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

Contacted XXXX credit reporting about and issue with 4 outstanding credit notes on my report, all were disputed and claimed investigation pending? Both Equifax, and XXXX were contacted several weeks later and were questioned on the status? And how could my score drop when court documents and arrest warrants were filed as Well? The answer I got was we don't investigate anything all we do is put the information from the credit card company in for information? So my next question was so you don't confirm anything they answered no. The managers name was XXXX and wouldn't give the last name but was in the fraud unit? He went onto state that Fico does the scores and not them? I then contacted Fico and questioned them on how does a dispute get handled? The manager stated that he doesn't do any investigation for fraud and he does is take what the credit companies submit but does not verify anything? So here all three company 's charge consumers for fraud protection but none do any investigations and only rely on what the credit card company submits? Nothing is confirmed at all through the courts or anything, but yet you are charged every step of the way.
Complaint sub-issue: Information belongs to someone else

I am requesting the account listed below to be removed immediately. 
XXXX XXXX XXXX acct : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Reporting company used your report improperly

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number.I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report and correct all history and addresses DELETE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CORRECT and verify Payment history XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UPDATE XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( only address ) XXXX
Complaint sub-issue: Debt is not yours

I received my report and Enhanced Recovery Company had reported this dept on XX/XX/2019 in the amount of {$210.00}, that I do not owe. I want this debt removed immediately.
Complaint sub-issue: Problem during payment process

Discover has Called me XX/XX/2018 - 5 times : XX/XX/2018 - 4 times : XX/XX/2018 - 4 times : XX/XX/2018 - 4 times ( this is Saturday ) XX/XX/2018 - 5 times : XX/XX/2018 - 6 times 1 : XX/XX/2018 - 7 times .... All and more are on my phone record through XXXX XXXX XXXX - I Missed payment this month on the XXXX and can not pay until I was paid on XX/XX/2018. Called this morning XX/XX/2018 to submit payment but asked why the are calling me so much due to a missed {$50.00} payment. Asked if the call was recorded for my sake. The employee hung up on me.
Complaint sub-issue: Account status incorrect

In late XXXX I received a Strange call from XXXX XXXX XXXX XXXX which stated my account has been compromised and they would be sending me out a new debit card. They also suspended my my online banking which revoked my access to all my account associated with XXXX XXXX  XXXX. Now mid way threw XXXX i receive another call saying my account was over drawn I told the rep i will not verify anything over the phone and I would like to call the number on the back of my card which i did right after the call and the rep said my account was fine and not overdrawn. Now XX/XX/2022 I received another strange call saying my account was over drawn again so i said ill go into the bank and I will not be talking to anyone over the phone because something weird is going on. So XX/XX/XXXX I went into the branch to clear everything up. After sitting with the rep they wanted to make sure I was the one that made certain transactions which we confirmed they banker then removed all the blocked on my account and online banking. That same day I made a payment of {$340.00} to my credit card account in which I've never been late on. Now today XX/XX/XXXX I receive an alert on my consumers report that I have a late payment reported from XXXX XXXX XXXX XXXX which is not true. I would like this matter resolved and the late payment removed from my consumers report. I will provide proof of my payment and how my account was not pass due ever.
Complaint sub-issue: Information belongs to someone else

This is my other 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$36000.00} ; XXXX XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance {$1400.00} ; XXXX XXXX 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 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: Their investigation did not fix an error on your report

I have LATE payment on my credit report that should never be report because I was attend school. In 2017 I attend college which I attach the certified letter from the VA education office showing all the date that I attend school. I'm requested the late payment to be change to on time payment an current.
Complaint sub-issue: Information belongs to someone else

I recently obtained a copy of my credit report and saw many fraudulent accounts on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

