Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the rights 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 States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information is missing that should be on the report

Equifax, XXXX  and XXXX XXXX will not update my credit report to reflect my credit lines and credit card accounts. 

I have attached the accounts, account numbers and credit line. None of these accounts have ever been late and by failing to update my records, it is having a negative effect on my FICO score. 

There is not reason for these updates to take so long.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2020 I sent off three letters to the credit bureaus, one to XXXX, one to XXXX, and one to equifax by certified mail to dispute items on my credit report. The letters were received XX/XX/2020 by XXXX and XXXX, equifax received their letter on XX/XX/2020. The fair credit reporting act states that they have 30 days to complete an investigation or else the items are supposed to be removed. I received no response from them at all, after the 30 days was up and not receiving a response from them I sent another letter to them following up on my first letter, still no response from them in any way. I cant even get a representative on the phone to talk to, I'm very frustrated because these companies are taking advantage of the consumers.
Complaint sub-issue: Their investigation did not fix an error on your report

Greetings, I submitted a request for investigation to Equifax regarding a collection that is not able to be validated by the collection agency XXXX , XXXX. in the amount of {$460.00}. 

Under Confirmation # XXXX on XX/XX/2019 the following response was provided : XXXX , XXXX Account # XXXX >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX Equifax did not provide any supporting documentation that shows the debt is valid. XXXX , XXXX. has been unable to validate the debt and because of their inability to validate, the other credit bureau ( s ) have been unable to validate the debt with XXXX , XXXX and have since removed the non-validated collection.
Complaint sub-issue: Investigation took more than 30 days

I have been trying to get all 3 Bureaus to look into this account now for a about 3 months. I know that all my information must be correct or it needs to be removed. I have been asking to have this account looked into and I haven't received any information on my dispute. When you look at this account it states that my late activity was in XXXX. How can I have any activity in XXXX when the account has been closed since XXXX? XXXX has no payment history. Equifax has been charged off since XX/XX/XXXX. XXXX has been been charged off since XX/XX/XXXX. Nothing makes sense and I haven't heard from anyone about my disputes.
Complaint sub-issue: Reporting company used your report improperly

A credit card company ( CBNA ) incorrectly made a hard inquiry on my credit report. I had gone online to request a credit limit increase on their website.

The site notes : " We will not obtain a credit bureau report to evaluate your request, and you will receive a decision instantly. '' *Neither of these statements were accurate. They did make a hard inquiry to the credit bureau & did not give me an instant decision.

I have attempted to resolve this unsuccessfully with CBNA for over a month. After numerous phone conversations and online chats, I have received a letter from them stating : " We are unable to remove the inquiry from your credit bureau report. '' The hard inquiry was made on XX/XX/2021.
Complaint sub-issue: Seized or attempted to seize your property

I put a box of credit card statements in the recycling and XXXX XXXX and XXXX claimed to own the accounts. For years my phone rang about ten times a day. XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX a total of XXXX Small Claims Court cases. This law firm is going down my credit report Small Claims Court lawsuit after lawsuit. They spelled my name wrong and my only income is Social Security XXXX and {$100.00} state pension. XXXX XXXX is the plaintiff although XXXX XXXX was abusive. Both are under XXXX XXXX. I hear that XXXX XXXX buys data that includes your social security number. XXXX and XXXX put a lien on my condo for a XXXX gas card. I have countersued for {$5000.00} for abusive collection practices on a XXXX Credit card which includes calling my brothers and their families and the jobs I worked while XXXX. They have ruined relationships with my family and I lost my jobs.
Complaint sub-issue: Inadequate help over the phone

