Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site 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. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Their investigation did not fix an error on your report

Okay so i was in Kansas XXXX  XXXX XXXX ( XXXX  ) when I gave XXXX  to my children ( XXXX  ) in XX/XX/2014. When you are ward of the state ... They are liable for hospital bills ... and any other bills that are incurred since i was not even able to have insurence if i wanted. I had to dispute a few debts with transunion and equifax due to hospital bills that were on my credit report. All were removed except this bill through XXXX XXXX  that i have disputed twice now. I dont understand. This is not my debt ... It belongs to the state of Kansas and its showing negitivity on my report and im trying to clean my life up.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$920.00} COLLECTIONS XXXX {$220.00}
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent XXXX, XXXX and Equifax dispute letters. The credit companies are not complying with their own policies in a timely manner.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Eos cca is the company originally XXXX they broke there own contract they wouldnt fix the dish didnt have I XXXX I mean not any services at all, I then canceled service because they refused to fix it then they sent out the wrong boxes after I called them to send out the new boxes they told me to keep them horrible customer service then proceeded charge for the contract they broke not me because refused to fix services and Satellite boxes they were refused to ship out the right boxes they ship smaller boxes on purpose then charge me instead of shipping which is felonious contact me further information XXXX sincerely XXXX XXXX XXXX XXXX ps because of the harassment I would like to sue this company for false/Inaccuracies on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft my personal information has been in data breeches and my wallet was stolen spring of XXXX. I have reached out to XXXX XXXX, XXXX XXXX, and Equifax. none of which can seem to do the right thing and removing accounts, inquires, addresses and names that are FRAUD ON MY REPORT. I AM SUBMITTING ALL SUPPORTING DOCUMENT HERE AS AN ATTACHMENT. THESE AGENCIES LOVE TO SAY THEY CANT IDENTIFY ME OR THERES AN ERROR PLEASE NOTE I HAVE TRACKING NUMBERS FOR THE DOCUMENTS BEING SENT TO THE AGENCIES THAT TOO WILL BE ATTACHED ; consumer reporting agency shall BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( ( 4 ) ) ) business days after the date I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) I HAVE MANY NAMES, INQUIRES AND XXXX ACCOUNTS THAT DO NOT BELONG TO ME. NAMES ARE : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. ADDRESSES ARE : XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX NY, XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX NY, INQUIRES ARE : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX- XX/XX/XXXX FRAUDUANT ACCOUNTS ARE XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

On XX/XX/2020 i recieved an email from TrueAccord on behalf on XXXX XXXX threatening me that if i did not contact them regarding the debt, that XXXX will use an attorney to take me to court for the alleged debt.
Complaint sub-issue: Debt is not yours

not my debt. stop all communications with all household members.
Complaint sub-issue: Information belongs to someone else

Decided to make a big move to buy my first home. I knew I wanted to go into the first time homeowners program. Due to them being able to help you financially as I was sitting with my mentor he said my credit needed to be pulled. I knew I had good credit so I had no worries about that being the first step. Out of surprise a big list of accounts I have never ever seen or heard of in my life showed up. Those accounts do not belong to me. Please remove those things for my credit report. 

XXXX XXXX  XXXX XXXX {$4200.00} XXXX   XXXX {$6200.00}
Complaint sub-issue: Didn't receive notice of right to dispute

This item is beyond the statute of limitations and needs to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

on XXXX XXXX XXXX i informed Equifax that an Account they are reporting by Credit Factor Account Info Overview Reference Number XXXX Date Filed Reported on XXXX XXXX, XXXX i informed Equifax that this account was past the XXXX of limitations they responded on XXXX XXXX this was their response " Wa have reviewed* the Lien Information. Case ID - XXXX & XXXX the results are : We have verifed that this public record item is reporting correcty " on my letter i to Equifax i did not dispute that this account is mine but that under federal Law this account is way past the statue of limitations and should no longer be showing in my credit report. 
Equifax has FAILD misserably to protect My personal Information and millions of other Consumers personal Information Now they are showing Disregard to follow the law and not responding to my request to remove this item from my credit report as it isrequire by law Accordingly
Complaint sub-issue: Account information incorrect

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXXXXXX XXXX  Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last 6 months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within 30 days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.
Complaint sub-issue: Investigation took more than 30 days

