Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of XXXX date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020, I bought an instrument cluster for my XXXX. The XXXX garage tried to install it, but it is defective, forcing me to pay a repair bill of {$300.00}. 
During the process, I tried to contact XXXX and the seller directly. I was unable to reach EBay ( COVID-19 rollback of personnel ), emailed the seller with no response at all. 
My dispute was denied because I did not have the statement from the garage, now I do. 
I am also including the bill.
Complaint sub-issue: Information is not mine

As part of our divorce settlement, my ex wife agreed to take full responsibility of a vehicle loan. The car was always in her possession. My ex wife decided to make partial payments and non payments after our separation. I tried to explain the situation with the reporting agencies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Macys Credit Card Account : XXXX Macys pulled my credit without my consent. 
I spent hours and weeks. I tried to properly communicate with the Macys store. Poorly trained and when I tried to kindly address the situation to resolve it. I received very terrible responses. I did not create this problem but yet I have to fix it and call, inquire, question and it horrible the few that actually know what they are doing. Now we are going into XXXX and inquiries are still on my credit reports. I am also filing an XXXX since Citi bank is financial institution on the Macys card. This has taken so much time and because of these actions I have returned a {$1000.00} of purchases. I have emailed the ceo and contacted the executive office of Macys as to make sure the complaint is well known. Its sad how people hate there job at Macys and do not care to be ethical. It dies not take XXXX months to remove an inquiry/inquires. 
Its horrible to spend time of non sense because the system is broken. Look at the thousands of complaints on line. This will not be tolerated and accountability should take place. Absurd that XXXX person dos not handle!
Complaint sub-issue: Problem getting my free annual report

I requested and got my federally required free annual credit report from EQUIFAX On the report there are comment sections associated with the accounts. XXXX codes appear -- XXXX and XXXX in several of these sections throughout the report I have talked to 4 customer service reps at EQUIFAX and they have not been able to tell me what the codes mean. How can I find out what they mean? 
It is impossible to evaluate the report 's accuracy without that information. 
Customer service was totally unhelpful.
Complaint sub-issue: Account status

I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family.
Complaint sub-issue: Reporting company used your report improperly

I was looking at a copy of my consumer report and noticed some late payments being reported by Flagship Credit Acceptance by law that should be on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( 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 credit worthiness, credit standing, 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. This is how a consumer report should look by law and it doesn't say late payment to be on there in ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; it clear states transactions which late payments are should be excluded from my consumer report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. It is your duty to provide accurate information so i ask that the late payments on the account are updated to show OK or Paid as agreed
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Complaint sub-issue: Debt was result of identity theft

there are several accounts on my consumer report that are fraudulent ive sent the credit reporting agencies ftc reports identity theft affidavts and police reports and the fraudulent accounts are still being reported from XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX these accounts are fraudulent and in violation of the fcra and fdcpa and i will take legal action this seres as a notice that if theses accounts are not removed within 15 days legal action will be taken for contractual law universal law and statutory violations violations of 15 usc section 1681, 1681b, 1681 c2e,1681he and fcra section 609 and fdcpa 804b
Complaint sub-issue: Frequent or repeated calls

I have no idea who they are, why they are calling or anything about any debt I owe. I have already filed a complaint about this at which time they claimed to be validating the debt. To date I have not seen one peace of proof that I owe anything, who I owe it to or why they are sending repeated robocalls.
Complaint sub-issue: Debt was result of identity theft

IC Systems account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account. 



This company sent me a letter informing me that I have two accounts that was placed with their company for collection. I informed this company that I have no knowledge on either account and I asked for copies of the contracts I signed. I was informed that they have nothing and its currently being reported that to the credit agencies which is damaging my credit and I was informed that it will remain their until I pay on two accounts I have no knowledge of.
Complaint sub-issue: Reporting company used your report improperly

I am a Natural Person ; I am a human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand accounts listed below be removed because According to 15 USC 1681 I have right to privacy and i did not give Equifax written permission to furnish these accounts. 

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 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 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 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 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 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 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 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 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 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 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 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 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
Complaint sub-issue: No notice of investigation status/result

I have been disputing credit items with Equifax & XXXX for over a year now every month or so! I have never had a Mortgage with XXXX XXXX XXXX and there is no documentation proving this! I have asked numerous times to have this removed online and in writing! These credit reporting company 's have refused to provide the proof, there system is automated to send reply 's in there favor if information can not be provided. 
I had a Mortgage with XXXX XXXX loans!!!!!!!!!!
Complaint sub-issue: Debt was result of identity theft

CKS financial closed the account and sold it back to original creditor. Please remove from my credit file.

