Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

On XX/XX/2020 Flagship Credit Acceptance falsely reported an {$86.00} balance increase on my credit report causing my credit score to drop 62 points. This is after me asking them several months in a row to change my payment due date from the XXXX to the XXXX of each month and them not doing it.
Complaint sub-issue: Attempted to collect wrong amount

i have been fighting this charge since XXXX of XXXX on XXXX I sent another letter to the original debt company asking to verify that this is mine. They keep selling to different collection agencies saying failure to pay every month so they can keep this updated on my account ( they are re aging my account every month ) and they are failing to verify this collection. the fact of matter is my last payment last payment to the ORIGINAL creditor was paid XX/XX/XXXX. I was told this is a violation of the law.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX
Complaint sub-issue: Information is not mine

I properly disputed an invalid obsolete account three times and the account is over 7 years old and Equifax refused to properly investigate or delete. Please see attached.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX
Complaint sub-issue: Can't close your account

Paid off my Sears Card last XX/XX/2021. Continuous autopay payments came out of my checking account the XXXX of each month following. Last week I spoke with my bank and they researched, and stated the payments were made in error. ( these have been disputed ) When I spoke with a foreign person with Sears they stated they could not close the account I paid off unless I gave them my social security number by phone. I refused. I continue to receive calls from someone I believe is posing as Sears, trying to collect a debt. When I followed up with Sears weeks prior I was told they too could see I have a XXXX balance and the payments from my checking are not from them. 

I am getting harassed by someone texting and calling me now on a daily basis. They do not always leave a voice mail. XXXX is the number they call from. 

Please advise, XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

FAILED TO PROVIDED ME WITH DETAIL REQUEST FOR VERIFICATION! - I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 


Sincerely yours,
Complaint sub-issue: Didn't receive enough information to verify debt

I have attempted to contact this company regarding three debts that showed up on my credit report. Its time someone said they would send me information. I have yet to receive information and its been over three months since I talk to the last representative. I need to find out more information about these debts, If they are in fact mind I would like to settle them. I am currently unemployed.
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking  fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Complaint sub-issue: Company closed your account

I received a email from Citibank today, dated yesterday stating they closed my account for inactivity, and that the only way to reopen the account is by having my credit rechecked ; which is okay if I wanted a new card, but I do want a new card. It would be unwise for me to allow them to recheck my credit, because they failed to notify me in advance of the closure, and did not give me the opportunity to keep it open. Apparently, they did not want my business. My XXXX XXXX had not been used per their CS rep. ( XXXX ) and Manager ( XXXX ) in the last 25 months. I explained to them both, that I was not aware of that, and that they never notified me in advance to give me the opportunity to keep my account active, which was unfair. So, they both stated it was part of my contract, and in my contract that they could close my account. But, I know it would be proper procedure to notify the customer in advance about the potential of closure of my account, which did not occur ... furthermore, I am listed as a paperless/green customer in their records. No email received about closure without giving the opportunity to use the card is unfair. What fool with allow credit card customers to recheck their credit because of the credit card unethical business practices, I am not a fool. But, I wanted to alert you of their unethical business practices, because someone who might depend on their credit cards is being treated unfairly. I have a excellent credit rating, and thank God  have always had a good credit rating. So, this is just water under the bridge for me. Customers that keep their credit cards at XXXX balance every month should not be penalized, especially for unethical business reasons.
Complaint sub-issue: Public record information inaccurate

The credit bureau continues to report an inaccurate and unverifiable bankruptcy on my credit. I have attached a letter from XXXX showing they have deleted the bankruptcy. How is the credit bureau verifying this bankruptcy with XXXX when XXXX doesnt have a bankruptcy reporting against me? 

Reporting this bankruptcy is in violation of section 611 ( a ) ( 1 ) ( A ) of the FCRA.
Complaint sub-issue: Information belongs to someone else

fcra violations please see attachments : not mine XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Closed 26 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$8100.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$8100.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO CO - - - - XXXX 60 60 90 CO CO CO CO CO CO CO CO CO XXXX - - - - - 30 30 60 30 60 90
Complaint sub-issue: Contacted you after you asked them to stop

This debt is not mine i have asked numerous times it be deleted. Im harassed and my family. Says it was opened XXXX which is not true. {$1000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I put in the same exact dispute information to Equifax over incorrect or fraudulent addresses on XX/XX/XXXX, XX/XX/2020,XX/XX/XXXX. 
The resolution was that they were to be deleted I had called in to Equifax before the 10 month about it, they asked me the security questions that was on my profile. He then put in the same dispute as well after he told me he couldn't go in automatically and delete it himself. 

