Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

I noticed several unauthorized transactions made on my cashapp account onXXXX XX/XX/XXXX. I contacted cashapp about this situation on XX/XX/XXXX as soon as I noticed unauthorized transactions were made on my account. I never used my card with the merchants where the unauthorized transactions were made. I reported the unauthorized transactions as soon as I noticed them. XXXX {$160.00} XX/XX/XXXX at XXXX XXXX- {$290.00} XX/XX/XXXX at XXXX XXXX- {$160.00} XX/XX/XXXX XXXX XXXX XXXX- {$170.00} XX/XX/XXXX at XXXX XXXX XXXX {$110.00} XX/XX/XXXX at XXXX XXXX- {$7.00} XX/XX/XXXX at XXXX XXXX- {$7.00} XX/XX/XXXX at XXXX Unauthorized charges were made on my account, I never used my card with any of these merchants to authorize any of the unauthorized charges that were made on my account.
Complaint sub-issue: Public record information inaccurate

I have a bankruptcy that is being reported on my credit reports and that is inaccurate! My husband and I ALMOST went thru with bankruptcy but backed out..this is inaccurate information and needs to be removed from my credit report immediately
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent Equifax several disputes since XX/XX/2020 and yet until I submitted a complaint through this portal have I received a response regarding my information does not match their records and that I need to send in a legible copy of my drivers license and etc. I've used the same copy of my license, social security card, and utility bill and never had a issue. This is unacceptable and a blatant refusal to honor my request so we are going to try this again Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, XXXX, and Equifax in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX  ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.
Complaint sub-issue: Investigation took more than 30 days

ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS
Complaint sub-issue: Information belongs to someone else

THESE ACCOIUNTS ARE NOT MY ACCOUNTS
Complaint sub-issue: Didn't receive notice of right to dispute

Sent a debt validation request and was refused by NEMO collection agency. Please see my attached evidence for the refused delivery marked by the USPS office. I never received my right to dispute the debt as allowed under the FDCPA & FCRA act. The debt was just added to my credit reports without knowledge. I can not have my right to dispute or request validation of the debt and HIPPA consent requested. This debt must be removed immediately due to refusal to allow my validation of the medical debt in question. Now once you review this complaint you will know my rights and request and will be under the statue to comply. Also sent a fax on XX/XX/2019 Letter attached for Nemo Collections Returned Envelope marked as refused by postal worker attached.
Complaint sub-issue: Debt was paid

on XX/XX/XXXX I sent a dispute letter and credit bureaus responded with the debt was verified, but last on XX/XX/XXXX I paid the debt for a deletion off of credit file.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I pulled my Consumer reports in preparation to buy a house and noticed a host of accounts that are inaccurate, incomplete and that are just not in compliance with the FCRA. Attached youll find a copy of that Consumer report with the inaccuracies circled. Please help me with this matter.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXXXXX 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
Complaint sub-issue: Attempted to collect wrong amount

I recently found out that I have a debt collection on my credit report after a friend ran those reports for me. That being said, it says that I have a balance owed of {$410.00}. However, my final bill dated XX/XX/XXXX, from XXXX XXXX XXXX states that I owe XXXX. The first credit agency that had the collection stated {$240.00} as well. However, when the collection was sold off to another agency - IC systems - the amount had essentially doubled to what is now {$410.00}. My only theory is that they have included equipment that I had previously returned and you will find that tracking number below. I called XXXX XXXX XXXX and they too confirmed that they received that equipment back in XXXX. Below I will attach all the documents pertaining to this - the final XXXX XXXX XXXX bill, tracking number for equipment ( potentially what made the debt increase, but still does not justify why one collection agency had one amount and the other, another amount ), as well as the previous collection agency amount.
Complaint sub-issue: Information belongs to someone else

IN REGARDS TO EQUIFAX : XXXX. XXXX  XXXX XXXX GA XXXX I CAN'T CLEARLY UNDERSTAND HOW LONG THIS DATA BREACH COULD POSSIBLY BE GOING. THIS ADDRESS DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX DOES NOT BELONG TO ME AND I HAVE NEVER LIVED AT THIS LOCATION YET EQUIFAX REFUSES TO REMOVE IT WHEN I HAVE LIVED AT MY CURRENT ADDRESS SINCE XX/XX/2004 WHEN MY HOME WAS BUILT. 
EQUIFAX DATA REPORTING IS TRULY FRIVIOULOUS AND SOMETHING NEEDS TO BE DONE ABOUT THIS AGENCY AS THERE NEEDS TIGHTER GOVERNMENT RESTRICTIONS PLACED INTO ACTION ON THEM. I DON'T KNOW IF THIS ADDRESS IS LINKED TO A FRAUDULENT ACCOUNT THAT IS REPORTING ON MY REPORT BUT IT NEEDS TO BE REMOVED ASAP.
Complaint sub-issue: Reporting company used your report improperly

