Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act.  The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of  an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive  marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

my credit profile that is on this consumer credit report still contains misrepresentations, after numerous attempts at asking them cordially to correct my consumer credit report information. 
I also ask that all inquiries be deleted from my credit report as it is proof of a consumer privacy violation, be removed from my report. 
there is an collections account that just made its way on to my consumer credit ( my reputation ) and it is damaging my livilihood. I have been denied credit already because of the fraudulent negative information on my Equifax consumer credit report. 
Equifax has also infringed on my right to consumer privacy by publishing information that it has sourced from other sources and graded me on the things they have found. 

the collection account on my Equifax report goes by the name of XXXX XXXX XXXX, apparently there is a open balance of XXXX, which is another violation of my consumer privacy. pursuant to the United States Code.

I have sent 4 letters to Equifax this is the final letter that I am sending. Should the corporation not understand that is has willingingly and knowingly violated my rights and compensate me accordingly I will have to make the attorney gen
eral aware of their fraudulent practices and help them pursue criminal liability pursuant to 15 USC 1611.
Complaint sub-issue: Account information incorrect

My credit report was checked today, XX/XX/22, and it is showing an inaccurate history of 10 late payments on my report. There should not be any late payments shown on my account. Please assist in resolving this issue
Complaint sub-issue: Information belongs to someone else

I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in    XXXX   XXXX   XXXX   and  my dispute case disappeared. I disputed  again in   XXXX   XXXX   and th is company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  has investigated and removed this right away.
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I received an alert stating I C systems has placed an collections account on my credit report seeking XXXX for an XXXX XXXX XXXX account that was opened on XX/XX/2021. I've sent several letters requesting the account be verified with a contract bearing my signature, a copy of my drivers license and any other legal documents proving the account belonged to me and not a bill. at this time they've failed to respond.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/2019, {$2000.00} charged off accounts with XXXX balance and 1099 sent to irs, now changed XXXX/bestbuy ( old account owner to charge off when at the time it was not a charge off just a transfer to new company bestbuy/cbna )  now they are double posting, restated that it was a new debt and changing information to ruin my credit. This is an old debt as well. I want the XXXX/bestbuy transferred account removed from my credit as you can not double post the same debt. They are also reporting that it is a current credit card with balances suddenly. XXXX  is constantly down and not allowing reporting these errors and previous XXXX credit fixes stayed pending.
Complaint sub-issue: Their investigation did not fix an error on your report

The account and monthly amount of {$390.00} was paid in full and on time. In addition to this it has been paid in full and satisfied in a timely manner. Much Appreciated!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Companies Involved : XXXX Equifax Dispute : " XXXXXXXX XXXX XXXX '' : {$170.00} balance While XXXX has removed this collection notice, Equifax and XXXX services have not. Additional disputes have been unsatisfactory as both online and telephone services are non-functional. 

This collection needs to be removed as I moved out of XXXX in early 2021, after having just graduated ( spring ). This was immediate, as in significantly earlier than my lease end date, thus ending energy usage prematurely ( close account requests ). Bills are dated for much later ( summer/fall ), with fees, that XXXX has already stated does not exist under their agreement with Ohio lawmakers . 

Originally I was going to submit a small claims against " XXXXXXXX XXXX XXXX '' but I can not ( temporarily ) at this current time due to the realization that they don't have a registered agent or conduct business in my home state ( New Jersey ). As recommended I will however consider this CFPB complaint as the two separate arbitration proceedings against Equifax and XXXX. After an appropriate amount of time, I will file a claim at my local courthouse.
Complaint sub-issue: Information belongs to someone else

I have no knowledge of an account appearing on my XXXX credit report. Citibank XXXX shows a Balance/charge off {$660.00}. This is not my account and have never given anyone my permission or the authority to add me to their account as an authorized user.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Hi on XX/XX/XXXX I made an XXXX orXXXX filler purchase and then after I was lied to by the cashier I then had to pay out of my pocket cash I'm mortified that I continue to be lied to for no reason complaint number XXXX person who took my complaint if number I believe XXXX If they reverse the numbers that's what they do but I wouldn't waste time lieing.. 
My card ends with XXXX This is a XXXX XXXX XXXX from social security the bank there with is commerica
Complaint sub-issue: Was not notified of investigation status or results

I have no idea about these accounts. I disputed them to the credit bureaus and didn't get any response at all. XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX Account # : XXXX -- XXXX XX/XX/21
Complaint sub-issue: Investigation took more than 30 days

Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.
Complaint sub-issue: Reporting company used your report improperly

There is someone using my credit information to apply for multiple credit lines and it is placing hard inquiries on my credit report. 
These inquires do not belong to me ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX rXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

In XX/XX/XXXX to XX/XX/XXXX, I was contacted by Hunter Warfield Collection  agency regarding payment to XXXX XXXX XXXX for apartment that I did not live in. They keep calling and sending notifications to my personal home for a balance of {$9300.00}. 