Equifax told me that they can not allow me access to my credit report. I spoke with XXXX in the Office of Consumer Affairs. I informed him that neither I, nor creditors, could access my credit report. HE TOLD ME THERE WAS NOTHING HE WAS WILLING TO DO AND I JUST HAD TO LIVE WITH IT. I literally can not apply for credit and have no idea what is in my report. He offered to send me a copy of my credit report but this is not helpful because creditors still ca n't access the report. I DO NOT WANT ANOTHER COPY OF THE REPORT MAILED I WANT IT FIXED SO I CAN ACCESS THE REPORT ELECTRONICALLY AND SO CAN CREDITORS. This is my third complaint about the topic and Equifax never responds correctly, they just send another paper version. I have even been denied access to the report through Equifax itself so clearly they know what the problem is but refuse to fix it. Attached is a screenshot showing the denial.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously filed a complaint with the CFPB # XXXX. Seems to be a lot of finger pointing going on. First I called and talked to a rep. from my mortgage co. XXXX XXXX XXXX XXXX see if they were in fact reporting my mortgage debt to the credit bureaus. They assured they were reporting monthly to all three. My credit monitoring company, XXXX XXXX, shows Equifax reporting my mortgage debt with XXXX XXXX, but shows no update to the account since XX/XX/2019 and also shows an incorrect amount owed. XXXX  does not show my mortgage debt at all. I suppose it would be easier to correct something on their report if it was actually on their report. Why is it not on their report? The status of that loan is being reported to them monthly. Needless to say I am not satisfied with either their response to my dispute or the complaint filed with CFPB. Neither XXXX  nor Equifax even came close to addressing the problem in their response to my dispute or complaint with the CFPB. They never even mentioned the mortgage debt. I don't even know what XXXX has on their report. XXXX XXXX only provides me with info from XXXX  and Equifax. I have a much lower credit score with Transunion. I assume because they do not show my mortgage. Much higher score with Equifax even though the amount owed is incorrect. This adversely impacts my credit score and I would like to get it corrected. The mortgage co. points the finger at the credit bureaus. Credit monitor Co. points the finger at the credit bureaus. Credit bureaus seem to be ignoring there is a problem at all. Nothing wrong here, must be problem of someone else. Please help to get this resolved. Thank you
Complaint sub-issue: Was not notified of investigation status or results

I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, XXXX XXXX and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.
Complaint sub-issue: Threatened to take legal action

Letter sent to me pertaining to my DEAD husband 's account. My husband died on XXXX XXXX, 1991 ( almost XXXX yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider XXXX yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.
Complaint sub-issue: Can't temporarily postpone payments

I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. ''
Complaint sub-issue: Investigation took more than 30 days

In XXXX and XX/XX/2020, I filed a dispute with the Three major credit bureaus XXXX, Equifax and XXXX  about the unverified account : XXXX XXXX acct # XXXX XXXX and XXXX In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of XX/XX/2020. Thank you
Complaint sub-issue: Account information incorrect

In a previous complaint submitted through the CFPB, # XXXX, I communicated how Equifax had inaccurate information on my consumer report regarding the following account : XXXX XXXX XXXX XXXX XXXX # : XXXX. As a result of the investigation, the company concluded that the information I pointed out as inaccuracies were indeed inaccurate. They completed the account as updated and verified. 

The company stated in their solution that HIGH CREDIT, SCHEDULED PAYMENT, CLOSED DATE, ADDITIONAL INFORMATION, ACCOUNT HISTORY all were in fact inaccurate and have been updated. Resulting in 5 inaccuracies that were admitted by the company. 

Also, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) ( b ) ( iii ), I requested a description of the procedure used to determine the accuracy and completeness of the information and which they did not mail as a result of their solution.
Complaint sub-issue: Account information incorrect

Hi, I went to XXXX Dealership in XXXX, just for a test drive ; I had a thought of buying and I asked to present a financial options ; First, they made us wait for 40 minutes ; They presented the offer ; I said thank you and said that I would come back. The manager came over ( XXXX ) and said that they have a great deal for me. They presented a discount and asked if I have a car to trade in. 

I did have a car to trade in but I didn't think of trading it at that moment. 
I gave out specifications as I remembered them, and they immediately stated that they will give us a high price for the vehicle. They DIDN'T SEE THE VEHICLE! They told me and my wife that they are willing to take a risk and if they lose ( trade-in value was estimated {$6500.00} ) then they will lose {$6500.00}. We told us that we are going to bring the vehicle and trade that in since I didn't remember specifications ( I have several cars, XXXX XXXX & XXXX ). 

I mentioned that I do not remember the vehicle specifications but they promised to take the car for a trade in value NO MATTER WHAT! 

Well, we got into a deal. Everything was great, up until the moment, they sent a girl with us to pick up the car that we were trading in. We already had the papers for the XXXX, we drove the XXXX Home but then got the papers for the trade in the car and that car they promised to take at their own risk no matter what, they Didn't accept the car. 

It results in getting us into a loan which at this point it doesn't exist because they didn't take our trade in the car. It results in tremendous credit score lose ( 54 points/ 3 hard inquiries ). XXXX TOLD me that their dealership is not doing HARD INQUIRES as other dealerships are doing. It was our MAIN CONCERN!  XXXX told us and reassured us multiple times that they ARE DIFFERENT and those inquire are not going to affect my credit score! IT WAS NOT TRUE! He did tell me that that loan won't affect my credit score that tremendously! 

