Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX, I was a victim of identity fraud. Someone went into a XXXX and XXXX XXXX XXXX store and purchased 2 XXXX at both stores. I have an open XXXX account where I tried to stop the fraud, but was too late. I was able to consult with a XXXX representative the next day and the fraudulent phones and charges were removed. 
XXXX XXXX XXXX on the other hand has completely mishandled this situation. 
They do not allow you to speak with a human being, and are required to submit a form online. I submitted numerous forms ; only for XXXX XXXX XXXX to wrongfully deny and continue seeking the fraudulent debt. 
The {$2200.00} debt went into collections and was reported to the major credit reporting services earlier this year by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. 
I contact XXXX 's legal team on XX/XX/XXXX, demanding information to validate the debt, and/or demand the debt be considered fraud. 
On XX/XX/XXXX, XXXX XXXX counsel XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, responded that it placed the account in fraud status, and requested deleting of the derogatory tradelines appearing on my credit reports. 
In XX/XX/XXXX, XXXX XXXX XXXX again sent the fraudulent debt to collections with AFNI, XXXX, who also reported the debt to the major crediting reporting agencies. 
As a result, I was hit on the interest rate on the vehicle I purchased in XX/XX/XXXX. 
Damages will be demanded.
Complaint sub-issue: Account status incorrect

Equifax is reporting that my XXXX XXXX Account is reporting a 30-day late payment. Whereas XXXX XXXX mailed me a letter which is attached showing that their reporting was incorrect and all 3 credit bureaus were notified. This change has not been updated with Equifax as of XX/XX/2021.
Complaint sub-issue: Problem with fees

Purchased BEST BUY CREDIT CARD XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I purchase {$14000.00} of entertainment equipment from Best Buy XXXX XX/XX/XXXX using my new Best Buy credit card ( Citibank ) XXXX At the time, the salesperson indicated that there would be deferred interest for 36 months. Best Buy puts a small digital screen in front of you with pages after pages of legal languages you must sign to get through the transaction. First off, the font is so small a reasonable person couldn't read it. Second, I am not an attorney. It is meant to confuse the average consumer. I set my bill pay to pay it off early with a $ XXXX payment. 

Just yesterday, I was helping my father with a purchase at Best Buy. I asked if they offered a XXXX or XXXX deferred payment option. The salesperson indicated that only XXXX were available. I thought to check the status of my Best Buy credit card. 

I was shocked to find that it had been set up with only 24 months of deferred interest. As of XX/XX/XXXX, I only owed {$2200.00} -- given my payment schedule, I would have paid it in full in roughly 5 months. The following month, {$6100.00} was added in interest bringing the total amount owed to {$7900.00}. This results from an absorbent credit card interest rate of 25.24 %. This is way out of alignment with my risk profile, as my XXXX score at the time was XXXX. 

I believe that the Best Buy credit card has defrauded in XXXX ways : putting a contract in front of me that was not reasonably visible, within the credit card monthly statement burrying a notice on the second page in a small font to notify me of the looming lump of interest, and charging a usurious interest rate that does not match my credit risk. 

I contacted the Best Buy credit card today to seek a resolution. They indicated that it was an issue with the salesperson at Best Buy and I should seek a remedy with the store. The Best Buy credit card as a matter of goodwill credited my roughly a {$100.00} to the account.
Complaint sub-issue: Investigation took more than 30 days

I am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Complaint sub-issue: Information belongs to someone else

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize XXXX XXXX  ACCOUNT OPENED XX/XX/2015 {$11000.00}
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX has omitted or purposely left off the last payment date off both credit entries they manage knowingly.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I sent certified letters to Equifax, XXXX and XXXX advising that I am a victim of Identity Theft and that the information being reported is fraudulent. It has been over 30 days since Equifax, XXXX and XXXX received my correspondence which contained a copy of my valid Driver 's License, my utility bill for proof address, a notarized Identity Theft Affidavit and a Federal Trade Commission Report. I have not received any other notices that the False information therein was Deleted, and yet this False inaccurate information still remains on my file with the last investigation. Because of this I have been damaged by Equifax, XXXX and XXXX and unable to fairly obtain housing, credit, loans or employment.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

I am a victim of identity theft and XXXX XXXX XXXX  XXXX is a fraudulent account reporting to my credit. I have attached an FTC report along with utility bill, SSN card and drivers license.

