Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information

Several week ago I filed a dispute with Equifax to remove an inquiry from XXXX XXXX. Below is the dispute I placed with Equifax .... 
" THIS DISPUTE IS WITH XXXX XXXX. ON XX/XX/XXXX I DID AN ONLINE APPLICATION. XXXX PULLED XXXX HARD INQUIRY FOR XXXX APPLICATION XXXX AND XXXX OF XXXX. I WAS TOLD BY XXXX THAT I NEED TO CONTACT EQUIFAX. EQUIFAX WOULD CONTACT XXXX AND XXXX WOULD TELL EQUIFAX THAT XXXX OF THE INQUIRY SHOULD BE MOVED TO THE SOFT SECTION OF MY REPORT. 
Instead Equifax placed my dispute as a statement in the " Consumer Statement '' section of my credit report. After finding this out, I placed a dispute with Equifax again and wrote this ... " PLEASE REMOVE THE " CONSUMER STATEMENT ''. THAT WAS MISTAKENLY PLACED ON MY CREDIT FILE BY EQUIFAX. I WAS DISPUTING AN INQUIRY ON MY CREDIT REPORT NOT FILING A " CONSUMER STATEMENT ''. PLEASE REMOVE THE " CONSUMER STATEMENT ''. THE INQUIRY WAS REMOVED BY XXXX SOME 23 WEEKS AGO. 
Again Equifax placed my dispute in the " Consumer Statement '' section of my credit report. I do not know if my efforts with XXXX had the inquiry removed or if Equifax had it removed. 
What I would like the CFPB to do is contact Equifax and have the " Consumer Statement '' section cleared. There should be no statement from me in the " Consumer Statement '' section of my Equifax credit report. Please have Equifax send me a corrected copy of my credit report. Thank You. XXXX XXXX XXXX I have enclosed a copy of my XX/XX/XXXX Equifax credit report. Please have Equifax remove any information from the " Consumer Statement '' section of my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Original Creditor Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Lexis Nexis is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named XXXX, but the address listed on the PACER database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response. 

The Company has also violated a multitude of The Consumers consumer rights based on FDCPA, TILA and the FCRA doctrines.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX,2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is XXXX disrespecting me as a XXXX Consumer, for several years these XXXX XXXX   tactics have been implored by XXXX  personnel within Equifax in an effort to suppress and sabotage my XXXX buying Power. On XX/XX/2020, I Sold and Closed on my at XXXX XXXX XXXX, XXXX, GA. XXXX. I had a Equity Loan with XXXX XXXX XXXX XXXX, theyve got their XXXX pennies, ( Money ) and I found out through XXXX XXXX  that theyve ( XXXX XXXX XXXX XXXX ) Reported to Equifax that Ive XXXX  Paid-in-Full this little XXXX Equity loan, but the XXXX XXXX XXXX   at Equifax refused to update this XXXX XXXX ( LOL ) on my Equifax Credit report! Im contacting the CFPB to be that XXXX third-party link when I take these XXXX  XXXX  to Federal court, Ive got the Financial Resources to legally FIGHT back and expose the XXXX against the me and other XXXX Consumers. I walked away with {$100000.00}, theres XXXX Consumer attorneys here in XXXX ready to dance to my music, that XXXX  Dollar, WOW, Nobody is Stopping me! Im in charge Now!
Complaint sub-issue: Their investigation did not fix an error on your report

I have attempted to file a dispute on the Equifax website many times. Each time, even though I am entering the correct information, I am receiving an error message that my entry ( s ) do not match their records. 

Let me point out that prior to this string of errors messages, I had been able to file a dispute entering the same information. 

