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

Please review all attached documents for specific dates and examples of trying to resolve this matter. 

I notified XXXX XXXX XXXX XXXX that the information that is being reported on my credit report is inaccurate per 15 U.S. Code 1681s2 ( b ) and they sent a notice back saying it is verified. I Also notified XXXX, XXXX, Equifax and XXXX and the report came back as verified. I know this information is inaccurate because I tendered payment when I initially opened the account. Proof that payment was tendered as stated in 26 CFR 15a 453-1 ( e ) ( 1 ), the Department of the Treasury defines payment ( 1 ) Treatment as payment - ( i ) In general. A bond or other evidence of indebtedness ( hereinafter in this section referred to as an obligation ) issued by any person and payable on demand shall be treated as a payment in the year received, not as installment obligations payable in future years. In addition, an obligation issued by a corporation or a government or political subdivision thereof - ( A ) With interest coupons attached ( whether or not the obligation is readily tradable in an established securities market ), ( B ) In registered form ( other than an obligation issued in registered form which the taxpayer establishes will not be readily tradable in an established securities market ), or ( C ) In any other form designed to render such obligation readily tradable in an established securities market, shall be treated as a payment in the year received, not as an installment obligation payable in future years. 

Sec. 401. The sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange, or bankers ' acceptances acquired under the provisions of this act, any Federal Reserve bank making such deposit in the manner prescribed by the Secretary of the Treasury shall be entitled to receive from the Comptroller of the Currency circulating notes in blank, duly registered and countersigned. 
The Act further states, We have provided that any direct obligations of the United States or any notes, drafts, bills of exchange, or bankers ' acceptances acquired by Federal Reserve banks may be deposited with the Treasurer of the United States or with the Federal Reserve agents, and upon these securities Federal Reserve bank notes may be issued. In case of the deposit of the obligations of the Government, the issue of Federal Reserve bank notes may be for the entire amount of such securities. 

XXXX XXXX XXXX XXXX is continuing to furnish inaccurate account information to credit reporting companies, including wrongly reporting late payments. This is heavily tarnishing my consumer credit report at no fault of my own. This false reporting has been illegally tarnishing my financial reputation and overall consumer report.
Complaint sub-issue: Reporting company used your report improperly

I am writing this complaint with regards to the data breach of Equifax data reported on XXXX XXXX 2017 ( but discovered in late XX/XX/XXXX ). I am upset for these reasons : 1. That Equifax allowed this to happen ion the first place.
2. They do n't offer lifetime credit monitoring for free, instead only offering a year.
3. Signing up for this year requires me to relinquish my right to join in a class action lawsuit Please punish this company severely for this breach of trust.
Complaint sub-issue: Account information incorrect

I tried to dispute two accounts that I closed and update balances on existing accounts, Equifaxs online dispute does not allow me access although I enter all my information and answer their verification questions correctly. I closed my XXXX XXXX, XXXX and one XXXX Account. XXXX XXXX, XXXX XXXX Visa, XXXX XXXX Master Card all have a {$0.00} balance. My other XXXX credit card has a balance of {$52.00}. It extremely frustrating to try to dispute or even contact Equifax, as they either dont investigate or update accounts properly, or make it nearly impossible for consumers to contact them. And because the outsource their customer service dept is a struggle to comunicate property and convey information
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT, THOSE NEGATIVE INACCURACIES NEED TO BE REMOVED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I STARTED CHECKING MY CREDIT FOR ACCURACIES. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER.
Complaint sub-issue: Information belongs to someone else

