Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting your free annual credit report

Ive tried to get in touch with XXXX Equifax and XXXX Theres been a issue getting my credit report and FILE. My consumer rights are to have full access to reports and FILE. As well as I advise them of my rights pre accounts sent in on FTC form as well as complaint numbers to ftc. Still advise me that accounts were either verified or to follow up with creditors per consumer right Im the only consumer can verify and account to me mind,, creditor reporting non factual information to tarnish my reputation and worthiness or credit is against the law without my consent it is Also identity theft. As well as all accounts thats reporting late payment like XXXX acceptanceReporting late payment are not fact per law 15 Usc 1666 b as well 15 usc 1681b ( 2 ) also if theres a finance charge included per law 15 usc 1605 A shouldnt be any late payments the sum of all charges so consumer cant be penalized me for something payed in full also 15 usc 1681e b which is requiring maximum possible accuracy which is not whats being reports on several accounts. Serval closed accounts and derogatory I asked to be removed because these accounts broke several laws cause me pain and suffering i And bad reputation due to they determined me per CRAS UN WORTH FOR CREDIT DUE TO THE non factual THESE CRA USing there platforms to ruin my reputation which they are breaking the law as well as creditors reporting these things without consent. They have not took my disputes serious neither have the too proper time to provide audit trail Ive been requesting CRAS KEEP USING LAWS THAT WAS MADE TO PROTECT ME AND MY FAIRNESS AGAIST ME AS A STALL TACTIC I WANT MY RIGHTS TAKING SERIOUS AND NOTHING LESS IM FED UP WITH CRAS AND CREDITORS USING THERE PLATFORMS TO SABOTAGE ME WITHOUT CONSENT AND FAIRNESS. Stop breaking law n helping other in unfair practices.
Complaint sub-issue: Information belongs to someone else

It all started after I got my purse stolen in 2021. Someone has been applying for credit and opening accounts in my name ever sine. I filed a Police report and a FTC report. Hopefully ya 'll can help me as well.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$570.00} ), XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7200.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$120.00}, XXXX. ( Date Opened XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX Balance : {$480.00} ), XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX, Balance : {$2700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$6600.00}, XXXX XXXX XXXX ( Date Opened : XXXX, XXXX, Balance : {$930.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXXXXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXX Please remove this bankruptcy from my public record
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 Hunter Warfield added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill saying it is mine. According to the FCRA, Hunter WarField has violated my rights as a consumer and Im requesting legal action to remove the account immediately.
Complaint sub-issue: You never received your bill or did not know a payment was due

In  XXXX  or  XXXX  I opened a  Sears  credit card account, used it once initially and paid it off and did n't use it again until  XXXX  of  XXXX . Accrued a balance of ~ {$130.00}, paid it down to ~ {$50.00} in  XXXX   XXXX , the next time I logged on to the credit card management website it said that my balance was  XXXX . I did not keep track of how close my balance was to  XXXX  so I just figured I had paid it off already and did n't need to bother looking at it again. Around  XXXX   XXXX  I received an email from  Sears  saying my account balance was overdue, so I log in and there is a  Sears Mastercard a ccount ( in addition to the original  Sears  Card account I had applied for ) with a balance of about {$95.00} :  XXXX  was transferred from my old account, and {$27.00} late fees x2.  XXXX   XXXX  was the first time I discovered the existence of this account, the first time I was aware that a previous balance was transferred over to it, the first time I knew it was overdue for  two  consecutive months. I then get an email from a credit monitoring service I pay for through another credit card and see that my  credit scor  XXXX  had dropped nearly  XXXX  points for a delinquent account. I do n't even have a physical copy of this card.     I spoke to Sears customer support today on the phone and they insisted they sent out mailers and the card to the address on file and said there was nothing I could do because of that and the fact that they had never received any returned mail.     My problem is that a new credit card account was opened in my name without my consent instead of being " upgraded '' like  Sears  customer support said it would be, and balances were being transferred to it without my knowledge or receiving any indications or notifications of anything happening and now my  credit score is significantly damaged because I did not make   payments on an account that I did not know was even open under my name until 2 days ago.     Attachments :  1. Sears credit card management page - shows nothing in recent activity to include the transfer between this account and the new one opened without my consent 2. S ame page as picture above showing the last statement available to me being the  XXXX  from  XXXX   XXXX .    XXXX .  XXXX   XXXX  statement 4. Enrolled in paperless statements AND letters - never received any emails about any changes to my account.
Complaint sub-issue: Reporting company used your report improperly

This would be my 2nd complaint about Great Lakes. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the Great Lakes stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) Great Lakes has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.
Complaint sub-issue: Their investigation did not fix an error on your report

Collection Account : ( Original Creditor : ) Account No. XXXX Balance : {$150.00} and {$430.00} This is a formal complaint against Equifax XXXX The name of the furnisher is not reported correctly. I have disputed this account with the credit bureaus for the 6th time or more and this has been deleted by the other credit bureaus. How is this still reported in Equifax when the other two bureaus have removed this from my credit report? 

The collector changed their company name to XXXX  ( XXXX XXXX ), which used to be XXXX  XXXX. These changes on their company 's profile have made a negative impact on my credit report because it resulted to the account being re-aged and that is not fair credit reporting.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have been violated and trespassed against pursuant to 15usc 1692d  ; Harassed and oppressive use of intercourse of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Complaint sub-issue: Other problem

I called US Bank about their platinum credit card. At the end of our conversation I told the agent that I was not interested and that I needed to shop around more And that I might give them a call later on that week if I dont found a better offer. 
Today I am receiving an email saying that I have an account with them and that my card is on the way. I called them to cancel the account but a customer service told me that they were going to transfer me to the right person and then I was hang up on. 
I am worried that they will send a report to the credit bureau and therefore impact my credit score.
Complaint sub-issue: Account status incorrect

I look at my Credit Reports and found the following errors : XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX   # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXXXXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I have never late. Verify records or delete late records XXXX XXXX XXXXXXXX I have never late. Verify records or delete late records These are addresses I do not recognize, please DELETE XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX My only phone number that are correct : XXXX. Please delete all other phone numbers. 

