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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX 2021
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/ 2022 I used my Citi Dividend Card to make a purchase from XXXX XXXX for a backordered item and was told it would ship in 6-8 weeks. On XX/XX/XXXX I began reaching out to XXXX  via email, their online chat service, XXXX XXXX and left 2 different voicemails on XX/XX/XXXX and XX/XX/XXXX. Nobody returned any calls, messages, emails, to respond to the status of my order. On XX/XX/XXXX I checked and the XXXX XXXX website was no longer working so I filed a dispute of the charge with my credit card company and explained I tried to contact the vendor but was unable to reach them to either receive an update or cancel my order and had not received the product. On XX/XX/XXXX they indicated they notified the company and that the company had 90 days to respond. On XX/XX/XXXX they rejected my dispute because they received information from the company that I made the purchase. I replied to the letter with additional attachments agreeing I made the purchase but that had not received the product and could not get ahold of the company and disputed the charge because I still did not have the product. On XX/XX/XXXX they " resolved '' my additional documentation by again rejecting my response and stating that I listed the incorrect reason for my dispute and therefore forfeited my rights to the dispute. I called and explained that my dispute didn't match any of their preset options so I picked one I thought was closest and that my selection did not change the fact that I did not receive the product and that they were supposed to protect me from this kind of fraud. They re-opened my dispute on XX/XX/XXXX then again sent a letter on XX/XX/XXXX rejecting it for lack of attachments that were provided to them on XX/XX/XXXX. I again called and they agreed to again review the details on XX/XX/XXXX. Since that call I have not received any additional responses or updates on my dispute claim, which has now been ongoing for over 4.5 months despite multiple calls, emails, and providing as much detail and supporting documentation as I have available to prove I have not received my purchase and reject the charge associated with the product not provided. I've attached the initial email from citi acknowledging the dispute and the email I sent with additional attachments but can provide all letters if needed.
Complaint sub-issue: Account information incorrect

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DPT ED/XXXX Account # : XXXX Account Name : DPT ED/XXXX  Account # : XXXX
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX  ) -name as reported on my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( THEIR METHOD OF VERIFICATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING LATE, WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX  I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED. 

If this account is not deleted from my credit report within 30 days I will be visiting my nearest small claims court & I would be seeking a minimum of {$1000.00} in damages PER violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Each of you will be required to appear in a court venue local to me, in order to formally defend yourself.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I'M HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING MISTAKES REPORTED ON MY CREDIT REPORT.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/21 I Submitted a direct debit transfer from my prepaid CARD.COM card.When logging into my newly opened XXXX XXXX Account I found that it I couldnt access it so I immediately called and found out my account was in Closing because of the Large amount of direct debits well I awaited two weeks only to receive a {$500.00} check from XXXX XXXX this was my opening deposit and as for the second transaction for {$1000.00} I was very upset to hear that XXXX XXXX couldn't locate my money I had to file a dispute it actually took 2 weeks for them to locate my money and inform me about the investigation they informed me in writing that they did locate the debit transaction and in writing they informed me it was sent the day it was received back to card.com now since then I have submitted 2disputes with card.com and just two days ago was informed by a representative the closed my dispute.Well I told him that I have new evidence to submit the letters from XXXX XXXX closing my dispute and informing me it was sent back to card com I have not received nothing by mail I have updated my number and card.com has not attempted to reach out to me and my {$1000.00} translation has not been deposited back to my card.
Complaint sub-issue: Account information incorrect

I have reviewed my credit report and found inaccuracies from XXXX XXXX. i sent them a letter asking them how i still owe your company for this debt. I have received a XXXX on this account and i do not owe this company. This company is taking away my FCRA rights.
Complaint sub-issue: Account information incorrect

US bank is creating fraudulent information in my name. I have asked them to cease this illegal action and they are refusing. this is not only my right but also their legal responsibility. US Bank is claiming they closed a account in my name in 2018 leaving a balance of {$170.00}. 

the transaction claimed to have cause {$170.00} in overdraft fees was declined and returned us banks own policies took 5 days to recognize them to charge {$35.00} dollars a day in overdraft fees which they continued to do for 5 days. This practice is illegal. and violates my rights and neglects their lawful duty. i demand this account be closed and removed and i be granted payment for my financial loss pain and suffering for the years of financial harm resulting from this malicious act. 

this has stopped me from opening bank accounts, getting a vehicle, driving my children to school, maximizing my credit, providing financial disclosers. has given me anxiety dealing with the financial world and affected my ability to live my life.
Complaint sub-issue: Information belongs to someone else

This is my fourth 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 alleged fraud or extortion. 



XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Complaint sub-issue: Was not notified of investigation status or results

This was not sent is error i am a consumer by law and my information as misused and now I have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CITI balance {$0.00} account # XXXX 30 days late in XX/XX/2021.
Complaint sub-issue: Was not notified of investigation status or results

I have sent out Notice after Notice. I started XX/XX/XXXX  and XXXX/XXXXXXXX and the last one was on XXXX/XXXX to XXXX. They are not responding to me at all, neither by mail or email. And I only to them they are listing a bankruptcy on my credit report, I was wondering what method they used to retrieve such information. I only want to know what methods they used to verify this information on my credit file. They will not respond back to me and its a fair simple question. I asked them to refrain from responding with a typical verified response I am not disputing such information. To no avail is it anyway you guys can help me out.Oh and one call they hung up on me after awhile..
Complaint sub-issue: Problem using a debit or ATM card

I have been notified in the month of XXXX 2018, that my personal info had been hacked on the XXXX website. I recieved a notice via mail about the hack. Then I was told to put a freeze on my person Reports. Which I did immediately!!! Still I have contiued to recieve hundreds Robo callers weekly for years now. I have recieved caller 's where the Robo caller 's called on one phone line then. I recievd another call just minutes apart from the other call, threatening and saying, " You owe the IRS a lot of debt, '' and, added that, " They were the IRS and that they were gong to take me to court and sue me ''! I was a bit shaken, I recieved a call simular to this last year and ran to my CPA! This time i could tell that It wasn't a real voice. I did get very upset, to the point to where I have decied to fight back now! It has to stop! It's like a bully of some sort. Well I am not going to take this anymore!!! These thieves have taken control of my XXXX XXXX, all of my social media sites that I was with, they have even gotton into my XXXX account and all of my records, I am extremely concerned that this has all gotten so out of hand? Below I am discribing what has happened recently to my bank account. 

I went to my bank. While at the outside window, I notice somethnig odd. This company called XXXX, which is a singing APP that I used to use on my cell phone.. I notice the amount of {$39.00} had been debited on my card. I knew I hadn't done this??? I could see the problem so i went into the bank to investigate this problem. I ask the Banking Rep to please give me a reciept of this transaction. I called over the phone to XXXX who said they could see the charge, and that they be opening an investigation. I also talked to the XXXX Rep and she said that she would be reporting this to the Investigation team of XXXX. She said it will take some time to complete. 
These hackers have taken over everything in my life. i am very discusted and fear for my personal safety. I do not want to go any where alone without my husband. I have put freezes on my account and still they manage to hack in some how. I have put up cameras, so much to protect myself and my family. It's a nightmare to have to live like this on a daily basis. I need your help. Thanks in advance. 

I also recieved a call from XXXX and I was told that someone had compromised my XXXX, and XXXX Account and to report this. The gentleman told me to report this to every one, and put the word out! 

Can someone please help me to stop this huge anoying problem. Urgent!!! Everyone, Seniors please, be aware of this IRS scam!!! It's not real it is fake. It is ment to scare you out of your money!!! Call and report this crime to the local police right away! Don't be a victim!
Complaint sub-issue: Didn't receive notice of right to dispute

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY Thank you for your help in this matter.
Complaint sub-issue: Debt is not yours

JEFFCAPSYS is claiming that I owe them {$16000.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Complaint sub-issue: Account status incorrect

Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for XXXX XXXX credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX Experian showed that all three credit cards where added to chapter XXXX bankruptcy I then called experian to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since XXXX XXXX was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all 3 credit cards have been added back to equifax and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened 4 other cards to restablish credit now there is a total of 7 cards that I can not pay for.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that I was likely affected by. 

They have put myself and over a hundred million others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for trial periods of their own ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company.
Complaint sub-issue: Company closed your account

I received a mail stating that my account is closed due to unusual payment activity. However, I have never made a payment to this account. Please give me an explanation on why the account is closed.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX.
Complaint sub-issue: Old information reappears or never goes away

XXXX and XXXX XXXX Account # XXXX {$260.00} I have no knowledge of the account above and currently have a fraud protection on my credit report.. I reached out to the debt collector and tried to dispute the unknown item and did not get any validation stating that I owed the account above.. I received no help item was not removed or verified
Complaint sub-issue: Information belongs to someone else

There is a delinquent account on my credit bureau 's that is not mine. XXXX XXXX I have never applied for. I have called, reported them to XXXX XXXX XXXX XXXX  but they still have not removed this ding on my credit. I would never associate myself to these kind of businesses and ask that you would be so kind to request they remove this account asap.They can not show me proof that I signed anything or show my ID to prove it is mine.
Complaint sub-issue: Termination fees or other problem when ending the lease early

I have leased a XXXX XXXX 2020 for 39 months. With XXXX, my car has been sitting idle with very low mileage, and I wish to get out of the lease and recover my investment. 

VW gives me a payoff quote of {$22000.00} which fully covers all their lease payments for the remaining 20 months. 

When I go to XXXX to sell it to them ( the most expedient way a consumer could sell and move on ), VW prevents it and gives a ridiculous {$29000.00} payoff amount to XXXX. 

This is completely unfair and unethical. Why should they have two different payoff amounts? It hurts the consumer that is trying to get out of such situations in these tough Covid times.

This needs to be addressed as I am sure thousands of consumers are suffering from this atrocious business conduct.

Thank you CFPB for investigating and representing the Consumer!!
Complaint sub-issue: Information is not mine

I am a victim of identity theft. I have been a victim of identity theft for over 6 years. The following accounts and credit inquiries are unauthorized, fraudulent and the result of identity theft : XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX.
Complaint sub-issue: Public record information inaccurate

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, XXXX, EQUIFAX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.