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

filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by us bank number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!
Complaint sub-issue: Didn't receive enough information to verify debt

On my credit report Jefferson Capital Systems inaccurately reported the date my debt was opened as XX/XX/XXXX, when they confirmed over the phone that it was XX/XX/XXXX. They refuse to correct it because they have to list the date they acquired my debt. Thats not at all what date opened means when looking at a credit report. Date opened means the date the account was opened not the date some company acquired my debt. Every other debt company works the same way but Jefferson Capital Systems.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

( 1 ) : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

( 2 ) : 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 ( 3 ) : 15 U.S. Code 1681 ( a ) ( d ) ( 2 ) ( i ) : States that the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.
Complaint sub-issue: Debt is not yours

Hello, This company XXXX XXXX XXXX are continuing to attempt to collect a debt that I am not liable for. I have attempted to rectify this problem thru the bureaus but they are still reporting and continuing to report negatively toward my credit. have attached a letter from the Assistant Manager of the apartments that show that I left out of my lease with no balance attached to me. I lived in the apartments from XXXX. I paid rent on time and never missed a payment. 

When I moved out I left without owing any debt and no responsibility was due to me with the apartments yet the collection XXXX XXXX is reporting to my credit that I owe a balance of {$2500.00}. 

I a not liable for this debt as I have expressed several times so therefore I do need to make a formal complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is STILL reporting two inaccurate charged off XXXX  XXXX XXXX credit card accounts on my credit reports after numerous disputes. Both XXXX  and XXXX  have removed these accounts on the basis that the debt is NOT MINE, however they claim they have " verified '' the debt and account with the creditor. How are you going to verify the debt if it's not mine? The current charge off amounts are {$5600.00} and {$5900.00} all the way back from 2014. They have not furnished any proof whatsoever that the debt is in fact mine and continue to hold down my scores and from obtaining future credit. I will most definitely be taking legal action if they do not immediately remove these accounts from my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Today i Tried to Remove unauthorized inquires from my Equifax Report and they would not let me remove them. 
Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

I scheduled an electronic payment. They canceled it/ never processed my payment. Then they charged me a late fee and interest.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX ( acct : XXXX ) is NOT supposed to report ANY late payments on my account ONCE the acct has been DISCHARGED from a BK.
Complaint sub-issue: Account status incorrect

I had a personal loan with Loan Me that was sold to XXXX XXXX XXXX as it had gone to collections. I settled the amount and made a one time payment to have the account closed. Loan Me and XXXX keep sending me back and forth both saying theyre not responsible for the actual credit report reporting and both companies decline to report it to the credit bureaus therefore my credit report is incorrect. Please see attached settlement letter confirming the payment was made and account closed. Please help.
Complaint sub-issue: Account status

XXXX XXXX. is reporting a zombie debt as an open collection/charge off to the Equifax credit bureau. The debt was charged off in XXXX XXXX and last payment activity was XXXX XXXX. This debt is six years old and past the state of Maryland and Virginia statute of limitations and thus the creditor, XXXX XXXX XXXX can no longer actively collect ( have collection activity ) on this debt. The correct status of this debt is closed account/charge off. This account should not be reported as an open collection by XXXX XXXX. I called XXXX XXXX A. on XXXX on Tuesday, XXXX/XXXX/XXXX at XXXX, and spoke with a customer service representative in the Recovery Department and she too verified that XXXX can no longer collect on this debt for the state statue of limitations has been exceeded. Thus it does not make sense for this debt to have a status of open collections.
Complaint sub-issue: Problem with fees