Good Afternoon, I'm not quite sure what's the hold-up but it's been more than 70 days counting that your credit reporting agencies failed to respond to my investigation or dispute. I understand that we're facing with global pandemic of COVID19, but come on! It's taking longer than expected and i haven't received anything about these student loan account, but it continues to report incorrect, incomplete, and it's completely unverifiable. How come all 3 major credit bureaus are reporting 3 different dates of opened ; 3 dates of last active, inconsistent payment history, and different account name and number. This is totally a violation of my rights and it's impossible that this can be different if it's coming from the same creditor or furnisher ... correct? Again, There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Complaint sub-issue: Trouble using the card to pay a bill

Dear sir/madam, I had a visa gift card from XXXX store on XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX on XX/XX/2019. It should have USD XXXX. After I used it a few times in Michigan and Florida ( later I moved ), card declined at store for not having enough money. Initially, I have not paid much attention. Fortunately, I didn't throw the card away either. I visited the website mentioned on the card and check the balance. I found that I spent little ~ USD XXXX, and rest of the XXXX disappeared. However, balance showed on the webpage ~ XXXX. 
Kroger gave me a case number ( # XXXX ) but never resolved the issue. I waited many many hours wasting my valuable time to speak to multiple representative of visa gift card. I sent them document that I collected from XXXX XXXX XXXX, but still nothing happened. Later I read lot of people lost their money. 
I will appreciate if you kindly help me. Please let me know if you have any question. 
Sincerely, yours XXXX
Complaint sub-issue: Information belongs to someone else

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of deroPlease remove these fraudulent accounts from my report as soon as possible DEPTEDXXXX   XXXX
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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: Can't use card to make purchases

We do not use her XXXX XXXX card that often but we received a promotional email for some special financing so I logged into my XXXX XXXX  credit card account online just to confirm the available credit and at the top of the screen it reads for your protection we have issued a new card and have limited online access to your account please register your new card I had no idea why you would be sending me a new card so I called after being transferred multiple times hung up on them once then calling back sitting on hold multiple times you finally came back and told me that my account was closed I inquired as to why we've been a good customer for many years put me on hold again I guessed it figure out whatever your story was going to be this time you came back you told me that the authorized user called on XX/XX/XXXX it said that the account was fraudulent first of all be in the authorized user were together on XX/XX/XXXX neither one of us called second we don't carry the credit cards with us so there's no way we could have called with the credit card number that you always ask for and even if your crazy story was true the authorized user is allowed to close my account the primary and keep in mind he didn't call and neither did I so I can't help but wonder what information did you receive and who actually called you you always claimed these calls could be recorded well do you have a recording because I would love to hear it because I want to hear exactly when somebody called and closed my account without my knowledge because I don't believe that happened I don't know why you close my account but it was not at the request of me and you claim on your website you're sending out new cards when will I expect those if the account is closed why are you sending new cards?
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

To Whom It May Concern, On XX/XX/XXXX I was on my XXXX XXXX noticed my score had dropped from an account I was an authorized user on a citi card which was opened XX/XX/XXXX. Total credit Limit was {$7400.00} on said card. This was probably a cousin of mines account who forgot to remove me as an authorized user as I haven't seen that card In years. I called citi to remove myself from the account they told me I needed the last 4 digits of the card # which I do not know.

All I want to do Is either be told the last 4 digits so I can take the right steps to have myself removed as an authorized user through citi cards. This was reported from XXXX. I can be reached on my personal cell if any questions. My number is XXXX or XXXX. 

When I gave my social to citi cards they only had my actual cards on file.
Complaint sub-issue: Public record information inaccurate

CoreLogic XXXX XXXX, XXXX XXXX, CA XXXX Toll-Free : XXXX XXXX XXXX XXXX, Local : XXXX XXXX XXXX XXXX. 
InXX/XX/XXXX/ XX/XX/XXXX, an attorney on my behalf contacted CoreLogic & provided documentation regarding a false report by CoreLogic, a 3rd party Credit reporting agency for " criminal history ''. The supervisor from CoreLogic assured my attorney & I over the phone that this would be removed. We provided proof the " XXXX XXXX XXXX '' was AMENDED TO A NON CRIMINAL OFFENSE OF XXXX XXXX, WHICH IS A DEGREE of " XXXX '' -not a criminal act &  as petty as XXXX. NOT A XXXX OR XXXX. FROM NJ-XXXX County, XXXX XXXX, NJ. Yet Core Logic Continues to refuse to allow me to email their legal dept with proof, they have no portal where I can upload the documents and they refuse to email me back stating they can only snail mail me! They provided XXXX which is merely a scripted emailbox & no real live person responds. I got a scripted email stating I'd get a memo from them in mail in 30 days after I disputed with this email address. NOTHING HAPPENED. This has been ongoing problems for years which has cost me thousands of dollars, affected my housing and my quality of life. this company should not force consumers to be on the phone for hours on hold then force consumers to provide them their soc sec NUMBER as a form of identification and other identifying data, opening them up for more fraud, and then if they can't answer their 'identifying ' questions, they are not helped. They need to have a better policy in place than 'snail ' mail & this horrible 'email ' address which does nothing as they are not answered by live people. Then consumers must wait 30 days for a snail mail letter. They should provide it via email.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX. I spoke with the lady at the bankruptcy court because my credit also has a banktupcy on there thats not mine. She clearly stated that there is no bankruptcy in their court system so please tell me how this happen. I am doing this on my own behalf and really need someone to help me with this.
Complaint sub-issue: Account status incorrect

