Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A fraudulent automobile dealer, ( XXXX XXXX in XXXX Ga ) charged my credit card despite not completing repairs properly. They held my car hostage and refused to return it unless I paid their ransom. I reported this fraud to Discover and they " Claimed to open an Investigation ''. However, they became a party to the fraud when they simply accepted some reciepts from XXXX XXXX with no explanation of the charges as justification of the charges. I expect XXXX XXXX AND Discover to make things right and return the XXXX to my account.
Complaint sub-issue: Debt is not yours

IC System, INC claims they are collecting a debt of {$340.00} for XXXX. XXXX can not produce any documentation with my signature that states I agreed to any two year contract terms with them to validate this debt. They state this is for an early termination fee yet have no signed documents from me stating that I agreed to a 2 year contract when they installed the equipment. IC Systems has no valid signed documentation from XXXX yet they continue to place the collection on my credit report.I have requested from IC System, INC on multiple occasions to either produce documentation with my signature and contract terms to validate the debt or to remove it from my credit report. They failed to do either of these things.
Complaint sub-issue: Debt was paid

I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.I currently in discussions with XXXX XXXX XXXX in regards to the remaining {$64.00} but the company has yet to return my calls. I have notified both companies in writing of my payment of this debt and my intend to fill a complaint.
Complaint sub-issue: Account information incorrect

Discover has stated to the credit bureaus for several months that my account was properly investigated and update but how is that possible if this about is reporting inaccurate high balance, inaccurate date of last activity, inaccurate payment history, and inaccurate last payment date. This is ground for removal. This also violate my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy
Complaint sub-issue: Account information incorrect

My student loans are still reporting with a balance and it should be reporting XXXX. They update my credit on the XXXX of XXXX saying I have a balance when in reality it showed that my balance is XXXX in their side. 

I reached out to them asking why they report that I still have a balance, and they said it does not show any balance. 

They also said that they update reports at the end of each month and sent me a letter stating it was paid. I sent this letter to the credit bureau disputing the current balances being reported, and they verified it as accurate. Why are they reporting that information was verified and it wasnt. If it was verified theyd report the loan as XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has not responded to numerous complaints about an error on my report. This has made it impossible for me get approved for a home in XXXX, where my family is. The loans on my report are double what I actually owe.
Complaint sub-issue: Old information reappears or never goes away

I am reaching out to discuss a reinsertion issue with Equifax. I disputed a XXXX Collections account on my consumer report due to it being inaccurate information and fraudulent because my information was shared without my consent. The account was deleted. I received a report from Equifax recently stating that the account was added back to my consumer report. This account was added back without notifying me which is a violation pursuant to 15 USC 1681i. Also, how are you all going to delete an account and then re-insert it? Furthermore, when assessing my other two consumer reports, Equifax is the only consumer reporting agency that has inaccurate information pertaining to this account. I have attached proper documentation for you to assess yourself. Per 15 USC 1681i, Equifax must report 100 % maximum possible accuracy. This is not accurate. Please delete these accounts.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed dispute with Discover on XX/XX/2021. The final resolution was due 90 days after the dispute. Discover reverse the credit for dispute without any explanation or giving me a chance to respond. Discover mishandled the dispute and reported me to Credit Bureau unfairly and damaged my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly a charge-off in the amount of {$1700.00} on the XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account is reporting an incorrect balance and I have not been provided with an itemized statement on this account even though I have requested one. 
This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.
Complaint sub-issue: Debt was paid

Hi. Equifax and XXXX XXXX continue to report false information on my CBR about an auto loan that was paid via XXXX and my gap insurance in XX/XX/XXXX. Equifax even reported my balance at XXXX  and a few months later reported a new balance. My car was totaled and I owe nothing. XXXX has continued to harass me and violate FDCPA and FCRA.
Complaint sub-issue: Old information reappears or never goes away

