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

XXXX XXXX {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report
Complaint sub-issue: Debt is not mine

Hello, I have attempted to dispute the account the collection agencies who have taken an account to collections with XXXX credit bureaus in the amount of {$610.00}. The debt does not belong to me, I have attempted to speak to them and have them validate the debt in writing and I have sent XXXX letters of validation to which I have receipts for and they have failed to respond to. Not only is it XXXX company disputing the same debt in collection but it 's XXXX different companies disputing it in different credit bureaus. I will be filling separate complaints to both companies. I am reaching out of your help because as a last resort before I reach out to my attorney. Please help me and I appreciate your time.
Complaint sub-issue: Unexpected increase in interest rate

I was told at the Best Buy store that when I added a purchase to my Best Buy credit card by Citibank that any payments I make on the card with the 0 % interest rate for 24 months would be used come off of the original purchase first and then be used for any secondary purchase after that. I set it up so my payments were made automatically on my card every month and that so the original purchase would be paid off by the time I would have been charged any interest. Instead, the credit card company must have allocated my payments every month to my 2nd purchase, thus when the 24 month period had ended for my 1st purchase, they claimed I still had not paid it off and slapped me with an {$870.00} interest charge for the 1st purchase. I called and explained that I wanted this interest charge removed because it is a shady way of offering a 24 month interest free promotion. Very shady. If I would have not added any more purchases to the card, the first purchase would have been paid off. So, they punished me for making an additional purchase on the card while I was paying off the first purchase.
Complaint sub-issue: Debt was paid

Debt was placed on credit report then forced to be removed and now they are attempting to place the debt back on my credit profile. It is my belief this is being done with malice.
Complaint sub-issue: Problem using a debit or ATM card

on XX/XX/2018 I was with my wife at XXXX ( XXXX XXXX XXXX XXXX XXXX IL. XXXX and I spent {$33.00} and then we went to XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX  IL XXXX   and I spent XXXX  with my debit card and then we went to Home depot at XXXX XXXX XXXX XXXX XXXX IL. XXXX and I spent XXXX. I then checked my account and notice that someone used an atm at Citibank at XXXX XXXX XXXX XXXX and withdrew two cash withdrawal from my account for {$500.00} and {$300.00} at XXXX. I filed a police report and notified the Citibank at XXXX that day. Citibank sent me a notice that because they used my account and pin number the charges were mind. I explained to them that I cant be on the west side  of XXXX  using my debit card and pin and also downtown using the same card. Please can you help me
Complaint sub-issue: Reporting company used your report improperly

This company denied me a right to get a auto loan due to the improper and inaccurate information reporting on my consumer report. This company took adverse action against me denying me a right. How can you deny a consumer something when I am the one extending my credit to them, This is a violation of the Gramm Leach Bliley Act, because they are invading my privacy. 15 USC 6802 and 15 USC 1611 false and inaccurate information willingly and knowingly. 

The information provided on my consumer report is damaging my reputation.
Complaint sub-issue: Account status incorrect

After graduating with my XXXX XXXX it took me about 6 months to continue with my XXXX XXXX at a university awaiting my approval and to save up money to continue at a big university. I never once received any mail or phone call that my account was no longer deferred until I got to the university and they said I might want to give XXXX a call, I called and found out that my accounts were 180 days past due and that my number was wrong and that my address was old. They told me the school should have let me know that my account was longer in deferment, how can you say that when you are the loan service provider. Long story short I received a job offer from a local agency the reason for me going to school and taking out any loans and they told me credit was showing delinquent. So I called XXXX and explained them my citation they didnt even care no sympathy even when I told them about my career choice and how 6 months working there they do school reimbursement that could even pay them back even faster than I could just correct credit errors.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022
Complaint sub-issue: Charged too much interest

Hello, I had held a XXXX XXXX credit card through US Bank for several years. I responded to a 0 % balance transfer offer on XX/XX/XXXX, at a transfer cost of {$390.00}. When the annual fee hit my account on XX/XX/XXXX I called on XX/XX/XXXX to see if it could be removed. Customer service representative XXXX informed me that I could close the account and the fee would be refunded. I notified her that I had a 0 % interest transfer that I was still paying. She placed me on hold and came back to say that I could continue with the 0 % interest until XXXX even if the account were closed. I asked again and she assured me that I could continue to pay based on the terms of the balance transfer. 

