Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Home Depot credit card account. 
11 purchases not made by me. All at the XXXX, XXXX Home Depot store where I have never been. 
All fraud. 

XXXX {$970.00} XXXX {$1100.00} XXXX {$990.00} XXXX {$890.00} XXXX {$990.00} XXXX {$980.00} XXXX {$990.00} XXXX {$1900.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1100.00} Again these are all fraudulent charges. I have disputed this with Home Depot to no avail. I filed a police report with the XXXX Illinois Police department. They are investigating. I don't know what else I can do but I am not paying for things I did not buy. 

Thank you
Complaint sub-issue: Account status incorrect

For the past two years, I have been denied credit due to what was reported to the companies for which I applied too, and the information on my credit report ( once I received it ) wasn't what the companies reported was given to them by the credit agencies. The Credit reports came from Equifax and XXXX, but there was not form to resubmit to the credit reporting agencies to inform them of what was occurring with the incorrect information. However, since that time I've been recently denied credit again, althought ; since the denial I've had unpaid hospital bills due to being put into a unpaid status unjustly at my place of employment, which probably has lead to negative issues on my report after XX/XX/2019! However, my credit score took a 100 point dive for some unknown reason prior to my unpaid medical issues recently! Nevertheless, I did receive a settlement notice from one of the credit reporting agencies that my credit information may have been compromised, which I suspect that it has been compromised with both of the agencies by the issues that I've been having over the years with my credit, after having Excellent credit for many years!!!
Complaint sub-issue: Account information incorrect

Equifax has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XX/XX/2017 {$410.00} not mine XXXX XX/XX/2017 {$41.00} not mine
Complaint sub-issue: Information belongs to someone else

These accounts are unknown to me please view attached.
Complaint sub-issue: Investigation took more than 30 days

I am submitting this complaint about XXXX XXXX XXXX I paid this card off in full it has a {$4800.00} credit line. I have repeately asked that this card report to all 3 credit reporting companies as it is in excellent standing and paid in full within 2 years. I was told numerouos times they ( XXXX XXXX ) reports every 30 days. It's been over the 30 days and it is still not reporting I just checked all 3 of my credit reports. I've called numerous times and just keep being told it's reporting. But it is not.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy. In accordance with the fair credit Reporting Act ; XXXX XXXX XXXX XXXX XXXX Account has violated my rights. 

604A Section 2- It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

As per the FCRA any unverified or unauthorized accounts or inquiries must be removed from the credit report. I have called them, sent the FTC report and the fraudulent account and disputed have still not been removed. 

Letters have been sent over the past 90 days without any response from the bureaus.
Complaint sub-issue: Information belongs to someone else

There are two accounts that are on my credit report that are not mine I have been writing to the bureaus and the furnishers regarding this I have opened an FTC but nothing. I have not signed approved or used these accounts I have no clue what they are for and why they are on my credit report. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CALIFORNIA Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Account opened as a result of fraud

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and pnc bank all are reporting I have opened accounts with them on XXXX which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in XX/XX/2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social
Complaint sub-issue: Information belongs to someone else

I am unaware of this bill including the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX Of The Main Line for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until this debt has been validated by ME Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail. AmeriCollect keeps reporting to XXXX which is illegal without show validated proof and authorization that I even signed off on this account. This 3rd party Debt Collector has been a hassle. I want this account deleted immediately. The balance is {$230.00} which does not belong to me!
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX and 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

As filed with the FTC - Identity Theft - Ref # XXXX, the following accounts are not by my knowledge my accounts. I have asked for copies of documentation proving it was mine from the creditors and credit bureaus and have received nothing. Therefore, I conclude these are inaccurate : XX/XX/2021 - XXXX XXXX XXXX XXXX XX/XX/2021 - XXXX - XXXX XXXX XX/XX/2021- Equifax - XXXX XX/XX/2021- Equifax - XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 - XXXX, Equifax, XXXX - XXXXXXXX XXXX XX/XX/2021 - XXXX and XXXX - XXXX XX/XX/2021- Equifax - XXXX XXXX on report twice )
Complaint sub-issue: Threatened or suggested your credit would be damaged

Credior kept on reporting my account as late payment. But I was never late, I already disputed this. The two bureaus already remove this from the reports but Equifax still reporting this as late payment.
Complaint sub-issue: Their investigation did not fix an error on your report