XXXX   is reporting  XXXX  negative amounts that are al l 7years o r more old.   I have spoken with them in prior months and they verbally agreed to remove them from my report to this date they have still not been removed. These accounts are as follow   XXXX    XXXX   XXXX   ... .30 day  late  XXXX   XXXX   XXXX  ... ... ...  ..30 day la te  XXXX  C  XXXX   XXXX   ... ...    Collection   XXXX  ... I have no idea who this company represents  XXXX   XXXX   ...  ... ... ... .Collection ... .rep  XXXX   XXXX    XXXX   XXXX   XXXX   who admits that the collection came to them with NO MONEY owed attached to it ... yet he claims that he is unable to remove it nor can he   XXXX    XXXX   XXXX   XXXX  and ask why he was sent my information  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

Equifax is reprinting innaccurate information and are in violation of my FCRA rights as a consumer which is punishable with {$1000.00} per offense they refuse to remove these items XXXX card is fraud as they insisted I was paying with a XXXX XXXX checking account but I will attach a XXXX XXXX letter stating I never opened such account but yet this is the 3rd time Equifax is reporting this as verified yet they dont send me relivent information and nieghter does XXXX card!! The second time is XXXX XXXX this has already been verified as fraud on XXXX and XXXX yet they are still reporting it .... furthermore XXXX XXXX  has confirmed this is a fraudulent auto account as well and XXXX  and XXXX have deleted it but Equifax is still reporting this.. furthermore there are inquiries from XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX that have been reporting that are fraudulent and Equifax  is still reporting this they are in violation of my rights of FCRA laws
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a credit repair agency working for me. She requested verification for all inquiries that were not authorized by me. This was XX/XX/XXXX. It has been more than 30 days and fraudulent inquiries are still on my credit report. I havent search for any mortgages, rentals, car loans, credit cards, etc. Im in the process of cleaning up my credit report that someone else has damaged. Its hurting me and making me feel defeated. Im trying my best to figure out why someone will damage my credit. I never authorize none of these agencies to pull my credit report. All unauthorized inquiries are attached!
Complaint sub-issue: Didn't receive notice of right to dispute

Hunter Warfield has broken several Fair Debt Collection Practices Act laws. First, they never sent me notification of the debt. I did n't even receive any notices giving me 30 days to respond. They said they did but I never did receive anything. If they did send anything, it needs to be documented via certified receipt.
I filed an identity theft report and also sent them the information because I do not know where this debt came from, and it is indeed identity theft. I sent them the identity theft affidavit, and they failed to acknowledge it as well.
I also asked for verification, and I did not receive anything. I have attached everything that was sent to them certified. Another law they broke was verifying this proof with the credit bureaus after I have requested verification of the debt and filed identity theft. During that time frame, they still verified this debt. CC : XXXX XXXX XXXX XXXX XXXX XXXX Attorney, BBB, FTC
Complaint sub-issue: Personal information incorrect

I have inaccurate Personal Information on my consumer reports. Please see attached.
Complaint sub-issue: Account information incorrect

Equifax continuously mismanaged my credit report. In XX/XX/XXXX they reduced my score 36 points just because I got a credit increase of XXXX. I believe someone is purposely sabotaging my report at Equifax because I have previously complained about them. They are the only credit bureau that continuously maintains the lowest scores for me. They continuously report inaccurate information. I got a credit increase and XXXX  score went up 10 points. I believe that they are targeting me I would like to have a serious investigation done. How can I have XXXX at XXXX  and XXXX with equifax. I just had a miscellaneous derogatory late information removed from my mortgage company in XXXX and it's not reflected in my score. I want them fully investigated because I want to take legal action.
Complaint sub-issue: Problem with personal statement of dispute

Equifax closed dispute XXXX with the following statement : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Specific item name, account numbers and nature of dispute. Please provide the requested information to Equifax Office of Consumer & Agency Assistance, XXXX XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was told by a rep over the phone with XXXX XXXX that I would not incur a hard credit pull to simply add my nephew as an authorized user to my account. I didn't request a credit line increase, just simply wanted a second card. I submitted the request and the second card was issued along with a hard credit pull. I asked a second representative via XXXX XXXX website and was again told a hard pull would not occur. I have pics of the chat! The reps name is XXXX and on XX/XX/2018 XXXX he said " You will not receive a credit inquiry for either requesting an upgrade, or adding an Additional Card Member to your existing account. However you may receive  credit inquiry if you apply for a New card account. '' dispute the inquiry with the agencies, and send a polite letter to XXXX XXXX asking the inquiry be removed and they sent a letter back on XX/XX/2018 and refused to do so. Can you help? Im trying to buy my first home and this is hindering me. Thanks so much.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Submitted several identity theft reports obtained from the XXXX police department aswell as the FTC and credit bureaus still refuse to remove the fraudulent accounts and unauthorized inquiries.
Complaint sub-issue: Investigation took too long