Equifax along with the help of XXXX XXXX has improperly reported information on my credit report for years and broke the law. They have admitted this to me in writing and I demand remedy from XXXX  for the improper use and damages. I have attached a affidavit of truth, invoice, legal notice and the exhibit proving these proof and admission, and the same information has been sent certified mail green receipt to the company. I just want them to do right by me as a consumer and the law.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX I submitted a request to XXXX Equifax and XXXX. Transunion is the ONLY one who complied. Equifax and XXXX have yet to respond or comply with my section 609 request as of today X/X/2017. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.
Complaint sub-issue: Company closed your account

US Bank, at branch level, closed my account and restricted access to online and statements. I communicated 2 months and was lied to by 4 different individuals as to why account was closed. US Bank stamped a check account closed onXX/XX/XXXX. I was told the account was NOT CLOSED shortly after. I received a letter XX/XX/XXXX stating after the date of the letter the account will be closed. This has caused other banks to put holds on my accounts causing declined payments in turn causing fines, fees, and heartache. My credit has been damaged terribly. I was also discriminated based on my religion from branch manager. I was restricted grow withdrawaling funds and there was no hold, and it was available. Even the phone bankers and the teller told me the money was there and available, but just wouldn't release. I've been waiting 3 months for resolutions. Haven't had any call backs and no one gives answers. I just received statement on Fri XXXX of XXXX. Outrageous. I now have restricted access to my XXXX accounts due to their closing and opening of my account without informing me. Please help
Complaint sub-issue: Information is not mine

I have tried to contact the company XXXX to find out who what where and when this account was opened but have gotten little to no help with this it seems like you can put info in online to get the credit card. It is reported three different times twice XX/XX/XXXX and XX/XX/XXXX. I want this to stop affecting me very time I go to buy anything.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/XXXX I noticed a larger monthly payment for Home Depot. I called Home Depot customer service and Spoke with a representative who informed me that there were two accounts in my name. The account was opened when home Depot had a breach in XXXX, all transactions default to my bill. I requested information on the other account along with transactions, statements all receipts for both accounts. I still have not received any response. I sent a follow-up certified letter and still have not had any response pertaining to my request for documents. I have filed a police report.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Complaint sub-issue: Investigation took more than 30 days

I've sent in letters dispute letters, to have unverified items taking off my report. I've contacted all the creditors and they where not able to verify the accounts. I've contacted the credit bureaus and nothing has been deleted. I have one DISCOVER FIN SVCS LLC with the amount of {$230.00} on my XXXX  report which hasn't been verified after I sent them a letter to verify my debt. On my XXXX  Report, XXXX XXXX XXXX, XXXX with the amount of {$240.00} was not verified and I need it deleted. On my XXXX  report XXXX XXXX XXXX  with the amount of {$1000.00} is unverified and should be removed since they didn't send the correct information to verify the debt, I was sent a letter with no signature saying that I signed for the debt and the amount was {$1000.00}.
Complaint sub-issue: Account information incorrect

This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!
Complaint sub-issue: Reporting company used your report improperly

Yes, I received my Credit Report from other companies. My first credit score was XXXX, 2nd XXXX, 3rd XXXX ... I have never had a credit score that low in my life, and I'm XXXX yrs old. This credit score came from SageStream , LLC. from California. I feel that this score will affect my other credit scores when it comes to finance from a bank ... I have paid my bills from electric, telephone, other loans & from bank loans ... NEVER, had these companies had to call to collect money or even late charges from me XXXX XXXX XXXX XXXXXXXX XXXX XXXX