I checked my account on XX/XX/XXXX and {$230.00} in interest had been charged. I again contacted US Bank. Another CSR said that interest had accrued since the card was closed and that this was US Bank policy. I explained my conversation with XXXX and that the balance transfer offer did not have any such language on it, he put me on hold and came back to say that the interest charges would be reversed, and that he would look into why the annual fee had not been reversed. He cautioned me that he could not continue the 0 % interest until XXXX, in spite of what XXXX had assured me and what was written on the transfer offer. I asked what this meant going forward and he said I would need to pay off the card before the next statement date or I would be charged interest. I specifically asked if I paid off the card by the due date if I would be charged interest and he said if it was paid in full no interest would be charged. I paid off the credit card prior to the due date. I just received a statement and have another interest charge of {$170.00} even though the statement was paid in full. It also does not appear that my account is closed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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.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: Investigation took more than 30 days

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XX/XX/XXXXAccount # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX XXXX XXXX, Added an account that has been handled through my Chapter XXXX Bankruptcy, but yet they ave listed this account with all 3 credit agencies as open. This debt is included in my chapter XXXX bankruptcy, it s illegal to list any debt that is included in a chapter XXXX, and list on a creditors file as open. I tried to handle this repeatedly through the 3 credit bureaus and they refuse to verify through my attorney and court.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, XXXX, Equifax and XXXX are in direct violation of the FCRA Laws list below. 
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.

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: Information belongs to someone else

THE ACCOUNT BEING DISPUTED HAS NO RELATION TO ME. THIS ACCOUNT HAS BEEN CAUSING HARM TP MY CREDIT AND REPORTING INACCURATE TRANSACTIONS. PLEASE HAVE THIS ACCOUNT REMOVE AND CLEARED FROM MY CREDIT REPORT.
Complaint sub-issue: Old information reappears or never goes away

Hi, We are requesting your assistance in having old addresses be removed from all 5 credit reporting bureaus. I am considering buying a house and i don't know how to get the old addresses removed. 

These companies would be : XXXX  Equifax XXXX   XXXX XXXX XXXX  XXXX Thank you for your help!!!
Complaint sub-issue: Debt is not mine

Afni collection agency is coming after me for a XXXX XXXX bill that is my sons. ( {$300.00} ). He is the account holder, the debt is in his name, his address and his phone number. All signatures on the service agreement are NOT mine. They have my name on the top of the agreement ( which I never saw ), that is all they have. Afni, XXXX XXXX XXXX IL XXXX, is attempting to collect a debt I knew noting about and threatened to send to the credit bureau. I am a XXXX XXXX XXXX woman living on social security. I tried explaining to them that it was my sons debt but to no avail. I do not know what to do. I can not attach any documentation but I have it physically. I do n't know what to do. I have called legal aid, they told me to go to XXXX Mississippi. When I went to the web site there was nothing for me to acknowledge, just a section to complain. Help please
Complaint sub-issue: Public record

There is an account on my credit report that I have disputed several times with Equifax. XXXX and XXXX have deleted the item from my credit report because it is past the statute of limitations. However Equifax persists to have the item remain on my credit report. I do n't know how long they plan on reporting it, however, at this point I can not afford to wait. I have loans pending and this item is holding me back. The item is a dismissed Bankruptcy from 2007 ( Case No. XXXX ). From all of my research this item is supposed to be removed 7 years from the filing date. We are now at over XXXX years!!
Complaint sub-issue: Information belongs to someone else

Equifax show wrong information in one of my closed accounts. The are not available online neither by phone to clear the invalid credit increase in one of my credit account closed on 2017.
Complaint sub-issue: Account status

I have inquires on Equifax credit report more then 30 days ago I sent letters out demanding an investigation this in the second time about 10 days later Equifax replied letters for each inquiry informing me that they do n't investigate also stating I had to contact the company 's doing the inquiry I had already done that those request mostly went unanswered, or I had contacted Equifax these inquires have inaccurate information that I 'm disputing these are the ones I am disputing XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, X XXXX with Equifax the 30 day investigation period has been exhausted XXXX fair credit reporting act i am requesting that your agency enforce the fair credit reporting act with Equifax.
Complaint sub-issue: Other problem getting your report or credit score