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 

Bankruptcy Reinsertion Also, there's an instance that the bankruptcy is being re-inserted in my credit report. It was disputed and has been deleted. It has defamed my character to lenders, held me back from getting my home and a host of other things
Complaint sub-issue: Reinserted previously deleted info

Afni Collection ( XXXX ) was removed from my credit reports on XX/XX/2015. Now they are back on my XXXX report.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Account status incorrect

EQUIFAX IS RETALIATING AGAINST ME EVERY TIME I REPORT AN ISSUE TO THE CFPB THEY DO SOMETHING ELSE FRAUDULENT. THIS TIME THEY FAILED TO CORRECT MY SCORE AND ACKNOWLEDGE THE DELETIONS OF MY MORTGAGE COMPANY. THE MORTGAGE COMPANY STATED THEY INFORMED EQUIFAX IN XXXX. I ALSO OBTAINED AN INCREASE IN MY CREDIT. WHILE THE OTHER BUREAUS RAISED MY SCORE THEY DECREASED MY SCORE BY 40 POINTS.  THERE IS SOMETHING VERY FRAUDULENT GOING ON. THEY SEEM TO BE ATTACKING ME PERSONALLY. I WOULD LIKE AN INVESTIGATION.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX/CBNA, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/CBNA, XXXX XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Reporting company used your report improperly

Hello there are some inaccuracies on my credit file. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. There are closed accounts or zero balance accounts with NO late payments that should have been closed or removed. I have contacted Equifax, XXXX XXXX, and XXXX several times. Per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Complaint sub-issue: Account status incorrect

I have been a Discover Customer with Positive Payment History since XXXX. After putting a Increase for Deposit Increase on my Secured Card that was a instant with my Authorized User that was originally XXXX XXXX XXXX XXXX which, is now XXXX XXXX XXXX  changed his name and I submitted name change documents and his bank was rejecting the Payment because the name was Primary on the Account with XXXX XXXX we have already fixed the Issue and he now has a Discover Card that I'm authorized on however during this Investigation Discover didn't allow me to make a Payment resulting in the 30 Day Late. I'm trying to better myself with a relationship with Discover to get a  unsecured card as well as, buy a House, and the removal of the Late Payment would help that that the Balance is Paid in Full. Please respond accordingly so I don't have to reach out to Discover CEO XXXX XXXX Executive Department
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account XXXX XXXX bal XXXX acc number XXXX XXXX  bal XXXX acc number XXXX XXXX bal XXXX acc number XXXX.Has violated my rights. 15 U.S.C 1681 section 602A states I have a right to privacy. 15 U.S.C 1681 section 604A section 2.It also states consumer reporting agency can not furnish a account without my written instructions ... my ss number is XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and have learn that my personal information was used to open accounts at these companies. i have filed a identity theft report with the federal trade commission to support my request. please see attached 3 page FTC report number XXXX Im also including my Drivers license, Social security card and my current utility bill to support my request. i have sent certified mail requesting valid contracts from each company with so response.
Complaint sub-issue: Information belongs to someone else

The credit bureau is continuing to report an erroneous report on my credit file from XXXX. XXXX responded to the CFPB complaint and acknowledged that they are not a licensed collection agency in the state of Florida and misrepresented that they have responded to my certified letter requesting validation of the debt. I filed a dispute with the credit bureau requesting written validation of the debt, and the only response I received was a statement telling me that the debt was validated but provided me with no information or written documentation. XXXX is not legally licensed to collect a debt in Florida, and they can not report that they are collecting a debt on my credit report. I have filed a complaint with the Florida Attorney Generals ' office. I am requesting that the credit bureau be investigated and that the account from XXXX be immediately deleted from my credit report.
Complaint sub-issue: Account status incorrect