On XX/XX/XXXX. The resolution was to have those address deleted. Today is the XX/XX/XXXX. 
I called in again since now it has been well over 30 days to delete those from my account. 
I answered the same security questions and didn't pass even though I was looking dead off at my online credit report as I normally do when dealing with Equifax. 
She tried to tell me and then deny that she had asked me a so called security question that did not even pertain to my credit report over asking me if I ever had another credit card in the past even when I listed to her what all CC accounts I had. I had listed the credit limit and the monthly payment. 
She then tried to tell me that I needed to send in a copy of my id and social security number. I told her they had it already on file. She then asked me when I sent it in. Told her I couldn't remember since it was such a long time ago when I sent it from this exact address. 
She then replied instantly it wasn't on file ( Doubt she even looked being that quick ). 

I am tired of fighting with Equifax every time I turn around. They are the worse company to work with and they do not abide by government laws. They are outsourced to the XXXX when they should be American based!!!! 
All I want them to do is update and DELETE those addresses from my credit report!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of Identity Theft. Someone has placed things on my  XXXX  credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all  XXXX  credit bureaus along with multiple attachments as proof. By law, the  XXXX  bureaus had 4 days to block the information relating to the identity theft. Out of the  XXXX , only  XXXX  has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All  XXXX  of these bureaus should have blocked this information immediately and they have not.
Complaint sub-issue: Information belongs to someone else

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

This complaint is against Equifax I have contact Equifax on a number of occasions of an abnormality with my credit report. It appears that XXXX different credit profiles switch back and fourth. XXXX profile showing none of my active accounts and the other showing all my accounts. 
I spoke with an FCRA attorney, the term is called " split '' profile. Meaning, I will see XXXX credit report, creditors will see another ( or in my case XXXX ). For a number a months I have disputed this requesting Equifax to fix this - however, I will get the same automated response by them sending me a new report with no new information updated or stating that the information I am disputing are not reflecting on my credit report. 
I have attached the XXXX credit reports that reflect what I am speaking of. 

This irregularity has caused me not to be granted credit - not able to see what is going on with my credit report and dispute its inaccurate information. 
There are a number of inquiries on my credit report that I did not authorized - I have already contacted each credit granting company on my report with no resolution - and I keep getting denied by Equifax and not showing proof that I authorized those inquiries. 

I would like to add, according to the FCRA attorney these mistakes that Equifax has caused me calls for compensation for my time and effort and violations that they have caused for not fully reporting my credit report.
Complaint sub-issue: Not disclosed as an attempt to collect

The agents I spoke to were not only incredibly rude, but also refused to identify what their company did until I verified my personal information. They were harrassing until the point where I verified the information they had, and then they refused to provide me with a bill showing the amount I owed. The supervisor I spoke to ( after being transferred by the first abusive agent ) said that they would be unable to provide me with any documentation until after I paid. I explained that I would not pay until I received notice about what it is I was to be paying ( to avoid shady collection scams ), and was told my account would be documented appropriately but that they had " already sent me enough bills over the years, '' none of which I have received.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have submitted a cancellation of the entire order to both Best Buy Credit Card Services along with XXXX XXXX XXXX and the items are still appearing on my statement. I followed the cancellation process according to terms and conditions of both companies and yet I am still being charged for furniture which I have never received and or signed for delivery acceptance.
Complaint sub-issue: Indicated committed crime not paying

I had a judgement, was told as soon as it was paid they would update court records and credit report. 2 1/2 years later received notice that it had not been updated to either credit nor court. I have a letter stating account settled in full with XXXX balance, and that they would be updating my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my account and there are multiple inquiries I do not recognize XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, I notified Citi of fraud on my account. They issued a new card and allowed charges which included more fraud to roll onto the new card #. They admitted their error and issued me another card, which I have frozen. I have called them times out of mind regarding all the fraudulent charges made ( XXXX ). I paid the balance I owed as of XX/XX/XXXX. Citi sent me numerous requests to fill out forms stating I didnt authorize the XXXX charges. I responded immediately each time. Now, this has been going on for 2 months. Theyre requesting that I make a payment. One of their employees suggested I pay the amount due ( close to {$700.00} ) and then wait to be reimbursed when everything settles. Needless to say, I said I refuse to do that inasmuch as these are fraudulent charges. I continue to get numerous calls, letters and emails regarding the payment theyre requesting. I have never had this issue with any credit card company. I told them that I am a senior citizen, XXXX years old, and I feel Im being harassed. I stated I have been with Citi since XXXX and have always paid my balance in full and ahead of the due date. My credit score is XXXX. I am afraid that this is going to have a negative impact on my credit. All the communications were over the phone, which are supposedly recorded on their end. I have spoken with every department including customer service, disputes and fraud. Two months later, I have no resolve. I feel the public needs to know how Citi treats their clients its pitiful and harassing. I pray I can get some help through this site.
Complaint sub-issue: Information is not mine

I have several accounts listed with you that are fraudulent some of these companies such as pmab llc acct # XXXX have said they are removing these items as fraud as my idenity has been stolen but your credit reporting company has refused to remove it as such i have filed a fraud affidavit of identity theft and police report notarized the report also includes the email in which it was sent electronically with the named accounts that need to be removed immediately
Complaint sub-issue: Information belongs to someone else

15 U.S. Code 1692 consumer im not obligated to pay any debt.

The FDCPA only applies to third-party debt collectors, such as those who work for a debt collection agency. Credit card debt, medical bills, student loans, mortgages, and other kinds of household debt are covered by the law. 


XXXX XXXX Account number - XXXX Amount - XXXX date opened- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number - XXXX Amount - XXXX date opened -XXXX XXXX XXXX XXXX XXXX XXXX Account number - XXXX Amount - XXXX date opened - XXXX XXXX XXXX XXXX XXXX  Account number XXXX Amount XXXX date opened XXXX
Complaint sub-issue: Information belongs to someone else

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report that misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$280.00} XXXX  XXXX XXXX XXXX : {$420.00} XXXX  XXXX XXXX XXXX : {$2200.00} XXXX  XXXX XXXX XXXX : {$6400.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$58.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem during payment process

Macys act XXXX Orally gave my account information and it was never used to deduct from autopay. Dsiputed and tried to fix the problem and never resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

This is absolute Insanity with this company. My credit score dropped XXXX points in one day - despite the fact that I've paid my credit cards down even farther! They've also reduced my already incorrectly reported credit history by another month! 

This is affecting my ability to get hired with a consulting firm that works in the financial industry!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I advised the creditor that I requested a review of my credit history with Home Depot, which has been perfect for 3 years with no late payments and as the agent reviewed my account to see if they would increase my credit she neglected to advise me that a new credit inquiry would be processed. I was never asked my permission to run my credit. I assumed as a result that my payment history alone was what was being considered. If I had known then I would have cancelled the request for consideration of an increase of credit. I contacted the credit department after realizing there was a hit against my credit file and they refused to handle this issue accordingly and did not take responsibility for their actions.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I have the right under 15 USC 1681.

Equifax is govern by USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have been a Discover Card customer since XX/XX/XXXX. I have always been happy with their level of customer service and services. In XX/XX/XXXX, however, I decided to take out a cash transfer at a promotional rate. Since I wasn't using the card after taking out the transfer, I set up paperless billing and autopay and did not check the statements until this month ( XX/XX/XXXX ),  because the promo time was close to expiring. 

To my horror, I discovered I had been charged between {$140.00} and {$190.00} per month going back to last XXXX for something called " Payment Protection. '' Since I had no idea what this was, I did some research and found that it is a program that you get signed up for when you get a Discover card, AND there had been a lawsuit settlement back in XX/XX/XXXX because Discover had not been properly notifying its customers of what they had signed up for. 

I called the number next to the charges, and they informed me that since it had been on my billing statement, they would only refund 6 months ' worth of charges. I'm not sure why they chose that arbitrary number, but it is still profoundly unethical to charge someone for anything they weren't aware of, even if you " notify '' them that they are getting charged. 

This type of sneaky behavior stains the reputation of Discover Bank, and it definitely will affect the way I refer other people to banks or credit card companies. They clearly did not learn from the lawsuit seven years ago, and are still defrauding customers.