Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On or around XX/XX/2020, I initiated a dispute with Discover regarding a transaction in the amount of {$3000.00} from XXXX XXXX as a result of receiving a defective product. Essentially, the merchant did not provide me with what I ordered - a defective free product ; specifically, a sectional sofa. Nonetheless, Discover apparently closed the dispute according to my online account, but did not send me any correspondence or consider the information that I mailed to their post office box in lateXX/XX/XXXX - illustrated by the Return Receipt attached. To date, Discover representatives allege that they did not receive the documentation despite the fact that I have the attached return receipt. 

I called on or around XX/XX/2020 to follow up on the dispute as my online account reflected the dispute was closed. I requested to speak with a supervisor and was told one would get back to me within 24-48 hours. To date, I have not received a call back from a supervisor. 

I again called on XX/XX/2020 to check on the status of my dispute. I was told to fax in the supporting documentation which I did. I followed up again on XX/XX/2020, and spoke with a representative ( XXXX ) who communicated that the charge was still in the dispute phase and it would not go back on my account ; however, the charge is now back on my account. XXXX alleged to be a supervisor and assured me that he would monitor my account and the charge would not go back on my account. 

Today, XX/XX/2020, I spoke with XXXX ( XXXX ) who alleged to be a supervisor who communicated that they don't have any of the documentation I submitted. Ultimately, she was ineffective at communicating and did not resolve the matter. When I asked to speak with a supervisor above her, she alleged that none were available and nothing can be done about the transaction in question with no documentation confirming that the merchant promised me a credit. 

Ultimately, with that logic - Discover should not have disputed the transaction.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello I have submitted a dispute with Equifax to have some unauthorized inquiries on my credit report removed. The dates the disputes were submitted was XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I always wait my 30 days out to get results and I am getting the same results. There has not been an investigation and no paperwork has been sent to me from these creditors that have pulled my credit. Equifax is not even doing the work to contact these creditors because I submitted a dispute on XX/XX/XXXX and on XX/XX/XXXX the results were back in so there was no 30 day period for them to doing their job. I am at whitts end with this situation with no results and a fraud alert has been on my credit report several of times due to these unauthorized inquiries, but they have not removed them.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has three accounts for me and have not proved these accounts are mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Complaint sub-issue: Reporting company used your report improperly

Shortly after installing the CreditKarma XXXX, I received a welcome email, which I may/may not have clicked on. Since, and in attempts to find cheaper auto insurance via their " offers '', I did choose to go with XXXX XXXX XXXX. No problems with that, as of yet. ( I DO have MAJOR problems with XXXX though ). Recently, I also received both email and XXXX notifications about their XXXX  XXXX, which seemed like a good idea to rectify legitimate outstanding claims using a pre loaded card. 
Then, the problems started while applying, with the XXXX, that it repeatedly cited my phone number was recognized and validated upon registration ... .. but the device was not. It prompted for the phone number to text a code to ( which sounded odd, having said the number was validated ). Time after time a text never came. Using the web based " chat '', that initiated a call to my phone. The person was female, loud room, sounded XXXX, which also yielded zero results so I asked for her supervisor. She cited the problem was with my phone and to check with my provider. Eventually, after pressing why a simple task was an issue, she said they used another 3rd party which " handles the phone numbers ''. She said a supervisor was not present, and one would be calling in 24 hours. 
Since, I have received multiple phishing emails and phone calls. 
Phone call from : XXXX and XXXX Emails from XXXX XXXX and XXXX The same day, I applied for XXXX 's Card. Exact same problem again with the phone number from both the XXXX and website. Exact same sequence of events and likeliness. I have been with XXXX for 17 years. I still use a XXXX key fob that is impossible to duplicate from their XXXX XXXX days. 
Phone calls from : XXXX XXXX This also seems to happen a lot on both XXXX and XXXX if a low/negative review is posted .... or if no review at all.
Complaint sub-issue: Reporting company used your report improperly

Did not ask these financial services to run my credit. Dealer disclosed information to third party lenders when I specifically requested not to. Never received credit from these lenders and didnt ask them for it.
Complaint sub-issue: Information belongs to someone else

There is someone else on my credit score. This is the second time that this has happened. Equifax customer service is garbage and is not able to help. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to dispute the following information that your company supplied to [ XXXX, XXXX, EQUIFAX. I have listed the items I dispute on the This item hard inquires from CONSUMER XXXX XXXX XXXX XXXX is inaccurate because MY NAME IS INACCURATE AND HARD INQUIRES WHERE UNAUTHORIZED. I am requesting that CONSUMER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have the item removed and accounts removed from my credit profile immediately Delete hard inquiries - CONSUMER XXXX XXXX XXXX XXXX  Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 3 to 9 of the attached credit report. ) These multiple accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Account status incorrect

