Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You never received your bill or did not know a payment was due

Elan Financial Services Card through XXXX XXXX  has not been providing me with proper paper or online bill due notifications. The last payment I made with them, according to their records was on XX/XX/XXXX for my XXXX payment. I checked my balance multiple times over the course of the month to pay for XXXX due on XX/XX/XXXX. I never received my statement showing the balance due on XX/XX/XXXX and the amount. Instead I received a statement showing past due as of XX/XX/XXXX. I have checked the account multiple times in the span of 2 months and it always had my balance showing as {$0.00} due. Now all the sudden I go to make XXXX 's payment and I am XXXX days past due, my credit line has been cut, and now I have a mark on my credit report because this company can not update their systems online accurately. I never received so much as a call or inquiry or any email or paper notifications advising anything was due. The reps with them have not been helpful at all in rectifying this issue. I made a double payment today and they are still refusing to reinstate my credit line, remove the late fee, or take the 30 day past due off my credit. I am very upset that this financial institution has treated me this way.
Complaint sub-issue: Their investigation did not fix an error on your report

I had disbelief when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX  Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. Please delete the following accounts : 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 I XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX  XXXX OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER  XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX  XXXX This is my only number XXXX All other telephone numbers are not accurate
Complaint sub-issue: Account status incorrect

I am currently still being reported inaccurately on credit report by the State of CT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The report shows past due and delinquent payments. I will be attaching letters that dispute this information. I do have a letter from the State of CT dated XX/XX/XXXX that shows all my current support was up to date and it was reported to consumer reporting agencies. I will further attach information that shows the amounts were fully paid off in the year XXXX.
Complaint sub-issue: Investigation took more than 30 days

I am in dispute with XXXX, XXXX and Equifax over a collections account. I sent a letter in on XXXX/XXXX/2021 and it has now been over 30 days so this item should be removed immediately. Please refer to the attach letter that was mailed to XXXX and XXXX.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I opened a new Best Buy  Citi Visa Card o n  XXXX   XXXX ,   XXXX   for the purchase of a new computer with 0 % interest for 12 months  ( deferred interest charges ).  I received my statement through the mail on  XXXX   XXXX ,   XXXX  . Upon opening the statement it states the first payment was due on  XXXX   XXXX ,   XXXX  . Upon calling the customer support line at  XXXX , I was informed that the billing cycle for my card ended on  XXXX   XXXX ,   XXXX   two business days after the account was opened. Being I did not receive the billing statement until  XXXX   XXXX ,   XXXX   I will now have interest charged to my account. I will be returning the item purchased and closing the card.     I would like a record of this deceptive practice being done this company, by luring customers into deferred interest products and trapping them into deflating on the terms.
Complaint sub-issue: Public record

I pulled my credit file and found XXXX chapter XXXX a couple months apart And XXXX liens so I called the court house and was told verbally That they do n't report to the Credit bureau 's
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/XXXX I received a card in the mail from card.com, sponsored by XXXX. I have a freeze on my credit because someone is desperately trying to open accounts with my information. XXXX refuses responsibility and refers me to the number on the back of the card which is to activate the card. I contacted XXXX  through email and they still decline responsibility. Card.com is nearly impossible to reach by phone. It is a bot which says my information doesn't match ( likely they changed it by now ). I can not understand how they approved the account and they won't reply to my emails to fix the situation.
Complaint sub-issue: Reinserted previously deleted info

I dusputed a collection on my credit report that they allowed to be added back on. Claims it was from 2010 but had been removed and the credit agency refuses to remove it which is against the law as they can not keep changing the reporting date to keep it active on the credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to the courthouse asking do they report " Dismissed '' bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # 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: Reporting company used your report improperly

Equifax I am an affected person : Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. ''
Complaint sub-issue: Information belongs to someone else

Greetings, I send several notices to Equifax regarding this account not being mines. 
On one credit report it shows it was removed than I next month it reappeared. 
Also I seem like no human being is actually reviewing my documents because there no cross references to what I demanded the creditor agency to provide to ( me ) the consumer. 
As shown in my paperwork the creditor nor did Equifax provided any response to my request my validation or proof I authorize this account to be open in my name. 


