Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

CREDIT CARD COMPANY : CITICARDS CBNA #  XXXX **** By  XXXX  2017, my credit score was   XXXX    and now it went down to  XXXX , it seems that the reason why, it 's because there is a delinquent account of   XXXX   that went into collection. No bills or statements were sent to me during all this time ; even thought, i have been a client for the past 7 years and they have my contact information ( address, email and phone number ) the only day they contacted me was to tell that my account went into collection. I have   XXXX   other credit cards with this bank and I have always been making payments on time, i never had issues with other credit cards associated to the bank. Now my job is getting affected by this issue because my job is dependable of my credit report, I also wanted to buy a new car and my credit does n't look good i can not get any offers, it 's causing me a lot of delay in my life.I would like to get this issue fix as soon as possible and i can continue living as any other honest citizen.
This issue started when Costco   XXXX   XXXX   switch to Citi bank. I downloaded my Credit Report and it shows that I was a " Satisfactory '' Client with "   XXXX   XXXX   '' cause I made my payments on time. I was never notified about the change or statements were mailed to me. At this point my balance with   XXXX   XXXX   was {$0.00}, and I never gave permissions to renew my membership with Costco ( it was done automatically ), in my 15 years or more of being a Costco member, when i did n't pay the membership it was cancelled, and the next time i had to pay for the membership at front, it was never done automatically until recently. I 'm still willing to talk about this with a representative who willing to help me and do not drive me to different directions. I already contacted the bank and no one is willing to help me with this issue.
Best,  XXXX
Complaint sub-issue: Reporting company used your report improperly

I was informed via social media and news sources of the Equifax breach on XXXX/XXXX/XXXX. I have come to learn this is a month or two after the initial breach. Equifax did not attempt to inform me that private information such as my social security number, addresses, phone numbers, driver license numbers and potentially credit card numbers was stolen and now up for grabs. In order to fix this problem, Equifax is providing credit monitoring for a year. This will not solve the problem because my private information is forever impacted. As long as social security number and the other information above is used as identifying information to open up new lines of credit, this will be an issue I will have to monitor. It will not stop after a year. I have to take my own steps to protect my information, including freezing and unfreezing my information at all the credit bureaus which will now cost me money every time I want to open a new line of credit. In my state I have to pay Equifax {$10.00} to freeze or unfreeze my credit line. So not only has Equifax created the situation where my personal information is forever impacted and created undue emotional and financial stress for who knows how many decades, but I will have to pay money to Equifax to freeze and unfreeze my credit line. 

I did not opt to have Equifax to store and use this information. I had no choice in dealing with this company. And now they are causing me undue hours and money in order to handle their mistakes. They reacted poorly to the breach, putting consumers at additional risk, and then provided a short term solution that does n't actually solve the issue, and created a situation in which they would actually profit off of us for years to come.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXl account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX XXXX and XXXX XXXX Bank XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.C.S 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Complaint sub-issue: Debt is not yours

In XXXX of XXXX I went into a Macys store to buy a suit. I intended to pay cash ( debit card ) for this item. A zealous store clerk said I could get 20 % off the suit if I opened an account. I told her I did not need an account and still wanted to pay cash. She said I would still get the discount for opening the account. The suit was {$220.00} and {$180.00} after the discount. I gave her my debit card and left. 

In XXXX, I checked my credit file and found I had a collection on my file from Macys for almost {$500.00}. Of course my first thought was that it was credit fraud and disputed it accordingly. The said it was that suit  from XXXX and the accumulated late charges and interest. I had not received any notification of an account or any bills for it. 

I went back and checked my bank statements and found that indeed, there was no {$180.00} charge from Macys in May..so that clerk apparently added this to the new account and did not charge my card.

I certainly want to pay for this. And I would even forego the discount for the account and pay the full {$220.00}. I hired a firm to represent me to get this taken care of. Macys said they could not talk to them because  the account was placed with a collection agency. The collection agency will not talk to this company even with my signed power of attorney OR my personal permission to speak on my behalf. 

I am now at a place where I can not resolve this issue that was not my fault to begin with. 