My mortgage lender requested my credit report from Equifax, XXXX  and XXXX XXXX via Equifax Mortgage Solutions. Equifax Mortgage Solutions collected my credit report from XXXX  and reported it to me in a document called " Credit Score Disclosure '' and to my lender. The disclosure indicated that my XXXX  Credit score was XXXX and that 4 key factors were adversely affecting my score including : " 12 length of time revolving accounts have been established, 01 amount owed on accounts is too high, 14 length of time accounts have been established, and 10 ratio of balance to limit on bank revolving or other rev accts too high. '' After receiving this disclosure we requested a copy of my credit report from XXXX. My XXXX  report listed only 1 revolving credit account with a low balance, and a note on that account indicating that the balance was " low '' - not " too high. '' There was no revolving account on the report with a high balance. We contacted XXXX  to ask them why they reported different information to us than they reported to Equifax Mortgage Solutions. XXXX  told us twice in two different phone calls that they did not make those comments about my revolving account balance and that we needed to discuss the matter with Equifax Mortgage Solutions - and in fact my report from XXXX  says I " have no negative factor impacting [ my ] score. '' XXXX  said that they did not report that the account balance is too high, they explained to me that Equifax Mortgage Solutions derive their own conclusions from the information they received from XXXX. Next I called Equifax Mortgage Solutions, they said that I can not dispute these comments with them, that I need to contact XXXX. XXXX  is asserting that they did not provide any negative comments. The net result of this is that my credit score which Equifax Mortgage Solutions reported to my lender is lower, there are inaccurate comments about my accounts that are adversely affecting my score - and neither Equifax Mortgage Solutions nor XXXX  are taking responsibility. In fact these two companies are refusing to let me dispute this inaccurate information.
Complaint sub-issue: Personal information incorrect

I have had to file this complaint MULTIPLE TIMES. EQUIFAX IS XXXX  GARBAGE WHO CONTINUES TO USE MY INCORRECT NAME WHEN I HAVE REPEATEDLY SEND THEM MY LEGAL DOCUMENTS TO PROVE MY LEGAL NAME CHANGE. THEY CONTINUE TO SEND ME EMAILS ADDRESSED TO MY PREVIOUS NAME WHICH IS VERY TRIGGERING AND UPSETTING, AND IN NO WAY REFLECTS ANY OF MY LEGAL DOCUMENTS. THEY REPEATEDLY CHANGE IT AND THEN CHANGE IT RIGHT BACK. THIS IS XXXX  AND UPSETTING EACH AND EVERY TIME. THEY REFUSE TO COMMUNICATE WITH ME OR TO CORRECT MY CREDIT REPORT. I LOST MY MORTGAGE THAT I HAD PREVIOUSLY BEEN PREAPPROVED FOR BECAUSE OF THEIR MISREPORTING. I LOST THE RENTAL HOME I APPLIED FOR BECAUSE MY NAME ON MY LEGAL XXXX DOCUMENTS DID NOT MATCH WHAT EQUIFAX HAD INCORRECTLY DISPLAYED ON MY XXXX CREDIT REPORT EVEN THOUGH I HAVE SENT THEM INVASIVE LEGAL DOCUMENTS PROVING MY LEGAL NAME MULTIPLE TIMES. I BECAME XXXX FOR OVER A MONTH BECAUSE OF THEIR GROSS XXXX AND NEGLIGENCE.
Complaint sub-issue: Debt was paid

I recently received my credit report where I saw this debt was listed. I had no knowledge of this account ever existing. In an attempt, to resolve this matter quickly and restore my good credit report, I contacted the company via written communication and offered to settle this debt, and in exchange they would remove this account, that does not belong to me, from all of my credit reports within 15 days. In addition to this written correspondence, the company also received a check to settle the account in full, under the terms that all info related to this account would be deleted from all credit reporting agencies. The check to settle this account was cashed on   XXXX   XXXX   XXXX    , but the account remains on my reports.
Complaint sub-issue: Investigation took more than 30 days

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$550.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$490.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX ONLINE IN SV ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX Balance : {$490.00} INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$490.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 filed complaints with XXXX concerning misleading and false reporting which is a violation of my consumer rights pursuant FDCPA/FCRA consumer laws that were created to protect consumers from such activity that this company is engaging in in relation to my personal credit reports in their database. The failure of this company to follow the law has led me into financial hardship, I have included documents that is backed word for word with the law showing this company how it is violating my consumer rights, and breaking the law!
Complaint sub-issue: Didn't receive notice of right to dispute

Macy 's offered a phone settlement for a debt but did I did not accept it if it would harm my credit score. They did not give me a written statement about what a charge off account is. They did not inform me that I would be unable to speak with there credit card reporting service department. And they made me believe that if the debt once paid on my Macy 's card that they would remove the inaccurate information on my file. Well, none of these things happen. The Macy 's executive office incorrectly believes I signed a settlement offer, which I did not. And the information provided to me by Macy 's has been false. 

I would like Macy 's to investigate whether I signed a proper settlement, that I was informed of the consequences on my credit report and that they followed correct protocol. 

I hope that they provide all the information from this investigation to me regarding the situational " acceptance offer '' of a settlement offer which I never accepted.
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 719XXXX 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 XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Didn't receive notice of right to dispute

I recently reviewed my credit report in XX/XX/2020 and I found a collection account named AFNI. AFNI did not send me a notice of a debt. In fact, they do not even have my current mailing address. I have disputed this information with the credit bureaus. AFNI keeps closing and reopening this account on my credit report and re-aging it. AFNI is dishonest and less scrupulous.