Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I have disputed through the Company directly along with having the record deleted from my credit accounts for debt that is not under contract or has no valid contract to owe. So now I am here asking for help. They are negatively impacting my credit score which is affecting my business loans on a contract that is not binding or has not contract showing ownership.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. These accounts are not mines
Complaint sub-issue: Their investigation did not fix an error on your report

I wrote all  XXXX  credit bureaus notifying them of an error on my credit report that if not removed will cause me to pay a much higher interest rate on a mortgage I am desperately needing.     XXXX   wrote back and said there was an issue with my Identification documents, so I called them and answered their security questions and they said the would investigate and get back to me.   Meanwhile   XXXX   wrote me and   removed the error.   XXXX   and  XXXX  have done nothing, my loan officer said they are still showing on my credit report. It is incorrect and I need it deleted and now I have only a week to get this done!
Please help!!
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to XXXX, Equifax, XXXX and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XX/XX/XXXX : Account number : XXXX, This account was unauthorized. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XX/XX/XXXX XXXX BANK XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX - XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.XX/XX/XXXX XXXX XX/XX/XXXX| XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX OF XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and updateXXXX XXXX XXXX XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have sent three letters via registered mail in order to obtain information. Each request for information goes unanswered.
Complaint sub-issue: Reporting company used your report improperly

n accordance with fair credit reporting act XXXX Account # XXXX has violated my rights.15 u.s.c. 1681 section 602 A states i have right to privacy.15u.s.c 1681section 602A it also states a cosumer reporting agency can not furnish account without my written instructions. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I went on to XXXX XXXX and noticed that there was an account opened in my name fraudulently. I never opened account in question so I am a victim of fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2017 {$1100.00}, XXXX XXXX XXXX XXXX XX/XX/2017 {$0.00}.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Jefferson Capital has a history of misreporting collection dates to give accounts new DLAs and further damage peoples credit. They recently purchased a debt from XXXX XXXX. The update they added on XX/XX/XXXX via my dispute with XXXX was the historical account data which according to them is a major delinquency in XXXX of this year, when in fact they failed to update that date to correctly reflect the original date of XX/XX/XXXX, not XX/XX/XXXX, which is the disputed item at hand. 
They failed to update the dates to the correct dates, even via a dispute with XXXX. 
JEFFERSON Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX They added this derogatory item subsequent to the dispute I filed, which is not relevant to the reporting. They purchased the debt on XX/XX/XXXX. There is no " 1st Rptd '' of anything in XX/XX/XXXX <<<<<<<<<<<<Date Maj. Del. 1st Rptd XXXX EFFERSON Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
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, 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: Personal information incorrect

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX DOB XXXX SS XXXX I am not an attorney or a third party, I am filing a complaint on behave of myself. 
I have been traveling back and forth from California to Ohio for the past 3 years. I am however an Ohio resident. I am requesting a copy of my full XXXX XXXX, XXXX and XXXX credit reports. I am not sure how all this works but I would like a Security PIN from all 3 so I can protect the integrity of my credit profile.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

My Texas Workforce Commission unemployment benefits are dispersed using a US Bank ReliaCard. They are a fraudulent and dishonest financial institution. They have locked my account under the guise of a possible fraudulent transaction. The fraudulent transaction was me trying to transfer money from my card to my bank account. I.e. There is no fraud. Now they have had my account locked for 10 days, and will not acknowledge that the documents that they they requested, were received. Four different times. Apparently this is a huge issue with thousands of unemployment recipients. They are denying us access to our money, and will not contact us to let us know when we will be able to use the card. Honestly, it seems illegal. What are our options to bring this issue to light with the US government? Why would the government do business with such a shady and dishonest institution? 
Please help, as these unemployment benefits are my life line.
Complaint sub-issue: Debt is not mine

I wanted to cancel a gym membership at XXXX in XXXX FL, due to a major car accident injury that I suffered. I had to cancel after the seventh month of the the XXXX year contract. To cancel they wanted to charge me {$500.00} plus. I refused to pay that amount and now they are harassing me by giving my number to debt collectors that call constantly to threaten me of ruining my credit and filing suits. I think this is fraud and a very low move by this chain of gymnasiums. I hope someone drops the law on them because they need to be stopped.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report fraudulent information on my credit report. Upon talking to XXXX supervisor XXXX  XXXX officer of consumer, I explained the original creditor XXXX XXXX XXXX was reporting two different amounts, on two different credit reports for the same services, but using false information as the original creditor, which was XXXX and XXXX XXXX XXXX, XXXX. They also used two different amounts for the same services, which was removed from my XXXX and XXXX report. Since the disputes have been removed from those two reports, they have recently sold the account again to XXXX XXXX, which they decided not to follow through with the account. Documentation and proof of false information being reported by XXXX XXXX XXXX and XXXX XXXX XXXX has been attached. XXXX XXXX also violated my HIPAA rights by providing XXXX XXXX XXXX an itemized bill with personal information on there with services that were not provided to me ( which is attached ). XXXX XXXX XXXX were not able to provide me a HIPAA release that released my medical information to them. The itemized bill listed fraudulent services.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On approximately XX/XX/2022, I contacted XXXX to purchase an engine for {$3700.00}. I was told that the engine was available and once the payment was completed, I would be emailed a tracking number within 24 hours and the engine shipped. After not receiving the tracking number I called XXXX and was informed that they didn't have the engine and it would not be available until XXXX. After being informed of this I asked for an immediate refund being that the salesperson said she verified the engine was available and ready to ship within 24 hours. I then contacted Discover and initiated a dispute for fraud because the merchant told me that they had the engine ready to be shipped and the salesperson verified it to be ready and available. I tried to initiate a dispute at this time but was told that I could not dispute this at this time and had to give the merchant 10 days to return the money to my account. After 12 days I called into dispute the transaction and them aware the credit from XXXX still was not available or returned to me, so then the dispute was filed by Discover. During this time I was not able to view or verify my other transactions. After filing the dispute I called Discover and made them aware that my bill was incorrect and there were some discrepancies ( items that were charged missing ) on my bill. I was told that the bill was correct and that amount it showed was correct ( owe {$4.00} ). After a few days, the bill changed again ( owe {$590.00} ) After the disputes and the changing of the bill, there are some charges on my bill that I do not recognize. I have tried calling some of the merchants to verify if the charges are actually mine.
Complaint sub-issue: Account status incorrect