There are variations of my name which are not correct. Please delete name variations. 

There are variations of my Social Security Number, which is a red flag why there are accounts I do not recognize. Please verify my SSN and remove any variations.
Complaint sub-issue: Their investigation did not fix an error on your report

They continue to report inaccurate information to my credit report that does NOT belong to me and they did not verify or investigate as per FCRA guidelines!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Complaint sub-issue: Frequent or repeated calls

XXXX from XXXX ID # XXXX XXXX keeps calling to collect a debt that does not exist.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This is annoying because my I would not have been able to obtain credit if my score was low and now because I have several cards open I am being penalized although they all are paid on time. This is ridiculous my score have dropped from XXXX to XXXX. This makes no sense at all. I want my score fixed at there earliest convenience. Thank you so much. I feel this is more that just unfair.
Complaint sub-issue: Reporting company used your report improperly

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. 


XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX
Complaint sub-issue: Frequent or repeated calls

A month ago we were vacationing in CA and purchased items at Macy 's in XXXX XXXX ; the sales clerk talked us into getting a credit card and said we 'd get a discount. We never got a bill and started getting calls a week ago that our bill was overdue ; we got another call yesterday and another one today. Each time I explained that we never got a bill and I do n't conduct that type business over the phone because of all the scams that circulate. Each time I asked them to send me a bill and they said they would. Today I reiterated that to the person on the phone, and he said then that the records showed that they had called yesterday, that they would send me a bill, but if I wanted to stop the phone calls I would have to pay him now. I said I would not pay unless I received a bill. The man I spoke to yesterday said the bill was being sent and that I did n't have to pay until I got the bill and would incur no interest charges. The man who called today said the phone calls would continue unless I paid him immediately even though I had n't received the bill. This appears to be harassment to collect a bill for which I have not received a bill statement, and I have not received the credit card.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are hard inquiries on my consumer credit report. I have contacted the consumer credit reporting agency to have these hard inquiries removed. The hard inquiries are a violation of my privacy. The hard inquiries also violate the FCRA.
Complaint sub-issue: Debt is not yours

It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

XXXX OF XXXX
Complaint sub-issue: Account information incorrect

These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.
Complaint sub-issue: Confusing or misleading advertising about the card

The problem involves pre-paid Visa and XXXX issued by U S Bank National Association. They adverstise on the packaging and the cards that you can check your balance and itemized charges on their website XXXX The site seldom if ever is available so you end up having to call to check the card balance. If you want itemized charges they read them to you. 
Takes forever There are thousands of references to this problem if you XXXX it up. 

Don't know if anyone can fix this. but it would be great.
Complaint sub-issue: Debt is not yours

XXXX XXXX has a collection of {$1800.00} on my report which has been disputed. I have no knowledge of this account.
Complaint sub-issue: Trouble getting, activating, or registering a card

Having filed for unemployment in lateXX/XX/XXXX/early XXXX of 2020, I never received my Key2Prepaid Unemployment benefit card as of yet. I did switch to direct deposit later in XXXX and had no problem with following payments. I'm still owed over {$1200.00} on debit card I never received and have tirelessly tried to contact Keybank for a replacement card. Over 6 months of calling with as long as 4 hours of hold time has yielded absolutely no help whatsoever. Their website is equally useless as you need a card to access any of its features. Alternate numbers I have called to reach an actual person also a waste of time as they are either foreign call centers or different departments that refuse to address the issue and either hang up on you or transfer you back to the XXXX XXXX XXXX XXXX number that is never ever answered. This issue has been all over the news for so many yet Ive still heard no solutions. Keybank is sitting on millions of other peoples much needed dollars and I find this criminal. Ive called unemployment office yet to have return call, Ive also filed a complaint with the XX/XX/XXXX and received a nonsense letter requesting a Hippa release form ( Medical records ) to proceed, which is unrelated to anything Ive addressed to them. This large scale Fiasco is a national embarrassment to say the least. Hopefully I've found some competence and perhaps sanity with you folks. Thanks for your time and attention to this matter.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I was at home when I got a call from the number on the back of my debit card, it was the same exact number. I assumed it was my bank, Citi Bank. The man on the phone said he worked for the bank and was calling to tell me about fraud purchases that were happening in that moment. He also offered to send me a new debit card, in which he knew my home address. He then asked for my personal banking info and used it to buy things on my account. The bank did send confirmation texts to make sure it was me. The man on the phone told me to say yes to those confirmation texts and assuming that this was the bank I said yes to all of them except the first one. After discovering that this was a scam, I filed a dispute with my bank. My bank claimed they were not able to reimburse me because I had my card in my possession, I gave the man my banking info, and the activity was consistent with my banking activities. The man took {$2000.00} from my account and left me with very little money for school.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been fighting with the Equifax,   XXXX   and  XXXX  to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of the ledger where it shows we had a huge credit balance.     No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that this money is owed.
Complaint sub-issue: Problem with personal statement of dispute

Shopped for a new car and auto dealers checked with XXXX inquiries without myy consent I certainly did not authorize that many inquieies