Also, I have sent emails as instructed by their error message with no response.
Complaint sub-issue: Reporting company used your report improperly

They have been breached and the personal information of over 100 million people is out in the open and they need to take FULL responsibility for this.
Complaint sub-issue: Information belongs to someone else

On my reports there is a closed account with huge amount of missed payments. MACY'S/DSNB XX/XX/XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACY'S/DSNB has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is continuously reporting inaccurate information on my credit report. Equifax claims to have reached out to the data-furnish er ( which could only be XXXX XXXX ) in attempt to verify if a payment was made 4 years ago. It's against the law to report transactions and or experiences between a consumer and the person making the report.
Complaint sub-issue: Problem during payment process

This is for Elan Financial Services. In XX/XX/2019 I opened a card with Elan. First, they have astronomical fees that were not disclosed. I looked everywhere, there are no signs of any explanation. 

But the most important and alarming complaint : I attempted to link my XXXX XXXX XXXX XXXX account to them. Not only did they reject the account number on XX/XX/XXXX ( which I can live with ), but the letter they sent said they sent my payment back to them!??? If it's the wrong account number how in the world could they send it back?! It gets better. My payment didn't come from that credit union! So they took my {$400.00} payment on XX/XX/XXXX, from my XXXX XXXX  account, and they SENT IT BACK TO THE *WRONG* credit union account , which they already told me was " wrong ''! 
Anyone would freak out by this, so I instantly called them. The girl that answered was polite and agreed it was odd, and she suggested I file for a trace. Which I did. I supplied all the necessary documentation. They completely disregarded what I sent them and said the proof I sent was about my payment. 
YES! I KNOW! WHERE DID IT GET SENT TO!? 

I have a right to know where they randomly sent my {$400.00}, but I don't trust this company to help me get it back. I called again, and asked to talk to a manager. I couldn't believe it, the manager was less knowledgeable and more ignorant than the front line reps. He was incredibly rude. He also refused to look into my situation, and kept asking me over and over if I felt like he was giving bad customer service, in response to my questions. He was very confrontational and immature. 

That is only part of it. I DID link my XXXX XXXX  account to this card, XXXX same account my first payment came from. The one they sent to the " wrong '' bank ). Anyhow, I set up regular payments to pay at a set time every month, but they don't work like that. For 3 months in a row they took a random amount they chose ( all 3 different amounts, all at different times of the month ), to pay that bill. I only keep enough in there to pay the bill when it pulls, but they picked their own times and increments. And sure enough, they ALL got returned for insufficient funds! Again, all different fee amounts. 
It shows that the bills were paid online. Which is wrong. Plus I'm the only one who has access to this card. And my experience with them is, it won't do me any good. 

I've only had this card for 5 months and it's literally been XXXX. 

I'd really like, more than anything, to know what they did with my initial {$400.00}. 
And I'd like to know how they justify treating human beings so horribly.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I spoke to them letting them know I did not have any debt with them. I had debt with XXXX XXXX XXXX. I told them the amount of debt was wrong, but did not think that they should have any of my information knowing I had set an agreement with XXXX to pay back {$2000.00}. Some how they were in charge of my debt and they will not negotiate to the same terms as the people who I was obligated to. I am not obligated or did not sign up with this unknown company of Jefferson Capital Systems. I had an agreement with XXXX Credit Card, not them. Now they are trying sue me for an outrageous amount of {$5800.00}.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX, I opened a Citibank checking account ending in XXXX, and a savings account ending in XXXX. As explained in their " Priority Package '' promotion - opening both a savings and checking account, and depositing {$50000.00} minimum into checking for 60 days would earn a {$700.00} bonus payment. 

I deposited {$50000.00} into my checking account on XX/XX/XXXX - and left it in that account until XX/XX/XXXX - well beyond the 60 day requirement. 

Why did I never receive the {$700.00} promotion payment? 

I tried phone contacting Citi about this on XX/XX/XXXX. After spending an hour of being transferred between multiple representatives, waiting on hold many times, and continually having to verify my identity- no one could answer my question. I gave up. 