This is a complaint against XXXX XXXX XXXX. I already disputed the account from them, named XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under Equifax and XXXX. However, on my updated credit reports dated XX/XX/XXXX, it appears to have been added again under the same name XXXX XXXX XXXX & is being reported negative but with different account numbers ( in Equifax it shows XXXX & in XXXX it's XXXX ) which resembles the same account number from the first one I mentioned above that I disputed and was deleted before ( XXXX XXXX XXXX XXXX ). I want this to be removed as it is very illegal to add on removed fraudulent accounts. When I spoke to them, they told me I was making a good financial investment and enticed me saying it has some tax benefits similar to owning a second home. During the presentation there was definitely pressure to sign up that day, 1 ) special pricing only applied to moment in time, once I left, price would go up, 2 ) they spoke about how XXXX was joining the suite of resorts and one negotiation complete the price would go up exponentially. They made it sound like a bonus that ownership passed to my heirs. I later found out that there would be no way for my eldest to refuse unless he refused the estate, this is a huge liability as my son & daughter are both XXXX XXXX and would not have means to pay maintenance fees or travel expenses to destinations. This forced liability was not disclosed properly. I've had difficulties with this such as in the first year, my maintenance fees were due in XXXX and then again in XXXX, this was a definite hardship. Also they advertised this as ownership similar to owning a him and there would be tax advantages but upon preparing my tax return, I learned that this was not the case. All I got from this timeshare are difficulties, I have XXXX/XXXX, XXXX XXXX  and having this timeshare just adds up to the stress & hardships. I'm also worried about the well-being of my XXXX XXXX XXXX children to be burdened with the forced inheritance of this agreement as per abovementioned. I've had the worst experience with this timeshare, finding out all the inconsistencies as time went on, the financial misrepresentations are infuriating, couple all of that with covid and there being only 2 locations in the continental US that I could have possibly utilized in XXXX and growing uncertainty if future ability to travel via airplane, it is a moot point to continue. They lied, they withheld important information & given my age ( XXXX ) at the time, I was simply defrauded & taken advantage of.
Complaint sub-issue: Debt was paid

I Consumer XXXX never entered into a consumer credit transaction with ECMC. I used my credit card as defined under 15 USC 1602 ( l ) with XXXX in 2004. Somehow ECMC has taken my credit and got a loan and has begun to violate 15 USC 1692e because they falsely represented the status of a debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed complaints and tried to resolve this with each credit bureau ( Equifax, XXXX, and XXXX ). After their investigation which went beyond the required 30 days and they have yet to remove the late payment reporting. 

Dispute : I did an investigation on my credit report which has caused severe XXXX in me and found inaccurate and questionable items that the agencies did not make sure were reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681 e ( b ) and 15 U>S> Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me the consumer and XXXX XXXX and should be excluded from my credit report. 



603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standingXXXX XXXX XXXX - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2021 US Bank Cardmember Service XXXX XXXX XXXX, XXXX, ND XXXX To whom it may concern, On XX/XX/2021, at approximately XXXX XXXX, I received several calls from US Bank fraud center alerting me that a fraudulent charge may have occurred on my credit card account, Upon reviewing the charge via the bank website, I confirmed that in fact an unauthorized charge occurred to XXXX for the amount of {$510.00}. I immediately returned the phone call to US Bank fraud center to report this fact. I spoke with a representative, who immediately cancelled the credit card number, issued a new credit card and disputed the charge. I was told that the charge would be reversed. 

On XX/XX/2021 I noticed that the charge was still on my credit card via the US Bank website. I contacted the US Bank fraud center by phone and was again told that the charge would be reversed. 

On XX/XX/XXXX, I received a letter by mail that stated that the fraudulent charge I received had never occurred and therefore the fraud claim was being dismissed with no action taken. I called the fraud center and spoke with a representative who told me that someone had made a mistake and that she could clearly see this was a fraudulent charge. She escalated the issue and told me I would be called by a manager within 48 hours. No one called. 

On XX/XX/2021 I called the Fraud Center again, to get an update, they told me that a manager had to call me. I told them no one called me and I wanted the issue resolved. They told me that there was nothing they could do. 

This is your notice that there is a mistake on my account, that the charge in question was not authorized by myself and that it is fraudulent. I am also notifying you that I am filing a complaint against US Bank to the Consumer Financial Protection Bureau about the issue stated in this letter since you have failed to act appropriately in resolving this matter. 

This letter will be emailed to you and sent through certified mail. 

Sincerely,
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$7500.00}. 
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 ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

