Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Two rounds of dispute letters were sent to Equifax on XXXX, XXXX, 2022 and XXXX XXXX in regards to XXXX XXXX reporting a collection account which has not been validated with signature as requested. This collection account remains on my credit report despite not being fully validated.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, In XX/XX/XXXX, I was notified that there was an account on my credit report from a loan taken out back in XX/XX/XXXX. When I reached out to the credit collections, they informed me the loan was with XXXX XXXX XXXX XXXX and that I could reach out to them as they was asking for repayment. I was able to get in touch with XXXX XXXX XXXX XXXX and they stated the loan was mine and I would have to work with the agency. I reached out to the agency and was told I could file a police report and submit to Equifax. When I went to the police station back in XXXX, I was told that I needed the account number but XXXX XXXX would not provide this information to me. XXXX XXXX kept referring me back to the collection agency. I ended up writing a letter to all XXXX credit bureaus regarding the situation and XXXX XXXX updated my credit report, taking the collection debt off. Equifax, however did not and stated that this account was mine. We are now in XX/XX/XXXX and this is still on my account. My credit score is great and I am looking to resolve this matter and get this account removed. I have attached my current credit reports as of XX/XX/XXXX to show the negative account on my credit and highlight my XXXX and XXXX account as it has been removed. To prevent this issue from happening again, I have locked my account so now all open accounts under my name have to be verified.
Complaint sub-issue: Confusing or misleading advertising about the card

I got a card.com card specifically for the XXXX they offered to me and my friend the referrer if I satisfied their direct deposit amount by a certain date. I got the dd info immediately online they said I could set it up even before my card came in mail I gave it to my employer and they tried to do my pay it wouldn't work .I never got my card and I had moved so I called them to advise and that my dd wouldn't work they said they would send a new card and to try dd again I did again my employer tried it didn't work. I got a card and after 3 attempts my pay went on there but then they never gave me or my friend the XXXX and when I called about it they denied us because its only for " 1st '' time 1st card issued. Because I never did get my card the first one nobody knows still where it is, and tgey had sent a second card which I have now they say im not eligible! Thru no fault of mine, the card I have was and is my first account and card with them they know I never received first card, they are calling this card my 2nd card! They are rude and wouldn't link me to anyone for escalation so I quit routing my pay to card and now tgey keep charging me every month a service fee for not having my dd now I am on unemployment and I need that XXXX for me and my friend .we met their requirements and I have never gotten or been able to use the first account because I never got a card XXXX is their number XXXX bank is issuer through card.com.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Ive received phone calls just asking what is my social security number. They called from different phone numbers.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX .... Balance : {$7200.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$99.00}
Complaint sub-issue: Debt is not yours

I have been monitoring my credit for awhile now and today noticed a collection account placed on my XXXX report and as of today this is the one report this fraudulent account is on at this time. I do not have online access to my XXXX XXXX report online so I can not verify if this fraudulent account is on this report or not. Please investigate immediately and remove from my credit report immediately. I do not know of this debt, what it is in relation to nor do I now who this company is but I do know that I have not done business with them. This account is fraud and it is damaging my credit. I need it removed immediately. I tried reaching out to the company but they are unwilling to assist in this matter. I will also be filing a police report.
Complaint sub-issue: Frequent or repeated calls

Keep getting repeated robo calls from company called ERC. I do not owe any debt, have been debt free for last 15 years, except for 2 auto loans which are paid via allotment. I have even went so far as to go to the ERC web site and filled out form to have them stop calling me but the calls still persist. I am XXXX and wife is XXXX and these repeated calls upset us. I am asking that this company be charge a fine or whatever the legal term is of {$500.00} for each phone call. My FICO score is XXXX and no bad credit in my credit report for last 25 years or longer!
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/2019, I was informed by Discover that my credit card had possibly been used fraudulently. Upon checking my account I noticed five charges that had been made on my card by a scammer in XXXX XXXX, Florida. I live in Georgia  and have never been to XXXX XXXX. Discover realized the mistake and credited the Florida charges. My account was closed and a new card was to be issued that I should receive in 5-7 days. Discover also added additional security questions to my  account including a verbal password stating these additional features should protect me. I also put a security freeze and fraud alert on my credit report. 

