Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

I have a cash app card provided by XXXX XXXX. I went out of town and lost my cash app card and the next day there were fraudulent charges totaling {$2100.00}. I contacted the company they took forever to respond to me they had no live agent help over email and XXXX  they were extremely negligent and not helpful at all. I explained the situation and what occurred and they had no response to anything I explained they simply just denied my claim and said that the card had been used and the PIN was entered. They don't know that my tablet was also in my bag that had my card and that most of my financial information is listed there. Regardless they showed that they could care less responded late and very vague and never addressed anything I sent them simply all they did was ask me a few questions and I responded and that was it I felt like I was talking to a robot everything that I mentioned that did not have to do with the questions they asked was disregarded and ignored. The fraudulent charges all occurred on the XXXX of XXXX. The first one was for {$970.00} followed by another charge for {$53.00}, and {$400.00} and {$87.00} and {$54.00} and {$580.00}. The company told me the decision is filed and pretty much has not offered any live support and ignored all my emails and never responds to me.
Complaint sub-issue: Account status incorrect

Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues
Complaint sub-issue: Didn't receive enough information to verify debt

Please be advised that Lending Club Corporation is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX through Lending Club Corporation. Lending Club Corporation is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XXXX  XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XXXX to XXXX XXXX, XXXX Lending Club Corporation lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, XXXX, XXXX  and XXXX XXXX respectively through a U.S. Supreme Court decision Henson v. Santander Consumer USA Inc. Third party transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, Lending Club Corporation must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the XXXX XXXX XXXX XXXX has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that Lending Club Corporation is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. Lending Club Corporation must delete and purge my file with all pertinent credit bureaus, period. 
XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXXXXXX {$440.00}
Complaint sub-issue: Didn't receive notice of right to dispute

To Whom It May Concern, I am writing you in regards to CFPB complaint # XXXX. According to United States Code 15 USC 1601. Be advised, Congress is aware that economic stability would be enhanced and the competition for consumer credit transactions would increase throughout financial institutions, which means my credit is needed. The goal of Congress is to ensure that all consumers, such as myself are aware of the proper use of credit and to know how to avoid the uninformed use of credit and to protect consumers against inaccurate and unfair credit billing and credit card practices. XXXX XXXX, I made an uninformed decision to enter into a consumer credit transaction with XXXX XXXX XXXX I made an uninformed decision to enter into an agreement without knowing the meaningful disclosure of the credit terms. Pursuant to Blacks Law Dictionary ( XXXX XXXX. 2004 ), an agreement is, a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was given a generic computerized agreement that is given to all consumers who enter a consumer credit transaction, without clear and conspicuous terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision, this debt becomes null and void. I, the consumer and natural person did not receive a printed adequate notice. Pursuant 15 USC 1602k. The adequate notice is to give me the pertinent facts clearly and conspicuously so that I had noticed and understood its meaning. XXXXXXXX XXXX XXXX had the choice of printing the notice, giving it to me on each periodic statement, or by other means to assure I was in receipt of the notice and I did not receive either. As a result of deception of this one-sided agreement, your institution shall remove any derogatory remarks. XXXX XXXX XXXX has already updated the account to a {$0.00} balance after making them aware of initial violation of reporting on my consumer report as a charge off which you all are still in violation of. XXXX 's ( canceled debt ) is defined as XXXX. XXXX does not go on a consumer report. You also stated that you mailed me something but did not verify my accurate mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX there is no other verification needed for my mailing address as I just provided it to you in this complaint. I have also attached complaints to attorney general. I expect to hear a response from you all within 15 days. Best Regards, XXXX : XXXX ' Without Prejudice. All Natural Inalienable Rights XXXX.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor did I authorize these credit inquiries.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit act this account violated my rights XXXX  # XXXX 15 U.S.C section 1681 section 602 states i have the right to privacy also states a consumer and reporting agency can not furnish an account without written instructions.
Complaint sub-issue: Account status incorrect

Equiafax did not send me any proof of their investigation and just sending their letter that they have received the proof of late payment. I was never late with XXXX  account. Also collection account is not belongs to me and i have never open the account wit this company see attached letter
Complaint sub-issue: Problem getting your free annual credit report

I contacted Equifax today, XX/XX/2020 and they would not allow for me to receive a free credit report. The first representative I spoke to on the phone asked me personal questions ( name, DOB, address, SS, etc ) and security questions. The first security question was about a mortgage and I said YES! We just moved into a new house on XX/XX/XXXX and I was surprised this was already listed with Equifax. I shared with him I would need to dig up this mortgage info because we had filed it away. He then proceeded to a second question about loans and I answered I have a student loan. I then took out the actual monthly statement from XXXX and read off the exact figure {$41.00}, XXXX XXXX this was from XXXX, 2020. It was after I shared this info that this Representative claimed I have " failed '' the security test!!! And he claimed Equifax would NOT give me a free credit report!!! 
I then proceeded to contact XXXX  and I contacted XXXX. Each of these credit reporting agencies gave me free credit reports in LESS THAN TWO MINUTES and neither of them asked me any SECURITY QUESTIONS! So what type of scam is Equifax running? And why are they not shut down for illegally denying free credit reports to US citizens? Thank you.
Complaint sub-issue: Information belongs to someone else