This XXXX account # XXXX has been paid-in-full. XXXX is reporting the account as " Derogatory '' and in a " Payment Plan ''. Neither is true. This account is also " closed ''.
Complaint sub-issue: Their investigation did not fix an error on your report

I still have an account on my credit report from all 3 bureaus when the account is past 7 years and 180 days. and I can not get my parent plus loan or anything. it's affecting my credit score as well.
Complaint sub-issue: Account information incorrect

I 'm Just trying to get Equifax to report my plus XXXX XXXX  account correctly. It shows as an open account, when in fact it should be closed. It was on my BK, and it shows as such, why would it be listed as open. Thank you very much for looking into this matter, I hope it gets corrected.
Complaint sub-issue: Account status incorrect

XXXX, XXXX, & Equifax is reporting inaccurate information on my consumer report WITHOUT permissible purpose and is causing damages to my report and my character. Fifteen United States Code 1681 A Rules of construction paragraph 2 titled exclusions states that transactions do not report to the consumer report and late payments are forms of transactions so this means that if a late payment is reported to my consumer report its a direct violation of the Fair Credit Reporting Act resulting up to XXXX $ per violation. 

XXXX : XXXX XXXX ( XXXX ) XXXX : XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a request for a follow suit on a collections account. I sent the information to Equifax and the collection account came back verified through Equifax. When XXXX attempted to verify the debt they couldn't so they in turn DELETED the account. There would be no way one could verify the account and the other can't. This does not provide for MAXIMUM POSSIBLE ACCURACY WITH MY REPORT.
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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 XXXXXX/XX/2020
Complaint sub-issue: Not given enough info to verify debt

I have now got a letter from pmab saying I now owe XXXX it was XXXX. I got the rest of XXXX and it does n't total XXXX it says previous debts which from the last letter it was only XXXX. Now this letter added, it looks to me if something is missing. I do not know where the rest is taken from. I do not owe this total amount unless it has been sent all medical to pmab. I am on XXXX and it is a protected income or exemption.
Complaint sub-issue: Information belongs to someone else

I have found two inquiries on my report that I reported should not be on my file. 
XXXX. XXXX XXXX  - XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XX/XX/2021 2021
Complaint sub-issue: Reporting company used your report improperly

Equifax did not take my credit report and private information 's security seriously enough, and clearly did not do their due diligence in auditing their security systems that protect my privacy, liability, and my finances. This has real effects on a lot of people, myself included. Equifax has stated they believe my data has been compromised during their recent cyberattack, and this is not acceptable.
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX  XXXX  Dispute not available EFX Help mark icon Whats this? 
View account details Account owner XXXXndividual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX  XXXX Date assigned XX/XX/XXXX XXXX XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX  Date assigned XX/XX/XXXX FINGERHUT/WEBBANK : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months 22 days XXXX FCRA violations : payments never late TEXAS XXXX EMPLOYEES : XXXX Dispute not available EFX Help mark icon Whats this? 
View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX days XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX, XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX
Complaint sub-issue: Fraudulent loan

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all 3 major credit bureaus ( XXXX, Equifax and XXXX ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer.
They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : U.S.C. 1681s- ( 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax and XXXX Scheduled payment amount reported by EQUIFAX and XXXX is incorrect and according to FCRA should be corrected and updated. I have documented proof but EQUIFAX and XXXX will not allow me to upload the documents online. Equifax and XXXX is stating that my monthly scheduled payment is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payment and EQUIFAX and XXXX refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving XXXX AND EQUIFAX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at EQUIFAX and XXXX even though they used to show the correct amount on my credit report
Complaint sub-issue: Information belongs to someone else

My problem is with these credit agencies that's reporting unverified accounts without certified physical documentation and not with the creditors themselves inwhom I have no contract with. I have disputed the following accounts a few times but the response of the credit bureaus always account verified. Who and when was these accounts verified, # 1 XXXX XXXX XXXX XXXX, # 2 XXXX XXXX XXXX I'm demanding that the above accounts be blocked immediately and permanently if I'm not provided with certified physical documentation and the Method Of Verification used as stated by the laws of the FCRA . I'm enforcing my rights as an consumer.
Complaint sub-issue: Deposits and withdrawals

CITIbank RDI located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX, reversed my deposited checks received from Blue Shield insurance. Citibank states that XXXX XXXX placed a stop payment causing my account to reflect XXXX in fees. At the present time I do not have any documentation from my insurance provider stating their actions to reversing credits due back. I need Citibank to correct the error in refunding my deposited checks for XXXX, including overdraft fees for XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax might have divulged my name, SSN, DOB and address ( as well as other informations ) to unknown hackers.