I told them that this is not my debt and this debt belongs to XXXX XXXX who lived there. I did co-signed for her to get an apartment in XXXX ; however, due to safety and security so she told me that she provided the rental office a letter of her leaving the apartment three months before it was up. 

I asked them just on this past Tuesday, XX/XX/XXXX to not to call me and if this is amount that you say I owe, please provide the documents that XXXX XXXX XXXX has sent you for it does not amount to what you are saying. 

I have documentation from the person that was living there and she stated that this is not my debt and that she sent a check of in the amount of {$1400.00} on XX/XX/XXXX for which it was notarized to a debt amount of {$9000.00} with a settlement amount of {$4400.00}. 

What can I do to get this off my credit report for All 3 bureaus? Plus for the state of Maryland statue limitation is 3 years. It is more than 3 years since XXXX.
Complaint sub-issue: Investigation took more than 30 days

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago. The investigation took longer than 50 days. This is a direct VIOLATION of FAIR CREDIT REPORTING ACT SECTION 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 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 ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wengerv. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all FRADULENT accounts as I have no knowledge of these accounts due to the Equifax Data BreachXXXX Identity Theft. All is being investigated by the FTC. 
I am also keeping the companies listed below informed of your willful noncompliance. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reached out to several financial institutions who have told me they are unable to identify reasons for credit inquiries however they also advise me that only the credit bureaus can remove the inquiries. As follow up I have disputed the inquiries with the credit bureaus with no success in having the unknown inquiries removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked and proven to this companies that this is a public record and against my rights to publish on my credit reports if it is mine or not. I have contacted courts and they have sent me a letter stating the same. Still have not removed off my report
Complaint sub-issue: Debt was paid

Had account with XXXX. Paid my bill every month. 6 months ( XXXX to XXXX ) after opening account, utility co sends bill for {$940.00}. When I called they claimed they did n't read my meter properly because they could n't get to it and this was the " back bill ''. Strange thing is, they turned my gas off due to potential leak the week prior to receiving this bill because the meter reader said the meter was acting weird which tells me they obviously had access. Meter was on side of house in front, no gates/dogs/other obstacles. When I called and explained this, the customer service rep told me ( exactly ) " well, you must have moved your fence recently ''. Instead of acknowledging their error, they accused me of basically relocating my fence lines to inhabit access and then moving them back, which due to the yard set up would have been physically impossible. Gas bills typically run approx {$60.00} a month. Not only did I pay between $ XXXX each month, they are trying to tell me my gas bill was really an extra {$150.00} a month which is n't feasible. We left at XXXX every day and came home around XXXX. Did n't run the wall heater, only used electric heaters and rarely cooked because the oven did n't work and the stove was sketchy. I spoke to neighbors ( who would have been even more difficult to reach due to the dirt road further down in winter ) who used their gas all day every day with fireplaces, heaters, ect and they all vouched for never seeing a bill over {$100.00} and that was worst case scenario. The gas company has refused from the beginning to provide any sort of proof/documentation after repeated asking. They refuse to send me back receipts of all my paid bills. There is no possible way my gas bill was anywhere near {$200.00} a month. They insist they did n't have access ( because I apparently like randomly picking up my fence and moving it around I guess ) even though they proved they did when the meter reader shut off the gas due to a glitch on the meter. As far as I am concerned, my bills were paid, I cut them a payment every month for what they billed me for, I do n't owe them a dime more. This collection account is pure fraud. They are trying to collect money not owed to them, they know it 's not owed and that 's why they ca n't provide a single shred of legitimate documentation and refuse to provide me with a full disclosure on every bill sent to me and the payments made. When a company attempts to accuse you of manipulating landscaping and bully you instead of providing the information requested, they know they are wrong. I have disputed this through the credit bureaus numerous times and have gotten nowhere. I 'm tired of seeing this fraudulent charge on my report and having to explain this ridiculousness every time I go to get a car or rent a house. This collection company has either been totally duped by XXXX or they are even more crooked then the utility company by continuing to collect on a false debt.
Complaint sub-issue: Debt is not yours