I was going over my credit reports XXXX XXXX, XXXX, Equifax and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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 1681 A Section 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Account terms

My credit score with Equifax went down XXXX points without any apparent reason. I collected all available information online and there was nothing. Apparently getting a copy of my credit report will not provide a credit score. I pay all my bills on time 100 % of the time. This change in my credit score could drastically affect my ability to get a mortgage. The entire process of credit scoring needs to be much more transparent to the consumer in order to be disputed. Knowing the rules of the scoring game in order to increase a persons score is extremely confusing. I believe that any change more than XXXX points to a person 's score should require a 60 day written notice in order to be disputed by the consumer.
Complaint sub-issue: Account information incorrect

So I called Equifax at XXXX PM on XX/XX/2022 I spoke to a young lady by the name of XXXX she stated to me that shes unable to remove any in accurate information thats on my credit report I have sent the letter XXXX letter I have uploaded and fax all the inquiries thats on my credit report are in accurate And I need them to remove it because its affecting Financially
Complaint sub-issue: Account status incorrect

I have been awarded a permanent and total XXXX discharge for my student loans. However, my accounts reflect a negative status.
Complaint sub-issue: Debt was paid

I paid/settled one of my collections on my credit report. I spoke with EOS and they said it would update with the XXXX. My XXXX has updated paid in the comments but still shows it as a active account on my credit report and not a closed one. I called EOS and explained that they updated I paid it but it still doesnt show a XXXX  balance with XXXX and is showing it still is a open account with them. I was told XXXX will update. I spoke with XXXX and disputed with them that it should show on my report as a closed account. They filed a dispute with EOS and I was told by XXXX that EOS states it validated and therefore they can not list it as a closed account. So my score is benign effect because it thinks I still have a open/active collection account. When I look at my XXXX account I see EOS but on that report it shows it was closed out as paid. I dont know how to get EOS or XXXX  to update my report with XXXX?
Complaint sub-issue: Information belongs to someone else

Please confirm with The Social Security Administration of my name on their file. They are one of the ones that told me to contact the credit agencies.
Complaint sub-issue: Account information incorrect

I have an Inquire from XXXX XXXX on XX/XX/2017 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
The inaccuracy has had negative effects on my score and consequently on my relationship with creditors. I am requesting that the item be removed.
Complaint sub-issue: Account status incorrect

My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.
Complaint sub-issue: Problem getting my free annual report

Eqifax stated that they were unable to provide an online report of my credit and wanted a mailed in request. Because my mail is not secure I do not desire a mailed copy and want an online report. Eqifax is denying me the option of an online report there for denying me the free annual report.
Complaint sub-issue: Debt was result of identity theft

I received a call from IC Systems regarding a account last week. Was told they just received a account opened in my maiden name in which I havent used in over 22 years. Also the rep couldnt provide any information. I requested validation ( a  wet signature ) of the contract. Told him it wasnt mine & I need more information. Was told they just received the account 7 days ago. However I received no letter, 3 calls in the same day after I requested No calls. And the account should still be in the validation period collector requesting payment. Huge FDCPA violation. I recorded the calls as well. This is Not my account and was not opened by me
Complaint sub-issue: Was not notified of investigation status or results

Hi my name is XXXX XXXX I originally filed a dispute on XX/XX/2021 I asked to have the following information deleted off my file. The items I need deleted are listed in the report. 
they have not been able to identify the items, they ignored my request to provide me with the documnts that they have on file that verifies the accounts I am disputing. This is my 2nd time trying to correct the situation. This is really holding me back from being able to get a new family car ; XXXX XXXX XXXX XXXX XXXX It is really important to me and my family that I am able to get this corrected as soon as possible
Complaint sub-issue: Their investigation did not fix an error on your report

Consumer have disputed inaccurate with EQUIFAX on about 4-5 occasions ( XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 ). EQUIFAX continues to willfully and negligently furnish this inaccurate accounts.
Complaint sub-issue: Account status incorrect

For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by XXXX XXXX that there should not be a XXXX status reported. I will be attaching a document from XXXX XXXX that shows proof from them that the account should not be in XXXX status. 
The account in question is : XXXX XXXX XXXX Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with XXXX XXXX - Received document to clear FC from XXXX XXXX XXXX - Talked to All three Credit bureau and filed dispute on XXXX XXXX - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.
Complaint sub-issue: Company closed your account

