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

Very bad comoany I hate them Im a victim of fraud and they refuse to delete the fraud inqueires with my FTC report which they have by fax their system sent me confirmation saying deleted but their still reporting I call to tell them they tell me they dont care
Complaint sub-issue: Indicated you were committing crime by not paying debt

Discover card has blocked me from getting my consumer credit card into a payment program. I was working with a credit card service and XXXX from Discover card called me to allege fraud on my credit card. I was honest and explained that there was no fraud on my account that I was working with a company that I authorized to have access to my account. She unilaterally decided to change my account number, successfully blocking me from trying to get out of debt. 

On XX/XX/XXXX, XXXX contacted me demanding a payment. When I informed her that I did not have the ability to make a payment currently, she threatened that she knew my bank account number. I immediately said repeatedly that she and Discover had no authorization to take money from my account. On my own accord, I payed a payment of {$200.00} ( which a few cents credit ). Imagine my surprise when I receive an fraudulent email indicating that I verbally authorized a phone payment on XX/XX/XXXX, which was completely untrue. Obviously, XXXX and Discover realize that this practice is fraudulent, as she created the fake phone authorization in order to create a fraudulent paper trail. 

On XX/XX/XXXX, I confirmed that my credit card has finally made it into a payment program. I have received two additional phone calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX at XXXX EST from the fraud department. I have not take the phone calls, as I am tired of arguing with them and finally just wrote an email to the CEO, XXXX XXXX informing him of his Discover and XXXX 's unethical and illegal behavior. I suspect that they are going to alleged fraud again, so yank my credit card out of the payment program and block me again from trying to successfully pay my debt.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2020 XX/XX/2020 I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It  appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person. I am a living human being. I have right under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account list below to be removed because according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

I have a membership with XXXX. XXXX recommends credit cards on my profile based on odds of approval. So I decided to try luck with Discovery Credit Card. They denied my applications but also did a hard inquiry which caused my credit to go down 10 points. I believe this practice is unfair and illegal, since XXXX is recommending for me to apply. Also, I believe Discovery should delete the hard inquiry on my Credit report and do a pre approval on customers so it does not affect them for a period of time. 

Thank you. 
XXXX XXXX XXXX
Complaint sub-issue: Problem with statement of dispute

Good afternoon- I have requested on seven occasions now that Equifax remove inaccurate information from my account regarding XXXX . XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; Exquifax refuses to conduct a proper dispute. Letter is attached from XXXX.
Complaint sub-issue: Funds not received from closed account

I was informed my account would close on XX/XX/2021 and my remaining balance will be mailed to me via cashiers check - after being without my income the entire month of XXXX. 

State employees get paid once a month. 

On XX/XX/2021 XXXX XXXX the Branch Manager at US Bank in XXXX XXXX called me and informed me the account was closed and he has a ledger. He can write me a check but I need to get paperwork from my HR department proving the check was paid. Despite me previously showing my paystub. I asked XXXX to provide me with documentation of his request. 

Though it did not make sense since my account was in good standing with a positive balance. If the check was returned or not verified why would I have a positive balance? It would have been negative. 

I asked him several times and he has not responded to calls texts or emails. 

He then responds to the email after hours. 

I have been requesting this documentation for nearly a month and Us Bank repeatedly retracts their statement. 
Initially my account my was closing because the check returned. When I asked for proof that it returned they were unable to furnish it. 

Now that the account has closed and they are suppose to mail me my funds XXXX XXXX is saying he cant write me a check yet until he has proof that the check has been paid. So I am requesting proof from Us Bank that they were unable to verify the check. 

If my HR issues me a new check that Us Bank has already processed I would be in major legal problems- its fraudulent. 

Its contradictory. 
If the check was not verified I would not have funds available to refund. 


I have been getting the run around since XX/XX/2021.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. This account was never late XXXX XXXX Account XXXX : XXXX the following status incorrect and incomplete and its reporting inaccurate balances XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Mistaken Identity XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. This account is not in compliance per the FCRA due the reporting of unverified and Incomplete balances XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Old information reappears or never goes away

Since XXXX, all three major agencies reported inaccurate information. 

My credit was issued to XXXX XXXX XXXX XXXX, for a XXXX XXXX dollar house which was only sold for XXXX XXXX dollars and was never cleared. 

After 10 years of trying to correct their inaccurate accounts, especially XXXX XXXX XXXX reporting, which now is a ten year old account that state XXXX XXXX was a co signer, on a XXXX XXXX loan, another false fact and still appears after 9 years, only 7 years is kept, unless the law has changed. 

