Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Inadequate help over the phone

I spoke with XXXX in the consumer affairs division this past Thursday XX/XX/2016 about the XXXX point difference between XXXX ( XXXX score ) and Equifax ( XXXX score ). She gave me meaningless blather instead of any solid info. I 've been in finance for 30 years dealing with credit reports. it is highly unusual that a score varies almost XXXX points. Most Fico scores vary between XXXX difference max. I also told XXXX the information on both reports was IDENITICAL making the score that much more ridiculous. 

After speaking with her on XX/XX/2016, I checked my scores yesterday only to see my Equifax score drop another XXXX points since XX/XX/2016. There has been absolutely no change to my profile so I am once again baffled by how Equifax can be so far off. ( Picture Attached ) I have filed more than one report on this but the CFPB seems to be just another useless GOVT agency with all bark and no bite. Maybe the CFPB can tell me whats its purpose is because if you 're just their to forward complaints back and forth ... then your useless. 
Why does n't the CFPB DEMAND an explanation?
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX/XXXX/XXXX I was not notified by a friend to log in at Equifax to find out if I was XXXX of the people whose information was hacked at Equifax. After logging in last night at Equifax and learning my information was compromised I spent the whole day on the phone and online trying to get information and get a credit freeze. First I tried the phone- hours and no getting through. Online at Equifax there was a continuous loop of going nowhere. The online questions about my past phone numbers that I could not remember blocked me out from freezing it online at XXXX. I was only able to freeze my credit with XXXX XXXX. XXXX response if non-existent. I have spent the entire day so far trying to freeze my credit. Why is this all on the consumer? The stress of having all my information hacked with no help is infuriating!!!!!
Complaint sub-issue: Inadequate help over the phone

I disputed a public record appearing on my Equifax report. The item has been paid in full and has been released/dismissed by XXXX XXXX 's District court. I requested the item be removed from XXXX, XXXX, and Equifax reports via dispute investigations. XXXX and XXXX removed the public record with no further action on my part. However, Equifax continues to report the item despite the item being released by the court. In addition, I was told on XXXX/XXXX/XXXX ( via phone ) that the item would appear on my file until XXXX XXXX or XXXX because of Equifax 's internal retention policy. The crux of my complaint is that credit reporting agencies should be consistent and accurately report personal information. Failure to do so affects individual creditworthiness and is an abuse of authority. All credit reporting agencies are bound by the same rules, FCRA and individual state of residency policies, which supercede internal company policy, in this instance. As a result, I feel that Equifax actions are unilateral and inconsistent. I humbly request that the public record be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I did not give y Equifax permission to furnish this information to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). Which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. 

Please furnish a copy of the original promissory note redacting my social security number.
Complaint sub-issue: Received unwanted marketing or advertising

I am over XXXX years old and have been receiving unwanted calls from different numbers. I have been suffering from XXXX XXXX XXXX and these unwanted calls affect me very much. On XX/XX/XXXX at XXXX XXXX, ( XXXX XXXX XXXX - said this agency wants me to enroll on Forgiveness Program. I never loaned to go to any school in my life. The agent asked me to call a toll free number XXXX to complete my " file ''. On XXXX XXXX  of XX/XX/XXXX, another number XXXX XXXX XXXX XXXX left a message on XX/XX/XXXX saying that I should reach their office so they can take a necessary action about a proceeding case and the deployment # XXXX. A robocall ( XXXX XXXX XXXX left a message on XX/XX/XXXX at XXXX XXXX  only saying " Hello, this is XXXX with the finance '', and kept repeating. On XX/XX/XXXX at XXXX XXXX, this phone numbers ( XXXX XXXX XXXX left a message about student loan that I never borrowed, left a toll free numbers ( XXXX XXXX XXXX. Prior, the same person called and left a message on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX, agent with direct phone number XXXX XXXX XXXX XXXX left a message about " federal student loan repayment ''. Again, I did not borrow or file for a student loan. There were occasions that I looked for online classes because of " work source '' website but I did not apply for a student loan and I didn't pursue any online class at all. Thank you for the investigation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX I notice unauthorized inquiries reporting, I have called both creditor and credit bureau and have sent certified mail documents. 
XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I need assistance in requiring the credit reporting agencies XXXX, XXXX, and Equifax to stop ignoring my oral and written instructions to correct errors on my consumer report. I have mailed 3 notices by mail with instructions and called twice on XX/XX/2022 and XX/XX/2022. I should have a lock on all XXXX reports and yet there are over 25 hard inquires for XX/XX/2022. There are accounts listed that are not mine and I require the CRAs to remove them. There are addresses not personal to me that I require the CRAs to remove. There are many unauthorized hard inquiries not once authorized that I require to be removed. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the information listed in the section below be corrected, updated, and deleted permanently. I have not given my written consent allowing them to provide or furnish any of the information in question. But I have given them oral and written instructions to correct the invalid information and accounts. They are not following my instructions and this is a violation towards me.
Complaint sub-issue: Attempted to collect wrong amount