Bankruptcy reported on Equifax and XXXX credit report. I disputed the entries directly with each credit reporting agency. The credit bureau responded that the information was verified by XXXX XXXX, XX/XX/XXXX. However, I contacted XXXX XXXX and was advised that my file has been frozen since XX/XX/XXXX and no information has been verified. I also contacted US Bankruptcy Court and was notified that they do not do provide information to third parties. Therefore, I conclude that the response provided to me by the credit reporting agency has not been verified and is an automatic response. I have spoken with personnel at the US Bankruptcy Court and XXXX XXXX to confirm the accuracy of my conclusion.
Complaint sub-issue: Problem getting report or credit score

I paid for my score with Equifax and was given XXXX, I went to purchase a car and my score is XXXX, a day later. I also got my score from XXXX and it was XXXX, again the auto dealer got XXXX I want to know why Equifax is giving me one score that I paid for and giving banks entirely different information. 
this is fraud!!
Complaint sub-issue: Their investigation did not fix an error on your report

I have repeatedly reported inaccurate, fraudulent, and unknown information that appears on my XXXX, Equifax, and XXXX credit reports from a company called XXXX XXXX and from another company called XXXX. The most recent letters in XXXX, XXXX, XXXX, XXXX, and XXXX of this year. 

XXXX XXXX is reported as a charge off, then a collection, then closed, then it is reported the same way over and over again each month adding hundreds of dollars to the balance each time it is negatively reported and causing my credit profile and my credit score to drop in excess of XXXX to XXXX points at a time. 

Before the credit reporting agencies and the two companies listed above began incorrectly and illegally reporting derogatory accounts to my credit profile, my credit score was between XXXX and XXXX and now my score is currently between XXXX and XXXX. 

The irreparable harm XXXX, Equifax, XXXX, XXXX XXXX, and XXXX has cause me goes beyond irresponsible and life shattering!
Complaint sub-issue: Problem getting my free annual report

Attempted to answer the questions that Equifax presented to me online, all of which did not apply to me. Equifax failed to give me my report and asked me to request it using their form. Some of the information requires my drivers license, social security card, etc. Sending these items in the mail subjects me to identity theft. I was able to obtain my credit report from XXXX and XXXX online. I want Equifax to do the same.
Complaint sub-issue: Company closed your account

XX/XX/2022 I received email from Citi bank stating my thank you preferred card will not be renewed once it expires in XX/XX/2022, and reason is due to bankruptcy or other charge off account with citi. I do not have bankruptcy and I only see a charge off account from citi for {$200.00} from 4 years ago on my credit report. I never had a credit card with {$200.00} limit besides my very first secured card with Citi when I was young. Which doesnt make sense because I paid {$200.00} deposit in order to open that secured card. I recently opened dispute on this charge off with all 3 credit bureaus but have not yet hear any response back from Citi. Last four of the account that Citi wants to close is XXXX XXXX XXXX XXXX. I have had this card for over 7 years. I have been responsible using it, paying down the balance from over $ XXXX to {$900.00} and soon will pay this card off, for Citibank to just close my account like this due to a {$200.00} questionable charge off is ridiculous. I am trying to work on my credit, if they close this account it will have a huge impact on my score as this is one of my oldest positive trade line.
Complaint sub-issue: Information belongs to someone else

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Complaint sub-issue: Account information incorrect

Potential Predatory Lending Practices :   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX  NC  XXXX  On  XXXX / XXXX /   2017  I went to   XXXX   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX  NC  XXXX  ( phone :  XXXX  ) to purchase a new  XXXX   XXXX . After hours spent finding the car I wanted, we began discussing financing.     According to  XXXX , my Equifax credit score on  XXXX / XXXX / 17  was  XXXX , resulting in me being quoted at an 8 % rate. After telling them that was ridiculous, I told them I would seek financing elsewhere.     On  XXXX / XXXX / 17 , I went to my bank,  XXXX   XXXX   XXXX  to see if I could access a better rate  via one of  their loans. According to  XXXX   XXXX   XXXX , the very next day, my Equifax rate was  XXXX !! This resulted in me getting a 2.94 % loan. Needless to say, I took this loan and went to a different  XXXX  dealership to make my purchase.     FURTHERMORE :  XXXX   XXXX   XXXX   XXXX  emailed my credit score to my mother, without my permission! Additionally, her email is some weird address  XXXX  XXXX  XXXX . Why would they send my credit score to some random address!?!?     The credit report they sent me looks fishy, as if it has been edited. Please take a look into this as their practices seem sketchy.     I felt like because I was a young, first-time car buyer they were taking advantage of me.
Complaint sub-issue: Account information incorrect