The Debt Collection Company IC Systems has recently reported to my XXXX XXXX Credit Report That there is an unpaid debt to XXXXXXXX XXXX. They are showing the account was opened on XX/XX/XXXX and last reported to the Credit as in collection as of XX/XX/XXXX. I have contacted them collection company and requested validation of this debt. I have also contacted XXXX XXXX   who informed me that this account was Closed on XX/XX/XXXX, making this debt over 5 years old and 1 year past the statue of limitations in the State of Texas, however IC systems has " re-aged '' this debt in order to report it to the credit Bureau I have also asked XXXX XXXX for Notification of attempts to collect any debt from XXXX and they will not provide anything. Never has XXXX XXXX to my knowledge ever reported any collection on any of my Credit in the last 5 years until IC Systems took over the collection agency as of XX/XX/XXXX. 
I have disputed this debt as I have no recollection of owing any money to XXXX XXXX in which they say is " unpaid programing '' and " early termination '' fees that they will not provide any documentation on and to my knowledge never obtained or reported any collection activity on my credit until now. 
With IC systems reporting this 5 year old " Debt '' and " re-aging '' it to a 2 month old debt, this has drastically negatively impacted my credit score do to their Illegal reporting practice of " RE-Aging '' the debt. So when a lender looks at my credit for any type of loan purpose they will see a new collection that is 2 months old negatively impacting my ability to extend or receive new credit.

I am not sure how a company can just out of no where start reporting a Debt that is over the statue of Limitations as well as reporting the incorrect dates of the said debt. 
I need your help in removing this off of my credit. I fear that If I make any attempts to make any payments on this 5 year old account, it will reopen the statue of limitations and reporting limits of the Debt. So with them reporting this debt as of XXXX it will now stay on my credit until the year XXXX instead of dropping off 7 years past the original date of the said debt. 
I have also disputed these charges with XXXX XXXX with no avail or communication efforts on their part until I received this on my credit, and I will also state that the Debt was reported to my credit Months prior to receiving any written notification from IC systems as I have just received a letter today XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

This is reporting on my credit and its incorrect for one I was never notified of when and where the car was being auctioned off also they never updated the account after selling the car at the auction.Also The account there reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately.
Complaint sub-issue: Investigation took more than 30 days

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Complaint sub-issue: Information belongs to someone else

Please delete ALL allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question..I am not related to any of these companies and did not sign up for an account..I demand that you remove the accounts asap XXXX/XXXX XXXX, XXXX XXXX XXXX*, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX   XXXX, XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Inadequate help over the phone

On or around XXXX 2016 I seen a entry on my credit report for a 30 days Late/Missed on my credit report. I contacted XXXX XXXX with my concerns and they were unable to find the record of a 30 days Late/Missed payment on my file. Currently XXXX are now the new creditors. I still have my Open active account with XXXX. The late payment on file is reported in error and needs to be rmoved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Requested removal of unauthorized inquiry which Equifax returned as a factual documentation coming from me but without no actual documentation to prove this was coming from me I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge. I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition. I respectfully request a copy of any documents authorizing credit inquiry. and signed on mv behalf. so that may verity its validity. 
If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. It you tind that I am in error. then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely,
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is reflecting an unauthorized credit inquiry made by XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In response to XXXX It has been over 30 days and XXXXXXXX XXXX XXXXXXXX XXXX has chosen not to take any steps towards addressing billing errors that are being reported at late payments from their company. My original complaint ( XXXX ) addresses the adverse action that XXXX XXXX had been taking against me. There are 3 inaccurate and false late payments furnished on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Pursuant to XXXX5 USC 1666b ( a ), 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 was also required to adopt reasonable procedures to insure my periodic statement was delivered to me no later than 21 days before the payment due date because I know I never received one. If XXXX can not confirm when a statement was sent and I can confirm that I never received one then the basis on which the account was marked late is erroneous. 

I was just denied an extension of credit because of these inaccurately furnished late payments by your company. I have never been late on this account. These inaccurately furnished late payments are an invasion of my right to privacy and is causing me severe stress and XXXX
Complaint sub-issue: Information is not mine

Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. 
I 've called Equifax Credit bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed my credit.
Complaint sub-issue: Debt is not yours

I was contacted by Jefferson Capital about a debt to XXXX that is not mine. I notified them that the debt was not mine. I asked them to send validation of the account. I did not hear from them again. This week I received a credit alert that I had a new negative credit account on my report. I looked into this and Jefferson Capital listed this account on my credit reports. They did not validate the debt at all and now are attempting to extort money I do not owe by listing this on my credit report. I have not had a XXXX account in over 15 years and closed that account with no money owed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have had problems disputing charges on my card multiple times and today I called 3 times on XX/XX/2018 and they won't even let me dispute charges for {$39.00} that was charged to me and I'm not recognizing the charge and they just will not allow me to dispute it and this is being billed to me every month so I'm losing out on {$40.00} every month and they will not allow me to fight it I've contact the merchant who doesn't speak English and calls me XXXX which is not my name
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act 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 # 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.
Complaint sub-issue: Reporting company used your report improperly

All of my personal information used on my credit report was stolen from Equifax. Instead of immediately alerting the US citizens it affects ( over half the US adults with credit ) they took 5 weeks to alert anyone and seem to have used that intentional delay to participate in insider trading. 