In XXXX I was in a car wreck but was making payments on bills. I assumed debt was paid off. However about two years ago someone acting to know me called me at work when I noticed it was n't anyone I knew I hung up phone. I was servered papers by someone that was very rude and got me in trouble with work stating they where going to have a court date and begin garnishment of my wages however I was in college at the time and not getting paid for my work I was in a training position volunteering my time to gain knowledge of my profession. Creditor XXXX XXXX XXXX took my XXXX dollars of a student loan I was getting to pay for my classes I have records from XXXX to prove this fact and caused problems with my courses because they took my funding for college courses at XXXX XXXX XXXX which I also have records showing I was in college there from XXXX to beginning XXXX then I was at XXXX XXXX XXXX of XXXX XXXX to XX/XX/XXXX. I lost my position at XXXX due to harassment by creditors on business phone. I was recently highered by a collision center XX/XX/XXXX about two weeks ago I was served again garnishment papers which then also got me in trouble with my work that to is only a training program but I do get paid enough to pay for tools needed for my jobs duties. I missed payments on my tools due to garnishment and it 's causing problems at my work. For several month I received calls about this debt and still have them saved on my phone. I was not given any chance to defend myself either and talked to an attorney which said there is a statue of limitation on debt of 6 years however it 's been over 14 since. I hope something is done about this.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I opened my Wayfair acct. on XX/XX/XXXX and made a purchase. I paid it off within the month and it has had a XXXX balance since than. On XX/XX/XXXX I discovered fraud on my acct. and opened a claim and shut down my acct.. The fraudulent charges were as follows : XX/XX/XXXX for {$1600.00}, XX/XX/XXXX for {$1600.00}, XX/XX/XXXX for {$480.00}, XX/XX/XXXX for {$1000.00}, XX/XX/XXXX for {$770.00} ( stopped ), XX/XX/XXXX for {$460.00}, and XX/XX/XXXX for {$930.00} ( stopped ). I just received a letter from their fraud department saying that Im responsible for these charges. Im shocked that any of this was possible. One person I spoke with told me the charge on XX/XX/XXXX was flagged as fraud but they ended up letting it through without trying to contact me either by phone or email. Also when I made the one purchase on XX/XX/XXXX I received an email with purchase details, tracking number and estimated delivery date. I didnt receive any emails on the fraudulent charges. I also dont know why they allowed the charge on XX/XX/XXXX for {$460.00} a day after I notified them of the fraud and asked them to close the acct.. Im so frustrated! Please help me with this company.
Complaint sub-issue: Reporting company used your report improperly

Pursuant to the Heroes Act ( Section 110401 ) DISCOVER BANK violated my rights by reporting late payments during the XXXX Pandemic. 

see attachments
Complaint sub-issue: Reporting company used your report improperly

I have inquiries on my credit report that I did not authorized I sent proof of police report and identity theft report to transunion and they still refuse to remove these inquiries that I did not authorized
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put  myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Complaint sub-issue: Reporting company used your report improperly