Just another example of how Citi gives false misleading information, and cheats customers.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested LexisNexis in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days LexisNexis responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, LexisNexis has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that LexisNexis uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more LexisNexis was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.
Complaint sub-issue: Account status incorrect

According to FCRA all information on my credit report must be verified and accurate. In accordance with the Fair Credit Reporting Act XXXX and Equifax has violated my rights. XXXX XXXX XXXX account number XXXX reporting inaccurate showing account open that is supposed to be closed. XXXX showing this account has been closed, FCRA says all report must be accurate, how can XXXX reporting this closed but not XXXX and Equifax! according to FCRA all inaccurate information must be correct or delete it.
Complaint sub-issue: Debt was result of identity theft

XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute. 
XXXX XXXX XXXX and XXXX I have reached out to the company and debt collector also made a dispute. 
XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute XX/XX/XXXX XXXX and XXXX I have reached out to the company and the debt collector also made a dispute. 
Date opened XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute. 
Date opened XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to company and debt collector also made a dispute. 
XXXX XXXX I have reached out to company and made a dispute. 
XXXX XXXX I have reached out to company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XX/XX/XXXX I have reached out to the company and made a dispute. 
XXXX XXXX i have reached out to the company and made a dispute. 
XX/XX/XXXX I have reached out to the company and made a dispute.
Complaint sub-issue: Attempted to collect wrong amount

I wanted to report the company Afterpay. Theyre unfairly charging me for a purchase I returned on XX/XX/2022 at XXXX, the merchant was XXXX XXXX I purchased a bird cage and returned it on the date mentioned above, they never acknowledged that I returned it and they even got refunded for it, and they unfairly sent me to collections for this. They mention that the refund went to a XXXX card that supposedly have, and I want to clarify that I just owe one XXXX card and does NOT end in the number theyre telling me. They create virtual cards for you to shop and that was the card that it was refunded to. The refund goes straight to the card that the item was purchased with, and if I wouldnt have purchased it though XXXX, they obviously wouldnt have records of it. 
Here Ill attach pictures of the emails they have been sending me as well of the receipt with the return proof.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX Ss # XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX XXXX XXXX  XXXX, CO XXXX I contacted XXXX XXXX XXXX XXXX  XXXX, CO XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Complaint sub-issue: Account opened as a result of fraud

My XXXX XXXX department accepted a direct deposit authorization form that had and electronic signature authorizing Citibank to began accepting my paychecks. I did not open a Citibank account and can not get any information on this account from the phone numbers they have
Complaint sub-issue: Contacted you after you asked them to stop

The company I work for monitors and records calls. I had asked XXXX XXXX @ XXXX XXXX to not call me at work ever. He agreed and contacted me by cell phone and email for normal contact. 

Today on XX/XX/XXXX he again called my work and harassed me. He immediately ask for payment of debt. I told him I was at work and could not talk. I asked him, on the call, to contact me outside of work and to remove the work number from his contact sheet. 

He immediately said that my not wanting to talk to him at the moment constituted me no wanting to pay and that he would go ahead and count me as non-payment. 

I was then forced to try to plea with XXXX while on the recorded line and being monitored by my employers. He hung up on me and I had to contact them outside of work. 

XXXX XXXX tone and conversation caused me to reveal information I did not want reveal to my employer. My employers are upset that I had taken company time to address these issues. Had XXXX XXXX not revealed my debt on the call or agreed to handle this outside of work, it would not have been an issue for my employer.
Complaint sub-issue: Reporting company used your report improperly

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

Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  # XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Trouble closing card

My name is XXXX XXXX My address : XXXX XXXX XXXX XXXX, XXXX  XXXX Amount : {$600.00}. 
DISPUTE CASE ID - XXXX XXXX Dear SIR or MADAM on Consumer Financial Protection Bureau! 
IN XXXX, everybody had XXXX ( Economy impact payment as rapidly as possible ) but i did not receive the card... 
On XXXX, XXXX i find out i quality to have the card but why didn't have the card. 
Check on old email, i find out the stament ... someone steal and use the card ... because all transaction unrecognized.. i call for customer service... than ... find out ... they SEND WRONG ADDRESS!! 
The address they delivered was XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX. My address without XXXX XXXX. 
This situation is not my fault. Because WRONG address < i dispute all transaction in this account because NOT ME! I DID fill out the dispute form and explained they send WRONG address ... they are DENIED my case.. with reason " i did not provide enough information to support the case.