After 15 days, I contacted Discover to inform them that I never received a new card. A Discover representative said the new card had been sent but it had not been activated. When she confirmed my address, she used the XXXX XXXX location!!! The scammer was able to get a new Discover card in my name sent to her Florida address. How is this happening? 

Again, I attempted to correct the address debacle. Discover closed that account and sent me a new card via XXXX XXXX to my address in Georgia. I received the card the next day. As of today ( XX/XX/2019 ), no new charges have been made to my credit card account. 

The compliant is that prior to XX/XX/XXXX and since that time the scammer has been able to change my mother 's maiden name and change the verbal password created to protect me. How does a maiden name change? Shouldn't that create alarm? The scammer knows my name, social security number, and birthday. I welcome the third degree I now get when I call and I continue to request additional security on my account as the scammer seems to know everything typically used and Discover falls for it. Additional protection has been provided ; however, I continue to get emails and phone calls from Discover to verify that I want to change my email or home address, etc. 

Related to this is that I've had fraudulent activity on my Discover Bank account as well ( {$4000.00} ). Previously, I didn't realize that Discover Bank and Discover Card are two different entities and require their own security options. When I thought I was safe with Discover credit card I find out later that Discover Bank doesn't have the new information and visa-versa. The scammer had access to both. 

Even with the new security measures Discover has taken, I can never trust the Discover credit card or Discover bank again. 

Thank you PS : My XXXX  account was also compromised. One conversation resolved the matter. The account was closed and a new card was issued within days. Thank you XXXX XXXX.
Complaint sub-issue: Debt was paid

XX/XX/XXXX, {$530.00}, I have contacted XXXX XXXX XXXX several times requesting proof of a debt for several years and I have been told it is my responsibility to prove I do not owe the debt. I have not had service with XXXX XXXX XXXX for over 10 years, however, the company is reporting service with them as early as XX/XX/XXXX. I have written a dispute to the credit bureau-XXXX-with no resolution.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem making or receiving payments

Cash App 's account and debit card offer " Boosts '', cashback offers at various stores or other vendors, and accounts are limited to having one active at a time. An activated boost shows up on the " Cash Card '' screen of the app along with other card info. As the expiration of a boost approaches, the app shows how much time is remaining, and in my experience when a boost is expiring within a few hours or minutes, it will show " Expiring Now ''. Once a Boost has expired, it will remove the Boost from this screen and prompt the user to add a new Boost. 

On Saturday, XX/XX/XXXX, I had a Boost active for {$1.00} off each XXXX ( XXXX XXXX XXXXXXXX Subway ) ride. As I hurried through the subway station to catch an arriving train, I took a quick look at the app to ensure the Boost was still active. The app still showed the Boost with " Expiring Now '', indicating it should still be active. I used my phone to pay with the Cash App card at XXXX XXXX. 

Following the payment, the app acknowledged my subway fare payment of {$2.00}, but not the {$1.00} back, as it typically does when the Boost is successful. 

I followed the in-app steps to try to get the Boost applied to my transaction, but received a message stating that I did not have a Boost activated at the time of the transaction. Double-checking the Cash Card screen, it still showed that the XXXX  Boost was active. While I was unable to take a screenshot, as doing so is restricted by the app, I was able to take a photo of the screen at XXXX with my partner 's phone. 

I opened a conversation with Cash App 's Support team later that day, indicating my issue. I was given instructions to submit the transactions to review that I could not complete. I was instructed to follow the same steps I had taken previously to try to get the Boost applied to the transaction but select " Submit for Review ''. However, I was unable to submit it for review, as I would encounter the same message stating I did not have a Boost activated when the transaction occurred. 