The deal got withdrawn, my credit score fell That is completely unprofessional and completely false information given! 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

VW CREDIT ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )
Complaint sub-issue: Banking errors

I was the owner of a company that closed with Covid in XXXX. I had a 401 ( k ) account with ADP. I closed the account last year in XXXX. I noticed that ADP charged my personal 401 ( k ) account {$1600.00} for monthly fees that they normally charged my company. However, ADP issued my company ( 2 ) six months waivers on the monthly fees which were {$170.00} per month if I kept my 401 ( k ) with them. Not only did they not waive the fees as promised but they illegally deducted the fees from my personal 401 ( k ) account. 
That deduction meant for over a year {$1600.00} of my money was not traded on the market as funds that were supposed to be in my 401 ( k ) investment account. 
1. ADP sent my company 2 six month waivers for monthly maintenance fees 2. They refused to honor the waivers and they illegally deducted them from my personal 401 ( k ) account They have been telling me that they are reviewing my account for a year now, but they have never issued the credit for {$1600.00} to my personal 401 ( k ). 
When I looked at my account today, they rearranged the numbers without adding the {$1600.00} back to my account ; they also did they send me a check for the amount. They erased the {$1600.00} from the details of my account as if it was never taken out of my account. ADP still owes me {$1600.00}. ( Refer to the Account detail that was done on XX/XX/XXXX and compare it to the one done today on XX/XX/XXXX. Notice that the {$1600.00} is not shown anywhere in the account and there is no indication anywhere that it was added back into my account ).
Complaint sub-issue: Was not notified of investigation status or results

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late that are not true. 
I see an account that does not belong to me.
Complaint sub-issue: Debt was result of identity theft

Collectors Name : ENHANCED RECOVERY CO L Account Info : XXXX Creditors Name : XXXX XXXX XXXX Open Date : XX/XX/2018 Balance : {$230.00} Debt : {$230.00} Contact Info : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Complaint sub-issue: Frequent or repeated calls

I do not owe the amount that this company claims. The so called debt is related to XXXX and my attending this online institution. I was enrolled for a year and a half but dropped out after the third week of the second semester in 2017 the university received their payment for the class then I decided that this program was not for me. XXXX still claims I owe them this debt when they were paid for the class..
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XXXX the XXXX at XXXXXXXX XXXX I had done a card to bank transfer from US Bank ReliaCard to XXXX XXXX for {$100.00} the transfer was never completed nor did it come back I was given two different Trace numbers and told to resolve the problem myself that they didn't do that because I was with a prepaid card that I didn't ask for I've asked for my pua pandemic payments to be direct deposited and they will not do it they say we have to have the debit card however the next one took place on XX/XX/XXXX at XXXX XXXX. a card to bank transfer from my US Bank ReliaCard accidentally done to XXXX XXXX XXXX for {$50.00} XXXX XXXX was contacted and they never received anything that they had turned around it never went to them and my bank is saying that they can't do anything but possibly put a trace on it and they want me to do the leg work and find out where it went myself I have asked multiple times to have direct deposit to my personal bank account for this main reason here somebody's taking the money and they're not returning it and I'm tired of fighting with them I can't give you the proof physically because I do not get paper statements and my phone will not allow me to take screenshots of the transactions for security purposes
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$1200.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$190.00}
Complaint sub-issue: Unexpected increase in interest rate

Discover credit card company. I had a payment program with the company in order to reduce the credit balance and interest for about a year and some months now and I was told I can not make use of the card for the period of the payment program. This program started XXXX last year. After three months they stop the program without my notice and when I complained, they said It was a mistake and apologized, but the interest remained the same. And this has being going on for long time now. Why I am reporting them now is because the they deleted my automatic payment method because I complained about charging unnecessary amount before the due date. Now they made me missed a payment because my automatic payment was deleted and I was not aware about it and there was no message to indicate about their decision. I called to find out but they refused to speak but instead keep ending my calls. This morning I received a statement of my account with the amount times two of what I suppose to pay. I believe I have pay almost have of the credit balance but because of their fraudulent act. The money still remain High. Please I need this organization to look into this because they have scammed me a lot and they say I can do what ever I like. Maybe because they feel I am a nobody. The attached documents disclose the automatic payments I setup in my account but they deleted it because they want me to miss a payment so they could charge me more interest
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX sent me wrong item, took the item and then told me there was nothing I can do. So I went to my credit card company " citi '' and they sided with XXXX because XXXX told me to send nothing to my credit card company " they would not give me proof ''. XXXX also said they received the product and will be refunding me but haven't yet because now it is on infinite loop for " item being sent back '' ... Then proceeds to ghost me.
Complaint sub-issue: Reporting company used your report improperly

My personal data was compromised in the Equifax hack that was reported in XXXX of 2017. I have n't yet been victim to identity theft, but the release of my financial details makes me susceptible to identity theft for the rest of my life. Equifax should be held accountable for collecting and releasing this personal information without my consent.
Complaint sub-issue: Information belongs to someone else

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$4100.00}