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX Should there be any updates on my inquiries, Im gon na go to court
Complaint sub-issue: Information belongs to someone else

I AM REQUESTING THAT THESE ACCOUNTS BE BLOCKED FROM MY CREDIT REPORT BECAUSE THEY DO NOT BELONG TO ME. I HAVE REPORTED THESE ACCOUNTS TO THE FEDERAL TRADE COMMISSION, WHICH IN FACT IS A FEDERAL LAW ENFORCEMENT AGENCY JUST LIKE MY LOCAL POLICE. IM ALSO INCLUDING MY CURRENT UTILITY BILL, SOCIAL SECURTIY CARD AND MY CALIFORNIA DRIVERS LICENSE TO VERIFY MY IDENTITY
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Hunter and Warfield keeps calling and harassing me about an old debt to my previous landlord. I explained to them several times that I couldnt previously pay the debt because I was out of work due to COVID. I also stated that since Im back working that I wanted to pay what I owed. The landlord is trying to charge extra money for old carpet and I was living there for eight years. The agent started being very disrespectful and had previously hung up on me when I wouldnt agree to pay the amount that they requested. I talked about the interaction with a different person but the rude one keeps calling and being very disrespectful. I have told him several times to stop calling me.
Complaint sub-issue: Their investigation did not fix an error on your report

My account shows XXXX, and 90 days late on a credit card payment. This is not accurate.
Complaint sub-issue: Debt is not mine

Afni is attempting to collect a debt by mail that I am certain I do not owe. It is for a XXXX account and I have never had a XXXX account.
Complaint sub-issue: Investigation took more than 30 days

" To whom it may concern '' As a consumer I should not feel the way I do! Terrible, Appalled, and Disgusted! It doesn't seem fair at all that the 3 bureaus ( XXXX  ) ( Equifax ) ( XXXX  ) continually go against laws that Congress has put in place for the consumer! My children my wife and myself should not be made to suffer for the bureaus lawlessness! I'm coming to you because of who you are, THE CONSUMER FINANCIAL PROTECTION BUREAU. The ones who help consumers by making rules more effective and enforcing laws so consumers can take control over there economic lives!

According to 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Accuracy And Fairness Of Credit Reporting. Even if we just look at # 4 There in complete violation of my right to privacy! I've been over looking this for far to long and I'm sick and tired of it! Furthermore under 15 USC 1681b Permissible Purposes of consumer reports, I never gave them any written consent to report anything on my consumer report. I've called these bureaus numbers of times XX/XX/2021 even way before this date, written letters as well! It's always the same lie as if they can validate a debt. I am the consumer they can not validate a debt, to validate a debt is to access an action. I'm the only one who can validate a debt and any debt on my report is not mine! It's not true! According to 15 USC 1692a ( 3 ) I do not owe any debt and I am not obligated to pay any debt!!! Furthermore, Constitution Article 1 Section 10.

Another lie they told was they did an investigative report before. Well according to 15 USC 1681a ( E ) they have to do interviews with my neighbors, friends or associates. They never provided any information associated with me the consumer! I told the 3 bureaus that Medical Information is not supposed to be furnished on my report there a HIPAA Violation of the Fair Credit Reporting Act. And yet they still stand! XXXX XXXX has some for {$290.00} others are {$240.00} {$280.00}. XXXX has one for {$910.00}. XXXX has one for {$7300.00}. Again I've called written letters e.c.t. I want all these derogatory marks removed from my credit report at once. Thank you for your help. I am greatly appreciative!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$100.00} also XXXX XXXX XXXX XXXX has violated my rights for the amounts of {$5500.00}, {$6600.00}, and {$770.00}.