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX  XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, Equifax & XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX  XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX  XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX  XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Complaint sub-issue: Account information incorrect

All 3 credit bureaus have remarks on my report that Ive been 60 days serious deliquincy. I have never been late on any of my accounts in over 5 years. I have tried to dispute this remark with all 3 credit bureaus but have gotten nowhere.
Complaint sub-issue: Information is not mine

1st I submitted a dispute as " not mine '' the information came back as verified. After reading information on the internet ( dangerous, I know ) I came across the FCRA 605 ID theft request for block. Armed with knowledge I promptly went to the local police department and fill out a report in relation to Id theft ; I then filed an FTC affidavit. after all that work I was ready to tackle XXXX once more. I bundled all the information and sent it off! 4 days later received this ... Results Of Your Investigation ( For your security, the last XXXX digits of your credit account number ( s ) have been replaced by * ) XXXX We have reviewed the current address. The results are : The current address has been added/updated per the information you have supplied. XXXX We have reviewed your concerns and our conclusions are : Please be advised that Equifax , at this time, will not block the information subject to the submitted identity Theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify The account/s on your behalf. We will also forward a copy of documents you have provided to each creditor for their Review.
Complaint sub-issue: Account status incorrect

These accounts on my credit report has been taken care of with the company XXXX. They were both paid in full as you will see in the attachments and agreed to be removed as a paid for delete. Ive disputed this information with Equifax at lease twice but they still refuse to remove from my credit report as XXXX did. This information is preventing me from receiving approval for a Mortgage loan for myself and family. These accounts were paid on XX/XX/2019 ( {$100.00} ) and the other on XX/XX/2019 ( {$130.00} ).
Complaint sub-issue: Their investigation did not fix an error on your report

To Whoever May Be In Charge : I am agitated and dismayed that you continue to list ( 2 ) dismissed bankruptcies as confirmed. I have been in correspondence with all 3 ( for over 4 months... I even was lucky enough to have my file assigned to " Special Handling '' with one as soon as I MENTIONED CFPB ) bureaus as well as the US Bankruptcy Court ( who also told me that they could not verify this information nor would they verify, validate, update, or otherwise with any credit bureau ) that is listed on my disputed credit reports. I am well aware that you receive your information from a third-party, whether it be XXXXXXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX or from XXXX. The system is not always accurate because of the limitations of providing an ENTIRE 9 DIGIT Social Security Number to validate/verify data. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act does not mention anywhere in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly reads from " date of adjudication '' or date of " order for relief ''.

''Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have zero right to maintain information which the United States Government has VALIDATED as non-existent. 
It is only fair that in accordance with section 1681 ( a ) ( S ) of the FCRA you delete this from my credit report and send me an updated copy. Considering it should not require an investigation whatsoever, I would appreciate your rapid response within 15 days from the date you receive this letter.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX AND XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 22 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Problem with personal statement of dispute

Filed a dispute in XX/XX/2020, with Equifax asking them to delele the Bankruptcy that appears on my credit report as inaccurate. I received the results back stated that they verified the information thru XXXX, however, my XXXX credit file has a freeze on it. Under the Fair Credit Reporting Act, Under the security freeze XXXX can not release any information in my credit file without express authorization. I want this bankruptcy deleted from my credit report immediately.
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 ACCT # 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: Their investigation did not fix an error on your report

Upon checking my credit the XXXX  XXXX account that been under the dispute still remains i sent an ftc report proof of residency and as some companies reported information as accurate i want to inform that i disputed all other addresses on my credit report besides my actual one which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my cell phone XXXX any other information creditor has is wrong
Complaint sub-issue: Information belongs to someone else

My information was stolen and used to apply and do business with different companies. I reported it and demanded that the accounts resulted from it be removed. Untill today I did not receive any response and the account is still in my report.
Complaint sub-issue: Account status incorrect

This is regarding the best buy store credit card issued by CBNA. In XXXX I XXXX I went to best buy store in XXXX XXXX  XXXX to buy electronics. After purchasing I went to the cashier to apply for the best buy credit card. The cashier took my driver license and processed the application. After processing the application the cashier told me that my application is rejected due to information mismatch. So I used my credit card to pay for the purchase. After one month I received a statement from CBNA showing that I opened the credit card and it was showing a annual fee of {$30.00}. I called CBNA and told them that my application was rejected in the store and I used my credit card to pay for the purchase. I requested them to close the account because I don't want to pay for the annual fee. They told me that they will close the account. After one month when I checked my credit report it was showing 60 day late payment remark on my XXXX, XXXX  and XXXX credit reports. I immediately called CBNA and reported the matter. They promised to close the account and remove the late payment report from the credit reporting agenies. In XX/XX/XXXX when I checked my credit report, it showed a serious delinquent or missed payment report on my credit report. I AM GOING TO XXXX XXXX AND THIS REMARK IS CAUSING ME PROBLEMS IN GETTING LOANS AND APARTMENT LEASE. PLEASE HELP ME TO REMOVE THIS REMARK FROM MY CREDIT REPORTS, SO THAT I CAN GET LOAN FOR MY XXXX XXXX.
Complaint sub-issue: Account status incorrect