A private investigator told me they refused to issue me a new s.security number, and failed to correct their info. 

I began paying cash only, closed my three credit cards w/ only XXXX dollar credit limits, in XXXX, because they refused to clear the false records, I have had to pay maximum loan interest since XXXX. 

Check my records since XXXX, I built perfect credit for myself, XXXX and XXXX XXXX appeared w/ 20 plus credit cards and a XXXX XXXX house purchase, please check to see if their XXXX XXXX home in XXXX  la, was reported by XXXX XXXX XXXX , and who has continually put their names on my health and car insurance policies also. Their misinformation only caused a legal battle which may ensue if this matter is not cleared and correct within 90 days. 

Possibly a CLASS ACTION LAWSUIT IS NEEDED TO CORRECT THESE ILLEGALLY PRACTICES. 

Recent problem, I applied for a XXXX XXXX auto loan, with XXXX XXXX, just to check up on these agencies, and their illegal practices with my reports. 

They denied my loan based on Equifax reporting NO CREDIT SCORE, Their bureau electronically refuses to give me a credit score, and a inside score, Also refuses to mail me the report as stated by the laws on the credit denial sheet. After 10 years of requesting personally. 

The bank told me twice I was denied because Equifax refused to issue a score, but by company policy they can not write that on a piece of paper. 

ILLEGAL banking and credit bureau laws. 

They sent me a fake denial letter STATING, '' revolving loan '', " Credit bureau information not the reason for refusal '' This is cover up by federal agencies breaking laws and falsely reporting information. 

After 25 years, Three Credit Bureaus have been allowed to ruin my credit ability to survive and Under the 14th Amendment the RIGHT to pursue ... 

Please send me my inside score, credit score and report, with correct information. 
All without having to pay a cent to a bureau who has illegally kept my credit captive for a quarter of a century, documentation proves this has occurred, was never cleared as of XXXX, and accounts still falsely appear beyond the seven year limitation, and no report has been granted, I recently received one from experian, that is how I know XXXX XXXX and other false records still appear. 

Who is responsible for falsely reporting XXXX XXXX AND XXXX XXXX credit information on my SSecurity number after XXXX???
Complaint sub-issue: Was not notified of investigation status or results

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Information belongs to someone else

I submitted the documentation to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.
Complaint sub-issue: Didn't receive enough information to verify debt

I have sent a debt validation letter " TWO '' times on the following dates ( XX/XX/2022 and XX/XX/2022 ) and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I have my receipt of the certified mail that my letters were delivered. Please delete this information from my credit file and cease all collection activities immediately.
Complaint sub-issue: Public record information inaccurate

i have never file for bankruptcy me and my father have the same name this maybe the problem
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX  Inquiry Date XX/XX/2021
Complaint sub-issue: Public record information inaccurate

There appears to be a tax lien reporting on my report. I do not recognize this report. I went down to the courthouse to verify with the clerk that this is actually mine. It does not belong to me. In fact, the social security number is not stated on the lien. Please verify and get back to me with the proof in writing that the lien belongs to me with the clerk 's name, the time and date of the call and verification of my social security number. The clerk advised me that they do not report any information to the credit bureaus and they do not keep any record of the social security number due to the file being sealed and that only a court order can open this file. So this is going to be fun to witness.
Complaint sub-issue: Their investigation did not fix an error on your report

I keep calling about account that reporting inaccurate on my credit report and I dispute several of times and spoken with representatives on yesterday on XXXX the XXXX and I was told account previously investigating and representative told me they haven't received any responses and I stated if your not had any response from this within 30 days the file must be removed from file per Federal Credit Reporting Act 609 but account is showing close. The Bureau isn't obeying the laws their not above the laws. I ask to representative to provide me the method of validation it was refused
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting Act XXXX, account numbers : XXXX Deptofed/XXXX. 
XXXX equiant financial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Have violated my rights 15 U.S.C section 1681 section 602 A States : I have the right to privacy 15 U.S.C section 1681 section 604 A section 2 : It also reports a Consumer reporting agency Can not furnish a account without my written permission
Complaint sub-issue: Problem with personal statement of dispute