Even after the breach was made public, I have not received any written notice via mail or email that my identity was compromised. I had to look it up myself after hearing a story on the radio. Because they are only offering a year of identity protection, which is incredibly insufficient to cover the data that was stolen I must now pay them to freeze my credit. Equifax will benefit billions if all affected adults choose their only option right now, to freeze their credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX, They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Complaint sub-issue: Debt is not yours

This account does not belong to me. I do not know where this account came from but it definitely is not mine!
Complaint sub-issue: Information belongs to someone else

I have checked my EQUIFAX credit report in XXXX noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3, Equifax assumed this role without permission not only that, they did not have my consent. Equifax did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. Equifax did not exercise their grave responsibility & were unfair. I have already taken the liberty to file this CFPB report and I will file attorney general 's complaint if these accounts aren't removed. Equifax never had a permissible purpose Under 1681b ( a ) 2. I never instructed EQUIFAX to furnish this report and I never consented to this report in the first place. The XXXX fraudulent accounts are XXXX paid charge-off accounts with XXXX XXXX XXXX XXXX for the amounts of {$250.00} and {$230.00}. I have never banked with this company. A Student loan for XXXXXXXX XXXX XXXXXXXX. I NEVER had a school loan. XXXX and XXXX removed this fraudulent student loan but Equifax remains. XXXX told me on CFPB that the tradeline will be removed on all bureaus. A card with XXXX XXXX For the amount of XXXX. In XX/XX/XXXX, a fraudulent collection account with XXXX XXXX XXXX for the original creditor XXXX XXXX XXXX XXXX was placed on my profile for the amount of XXXX. I do not have ANY UTILITY BILLS-ACCOUNTS IN MY NAME AS I DO NOT HAVE MY OWN HOUSE, I stay with my mother on XXXX XXXX. I have not done business with either company and These XXXX accounts needs to be deleted off of my credit. I am attaching my etc report, the letter I sent Equifax and my proof of identity and the CFPB complaint showing XXXX  was to remove all traplines.
Complaint sub-issue: Need information about your loan balance or loan terms

I phoned FedLoan Servicing XX/XX/22 about my loan forgiveness application and the calculations received. I waited on hold for 40 minutes. I finally decided to request the call back and by the time I received the call back hours later in the day, I was unable to take the call. 

I phoned again on XX/XX/22 and waited on hold for 50 minutes, despite the recording saying it was a 15-20 minute wait. I hung up and called again to request a call back. This call was placed at XXXX. I received a call back at XXXX only for the agent to ask what my call was about - EVEN THOUGH I INDICTED THIS IN THE REQEST VIA THE AUTOSYSTEM and she proceeds to PUT ME ON HOLD AGAIN for what is has now been 19 minutes as I'm typing this and counting.

This is UNACCEPTABLE and infuriating. What working adult has time for this. This is a way to skirt responsibility and answering questions and I am beyond frustrated. They MUST BE HELD accountable.
Complaint sub-issue: Problem with product or service terms changing

I noticed when you fill up on the page of Equifax https : //www.alerts.equifax.com/XXXX ) that the social security number is not masked. I believe that sensitive personal data like social numbers should be masked.
Complaint sub-issue: Reporting company used your report improperly

XXXX Now account # XXXX amount XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE REACHED OUT THE CREDIT REPORTING AGENCIES ABOUT REMOVING THE INQUIRIES FROM MY REPORTS AND THEY ARE GIVING ME A HARD TIME. I ADVISED THEM OVER AND OVER AGAIN THAT THOSE INQUIRIES DOESNT BELONGS TO ME AND BY LAW AS THE CONSUMER I HAVE THE RIGHT TO REQUEST FOR THOSE TO BE REMOVED.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I am submitting yet another CFPB Complaint to inform the Credit Bureaus that they are reporting erroneous information on my Credit File. Upon reviewing my credit file, inaccurate and misleading accounts are being reported on my Credit file. The Equifax, XXXX, and XXXX XXXX Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate and I never received anything from the Credit Bureaus as proof of verification to support the Credit Bureaus claims that the Accounts have been verified. They have failed to provide me with the written authorization or update and remove these accounts from my credit file. I need the following accounts investigated to be corrected and or removed as soon as possible. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive noticed some unauthorized and unverified inquiries on my credit report according to the FCRA these inquiries are unauthorized and unverified I would like them to be removed from my credit report.