I would like for CFPB to publish my issue so that thousands or tens of thousands of others don't get caught in this loop where they can not correct an error.
Complaint sub-issue: Reporting company used your report improperly

I have already reached out with certified mail with tracking of the recipient to IQD You IQ DATA INTERNATIONALXXXX XXXX XXXX XXXX XXXX XXXX  BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation. furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i  within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Starting in XX/XX/XXXX I began disputing unverified bankruptcy item information on my credit file with Equifax, we've had ongoing correspondence back and forth with little cooperation, they continued to state that the information had been verified but never provided proof. I then disputed the information with XXXX XXXX, the company that sold Equifax the unverified information, XXXX XXXX subsequently removed the item from my credit file and sent me a letter and updated credit report to reflect the changes. I then sent the updated information to Equifax they responded by sending me a letter dated XX/XX/XXXX stating that they were unable to locate a credit file for me, and that I may not have a credit file. They went as far as incorrectly spelling my name in the letter. Equifax and I have been corresponding since XX/XX/XXXX and now when I sent proof that the company that was the source of the inaccurate item on my equifax credit file, they pretend not to know who I was. This company is not committed to accurate and fairness reporting. I have attached the letter from XXXX XXXX as well as the letter from Equifax pretending not to know who I was.
Complaint sub-issue: Personal information incorrect

I have tried to have my information updated on my credit report as it is listed incorrectly. I have contacted Equifax several times regarding this and they have failed to correct it. I sent a letter to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each to no avail and I considered sending another letter because as of XX/XX/XXXX they still have not corrected my DOB but I decided to file a complaint instead. You will find all of the letters I sent to them attached along with my driver 's license which I also sent to them for legal proof.
Complaint sub-issue: Information belongs to someone else

I am writing to you regarding discrepancies i have found on my credit report. I am disputing the following accounts on my credit report with Equifax, I have circled the items I dispute on the attached copy of my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that the items be removed immediately as those accounts is not mine. Enclosed are copies of my Social Security card, Driver 's License, Most recent Credit card statement, prove of address etc. please investigate this matter and delete the disputed items as soon as possible. thanks.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Complaint sub-issue: Information belongs to someone else

Received notice today via XXXX XXXX that XXXX XXXX XXXX are showing on my credit report and shouldnt be. I do not recognize this account and dont have this account and is affecting my credit report. Per fair credit reporting agency, please remove inacc, invalid, or unverifiable information from my credit report.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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: Information is incorrect

My primary complaint involves Equifax Information Services, LLC ( The Consumer Credit Bureau ). As a resident of XXXX, GA, the home of Equifax, I have extensive experience with the company. They have always been extremely difficult to reach by phone, very slow to process fraud and identity theft disputes, the last of the 3 major credit bureaus to update information in my credit file, and, as a verified victim of the massive and criminal data breech, I have been treated extremely unprofessionally and dispassionately every time I seek their assistance. My strongest desire is that this negligent, unprofessional, vulnerable company should not and can not be trusted with my sensitive financial information or anyone else due to the damage they have directly effected my credit profile and fair ability to thrive in life and business. Recently, I was a victim of fraud involving the purchase of over {$7500.00} of counterfeit sports collectibles affecting my 3 credit cards with XXXX XXXX XXXX XXXX. I filed a fraud claim for every item purchased involving each of the 3 credit cards. I was first issued new cards and my old were destroyed. After submitting substantial evidence, I received a preliminary credit from XXXX. Equifax still reports these accounts as valid even though they have been determined to be fraud. More details are included in attached documents supporting this statement. The bottom line is, I need assistance to correct the inaccurate and damaging information from each XXXX credit card deemed fraudulent, as the other credit bureaus have already done, and to guide me in pursuit of legal Federal actions for the harm Equifax has done to my financial position and emotional/physical health.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an inaccurate, unverified, erroneous, & fraudulent account that i found on my credit report. Accounts were updated as opposed to being deleted. I believe this inaccurate information is a defamation of my character and has hindered me from obtaining credit and or has caused me to pay high interest rates. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT : XXXX ACCOUNT : XXXX XXXX XXXX   ACCOUNT : XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

I'm in the process of buying a home and Discover closed my credit card account for inactivity. No warning, NOTHING! I last used the card in XX/XX/XXXX. It has been less than a year and they just up and close the account. I get an email on XX/XX/XXXX at XXXX XXXX   EST ( how ironic that I would receive the email the same day I received my appraisal ) advising that my account would be closed for inactivity. Other credit card companies send prior notification. Maybe Discover should follow the same practices. I have never been late on a payment. Now my chances of becoming a homeowner may have been ruined due to Discover 's lack of communication. This is not right at all.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA. the Credit reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items completely from my Crediet File : XXXXXXXX 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 XX/XX/XXXX XXXX If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have disputed multiple items that are reporting with inaccurate information on my credit report and I have received no responses at all. I notified them on XX/XX/XXXX ; XX/XX/XXXX and I have disputed each item again XX/XX/XXXX. I have not received any kind of response from them whatsoever.
Complaint sub-issue: Debt is not yours