EQUIFAX : YOUR FRAUDULENT YOUR SELF! First your responsable for my Data Breech, Then youll open a dispute 1 day and not even give the dispute process a chance and youll close it the next. XXXX : 2 fraudulent accounts with you. XXXX XXXX it was closed but now its back open, cant do that its ILLEGAL. Another with you XXXX XXXX. XXXX open in XXXX was closed, XXXX open XXXX closed. But look there, its open again. Ive been victimized by someone or people that have opened banks, credit cards, cell phones, addresses, phone numbers, revolving credit, inquiries, y information is on the Dark Web. As late as XX/XX/XXXX. Someone is ruining my life and continuing on to try. 29+ accounts including bank accounts.EQUIFAX these inquiries ARE NOT MINE. Im fixing not ruining. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO I almost forgot, for you XXXX XXXX XXXX XXXX opened XX/XX/XXXX Acct # beginning with the first 6 numbers is all Im provided with, XXXX closed on XX/XX/XXXX for the amount of {$530.00}, Wards, opened XX/XX/XXXX closed XX/XX/XXXX with the amount owing of {$120.00}, and last but not least XXXX XXXX opened on XX/XX/XXXX closed on XX/XX/XXXX with a balance of {$1000.00} all 3 of you companies will be getting thee notification that, and it gives me pleasure, all 3 were closed due to fraudulent charges! TAKE OFF MY CREDIT REPORT! Already. XXXX!!!! XXXX!!!! Do I have your attention, the inquiries are not mine, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I have ALL my reports LOCKED HOW ARE THEY STILL GETTING IN FILE?????
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, 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 15 U.S. Code 1605 - Determination of finance charge
Complaint sub-issue: Debt is not mine

AFNI is reporting that I owe XXXX {$1400.00}. This account could not belong to me, as it was opened when I was still a minor. I have contacted AFNI on several occasions to alert them of their error, and even disputed this account with the credit bureaus. Unfortunately, AFNI will not remove this mistake from my credit report.
Complaint sub-issue: Company closed your account

Discover Card is the company I just received an email late evening on yesterday stating that my card was closed due to inactivity. Are you guys serious? The whole world is in a crisis/pandemic and has been for a year now so of course I haven't used my card. For a while we weren't even supposed to leave the house due to quarantine. I had to take this serious as my mother who has XXXX lives with me. I have been trying to be responsible while being unemployed due to Covid by not using my cards and possibly not having a way to pay it back. I made sure all my cards were paid off to a XXXX balance and wanted to have it in case of emergency. Your rates are too high and therefore a lot of stores won't even accept your card just like XXXX XXXX. 

I take my credit serious and to know that if I was somewhere trying to use this card and got declined I would be really furious especially during times like this. I would like this decision to be reversed since I have been a good, faithful member with no late payments. There was no courtesy call or warning of closing my card just due to inactivity. This is ridiculous and unfair.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX and XXXX XXXX XXXX are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is still reporting fradugelent informat well over 60 days after I disputed and proved that the following accounts did not belong to me for XXXX & 5 accounts for XXXX XXXX. I received notification that the accounts for XXXX were being deleted but they were only marked as closed which is incorrect & I proved that with a police report, identity theft report, Picture ID & Social security card that none of those accounts are mine. I am asking again to please Permanetly delete these fraud accounts for XXXX XXXX XXXX XXXX {$85.00}, which is also listed on my report as XXXX   {$85.00}.
Complaint sub-issue: Didn't receive notice of right to dispute

I have a medical bill turned over to this company twice by the same hospital. The first time I received a forwarded letter from an old address that they had taken me to court and were going to garnish my wages. Not to mention the fact that the only reason I owed this debt is because the hospital did not file the claim in a timely manner with the correct insurance company. I tried to explain this but was told that I had to pay it anyway. I set up payment arrangements, updated all of my information. 
Just recently I received another forwarded letter that I had missed a court date and they were going to garnish my wages. Keep in mind that this company has all of my updated information. The hospital does as well. Yet it was still sent to an address that I have not lived at in more than 18 months. Once again the hospital did not file the claim in a timely manner with the correct insurance company. So now I've missed 2 court dates that I had no clue about and my wages are in the process of being garnished. Mendelson informed me that there was nothing I could do but pay the claims. I do not think this is fair or correct. Especially when this company was very well aware of where I live, my phone number, and where I work. Of course, they didn't have a problem filing garnishment with my employer. Yet didn't feel the need to update my information so that I could show up to a court date and dispute my case. I do have letters from my primary and secondary insurance companies showing that I had insurance and that nothing was filed on the dates that I am being garnished for.