Hi, My name is XXXX XXXX. I live in Florida. I had a small grocery store in XX/XX/XXXX. For the credit card transaction I call the XXXX XXXX XXXX. This is a credit card processing company. After the contact they provide me a free credit card terminal ( XXXX  XXXX. Market value of this terminal around {$150.00} ). Its free for me as long I want to use their service. If not, I have to return them this terminal. I make business with them almost one and half years with no issue. In XX/XX/XXXX hurricane Erma came in Florida. And I get suffered very badly from hurricane Erma. The all city was out of power more than 10 days. So my business was closed more than 10 days. When power came back, I open my store and I saw my was totally empty. Some guys broke my store from back side and they stolen all Cigerates, beers, wines, sodas, juice, milk, candys, computer, laptop, all the groceries and valuables things. They also stolen that credit card terminal too. First I call the police for make a police report. Then I call the credit card processing company XXXX XXXX XXXX and splaying them what happens to my store and the terminal was stolen. They told me dont worry, we going to takecare of that. After that they never contracted with me. 7 months later suddenly I get a letter from a collection agency ( name : - Capstone Financial Management ). They try to say that I have pay {$3100.00} for the stolen terminal. I asked them the terminal market value is around {$150.00}. Why I have to pay {$3100.00}? They cant give me right answers. They told me, they gon na talk to XXXX XXXX XXXX and then let me know. They never call me back. I talk to XXXX XXXX XXXX, they told me they gave me 3 terminal and they gon na charge me {$1000.00} for each terminal. This is not true. They totally wrong, false, and lies. They never gave me more than one terminal. They are trying to charge me illegally. This is a bad company and they are doing fraud me.
Complaint sub-issue: Account status incorrect

XXXX XXXX is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.
Complaint sub-issue: Public record

I paid an account off to the collection agency, XXXX XXXX XXXX ( for the XXXX account ) in XXXX, 2015. After 30 days I had n't gotten a " paid in full letter '' from them so I contacted them. They sent me the letter but, to this date, the judgement still appears on my credit report, as well as the amount showing as still owed and not paid. I will write a letter to XXXX and Equifax about this matter but would appreciate any help expediting this process. 

Thank you ... XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

Citibank credit card XX/XX/XXXX XXXX XXXX XXXX NY {$1200.00} XX/XX/XXXX XXXX XXXX XXXX NY {$56.00} I was on vacation in XXXX from XX/XX/XXXX to XX/XX/XXXX and I had this credit card with me. On XX/XX/XXXX I saw 2 charges that I did not recognize, I contacted citibank via online chat since I could not call while out of the country, they told me to call customer service when I got back to file a fraud dispute. After I filed the dispute, they told me to wait 3 billing cycles, I did not receive any information/requests from them during this time. I called back in XXXX to check on the status of this dispute and they told me that the case was closed and I had to pay for these charges because the card was in my possession and the emv chip was used. The representative also told me that I was mailed a new card in XXXX but I never received it. I offered to send me a copy of my flight confirmation and sent it to a email that they provided. They reopened the case and told me to wait 1-2 billing cycles but I heard nothing from them until I called today XX/XX/XXXX to check on the status again. The representative told me that the case was closed again and provided me the same response that the emv chip was used so they determined that I used the card, which I don't understand since I was not even in the US at the time. I can provide the flight confirmation again but I'm not sure if I should do it on the website since it says do not include personal information.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Wisely pay by adp refused to help me resolve the issue on my account regarding transfers that was unauthorized to be made out of my account while I was in a comma. I immediately contacted them and instead of helping me by giving my money back they ended up closing my account and none of my funds of XXXX dollars was retrieved. 

I contacted wisely in XXXX of XXXX about the transfers out of my account. The transfers was made XX/XX/XXXX- XX/XX/XXXX while I was in a comma from a bad wreck and I was battling XXXX! I thought my money was fdic insured but I have received no protection. 

My name is XXXX XXXX I was born XX/XX/XXXX Last XXXX of ssn XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. Is reporting on my credit report and I do not have an account with them. I called the number listed and tried to get information from the website. the phone numbers and website are both invalid.
Complaint sub-issue: Reporting company used your report improperly

The recent Equifax security breach has put myself and millions of others at risk. Their negligence has cost me time, security, money, and peace of mind. Not even freezing my credit is enough to protect me. This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

In addition, very little was done to notify the public for nearly a month after the breach. No email, letter, or phone call was sent out and instead I found out about it via social media. Equifax handled reporting this breach very unprofessionally.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.
Complaint sub-issue: Information belongs to someone else

The following accounts are not mine. The have not been verified I contacted XXXX XXXX and they don't have record of these accounts for me. 

XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Please remove all accounts listed my information was compromised in a Data Breach.,, XXXX  : XXXX, XXXX