Sears Card. Sears did not answer when I disputed the account as I sent them several letters which there was no response. Sears sold the account in which they faulted to my dispute in several issues as well as phone calls in which they never return after talking to me. I also was told every time some would get back in which they never did it was just the run around and then they sold the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is my old address in which I updated in the dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. please remove them.
Complaint sub-issue: Public record information inaccurate

I have disputed a Chapter XXXX bankruptcy on my account with Equifax several times starting in XX/XX/2018 XX/XX/2018 and XX/XX/2018. I've asked them to verify and to reinvestigate this inaccurate tradeline on my credit report. Each time they've responded as it is verified. I requested verification of who they've spoke with, contact information of who verified and who was the original creditor and have not received any real evidence of this act. Equifax is not reporting 100 % accurately that this negative tradeline is mine. Each time they list a third party Credit Reporting Agency XXXX XXXX as the furnisher of this negative report. They are Violating FCRA laws by not reporting this information 100 % accurately. I sent a request to the Bankruptcy Court requesting of how they furnish or report this information and they stated that they do not report any information to any third party. I've enclosed the letter from the Courts, as well as the three dispute letters sent to Equifax and they're response. If they are getting this incorrect information from XXXX XXXX, why does my credit report shows the Bankruptcy Court as the furnisher and Not XXXX XXXX, furthermore why is the Court Stating that they don't report any information to any third party, but Equifax is allowed to do so using third parties as the furnisher, without any regard for the FCRA laws. I have frozen my report with XXXX XXXX and other Data Mining Companies as well as having it suppressed. I've included Letters from XXXX XXXX verifying the freeze dated XX/XX/2018 and Suppression of my file XX/XX/2018. I sent the 3rd dispute letter on XX/XX/2018 certified mail with an electronic receipt signed for by an Equifax representative on XX/XX/2018, see attachments.

A couple of days later I received a response from Equifax dated XX/XX/2018 verifying that the negative trade line was verified. An XXXX   computerized system used to verify, is not an accurate way to verify, especially if they are not checking with the Bankruptcy court. This adverse action is hurting me and preventing me from receiving the credit that I've worked hard to build over time, affecting my ability to get new credit. This negative tradeline is incorrect, they are Violating the FCRA laws. I want this negative trade line removed from my credit report. I am asking the CFPB to review all evidence that I've attached and enforce the federal laws that apply. I am wondering how is Equifax able to verify my information with XXXX XXXX if it is Frozen. They are not a Creditor or Collection Agency, or are they law enforcement that are by law able to see my report. I've added a copy of the Georgia Statement of Rights -- -I believe that Equifax is purposely violating this law, which is harming my Credit File and causing financial harm. I am pleading to the CFPB, for it's help in enforcing Consumer Laws. If this matter is not resolved with this complaint, I may have no choice but to Pursue Legal Actions Against Equifax for damages allowed for by the Credit Consumer Laws and the State of Georgia.
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 604A section 2 : also state consumer rights furnish an account without my written permissions 15 USC 1666B a creditor may not treat a payment on a credit card an open end credit plan as late for any purpose
Complaint sub-issue: Information is not mine

My wife XXXX XXXX went to apply for credit at XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/2016. We usually get 's a text message letting us know that we applied for credit. However, the inquiry went to my text message, and credit and not my wife 's credit. I do n't understand how my wife 's information with her social security number is going to my credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it and they told me that it 's legal to merge our credit reports and I disagree with this. My wife is her own person, and I am my own person, our credit reports should not be merged at all. I want them to fix them immediately. This is affecting me and my husband 's credit report and obtaining credit. When I put my SSN in for credit it should not be reporting to my wife 's credit and her should not be reporting to my credit report. Equifax just recently changed my name to my wife 's name on my credit report, I do n't understand that. This is affecting both of us really bad. This is illegal, we never gave them authorization, to change my name to my wife 's name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. I have so many inquiries that are not mines, and she has so many inquiries that are not hers. Please help us, someone must be accountable for this.
Complaint sub-issue: Their investigation did not fix an error on your report

The original Creditor has reported to the credit bureau by 2 different names : XXXX XXXX XXXX and XXXX XXXX. the date I voluntarily surrendered the vehicle due to not even having it less than 6 months and had an electrical issue first and then an air conditioning issue. The debt originated XXXX and should have long been removed in XXXX. I have disputed this numerous times with XXXX only for them to continue to deny my request to have it removed and they update my credit report which remains in my dispute. I have disputed this same company with Equifax and XXXX as well. 

PER Nevada Statute : In Nevada, debts based on verbal contracts, agreements made orally for the purchase of goods or services, have a statute of limitations of 4 years while written contracts have a 6 year limitation period.