I responded the following day ( XX/XX/XXXX ) noting that I could not submit it for review and provided the photo showing that the Boost was active even after the transaction. I received a reply from Support the next morning ( XX/XX/XXXX ). Support 's reply first restated that I had no Boost applied at the time of the transaction. After pressing them on why the app still showed the Boost as active, they stated the Boost had actually expired at XXXX, while my transaction had occurred at XXXX. Again I pressed them on why an expired Boost would show as active, and was told it could have been a 'glitch '. I noted that they should be responsible for fulfilling the Boost, as the glitch is a problem with their own product, and I should not be at fault or suffer a loss due to it, but they would not budge. I noted that this was a simple matter of refunding me {$1.00}, but they were unwilling to even do that as a courtesy. I informed them I would be filing a CFPB complaint if it was not resolved, and was told they had no additional information they could provide on my issue.
Complaint sub-issue: Was not notified of investigation status or results

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$3000.00} / XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

I need all credit cards prior 2012 removed from all credit reports. 

Also, i have a repossessed vehicle and the car wasnt mine. It was apart of ex-wife name but for some reason its on my report
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE BEEN TRYING FOR ALMOST 2 YEARS TO GET SOMEONE TO DO THE FOLLOWING : 1. EXPLAIN TO ME WHY THIS DEBT WAS PLACED ON MY CREDIT REPORT 2. WHY DO THEY KEEPUPDATING IT LIKE IS FRESH INFO, NOTICE THE DATE OF XX/XX/2022 XXXX. THE PHONE NUMBER THEY HAVE LISTED, NOONE ANSWERS NOR DO THEY CALL YU BACK ESPECIALLY On SATURDAY MRNING 4. I HAVE FILED THIS TWICE IN TW YEARS CAN'T EVEN GET ANYNE T LISTEN To THIS BEING A FRAUD SITUATIN
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX Loan with account # # # # # # # opened on XX/XX/2017 and a balance of {$0.00}. 

Account is reporting XXXX diffrent dates of last activity., there are XXXX different account STATUS, XXXX XXXX reporting a DEROGATORY, while EQUIFAX XXXX a PAID account. XXXX different last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while EQUIFAX is reporting XXXX also with no late payments reporting. if it's the same account being reported by the same creditor why is this different?
Complaint sub-issue: Reporting company used your report improperly

To whom this may concern, CoreLogic illegally furnished fraudulent reports without my knowledge or consent infringing upon my right to privacy pursuant to 15 U.S.C.1681b, 15 U.S.C . 1692e, and 1692d false and misleading information in my consumer file/report. This information was in turn supplied to XXXX as well as XXXX XXXX XXXX. A clear breach of my privacy has taken place under the guise of : " credit risk assessment ''. I am demanding that this information be removed and ask that Remedy be sent through mail.
Complaint sub-issue: Report improperly shared by CRC

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX XXXX, XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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  - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the XXXX XXXX XXXX in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!
Complaint sub-issue: Debt is not yours

Equifax reply meet FCRA requirement as and explanation under the FCRA consumer reporting agencies are required to provide consumers with information in own file upon request.to make a statement along meet FCRA requirement dose not necessarily mean the FCRA laws are being followed meet FCRA requirement is intended only as a general commentary any debt collect can report anything to Equifax File.as a consumer I should be able to see start balance -- -- - unpaid balance and reason for the balance with my signature on it I ask only that the information be made available to FCRA are to me as the consumer if Equifax is unable to provide the information they should not continue to report false information into one file account credit collection service.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I placed a dispute on a purchase on XX/XX/22 about a credit card purchase made where the product was not delivered, on XX/XX/22. I purchased an account for a virtual game service on XX/XX/22, and have no access to the account as of this day. I have not received the product that I paid for and have not been able to correspond with the company. I would like this to be remedied and get my money back. 

I can provide evidence of being unable to log in, but I have not gotten anything from them about how to correct this issue.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written or permissible purpose to advertise or furnish my information and pursuant to the FCRA ( Fair Credit Reporting Act ) you are willfully committing a federal violation. Within thirty ( 30 ) days, I asked that you give me written notice of following my instructions. You are willfully noncompliant and according to the FCRA are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.
Complaint sub-issue: Account status incorrect

Key bank had reported late payments to my account for my credit account ending in XXXX XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX, XX/XX/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, XXXX XXXX : # XXXX, XXXX FIN : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Complaint sub-issue: Account information incorrect

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}