In XXXX I started a process to pay off my Citicard, in full. The balance due was over {$30000.00}. I contacted the company to see if I could get a pay-off amount and possibly have the payment lowered. I did email chats with representatives of the company and will try to forward those chats in chick they kept telling me what the balance was, but then the next month I would receive another bill. I contacted my attorney and he sent a letter requesting the account be paid in full since they did not reduce the balance owed. He then received a letter from them, I believe in XXXX, that needed to be notorized for them to release information to him and we did that within a timely manner. Since then, I have received no response and they have continued to bill me for late charges. I had applied for a XXXX credit card as I was told the balance had to be paid in full every month as I did not want to get " in the hole '' again like I did with Citi Bank. I was immediately denied for late payments due to Citicard even though it is in dispute. I have not heard anything from them and the amount continues to grow.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was notified of a inquiry on my XXXX credit report from my credit monitoring company and immediately called to notify it was unauthorized without my consent, after doing so my 3 reports were placed on fraud alert. I was given the number, called in then transferred to a XXXX agent who initiated the investigation and told me to call back after 90 days. I did so XX/XX/2020 only to find that there was nothing done on their behalf by way of investigation or acknowledgement of the erroneous processing of my original dispute request. I was now told that I had to contact the FTC and Police to have the unauthorized inquiry removed from my equifax account, which I'm doing by writing this correspondence. PLEASE HELP ... XXXX  IS HORRIBLE WITH CUSTOMER SERVICE AND SERVICE HOSPITALITY.
Complaint sub-issue: Information belongs to someone else

The Credit reporting agencies are required to remove the disputed fraudulent information being reported on my Credit File under the provisions of the Fair Credit Reporting Act section 605b. However, upon viewing my updated Credit Report, I realized that the Credit Bureaus have not yet complied with my multiple requests. I am now submitting this CFPB Complaint today to force the Credit reporting Agencies to remove the disputed items on my Credit file. It includes the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed {$4300.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. Also, the Credit Bureaus have claimed that the disputed items belong under my name and that the items were verified. If the items are really verified, I wonder why the Credit Bureaus have not sent me copies of proof of verification or documents bearing my signature. Under the provisions of the Fair Credit Reporting Act section 605b, I need the disputed items deleted at all cost.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly the XXXX/XXXX partial account number XXXX as a charge off. ( Please see page 16 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. 
I arrived to XXXX XX/XX/XXXX. 
As I got to know from my credit report someone used my SSN to open an account on XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXX 
Account was closed on XX/XX/XXXX due to not payment. 
On XX/XX/XXXX I called mentioned above bank and I was told that they have all my information including XXXX. 
Phone number that is registered with account is XXXX, added is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

At the moment XXXX very concerned about identity theft. 

Would like to to conduct investigation. 
On my part I will do police report as well.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Personal information incorrect

The bureaus are reporting incorrect names and addresses in my credit report.
Complaint sub-issue: Information belongs to someone else

I've discovered that I am a victim of identity theft. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX has fraudulent accounts being reported on my credit profile. These must be removed immediately, please and thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I submitted the no affect to your credit score form not giving them my date of birth or social security number and they managed to place multiple hard inquiries on my credit through multiple lenders.
Complaint sub-issue: Account status incorrect

The credit bureaus are reporting the following item inaccurately. This account has never been late. Please remove the item below pending a thorough review. 

XXXX XXXX XXXX  XXXX XXXX never late
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020, I submitted letter to the 3 bureaus.They have never responded. I have attached a new complaint and I would like a response asap.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX  XXXX  XXXX Acct # XXXX, has violated my rights. 

XXXX5 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 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have a bank account with Discover bank and applied for a credit card. I was approved for {$10000.00} but they were unable to verify the tax form I was filling out online. I was not able to access the card, use card or access card online. Now, Im receiving notice of a {$1500.00} balance. How can I have a balance when I am not able to use the card until you could verify, which never happened?
Complaint sub-issue: Problem with fraud alerts