An erroneous reporting on my equifax credit report shows a {$190.00} owed to XXXX. I have never opened nor had any power account with XXXX. In fact, during the time that this account was opened by an identity thief back in XX/XX/XXXX/XX/XX/XXXX I happened to be stationed abroad. I submitted pages of my passport to Equifax showing U.S Customs stamps proving that I was indeed abroad and could not have possibly opened that account but Equifax will still not investigate the erroneous reporting. My latest dispute that was certified-mailed on XX/XX/XXXX to Equifax on this matter, they never even bothered to respond to my dispute. It 's been +45 days now, please help!
Complaint sub-issue: Need information about your loan balance or loan terms

I have federal consolidated Stafford student loans managed through myfedloan.org. I am pursuing Public Service Loan Forgiveness ( PSLF ), and according to myfedloan.org, I have completed 104 qualifying payments ( out of 120 required for PSLF ). I have another 5 eligible payments that will qualify once I submit employer certification. 

According to myfedloan.org, I also have 8 payments that are currently considered PSLF-ineligible, but " Payment Is Pending Manual Review. '' These are payments made to a different federal student loan servicer in XXXX. I have inquired into this issue repeatedly via myfedloan.org customer service, and thusfar they have not completed the manual review after 6+ months.

Depending on the status of the payments under manual review, I could qualify for PSLF in XX/XX/2021. I ask that myfedloan.org complete their adjudication prior to that date so that I don't make additional, unnecessary payments on my student loans.
Complaint sub-issue: Fraudulent loan

My credit was used in a fraudulent transaction at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The date was XX/XX/2019 and the application number is XXXX. The car was XXXX XXXX XXXX. I did not make this purchase.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX are associated with information I am disputing as fraudulent. Will you please remove from my XXXX and Equifax report.
Complaint sub-issue: Account status

I sent dispute forms to all XXXX credit reporting agencies notifying them that I have consolidated and paid off this student loan and to update the account, I received back a letter saying the debt have been verified.
Complaint sub-issue: Attempted to collect wrong amount

I pulled my credit report on annual credit report.com I sent Disputing letter in to I c systems, XXXX and XXXX stating that this information reporting is inaccurate ( dollar amount and dates ) and must be removed from my credit report which is a violation of FCRA. The Account number on XXXX XXXX dollar amount XXXX and XXXX XXXX dollar amount XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2020 a DISCOVERBANK account ending in XXXX with an available credit limit of {$14000.00} was removed from my credit report by all the agencies. On XX/XX/2020, it was reported that there were two payments made automatically by XXXX XXXX without approval. On XX/XX/2020 a charge of {$74.00} and on XXXX a charge of {$200.00}. These were not supposed to be charged to the Discover credit card ending in XXXX. A dispute was created, but as of today, this account and its available credit limit and the time I have had it has been removed, thus reducing my overall credit score. I have spoken to Discover Card and they could provide no information. After numerous attempts to file a dispute with XXXX, I could not file a dispute to end this and put this credit back onto my score reports. Please assist me! 
XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble getting information about the card

US BANK CORP knowing sold prepaid gift cards that easily can be compromised and fund stolen by criminals, then use delay tactics to solve the issue for customer. I bought a {$100.00} visa gift card issued by US BANK, then fund of {$99.00} stolen in XX/XX/XXXX, i reported to US BANK and faxed them and mailed them also the signed dispute from timely, and patiently allow them to solve the case, so far, Not only US BANK never replied to me nor updated me at all and no result as of XX/XX/XXXX, i attached details in the upload.
Complaint sub-issue: Account status incorrect