Company is attempting to bill a debt not owed. Insurance was never billed by original company. {$900.00} companies have been provided with billing information multiple times.
Complaint sub-issue: Account information incorrect

XX/XX/2021 I opened a case with the federal trade commission regarding some vital accounts and information associated with my credit report that was inaccurate. XX/XX/XXXX i proceeded to reach out to all 3 bureaus as well as directly to credit furnishers and all documentation was mailed out certified mail XX/XX/2021. Under the FCRA Act they were given 30 days to update all associated information and it has yet to be done. My next steps will be to affiliate the courts and also seek out compensation for the damage they are causing to my daily life. I am unable to move forward due to the fraudulent information they have yet to update. I have both the police documentation and identity theft report number as well as USPS certified mail tracking numbers ensuring they received these documents and still failed to update the account.
Complaint sub-issue: Debt is not mine

Collection acount is showing up under ERC. supposing for an acvount with XXXX. I called dish they do not have any acvount for me with them. They never have. I call ERC and they say call XXXX. It is very hard to get through to ERC and they want me to provide an act number which o do n't have cause I do n't owe XXXX.
Complaint sub-issue: Investigation took more than 30 days

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I received from them a notice, via the CFPB website, that they were not able to respond because I was not listed on the accounts but they keep reporting these accounts on my credit report and haven't sent any mail-response as I requested for the Reporting Agencies to do. I have proof of the previous letters I sent via mail that have been uploaded to the complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

TitleMax, with whom I have never done business, won't stop calling me about some stranger 's debts. They have the wrong number. Telling them doesn't stop the calls nor does filing federal complaint -- last complaint number I noted XXXX like all the other calls and complaints assure me they will stop but they are at it again.
Complaint sub-issue: Information belongs to someone else

A rather unique situation occurred on XX/XX/2020. My brother in law used my desk top to apply for a credit card with US Bank. My information auto populated and he submitted the application. I wrote US bank informing them the application was submitted in error and to remove the inquiry from my credit report. US bank responded that they would not remove and if I believe my identity was taken to contact their fraud department. I responded with the letters enclosed with a signed statement from my brother in law that he made an error and proof that he has a XXXX XXXX XXXX XXXX. And again, to please remove the inquiry.
Complaint sub-issue: Account status incorrect

My payments have been deferred since day one on my student loans due to my family size versus my income. My loan payments have been reported late after I have completed all necessary paperwork and mailed it to the correct places. The first loan payment I have every made was this month XXXX. Before this date I have always been deferred on all of my student loan payments. One credit company removed all late payment from my report just recently after I filled a complaint. I filled the same complaint with XXXX and they did not remove the late payment. I could have never been late when all have been deferred for the life of the loan. This has cost me thousands in interest fees on other loans due to them reporting me late. Please remove all late payments from my report on all student loans since they could have never been late based on all loans being deferred for the entire life of the loan until XXXX. As of XXXX I started making income based payments on my student loans since I now make enough money versus my family size to do so.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX is still on my credit report and I'm no longer a authorize user and I'm not financially responsible for that account.
Complaint sub-issue: Talked to a third-party about your debt

Lending Club contacted someone I know that I have no relation to or personal connection to other than a friendship, I have no idea how they even got this persons number. They called them, told them the amount of my loan, lied to them and told them I used them as reference to receive a loan ( I didn't even know this person at the time ) and disclosed personal information about me.
Complaint sub-issue: Debt is not yours

IC systems contacted me once about an alleged bill with some tv company. I know this debt is not mine, they may have me confused with my ex wife, so I explained this debt was not mine and asked for validation of this debt through a letter. No debt validation was sent nor any proof this debt as being mine. I now have this collection showing on my credit files which is completely unacceptable. This collection must be removed from my credit files immediately. IC systems has a poor BBB rating, multiple complaints for illegal and harassing collection tactics, and is listed on watch lists monitoring fraudulent and scam debt collection. I will be filing a complaint with the BBB and state attorney general 's office immediately as well.