See attached letter from CKS
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data n my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE CONTACTED XXXX XXXX XXXX  XXXX XXXX AND I REQUESTED Notice for Proof of Claim Accounts : XXXX XXXX, XXXX c/o XXXX XXXX BANK XXXX XXXX it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs.
Complaint sub-issue: Information belongs to someone else

I called XXXX approximately XX/XX/2020 and requested information concerning the debt which they claim I owe them. XXXX refused to tell me anything about the alleged debt. I filed several disputes with Equifax concerning XXXX over the past year. each time I file the dispute there was no evidence submitted which proves that I owe the debt but Equifax still closed the dispute without proof that I owe the debt. Equifax kept the debt on my credit report. In retaliation XXXX reported monthly causing my credit score to plummet. Again on XX/XX/2020 I filed another dispute against XXXX. On XXXX XXXX I was notified that Equifax decreased my credit score by 29 points. Equifax cited derogatory remarks from XXXX as the change which caused the drop in my score. I called Equifax to ask them how could they decrease my score based on inaccurate information which is also in the dispute process. I was bounced around from person to person for about an hour. then I was simply hung up on. There has been no resolution to this problem and it has hurt my credit very much. No proof of debt owed has been provided by XXXX. I don't understand how Equifax is allowing this to occur. This is a total violation of FCA.
Complaint sub-issue: Account status

XXXX University XXXX XXXX has false reported to Equifax a {$5200.00} balance on my credit report when the Federal Government US Dept of Education discharged and paid all my student loans. I have disputed this account for 5 months with documentation and they still have not deleted the fraudulent info from my consumer agencies. I have never had a loan with them the Government controls all student loans and the University XXXX XXXX denies the fact that my account was left at a XXXX balance when I withdrew from them because of their grievious financial practices.
Complaint sub-issue: Account information incorrect

Greetings to you ; Please be advised, that I XXXX XXXX have tried on multiple occasions to dispute the inaccuracy of this account being negatively reported on my credit reports with EQUIFAX ; This account in question IS NOT THE CORRECT AMOUNT Being reported ; my son XXXX XXXX XXXX is now XXXX XXXX XXXX XXXX ; has been XXXX  as of XXXX  ; and his current XXXX is passed the XXXX XXXX limit to collect child support in the state of New York! 

In quoting ny.court.gov in which it clearly states : " In New York State, a child is entitled to be supported by his or her parents until the age of 21. However, if the child is under 21 years of age, and is married, or self-supporting, or in the military, the child is considered to be " emancipated '' and the parents ' support obligation ends. '' However, NYS DEPT OF SOC. SVC. CHILD SUPP AGENCY is Still attempting to collect child support illegally, and thus continuously reporting illegally to Equifax despite my many attempts to resolve this matter. 

Equifax has Failed to provide me PROOF that this account is 100 % accurate and the amount reported on my credit file is 100 % Accurate according to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), in which it states you are required by federal law to verify the accuracy of any reporting to my credit files, if disputed by a consumer, within 30 days. 

If this account ending in XXXX can not be verified as being accurately reporting with accurate amounts being listed as owed, It MUST be removed according to Fair Credit Reporting Act. and 15 US.C Sec. 1681 ( a )
Complaint sub-issue: Account information incorrect

I gave dispute multiple times no changes have been made accounts have be duplicated late payments appear that shouldn't due to covid-19 I've paid off debt and have not gotten any of my points back
Complaint sub-issue: Information is missing that should be on the report

For a long time now, over a year, my Discover credit card has not appeared on my XXXX credit report. 
I have tried to call Discover and XXXX to resolve this issue, to no avail. 
Around XX/XX/XXXX or so, I opened a dispute with XXXX about the issue. 
On XX/XX/XXXX, I was told the dispute is closed because they can not add items to my credit report as the result of a dispute, and refused to look into the issue further. 
Discover has assured me that they send monthly reports to XXXX just as they do the other bureaus, and on my request, has sent them off-cycle reports, so I believe the issue to be XXXX 's fault, despite their insistence that it is not and that they will not do anything about it. 
As a result of this, my XXXX credit score is XXXX points lower than my XXXX and XXXX scores.
Complaint sub-issue: Problem making or receiving payments

I am trying to use the Earnin app and XXXX is not letting me link my card.
Complaint sub-issue: Information belongs to someone else

I found a charged-off account from XXXX Card that does not belong to me on my credit report. I reached out to XXXX Card by certified mail requesting that they provide and prove the Validity of the Account. XXXX Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent XXXX Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. XXXX Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, XXXX Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including XXXX, XXXX, and Equifax ) from XXXX Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, XXXX Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX XXXX Card XXXX XXXX XXXX XXXX DE XXXX
Complaint sub-issue: Reporting company used your report improperly

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these inquires be immediately deleted from the credit file you maintain under my social security number. 
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
Complaint sub-issue: Fees charged for closing account

Dear CFPB, I hold a 5 Year CD that I opened with XXXX XXXX XXXX during XX/XX/2016, that was taken over by US Bank. I did not notice the letter before my CD renewed this past month, and US Bank has I contacted them, and they wanted more than {$150.00} to cancel the CD, which is more than 200 % of the the full amount of interest the CD will pay out over 5 years. They also renewed the CD at a rate that is low ( .25 % ), when other 5 Year CDs can be found at 3-4x that rate.

I believe their fee is usurious to cancel the CD and unreasonable given the CD just renewed this past month. 

Thanks, XXXX XXXX
Complaint sub-issue: Deposits or withdrawals

I was supposed to get my taxes and I kept asking and didnt wanted to to give me my XXXX and now they trying to say I wasnt getting my money because I was being rude. Still havent got my money! Happened on XX/XX/XXXX n its XXXX!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights.

15 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 a account without my written instructions 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 for any purpose