TEK-COLLECT INC XXXX XXXX XXXX XXXX DBA XXXX   XX/XX/2018 {$320.00} {$320.00} XXXX XXXX XXXX XXXX, OH XXXX  ( XXXX  ) XXXX this not my account i haven't been to this Dr. in 6years this is a blatant re-attempt to put this back on my report as, it was already removed from my report previously
Complaint sub-issue: Debt is not yours

While reviewing our credit rating on XX/XX/XXXXwhich has been excellent we noticed a negative entry which was unknown to us. A small amount of money was supposedly owed to Macy 's which we had no knowledge of. This debt allegedly occurred possibly in XX/XX/XXXX or XX/XX/XXXX. XX/XX/XXXX???!. We do n't even have a Macy 's credit card. We contacted Macy 's and they referred us to the Credit Card company .... as well as their loss protection/fraud department. Telephone calls have continued to be placed to the credit card company as well as the Fraud Dept despite a collection agency assuming the money owed. The amount went from under {$50.00} up to over {$300.00} and we 've continued to receive letters demanding payment. I 've sent certified letters to the Fraud Division, Macy 's CEO as well as the collection agency demanding proof of the money owed. They keep asking for credit card numbers and we have NONE. Recently the collection agency told me the account was referred back to Macy 's. A week later we received another demand letter. We have spent over {$45.00} in certified mailings and this thing continues. Had I not asked questions regarding the negative entry on the credit score who knows where this would be.
Please stop this harassment.
Complaint sub-issue: Reporting company used your report improperly

I have disputed multiple account working on my credit report to no avail. I do not believe a fair and accurate investigate was conducted into the accounts. I am requesting again a complete and accurate DEBT VALIDATION of the accounts. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I wish to receive accurate reporting of accounts, complete report with validation method and itemized report of debt due and a signed copy of debt origination with my signature. 

XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX According to the 15 USC 1681 , i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my information with third-party people. I believe these are clear violations of my federally protected consumer rights.
Complaint sub-issue: Reporting company used your report improperly

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source :
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone had used my information to pull Hard inquiry which I had never authorized..

XXXX XXXX  XX/XX/2017 Equifax XXXX   XX/XX/2017
Complaint sub-issue: Problem getting report or credit score

Equifax system is cumbersome
Complaint sub-issue: Debt is not yours

I noticed on my credit report very old accounts from a Student Loan company. Im not familiar with the accounts, but, nevertheless it is required by state law that no debt is reported longer than 7 years. These accounts were opened in 2010 which means they should be much easier to remove from my credit profiles ( Equifax, XXXX, XXXX ). The accounts are as follows US Dept Education XX/XX/2010 Balance {$4400.00}, US Dept Education XX/XX/2010 Balance {$9700.00}, US Dept Education XX/XX/2010 Balance {$12000.00}.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX BANK XXXX Balance {$4400.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$1900.00} ; XXXX XXXX  XXXX Balance {$300.00} ; XXXX BANK XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Personal information incorrect

Dear EQUIFAX : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me, any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : ( 1. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX AND ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX AND ( 3. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 4. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 6. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 7. ) XXXX XXXX XXXX   XXXX XXXX, WA XXXX ( 8. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 9. ) XXXX XXXX XXXX XXXX   XXXX, WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I WAS PREVIOUSLY AN AUTHORIZED USER ONE OF MY EX-HUSBAND 'S CREDIT CARD ACCOUNTS ; HOWEVER, I REMOVED MYSELF FROM THIS ACCOUNT A MONTH AGO, YET IT IS STILL SHOWING ON MY CREDIT REPORTS. THIS IS THE XXXX XXXX  ACCOUNT. IT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY. I AM NO LONGER AN AUTHORIZED USER ON THIS ACCOUNT, I HAVE NOTHING TO DO WITH THIS ACCOUNT, AND I AM NOT RESPONSIBLE FOR IT. I HAVE ATTACHED SCREEN SHOTS OF THE ACCOUNT AS IT SHOWS ON MY CREDIT REPORTS. AGAIN, THIS IS THE XXXX XXXX ACCOUNT THAT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY AS I AM NO LONGER AN AUTHORIZED USER ON IT AND IT IS NOT MY RESPONSIBILITY.