HELLO, I AM INQUIRING REGARDING THE REMAINING NEGATIVE ACCOUNTS, THAT ARE CURRENTLY REFLECTING ON MY CREDIT REPORT. IT IS NOT FAIR TO ME THAT AFTER SEVERAL ATTEMPTS AT TRYING TO RECTIFY CERTAIN DEROGATORY INFORMATION ... THE CREDIT BUREAUS HAVE FAILED TO PROVIDE ME WITH ACCURATE AND COMPLETE RESPONSES REGARDING THE NEGATIVE ACCOUNTS ON MY CREDIT REPORT, WHICH I'M DEFINITELY NOT LIABLE FOR. THE MAJORITY OF THE ACCOUNTS HAVE BEEN EITHER REPAIRED OR DELETED OFF MY CREDIT REPORT. THERE IS NO REASON AS TO WHY IF XXXX XXXX XXXX  WAS ABLE TO DELETE ONE OF THE XXXX XXXX ACCOUNTS FROM MAY OF XX/XX/XXXX, DUE TO THE FACT THAT IT DID NOT CONSIST OF ANY ACCURATE INFORMATION AND DOES NOT PERTAIN TO ME. THE OTHER XXXX XXXX XXXX  ( AUTO ) ACCOUNT FROM XX/XX/XXXX, WHICH DOES NOT BELONG TO ME IS STILL THERE. PLEASE HELP ME REMOVE THE FALSE NEGATIVE HISTORY OFF OF MY CREDIT REPORT IMMEDIATELY. I GREATLY APPRECIATE IT.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX account ending XXXX, has violated my rights XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX Shows no account number, has violated my rights. 

XXXX XXXX XXXX XXXX no account number, has violated my rights. 

XXXX XXXX XXXX Account ending XXXX, Has violated my rights. 

XXXX account ending XXXX, Has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

These companies have violated the following code sections 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: Account information incorrect

In XX/XX/XXXX the XXXX XXXX, FL courts order XXXX XXXX   to remove the debt they had reported on my credit profile to be removed. I contact Equifax three times and provide documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All three times I received notice that they could not remove this debt off my profile. WHY! I have a court order stating it needs to come off. What else do I have to do to resolve this?
Complaint sub-issue: Other problem

My name is XXXX XXXX, and I have a XXXX account and a card linked to it ending in XXXX ; XXXX told me it belongs to me. It is under Comerica Bank, but I don't bank with y'all, and can y'all tell me if the card is in y'all system and if my name is in y'all system or who owns it?
Complaint sub-issue: Information belongs to someone else

I went to get my car lease refinanced and they approved me with a very high interest rate. I pulled my credit and see items on there that is not mine. I've contacted the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX and XXXX XXXX XXXX XXXX. Please remove these items from my credit.
Complaint sub-issue: Personal information incorrect

I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already.
Complaint sub-issue: Their investigation did not fix an error on your report

I am having the most difficult time with Equifax, I recently received a copy of my Equifax credit report on XX/XX/XXXX. I have been calling them for the past two months ( XXXX & XXXX ) about fraudulent inquiries I do not recognize on my credit report. I also sent a certified letter on XX/XX/XXXX, requesting they delete 13 inquiries on my credit file. Equifax sent me a letter on XX/XX/XXXX regarding my dispute and advised the inquires are factual record and to contact the creditors. Equifax did not provide me with any verifiable proof that these inquires are factual, I asked in my certified letter that the send me verifiable proof. I understand that Equifax should n't be allowed to put an inquiry on my file unless I have authorized it. I also understand under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed. Equifax has not provided me any proof or resolution to my concern. 

Inquiries in question are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX shows an account in collections that is beyond the SOL for the state of CA.

Attempted to get debt removed-CRA 's have not done so.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was alerted today XX/XX/2019 that there was a new hard inquiry on my credit report from XXXX located in XXXX, FL XXXX. I did not authorize this and I have not had any contact with this company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently sent disputes to all three crdeit bureaus as well as the creditor ( CBNA ) And ask them to send me copies of the application with my signature
Complaint sub-issue: Didn't receive enough information to verify debt

BAY AREA CREDIT SERVIC You've committed " FRAUD '' It has been brought to my attention XXXX5 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Complaint sub-issue: Was not notified of investigation status or results

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

A few years ago I ventured online for a payday loan. The loan that came up was XXXX and I applied and was approved. I received the funds and realized the interest rate and after further researching I knew this was not something I wanted so i returned the payment to the company and closed my bank account after I found out that XXXX was not authorized to do business in the state of North Carolina. The company three years later has reported this to all three major credit bureaus after I completed disputes that the company was not legally able to provide the loan in my state and that I paid the payment back for the only 3 days that I had the money.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I NEED TO FILE A COMPLIANT REGARDING INQUIRES AND AN ACCOUNT REPORTING ON MY CREDIT REPORT. I NEVER AUTHORIZED ANY OF THESE.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/2021 I sent a letter to Bloomingdales regarding inaccurate and unknown things on my report. On XX/XX/2021, I sent out another letter. To this day over 60 plus days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and many have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

