federal law, all unverified information must be deleted. All third party debt collectors has to show proof that the debt was actually agreed upon, basically having to show an legal agreement and not a copy of an agreement that was with the actual creditor. If unverified information remains on my report without legal proof of agreement from the third party can result to legal action against Equifax for reporting illegal information on my report under federal law. This demand also goes for XXXX and XXXX as well. 
I demand a reinvestigation of unverified accounts under federal law. 
XXXX 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: Card was charged for something you did not purchase with the card

On XX/XX/2017 I purchased the rental of a car in XXXX through XXXX, a popular rental website. The total amount for the rental was {$75.00} USD for the dates of XX/XX/XXXX to XX/XX/XXXX. After my return to US I noticed a charge on my Citi Double Cash credit card with the date of XX/XX/XXXX for a total amount of {$530.00}. I presented a dispute for the charge, and after a few days I was informed that the merchant presented evidence of my acceptance of the mentioned charge. The document presented by the merchant ( supposedly signed by me ) was partially in XXXX, blurry, with values in XXXX XXXX, and extremely unreadable. However, Citi Bank decided to rule in favor of the Merchant, XXXX XXXX XXXX   XXXX. After contacting Citi multiple times via XXXX and phone they still insist that there's nothing they can do, even when the evidence is overwhelming on my favor.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

My vehicle was repossessed on XX/XX/22. I called them to get the balance I needed to pay in order to get the car back they told me I needed to do a quick collect payment or pay at branch. There are no branches near me and no one does quick collect payments near me. I paid XXXX via check free pay on XX/XX/22. I verified with check free pay that my payment was delivered and now it is XX/XX/22 and they still cant find my payment and are refusing to release the vehicle even after I sent in receipts. This is affecting my life in a negative way and this is fraud as they have almost XXXX dollars and are refusing to help me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting incorrectly to Equifax ; XXXX and XXXX a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item from my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

Currently having my wages garnished without due process. Collection agency, FMS did not send any notices prior to sending my employer the " Wage garnishment order ''. When calling FMS to verify, they told me the notices were sent to an address I lived at ten years ago! The company requested information ( which I faxed, with proof  ) t o verify my demographic info : Lease, driver 's license, proof of mail, bill statements, etc. Only for them to say, " they did not get the fax '', a month later. Called to request the debt validation information as well as my 30 day notice of wage garnishment from FMS. Spoke with "  XXXX   XXXX  '' of FMS who refused to send me copies of those letters. He refused and was no help. Stating that the demographic information was given by the  Dept of Education . Then I called the department of education who claimed they 've been sending letters to the old address as well! My address has always been updated. Even if they 've managed to find my employer.
Complaint sub-issue: Account terms

EQUIFAX REFUSES TO ACKNOWLEDGE THE TERMS ASSOCIATED WITH MY ACCOUNT WITH XXXX XXXX XXXX. I HAD AN HIGH BALANCE OF {$3000.00}, WHILE EQUIFAX IS REPORTING {$3900.00}. THEY ARE REPORTING MONTHLY PAYMENTS OF $ XXXX MONTHLY WHILE I HAVE SUBMITTED BANK STATEMENTS REFLECTING {$170.00} A MONTH DRAFT PAYMENTS TO XXXX. I HAVE TRIED UNSUCCESSFULLY TO GET EQUIFAX TO REPORT TRUE AND ACCURATE CREDIT INFORMATION AND NOW APPEALING TO YOUR OFFICE TO HAVE EQUIFAX TO REPORT TRUE AND ACCURATE INFORMATION. MY CREDIT TERMS ARE 24 MONTHS ZERO INTEREST, EQUIFAX IS REPORTING 31 MONTHS
Complaint sub-issue: Information belongs to someone else

student loan with XXXX XXXX reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I keep getting on again off again calls from Rent Recovery. Rent recovery was discharged in my bankruptcy XX/XX/XXXX. I get calls telling me to pay my bill and that I need to learn how to pay bills from irate people from rent recovery. I was told if I keep being harassed I can sue this company for 10 times the amount they say I owe once bankruptcy has been discharged if I keep getting calls or they try to open up new collections on my credit report. Rent recovery opened a new collections on my credit report XX/XX/XXXX. and this has prevented me from getting a home or apartment. I am recovering from a XXXX and can not be XXXX at any level and this company is a XXXX threat to me. I have sent letter to company asking them to remove themselves from my credit reports and no reply by.
Complaint sub-issue: Their investigation did not fix an error on your report

I forwarded a letter to the Equifax and XXXX Credit Bureaus dated XX/XX/2022 to delete these pieces of erroneous information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account status incorrect

I have a late payment that I have been able to finnaly get reversed after two years of asking for them to reverse when it's my only late payment in 5 years and now for the last year I've been requesting it to be take. Off my credit report and it's still there which has caused loss of potential houses and loans
Complaint sub-issue: Having problems with customer service

I have contacted this company with letters in order to have them verify and validate this loan they allegedly I owe and have know knowledge of.