Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX/XXXX CHXXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy XXXX/XXXX  CHXXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$210.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. XXXX and XXXX are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under 15 USC 1681a 2Ai as an exclusionary reporting. Equifax and XXXX are both reporting a collections account for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Complaint sub-issue: Information belongs to someone else

I wrote Equifax,   XXXX   XXXX   on numerous times and the item still not coming off or my credit report not being updated .I sent copies of letters that my name was stolen and social security thru identity theft and I m getting repeating inquires on my credit report, I called all   XXXX    c ompanies and wrote them.nothing is better done, I do n't think its fair that mhy credit score keep going down and being damaged every time I try to clear and fix it .someone trying to keep things in my name .I disputed all the inquires and they wont take it off, The  XXXX   bill fo r {$1400.00} not off  XXXX   XXXX   XXXX   XXXX   {$490.00},  XXXX  company for  a car lo an {$30000.00} that wont be taken off .Student loan that 's accurate and they still have the owe  .I be lieve the credit reporting agency is out to get people and not see you progress at all .I need my credit clear up soon as possible and I would like a rapid rescore this is hinder me and my family
Complaint sub-issue: Account status incorrect

XXXX, XXXX and XXXX  and not reporting accurate information regarding account with MOHELA as current and open. 

The account is being reported as closed with MOHELA which is inaccurate information regarding the CRA.
Complaint sub-issue: Problem with fraud alerts

RE : Equifax Temporary Freeze Lift Service tool free # XXXX ; automated not user friendly and telephone prompts malfunction. I was not prompted to provided my XXXX digit PIN Number by telephone and online Equifax service. On Tuesday, XXXX XXXX, 2016 I made five separate attempts to access the Temporary Freeze Lift from XXXX XXXX, 2016 to XXXX XXXX, 2016 to no avail. This morning XXXX XXXX, 2016 around XXXX, I telephone Equifax at XXXX and spoke with a live Customer Representative named XXXX . XXXX was instrumental in assisting me with the following : 1. Free Annual 2016 Credit Report ; 2. Educated me on the how long certain information remains on my credit history and provided me with a tool free number to speak with a customer representative that could temporary lift my credit freeze. XXXX was most professional, informative and very polite. The toll free number I telephone was XXXX, I spoke with customer representative " XXXX '' I repeated the above request mentioned and was told that she could assist me but I would have to pay a {$3.00} fee because I was speaking with a live rep. I explained to XXXX that Equifax system is programmed NOT to allow me to temporary lift a freeze online as well as thru Its automated system. XXXX told me she would assist me and asked for my credit card information. Due to nature of which I need the temporary lift, I gave XXXX this information. XXXX processed my credit card and charged me {$3.00} then told me that due to the fact that she 's located in the XXXX XXXX, it would take approximately 2 weeks before my request would be processed. I asked XXXX if I could speak with an American XXXX in the city and state of XXXX, GA and she told me no. The dates I need the lift is XX/XX/XXXX to XX/XX/XXXX. XXXX waited until she got my credit card information and processed my card before she told me that the dates I need wo n't happen. This is not good customer service and I request the following : 1. That Equifax reinstate me to use the automated temporary freeze lift and not have to give my confidential information to to foreigners outside the United States. 
2. Mail me a confirmation to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX # XXXX, XXXX, GA XXXX and that it has included me in the automated phone listing so I can once again access my own temporary freeze lift and not be sent outside the U.S. which is a major red flag in dealing with my personal confidential information. 
3. Allow me the opportunity to also conduct the temporary freeze lift online because It has also blocked me from doing it that way. 
3. Refund me my {$3.00} back to my card account because this is not my fault. 
4. Please reply back to me within five ( 5 ) business work days regarding my complaint issue. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Information belongs to someone else

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE. AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

After already paying off the debt through XXXX XXXX over a year and half ago it was removed from my credit immediately and now we went to check my credit again today and it popped back up on there in the amount of {$1400.00} and when I reached out to XXXX XXXX XXXX  they can not provide me with any information of phone calls, written notice, any account info. I provided that they give me all my info before going any further, spoke with my bank and they also do not understand why it popped back up on my credit when it has been paid for and already taken off my credit report once before. I am furious because this dropped my credit score of 43 points for no reason, they have no sent me any notice to dispute, no phone calls, no mailed forms etc. they have no info stored in their system that I owe this. Its very frustrating due to the fact I was suppose to be getting my loan for my house today and this stopped me because they have falsified information and have no proof of the debt still being owed. It was paid for once in the amount of {$840.00} and taken off my credit and now they jacked it up to {$1400.00} and no explanation of why or how it happened. Theyre clueless and if this isnt taken care of Im reporting to the XXXX and getting a attorney involved. 

XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello as you can see by my previous reports, I am a victim of identity fraud. I have recently found out that there were new inquires on my report that pertain to Fraud, and other inquiries that are duplicates and inquiries I was told will not be a Hard inquiry but are and I have tried to resolve this issue with all 3 agencies and the creditors, and I am told by the creditors they don't have my information to remove so they can not help me and then i am told by the credit agency only the creditor can remove an inquiry which is not possible if they don't have me and were not authorized or duplicated. So, I would like these Credit agencies to take this more seriously when it comes to true fraud victims and disputes and not be giving the run around like I have been given. Seems like this is always an issue. Being I have Alerts, Fraud Protection, freezes, Locks, I pay for memberships on top of the memberships, and my reports come unlocked or unfrozen due to a quote-on-quote glitch in the system, I would expect it to be taken care of and listen to their customers if they actually read notes and reports. I have inquiries that do ot belong on my report I would like removed, whether fraud or duplicates i already spoke to the creditors and they can not help being they advised I was only ran 1x and the other couple were fraud.
Complaint sub-issue: Funds not handled or disbursed as instructed

I submitted a dispute about my account to coamerica bank bank, the ssi.accout debit Mastercard used by the USA ssa.on XX/XX/2021 .about one XXXX dollar amount and XXXX dollars worth of miscellaneous charges made against my account. Made by a person who has stolen my phone from my house. I made a police report and provided all of the information and details to the dispute department within the allotted time frame. They reimbursed me the XXXX dollars for the charge to the phone company used by the thief to continue my phone service., but found not to reimburse any other items from my claim. I'm XXXX and I don't have any recourse. My income is very small and this has caused me a great loss. I have the Records and the womans name and information that took my money.i have access to video confirmation of the theft.yet none will do anything. I have several other things that I have had done to me concerning financial issues. Is there anyone who can help me.
Complaint sub-issue: Debt is not yours

XX/XX/2021 I sent XXXX letter informing XXXX there are unauthorized and unverified accounts on my credit which are affecting my insurance rates and if can pleases remove immediately without be able to verify any accounts. It also shows the account debt was paid which also was NOT me. I gave it 30 days and still no response, so then XX/XX/XXXX I sent a letter demanding to comply and that I will take further actions if do not fix the problem. I know its law to at least get acknowledged or updated on investigation about inaccurate accounts with 30 days. I still have yet to get a response. So please help me get this removed as it is affecting my rates.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX / XXXX / {$11000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Complaint sub-issue: Debt is not yours

XX/XX/2018 - Total Card, Inc sends me random letter about a debt that isn't valid and is like 4-5 years old. This was the first and only contact and isn't valid.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CBNA aka Citibank did an inquiry on my XXXX credit report w/out my consent or knowledge. Got letter in mail from my secured Citi acct saying because of excellent payment history it would be converted over to unsecured and my secured funds would be refunded but not once did they state my credit would be pulled I called and inquired several times regarding this now my credit report is showing an inquiry
Complaint sub-issue: Banking errors

I made two purchases from XXXX, one was cancelled ( {$150.00}, Refunded XXXX ) and one was refunded ( {$57.00}, Refunded XXXX ) using my US Bank Debit Card. On XX/XX/2021 both of the refunds were taken out of my account by US Bank by a " Forced Post Adjustment ''. There were no disputes for either amounts and no " Provisional Credits '' were credited to my account. Both amounts refunded were theft/fraud/stolen from my account at US Bank by US Bank . For the past two days I have been on the phone with Customer Service and the Fraud Department for around five hours, being transferred from one department to another, back and forth, and have been by a US Bank branch office and only been able to open a dispute that I do not believe will go anywhere with getting my money that US Bank stole from me back into my account. 

Look at the attached documents. I have all of the proof..
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely XXXX, XXXX and Equifax suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.
Complaint sub-issue: Reinserted previously deleted info

This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, Equifax, XXXX ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is XXXX. Upon reviewing my ENTIRE statement history from XXXX ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the XXXX tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, Equifax and XXXX ) immediately delete this tradeline. I am also writing to request XXXX ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.
Complaint sub-issue: Their investigation did not fix an error on your report

Previously I disputed a credit card account on my Equifax credit report, because I assumed it should be reporting as an installment loan instead of a credit card. The creditor has verified that it should report as a credit card and no changes should be made. Someone at Equifax has removed the ENTIRE account from my credit report WITHOUT my request or the creditor request! 
I demand Equifax place this account back on my credit report and it's {$0.00} balance. 

I have contacted the creditor and received a letter to send to Equifax to report the account. 

XXXX Account Number : XXXX
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 deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Received bad information about your loan

I submitted paperwork for my account to be reviewed because they marked several payments as " not received '' or " not eligible. '' I sent bank statements, etc. that showed I did pay during those certain marks. I submitted that XX/XX/XXXX. It is now XX/XX/XXXX with NO review finished, no updated, etc. I have contacted them several times and each time they say " it takes a long time to process. '' No determined date that it will be done or further information.
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there t1at I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX XXXX  XXXX {$260.00} XXXX   XXXX  XXXX {$300.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$400.00}
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.