I went to the bank to make a loan and become a member, but when they pulled up my report it was showing a fraud victim/ XXXX alert ( and I 've never been in the service ). So the give me the number to Eqifax to make the dispute and take it off, the first time i called they kept putting me on hold and after all that i was told to fax my information and wait 48hours for a respond, after not getting a email i called again only to find they didnt " recieve my fax '' and was told to fax again. I asked how i was supposed to know if they got my fax and was told i had to wait the 48hours then call again ( so far that is already 6 days wasted ). three days later i call and they where able to pull up my fax only to tell me that since I 'm not through them they cant take the fraud off my credit and gave me information to XXXX other credit bureaus. I call XXXX to see if they can help me and was told they are unable to remove the fraud from my credit and was then transfered to another number who told me to file a complaint. This is crazy I 'm just trying to remove a fraud claim and for a week and a half now, have been given the run-around.
Complaint sub-issue: Was not notified of investigation status or results

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also following this XXXX lawsuit I have several accounts and items that are inaccurate and misleading that needs to be removed.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX, I mailed a certified handwritten letter to Equifax ( tracking # XXXX ), XXXX ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, Equifax  and XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). 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.
Im requesting Equifax, XXXX, and XXXX to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.
Complaint sub-issue: Report provided to employer without your written authorization

Identity theft and used my info for false accounts
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1.XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX I used Discover to put a deposit on a vacation rental in the Florida keys for my family to stay in XXXX, the remainder was paid in cash. There were problems with the home from the start, dogs on property even though not pet friendly, construction work happening before 8am, but we tried to make the most of it. Second to last night termites were crawling in the beds and completely took over a bedroom, we contacted the host and was asked if we had to leave early or comfortable staying. No one offered to change sheets, come clean up the mess, nothing. We left early and was told a refund would be made to the card on file, it took over a week to get this response as the owner left the company without a manager in charge. From the day I left I was told the manager would call me later, but my response to the generic how was your stay email prompted the manager to not return my calls, but respond via email. I got discover involved with a dispute as the refund was not processed and I was already having trouble with the company I was unsure they would follow through with what they said. Discover now states my information, an email from the merchant stating a refund would be processed to the credit card on file and the final bill stating the money received was only from my discover card and cash was not enough information. Even though I was told two weeks ago that that is the information that was needed, and XXXX business days ago that the information provided was approved to initiate credit back to my account. It should be as simple as that, and now dealing with this over several months Discover has claimed my information is out of date, already closed, but I should follow up with the merchant that has been ignoring my calls since the day after my departure.
Complaint sub-issue: Their investigation did not fix an error on your report

I DO NOT UNDERSTAND?? I DID NOT REQUEST A BLOCK. I REQUESTED THE XXXX LICENSE AND WRITTEN SIGNATURE PROVIDED TO OPEN THIS ACCOUNT FROM THE CREDITOR XXXX. Equifax has been notified this is Not my account previouly NEVER FIXING PROBLEM. I Requested Written Documentaion to CONFIRM & VERIFY MY IDENINITY AUTHORIZING OPENING. See attatched XX/XX/2020 Equifax Notice CONFIRMING JUST NOW BEGINNING AN INVESTIGATION. Equifax has done this at least 3 times on the CFPB WEB previouly. see all other complaints. I DID NOT OPEN THIS ACCOUNT.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax previously permanently delete the attached accounts in XX/XX/2022. Now Equifax has added those accounts back to my consumer report. This is willful and damaging and is affecting my mode of living. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and Equifax doesnt care if I survive or not. Every-time I call Equifax they are providing bad service.

I have attached supporting documents of the accounts being removed and add it back to my consumer report.
Complaint sub-issue: Didn't receive enough information to verify debt

I received my credit report and noticed a collection. XXXX XXXX XXXX is reporting an unverified debt in the amount of {$9700.00} that I allegedly owe them. I mailed a certified letter dated for XX/XX/18 and requested validation of this debt. They are in violation of the Fair Debt Collection Act as they must validate, verify, and prove all debt with 100 % accuracy. If they do not, reporting should cease. XXXX also must provide proof of any debt that I allegedly owe with copies all items in asked in letter. I have attempted to dispute this matter through XXXX, XXXX, XXXX, and XXXX to no avail. XXXX has failed to validate and answer my questions as requested. As of XX/XX/18, this debt is still reporting on my credit report despite my request.