I get my FICO credit score as a monthly benefit of my Costco/Citi VISA credit card account. In XXXX of 2019, it suddenly dropped from XXXX to XXXX. I have been trying since that time to find out why. I've also gotten my free annual credit report from XXXX   which shows no adverse information whatsoever. The only financial transaction that I've made since XXXX that would impact my credit score was to pay off the small balance remaining on an installment contract a few months early. 

My calls to Citibank have been especially fruitless. Every customer service agent that I talk to gives me a different story, but each essentially says that there is nothing they can tell me or do to get answers from Citibank. I've asked to speak to supervisors, but none will do that. Several have told me to contact XXXX, which I have done. XXXX tells me there is nothing in my credit report that would justify any drop in my credit score, let alone such a large one. They also claim that they only pass my credit information on to Citibank, not provide a score. Neither will give me any way to contest or get my score reviewed. I'm caught in a Catch-22. 

My credit score hasn't been below the low 800s for years. I own my home with no mortgage, have a low 6 figure annual income and high 5 figure amount in my savings and checking accounts. I've never had a bankruptcy, unpaid bill or even a late payment in my life. My only debt is 2 credit cards that I've had for years. I keep the month end balance of each card below {$1000.00} by making interim payments before each of their month end dates, then pay off the entire statement balance each month. 

I hope the CFPB can help me get answers.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, this my second complaint. It is very disappointing that Equifax is not following the law. I have asked on multiple disputes for Equifax properly dispute the accounts in question. I have also asked Equifax to please send me a proper METHOD OF VALIDATION. I asked Equifax who they talked to, What email they sent to these furnisher, what was the dispute reasons, I asked Equifax to send me a copy of the responses the furnisher sent back. I also sent Equifax this ... ....

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to act as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, with  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter via U.S. Postal MAIL, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully Equifax continues to ignore my demands
Complaint sub-issue: Information belongs to someone else

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2010 with a balance of {$4500.00}.
Complaint sub-issue: Account information incorrect

This account is being shown as 3 separate collections. This is incorrect. The company intentionally split up the incorrect balances to cause irreparable damage to my credit. The initial balance was {$3700.00}. It now shows that initial collection + two additional collections which equal the 1st balance.

Three negative delinquencies for one incorrectbalance.
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : 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 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: Information belongs to someone else

XXXX XXXX AND EQUIFAX CREDIT REPORTING AGENTS ARE IN FACT LISTING ON MY PERSONAL CREDIT REPORTS INACCURATE AND FRAUDULENT INFORMATION IN MY GOOD NAME. NOW DAMAGED. 
ACCOUNT NAME CREDITOR XXXX XXXX XXXX I NEVER OPENED THIS ACCOUNT. 
I HAVE FILED AN FTC REPORT AND CONTACTED XXXX.
Complaint sub-issue: Received bad information about your loan

Hello. I am an XXXX XXXX member of the United States XXXX XXXX. I have been on XXXX XXXX since XX/XX/XXXX. I have federal loans. I applied for the public student loan forgiveness program in XXXX. I was told at the time that I had been paying too much on my standard repayment plan and by time I did an income based repayment plan my loans would be paid off before they were forgiven. I know now that to be completely false. In XX/XX/XXXX, I applied for the TEPSLF program. I had to wait until XX/XX/XXXX for the Department of Education to determine whether the United States XXXX XXXX was a qualifying employer. Then I promptly got a denial letter because I had FFEL loans. I called student aid and they explained that I could consolidate with direct loans but I would have to start the 120 qualifying payments all over. 

I saw the news about the overhaul of the program. I called student aid and was on hold for over 20 minutes. I then had to be transferred to a different department where I have been on hold for over 30 minutes. Thats nearly an hour total. 

I am requesting your help. I have made payments on my federal student loans since XXXX. I have been a member of the XXXX XXXX XXXX XXXX the entire time. Thank you for your consideration. 

XXXX XXXX XXXX XXXX