XXXX will not allow me to dispute inaccurate credit information by not allowing me to log in. They keep replying that my password is incorrect even after I am allowed to go through their Forgotten Password protocol.
Complaint sub-issue: Reporting company used your report improperly

Equifax issue involving 145 million people. Confirmed with Equifax that my information was compromised.
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$73.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

This letter is the second formal complaint that you are reporting inaccurate credit information. I disputed the account on XX/XX/2022. I have not received a response and you are in noncompliance with the FCRA. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a Home loan to refinance, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. Time is running out.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following credit inquiries currently listed on my XXXX XXXX, XXXX, and Equifax credit report are unauthorized and not my credit inquiries : XXXX XXXX  XXXX XXXX XXXX XX/XX/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

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : UNLISTED- Account : XXXX Creditor : XXXX XXXX/XXXX  XXXX  XXXX - Account : XXXX Creditor : XXXX XXXX/XXXX  XXXX  XXXX  - Account : XXXX Creditor : XXXX  XXXX/XXXX  - Account : XXXX Creditor : DEPT OF EDUCATION/XXXX  - Account : XXXX Creditor : XXXX/XXXX  XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX  - Account : XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I am filing this complaint because a company called IC System is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$200.00} but I have never done business with them or signed any agreements with this company. The account number on my credit is # XXXX. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX XXXX, MN and I have never lived in Minnesota in my life. I live in Georgia. This company has several negative reviews and over 616 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Complaint sub-issue: Reporting company used your report improperly

I am making this complaint on be half of my self an no other. I sent XXXX XXXX a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. XXXX XXXX is ruining my reputation and damaging my character.XXXX XXXX shared this alleged obligation with the consumer reporting agencies. I sent this company a cease and desist and they are still communicating with me through transunion. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Due to this inaccuracy my reputation and character is being effected. Due to this inaccurate report I am unable to get a job. Now I can't obtain credit due to these companies tarnishing my reputation. I recently just got out of the hospital due to constant XXXX  XXXX. My doctor prescribed me XXXX to deal with my XXXX. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) .The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and XXXX XXXX stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity theft.XXXX XXXX stole my identity and shared my private information with these CRA 's. XXXX is now CIVILLY LIABLE or willful noncompliance pursuant to 15 USC 1681n ( a ).
Complaint sub-issue: Didn't receive notice of right to dispute

Received email stating I owed a debt to some company called XXXX XXXX XXXX XXXX that was past being sued for in court or reportable to credit reports. The email was from a group called TrueAccord address of XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX phone # ( XXXX ) XXXX. 
The email claims that I owe money and they will settle for a fraction of the original debt. 
Company is violating Fair Debt Collection Practices.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX publisher put up a new privacy policy that allows opt out of individually tailored ads. One of the companies they work with is XXXX. Upon going to XXXX I found that they had an agreement to obtain information from the credit bureau Equifax, XXXX : XXXX Following the link to Equifax and looking at their privacy policy I found that they are integrating my demographic information and selling it, XXXX : XXXX This does not meet my expectations for how my family 's financial history should be used. I believed my data was private. If a company wants to ask for a list of people with a certain income range, credit score range and is then provided names and/or contact information for the list provided, how many inquiries would be needed to identify my private information. The databases already contain a computer or mobile device identifying my every move on the Internet. How is this credit bureau protecting my information? While it is making money at my personal financial exposure risk?
Complaint sub-issue: Public record information inaccurate

I have disputed with Equifax multiple times a bankruptcy that is reporting on my consumer disclosure report. Their response has been that it is accurate and verified thru a 3rd party furnisher named XXXX. They have not provided any documentation or supporting evidence of this bankruptcy. XXXX does NOT have a bankruptcy reporting on my XXXX consumer report ( see report attached section 8, page 12 ). This is inaccurate and false reporting of a bankruptcy on my credit report. I have also contacted the noted court on my report and they stated they have not reported this item or any item to any bureau or data collector. How is this item being validated, verified, and proved???