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1200.00} Inquiries : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Regarding Macy 's Credit Card -- I recently noticed, and called Macy 's, about their tapping my XXXX Credit Report -- XX/XX/2019 and XX/XX/2019. In XXXX, Macys lowered my limit to {$1100.00} and in XXXX, to {$600.00}. 
When I called the Macy 's Customer Service, I asked 1 ) why they were lowering my limit and 2 ), why are they tapping my Credit Report. 
The woman told me they checked my credit report and lowered my scores because I have not used my card in a while. I believe she said they do this if a customer doesn't use the card for six months or longer. I told her this caused my score to decrease and is a red mark on my credit report. I asked them not to tap my Credit Report again and that I will probably be closing my account. 

How can I have them fix my Credit Report and ensure they will not contact the Credit Bureaus again because I have not used their card in a while. 

Is Macy 's activity illegal? 

Now I have to pay the credit bureaus to lock my account. Ridiculous. 

Thank you.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX I was contacted by my loan officer due to me trying to purchase a home and was informed that a credit card from XXXX XXXX XXXX XXXX was on my credit report with a balance of {$460.00} that was opened in XX/XX/XXXX and closed XX/XX/XXXX. I contact XX/XX/XXXX and informed them that this is not my debt and need to submit this to the fraud department and ask them where did they send this card. They informed me that they sent the card to my current address ; however I never received this card. I then ask them was there an email address or phone number on file they said no. They informed me the debt had been sold to Jefferson Capital Systems which they are sending me an affadavit report because they said they did not receive any Identity theft report from XXXX XXXX XXXX XXXX which I sent to XXXX and XXXX XXXX XXXX XXXX said they had received on XX/XX/XXXX and electronically sent over to Jefferson Capital. Identity theft report will be attached this information as well. I informed XXXX XXXX XXXX XXXX that they are the original creditors and need to investigate and REPORT THIS AND REMOVE FROM ALL 3 CREDIT REPORTS IMMEDIATELY. I have also called all 3 credit bureaus and reported as FRAUD AND PUT FRAUD ALERTS ON ALL REPORTS AND SENT IDENTITY THEFT REPORTS AS WELL. Please Please have them remove this information the account number is XXXX. Also this account was opened after my Chapter XXXX  which I filed in XX/XX/XXXX and they used my maiden name which I have not used since XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I do not have knowledge of these accounts. The following accounts contain inaccurate information. Please investigate and verify the following information.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amt : {$25000.00}, XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX Amt : {$18000.00}, XXXX XXXX XXXX XXXX  : # XXXX XXXX : {$2500.00}, XXXX XXXX : # XXXX XXXX : {$200.00}, 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: Problem while selling or giving up the vehicle

I leased a XXXX XXXX XXXX through Tesla Motors, Inc. I have the ability to sell my car to a Dealership under the guidelines of this contract. I submitted a Sell to Dealer request on XX/XX/2021. They emailed me saying they would contact me with further instructions within 24-48 hours. It is XX/XX/2021 and they have not contacted me or the dealer yet with an accurate payoff. I was forced to make another payment on the vehicle because they failed to provide me and the dealer proper information to payoff the vehicle. They have violated Regulation Z 1026.36 ( c ) ( 3 ).
Complaint sub-issue: Information belongs to someone else

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX**** ; XXXX XXXX** ; XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX** ; XXXX XXXX ( Original Creditor : 12 XXXX  ) XXXX** ;
Complaint sub-issue: Personal information incorrect

To whom it may concerm the three major credit reporting agency are spelling my name and using the wrong address on my credit file I have sent several notices to change this or update my personal file but nothing has changed.
Complaint sub-issue: Debt was result of identity theft

This account was previously deleted since it was an identity theft and I provided with the Identity theft police report to the previous collection company 3 years ago. Now I believe they sold the account to another company and the collection re-appeared 3 months ago. Ruining my credit and my home refinancing process.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Discover reduce my credit limit causing purchases to go over the limit and purchases to be declined affecting payment obligations without notice. My credit limit was reduced from {$1800.00} to {$1200.00} without any notice or consent. I contacted the credit department and they acknowledged that no notice may have not been give which is completely unacceptable. The credit card was not overdue and is was not over the limit until they changed the limit.