My next step is to submit a FTC identity theft and police report to the Federal Trade Commission and possibly legal action against Equifax for violation of FDCPA, FCRA, and also the alleged creditor agency for violation of Debt improvement collection act ( DICA ). 


P.S. I send three times below the unverified account to Equifax. 
There more documents I send as well. At the moment do not have it in my possession at the time. 
Thank you
Complaint sub-issue: Problem with personal statement of dispute

County Searches : I don't understand why this is on my report Charge : XXXX XXXX XXXX ( STATUTE : XXXX ( A ) ) Explanation : This was a family oriented first offense moving into a new state and a new city, not XXXX related with passengers at risk. This offense was way before I started doing XXXX XXXX XXXX  from year XXXX until XXXX with tremendous ratings and passenger satisfaction. Their safety comes first much like I am a responsible father and driver to my kids and family. You can not ignore my XXXX XXXX  with complete satisfaction record. Please review this offense and have the report fixed so that I can be reinstated to drive for XXXX Thank you,
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX, I had {$76.00} past due with a XXXX XXXX XXXX card. The reason I was past due was because I did not receive any communication from XXXX XXXX that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, XXXX XXXX denied my request to have the late payment removed from my credit reports. I believe I was denied by XXXX XXXX without consideration that I did n't have knowledge of a late payment.
Complaint sub-issue: Reporting company used your report improperly

See letters sent, There are accounts reporting many inaccuracies, and there are unauthorized inquiries
Complaint sub-issue: Their investigation did not fix an error on your report

Old charge-off by XXXX XXXX sold to XXXX XXXX, sold to XXXX, in-house entity of XXXX XXXX, paid old debt off in full, got receipt from XXXX n a release from XXXX XXXX, been sent multiple times, it's the last debt I owe anyone so kindly acknowledge that because you folks r doing nothing more than holding me back from improving my life further because of this one credit " roadblock '' that has been paid in full n released from the creditor months ago!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the following are currently in violation of 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. 

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 EQUIFAX 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 EQUIFAX 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 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am a cardholder of the Citibank double cash card. On XX/XX/XXXX of 2020, I was charged by my gym for my monthly membership covering the XXXX XXXX XXXX period in the amount of {$65.00}. The following week, my gym closed due to the coronavirus pandemic and subsequent Illinois stay at home order. As a result, the gym was unable to provide the agreed upon services. I had not attended the gym at any point prior to the closure due to virus concerns. I contacted the gym directly to reverse the charge with no response. 

On XX/XX/XXXX, I entered a dispute through Citibank ( XXXX ) on the basis of services not having been received and was issued a conditional credit in the amount of {$65.00}. Citibank claims to have emailed me requesting additional information on XX/XX/XXXX, however I did not receive an email at the address on file. I received a letter dated XX/XX/XXXX informing me that Citibank had reversed the conditional credit and closed its investigation after receiving additional information from the merchant. Citibank enclosed the evidence they used to deny my claim with their letter and demanded that I respond via mail if I would like to appeal the decision. 

Upon examination of the so called " evidence '', I immediately recognized that the information provided was not in any way related to my case! Citibank used membership contracts, gym usage information, and private agreements of OTHER citibank cardholders who belong to DIFFERENT gyms as the basis for denying my claim. I am now in possession of IDENTIFYING personal information of unrelated 3rd party consumers obtained from unrelated 3rd party merchant gyms ( addresses, phone numbers, names, ages, emails, etc ). The implication ( I would hope ) is that Citibank did not even care to review the information before sending it to me. At worst, it is a shocking example of fraudulent practices and a breach of consumer trust. 