on XXXX at XXXX Est i was contacted by someone who claimed to want to pay my debt off XXXX i doubted it at first because it seemed like to good to be true. usually im used to scammers asking for my information ( bank account #, passwords, etc. ). however, this time was different, the person offered me their bank information, account number and everything. The person then asked me to pay off my credit card in full, which i did with the bank information that they had given me. afterwards on XX/XX/XXXX they demanded that id buy them Gift cards from XX/XX/XXXX, saying that they just paid off my debt that it was the least i could do for them. so i did with the same credit card that they had cleared my debt off from. i bought {$800.00} worth in gift cards on XX/XX/XXXX, and another {$550.00} on XX/XX/XXXX. totaling {$1300.00}. the day after ( XX/XX/XXXX ), i was notified by best buy that the bank account used to pay off the original debt of {$1900.00} was cancelled and could not submit the payment. AFTER i had already bought {$1300.00} worth of gift cards on the credit card. i contacted the person to ask about the bank account and why it was closed before the payment submitted but the never replied to me. i called best buy the next day ( XX/XX/XXXX ) ask reported that my card was used for fraudulent purchases of gift cards and that my debt had accumulated to about {$3700.00}. however they told me that they could not help because technically i made the purchases of the cards and because of that it was not considered fraud. however in my defence, if the payment had not gone through yet, why did best buy allow more charges to apply to the card. why didnt they put a lock on my purchases while the payment was being submitted. i do not believe that i should be held responsible for the debt that was scammed off my card because the cards were not used by me nor did i benefit from the purchase. this has caused an immense amount of stress in my life and i hope that you guys will help me resolve this nightmare that im in. thank you very much.
Complaint sub-issue: Debt was result of identity theft

I don't owe anything to ERC ( Original Creditor : XXXX XXXX ) with account number XXXX They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Complaint sub-issue: Was not notified of investigation status or results

Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.
Complaint sub-issue: Information belongs to someone else

I am concerned as to why I have previously filed a identity theft report for some fraudulent information on my file and the company did not do anything about it. 
I have filed the FTC identity theft report as required by FCRA [ Fair Credit Reporting Act ], and have provided my identification, made it clear as to what information resulted from the identity theft and provided a statement from myself as the consumer involved. I sent the documentation via priority express and received a return receipt however, the agent states that they do not see anything that I sent in. The agent stated that when this information is submitted ( FTC report or police report ) the information will be removed without any questions. 
I am sending the information via this portal so that I KNOW and have third party proof they received the documents since I keep having this error. 
I have submitted an online dispute and it did not let me add the documentation like the agent stated. The reference number is XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

I have successfully disputed this account and had it removed from my credit files. It recently showed up again on both my XXXX and XXXX credit reports XX/XX/2019 with no notification to me. 

Its using 2 company names XXXX and Amerifinancial Solutions
Complaint sub-issue: Information belongs to someone else

My ex husband forged my name on a vehicle loan while we were still married. Its still on my credit report. It needs to be removed ASAP. 
Ally financial will not remove it. It was paid off in settlement for {$26000.00} Date opened was XX/XX/2010. I disputed it but they still will not remove.
Complaint sub-issue: Reporting company used your report improperly

I noticed that there was a medical bill reporting to my credit and I believe that medical bills were supposed to be private information and I never gave out my medical information to any collection companies.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA XXXX XXXX payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$130.00} XXXX XXXX account. $ XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Account charged off.
Complaint sub-issue: Debt is not yours

account was placed on my credit report as a collection, I disputed with the credit bureau and it came back as accurate, I spoke too many times with the collection agency and they were rude and won't help me or verify any information. 
I called the collection agency on XX/XX/2020 and I asked for the name and he gave me a different spelling name but it's similar to mine.
Complaint sub-issue: Reporting company used your report improperly

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX Missed LATE Payments last reported {$960.00} XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX late payments last reported {$590.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX Missed late payments last reported XX/XX/2022, and XXXXXXXX XXXX XXXX XXXX Missed late payment last reported XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Missed late payments last reported XX/XX/2022. XXXX XXXX XXXX XXXX {$8900.00} XXXX owe them that's in collections they are not the original creditors. 

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 XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I sent Equifax a dispute letter ( attached ) disputing a collection account that is listed on my credit report that is fraudulent. On XX/XX/XXXX, I was notified that Equifax  placed a XXXX XXXX XXXX XXXX  account in dispute status instead of the following account : Collector : XXXX XXXX XXXX Original Creditor : XXXX XXXX Date Assigned : XX/XX/XXXX Acct : XXXX Original Amount : {$86.00} Balance Owed : {$110.00} Date Reported : XX/XX/XXXX On XX/XX/XXXX, Equifax received my received my dispute and has refused to place the fraudulent account in dispute and remove the account due identity theft. Based on the my original request on XX/XX/XXXX, I am requesting Equifax to block the information from my credit file and remove the dispute status from the XXXX XXXX XXXX XXXX  account that I did not put in dispute. If Equifax fails to take the requested action, I will file a lawsuit for violation of the FCRA.