Earlier this week, Equifax announced they had a cyber security data breach that affected many people. Based on their link that tells you if you may be affected or not, my information may have been affected. This is unacceptable. I try to make habits of protecting my credit, and this company just negatively affected millions of lives. Based on the fine print, if I register to get a year of free credit monitoring, I forfeit my right to sue. This is also unacceptable. Just because someone may have took my information does not mean they will use it within a year.
Complaint sub-issue: Debt resulted from identity theft

A credit card was open under my name as a result of a identity theft with exxon mobile. Reported the account as fraudulent, but they are still reporting me as responsible for it.
Complaint sub-issue: Account status

I had XXXX state tax liens in the amount of {$8200.00} and {$5400.00} that were PAID and released by the state of Massachusetts in XXXX 2014. I have requested Equifax update my report to reflect the release status multiple times. XXXX already has, but Equifax continues to report the accurate status.
Complaint sub-issue: Debt is not mine

I continue to get calls from a company called Enhased Recovery regarding a debt I dont owe, for a person I dont know. My number is unlisted and I can not get a person to answer if I lrt the call come through to ask them to please stop calling me!!
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

This complaint includes a file, which is the exact online chat transcript of my conversation with 2 Discover Card Representatives : first, XXXX, who was clearly showing signs of the usual great Discover Customer Service, but because of the nature of the problem, apparently XXXX had to call a Supervisor named XXXX, and there was where I found the bad customer service which is usually heard from other banks and companies since years ago. Simply, Discover reduced my credit limit from the original {$6000.00}, to {$5000.00}, just with an e-mail letter sent last XX/XX/XXXX, that I was not able to read until today, 10 days later, after my Discover  Card was rejected at a local ATM from the recognized Bank called XXXX, here at XXXX XXXX XXXX, in XXXX XXXX XXXX, very close to our home where this shopping mall is located, and this ATM was used without problems before. But, the same Discover Card Company, sent me just 4 weeks before, another e-mail approving half of my original credit line for credit card cash advances, so {$3500.00} was the new credit card cash advance limit, half of the credit line. Both e-mails are included as evidence, the one from XX/XX/XXXX, and the one from XX/XX/XXXX, which I was not able to read on time, and even in that case, that does not change the problem : My credit card with Discover was way within its credit card limit, before this problem which started just on XX/XX/XXXX. I was counting with this card for  emergencies, as any of you can read in the online chat transcript document I included, not provided by Discover or by XXXX, but is copy paste I made by my Son before closing the chat, because there was no offer this time for sending on an email the chat transcript, had to do it all by myself. Discover simply reduced my credit line by {$1000.00}, so 10 days was not enough to avoid been unfairly forced by this action to an over the limit balance problem I did not had. It was provoked by Discover by allowing this, and my next payment is about to be made just days from now, next Wednesday XX/XX/XXXX, the XX/XX/XXXX Wednesday of the month, because my income is from Social Security and this was clearly informed to Discover on a previous online chat just days ago. XXXX was completely out of what is expected from Discover, far from their excellent customer service, just saying I should have a good rest, and asking me to ask for an automatic credit line increase as if this was a regular credit line increase, when it is not : my credit line was reduced, and 10 days notice is not enough when you put an account in an over the limit situation the customer did n't had, the way I explained to this bad supervisor called XXXX. Please read the online chat transcript and see the 2 letters included for details.
Complaint sub-issue: Account information incorrect

Dyck ONeal is reporting collections as open accounts with past due dates and past due amounts.these are COLLECTIONS accounts, NOT open accounts.they are reporting FALSE information in violation of the FDCPA and FCRA.i called them on XX/XX/XXXX to ask why I havent received information I requested in XX/XX/XXXX and they said they sent it in XX/XX/XXXXand would not send it again.thier false information is damaging my credit and they REFUSED to send requested information.they are committing fraud with this inaccurate information and if they dont want to remove it I intend on seeking legal action and expect them to pay the {$1000.00} per item fine as required by federal law
Complaint sub-issue: Information belongs to someone else

The following account with XXXX XXXX : XXXX is a fraudulent and unauthorized account. I did not apply for the account. The account was opened up fraudulently. The account is not my account.
Complaint sub-issue: Public record information inaccurate

The credit reporting agencies refuse to remove information that is not mine on my credit reports
Complaint sub-issue: Public record

I filed for Bankruptcy XX/XX/XXXX and was discharged XX/XX/XXXX. During the bankruptcy the trustee did not pay real estate taxes on properties in the estate and the liens have been recorded against my credit file which they should not have been.