I have contacted Citibank during normal operating hours and was connected to the dispute department. Citibank terminated the call before I had the opportunity to speak with someone. This behavior is unacceptable and must be resolved immediately.
Complaint sub-issue: Reinserted previously deleted info

To whom it may concern, Equifax, Transunion, and Experian previously took off all of the items on my credit reprt and reinserted it without my knowledge. The items was previously reported as identity and some was in violation of the federal act.
Complaint sub-issue: Information that should be on the report is missing

I received several letters from XXXX XX/XX/XXXX, XXXX, XXXX XXXX, and XXXX making credit inquiries where my credit score was very low from Equifax in order to purchase a car. Within the last year I have not had an inquiry, but had a subscription with Equifax for several years to monitor my credit and the credit score was a fair one for XXXX and a fair one for the year XXXX. However, their reporting score to the above businesses was a poor one. I have a copy of my score from last year and this year from Equifax own website and I am sending a letter to the U.S. Attorney General to investigate. I want to know from the U.S. Attorney General how could several credit inquiries bring your score down to 78 points for the month of XX/XX/XXXX because that is when the inquiries were done and I have a fair credit score according to their own website. It appears someone in that agency manipulated the numbers.
Complaint sub-issue: Information is not mine

Since XXXX XXXX, 2016 when my credit score was XXXX, it has dropped to XXXX as of XXXX XXXX, 2016. Equifax has taken deleted information from my credit report and re-added it. They have also taken accounts such as XXXX XXXX and duplicated the account. Equifax is looking at other credit reports and adding the information to my report. they have also added a XXXX account more than 10 years old and re-added to my account after it was off more than 3 years. They have added accounts I have disputed using the FTC Fraud statement report and re-added. I have XXXX XXXX accounts that have been deleted twice now back on my report after I submitted the XXXX for those accounts. 
Equifax has caused me hardship due to this and I have been unable to work or find housing because of their lack of reporting correct information and casing me to dispute this information each week. 
I will be contacting the Attorney General of Texas and filing a lawsuit due to these errors on their behalf. 
Please review my XXXX XXXX, 2016 report vs XXXX XXXX, 2016 and look at the clear difference. XXXX card is fraud and is more than 7 years old. The XXXX is more than 10 years old. XXXX XXXX XXXX XXXX was also re-added and is fraud. 
Equifax needs to explain how did the obtain this information, when was it added and why was it added? 

Why do I have to continue to fight with them? I have attached all the disputes and which ones was deleted by Equifax. I have attached the company and person who used my XXXX XXXX account as fraud.
Complaint sub-issue: Information belongs to someone else

Disputes for identity theft on a XXXX XXXX credit card account ( account number unknown ) opened in XX/XX/XXXX on my EQUIFAX credit report via US Mail were sent in mid-XXXX and early-XXXX but were not responded to. Disputes online in mid-XXXX, late-XXXX, and early-XXXX were completed but ruled against my favor without any additional information or verification of the debt being legitimate. The account was opened before I reached the age of XXXX and was the result of identity theft that was discovered when I began university in the Fall of XXXX. I have repeatedly demanded the credit bureau remove the account from my report due to this fact, using FCRA 605B as the legal precedent in my demand. I submitted my disputed with the FTC Identity Theft Affidavit in all cases. They have refused to take action on the account as legally required.
Complaint sub-issue: Information is not mine

I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, AP XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.
Complaint sub-issue: Account status incorrect

I have called back in XX/XX/XXXX in the month of XXXX, XXXX I was advised to call the owner and I have called and sent certified letters and as of today 's date no response to any calls and or letters. I mailed the last certified letter back in XX/XX/XXXX and no response to anything.
Complaint sub-issue: Information belongs to someone else

My name is XXXX and I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the federal credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.. 15 USC 1681 section 604A section 2 also says a consumer reporting agency can not furnish an account without my written instructions there 15 USC 1666 section b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.
Complaint sub-issue: Investigation took more than 30 days

I sent Equifax a second letter disputing accounts on my credit report XXXX XXXX, 2017 and requested That they remove all unvalidated accounts from my credit report. I received no documents showing what they used to verify these accounts. Equifax has not or can not verify any of these accounts and has not returned any documentation within the 30 days from the time they received the certified letter.