I had a collection account with XXXX that I paid in full and current balance is {$0.00}. This account is reported to XXXX and XXXX as ''closed '' account. However, Equifax is still showing the account as ''open '' account. I disputed the status of the account with Equifax several times before and sent them a letter from the collection agency that shows the account being pad in full and ''closed ''. However, everytime I dispute the account with Equifax, they mention it is ''collection '' account it it doesn't close, which does not make sense cause that same account was closed with both XXXX and XXXX even it is collection account. I asked him to show me where in Equifax website if there is any disclosure that you can't close account because it is collection account but he could not share any policy related to that. Under Fair Credit Act, this account has been closed by the creditor and collection agencies and been reported to XXXX and XXXX as ''closed '' account. However, Exquifax is not welling to comply with this Federal mandate. Therefore, I am filing this complain against them, which is not surprising such non-compliance comes from a company leading in security breaches every time we hear of one.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX XXXX XXXX restaurant in XXXX, NJ changed the amount of my purchase to double excluding a {$12.00} tip after I left. I had a 25 % off any purchase coupon with no expiration date on XX/XX/2020. The bill was {$60.00} and I added {$12.00} tip based on the full amount prior to the coupon. The adjusted amount should have been {$45.00} plus {$12.00} tip = {$57.00} ; however, I was charged {$130.00}. Elan Financial Services of XXXX, MN was advised of a dispute and immediately closed my account and sent me a new card with a new account number. XXXX manages the card for XXXX XXXX XXXX XXXX, MA. After 6 weeks in which I was not contacted once, the fraudulent charge of {$130.00} was reapplied to my account. XXXX has terrible reviews on XXXX and other places on the internet. They have allowed fraud and not proven that they are competent to manage consumer credit. I authorize {$57.00} to be charged.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I submitted a dispute to the credit bureaus disputing the following listed accounts and asked for validation and verification of the accounts and not only have they not provided proof they have failed to respond. XXXX implied that I was using a credit repair company. I am not I am exercising my consumer rights to dispute the incorrect inaccurate and unauthorized information. 
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 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 XXXX
Complaint sub-issue: Account information incorrect

XXXX is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore XXXX is reporting incorrectly on my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I reviewed my account with moneylion and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as Monwylion is reporting on all 3 major credit bureaus.
Complaint sub-issue: Deposits and withdrawals

I MADE A MOBILE DEPOSIT DEPOSIT ON XX/XX/2022, THE BANK ACCEPTED MY DEPOSIT, THEN TURN AROUND AND EMAILED ME TELLING ME THAT MY CHECK COULD NOT BE COMPLETED FOR " AN ISSUE WITH THE CHECK WAS DETECTED DURING REVIEW '' I CALLED TODAY XX/XX/2022, I SPOKE TO A GENTLEMAN, WHO DID NOT GIVE ME HIS NAME, BUT HUNG UP ON ME WHEN I ASKED ABOUT THE CHECK SITUATION. I CALLED BACK AND SPOKE TO A XXXX, SHE WAS XXXX, AND HUNG UP ON ME, CALLED ME BACK AND SAID SHE DID NOT CARE IF I FILED A COMPLAINT. I ASKED FOR A SUPERVISOR, SHE PUT ME ON HOLD, CLAIMED NO SUPERVISOR WAS AVAILABLE AND THAT ONE WILL CALL ME BACK TOMORROW AND HUNG UP ON ME AGAIN. I AM A LONG TIME MERCHANT, MEMBER, AND CUSTOMER OF SQUARE BANK, THIS IS NOT HOW YOU TREAT YOUR CUSTOMERS. I WOULD LIKE A CALL FROM A SUPERVISOR, TO GET MY CHECK STRAIGHT, AND AN APOLOGY FROM THOSE 2 XXXX REPRESENTATIVES.
Complaint sub-issue: Information belongs to someone else

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and XXXX attach the supporting documents Please remove this fraudulent account. 


Account Balance {$2000.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX.