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

I received a text message on Tuesday XX/XX/2020 from my Best Buy Visa card asking whether I was attempting to make a purchase for {$930.00} at a XXXX XXXX. I texted No and opened up a fraud dispute. That transaction never went through but as we looked at the other recent transactions, there were 2 other charges that I disputed. One was for {$270.00} at a XXXX XXXX in XXXX, IL and the other was a {$50.00} purchase at a XXXX XXXX in XXXX, IL. Both charges were on XX/XX/2020. I raised a dispute on both of those. They were removed from my bill and I was given a credit. I received a letter from the Best Buy Visa last week that they had concluded their fraud investigation and determined that I was in fact responsible for the charges and had reissued them back to my account. 

I called the customer service number and spoke with the fraud department. The representative told me that because the transactions had been completed with a chip card and because I told them that I still had the card in my possession, that I was responsible for them. I did have the card in my possession, but I have never stepped foot in a XXXX or XXXX station in XXXX IL. They essentially told me that there was nothing they could do. I asked them if they had video footage of me making those purchases and they said that they didn't and could do nothing further. Because it was a chip transaction, it had to have been me that made it if I in fact still had the card. I did not make those purchases and I find it odd that they sent me the fraud alert for a XXXX XXXX charge that occurred 2 days after one had supposedly went through. 

I don't know if there is anything else that can be done. I already paid the balance and I told them to close my account since this was the type of customer service that was being done. There may be nothing else that I can do, but I still wanted to lodge a complaint.
Complaint sub-issue: Debt was paid

ACCT # XXXX This item was paid through their 3rd party collector XXXX. The confirmation number for this payment/settlement is XXXX. 

They have yet to cease collection efforts and still list these tradelines on XXXX, XXXX  and XXXX. This is despite statements from them at the time of payment that collections would cease and that the tradelines would be removed.
Complaint sub-issue: Account terms

I contacted the company to have status of closed account updated but got no response from the company.
Complaint sub-issue: Account information incorrect

Hello, I do not know the reason why I dont receive an answer from the different Bureaus, there is a lot of information on my report that is incorrect and Im trying to correct that, Ive been doing this for months now and havent receive and answer, I know the Law and they are supposed to send me some correspondence.
Complaint sub-issue: Account status incorrect

on XX/XX/17 I settled the account I held with XXXX XXXX. However the account still appears on my report with the payment amount, a status of open, and a balance.
Complaint sub-issue: Information belongs to someone else

Upon checking a recent copy of my credit report, I have discovered a Charge-Off account appears under XXXX with a balance of {$3100.00}. I am unaware if having any charge off accounts with XXXX. Please remove this information immediately as it is inaccurate, and is severely limiting my banking abilities.
Complaint sub-issue: Debt was result of identity theft

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX  Attorney General and FTC
Complaint sub-issue: Their investigation did not fix an error on your report

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. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2400.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted disputed to equifax over unauthorized inquiries. These inquires were for XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. This dispute was handled they received it onXX/XX/XXXX and they sent letter that they investigated dispute on XX/XX/XXXX.I received another letter from agency dated XX/XX/XXXX for inquiries I never disputed. I will attached letter, equifax also updated negative info on my credit that has not been verified by them as a retaliation for my dispute. I know I cant dispute inquiries that are from soft pulls to credit, I never disputed inquiries from there letter dated XX/XX/XXXX. I have been a past victim of identity theft and this is very concerning that they are not handling these matters in a professional way. Someone from there office is either manipulating mail because I sent other dispute as i am noticing info that is not correct with my file. This was received by certified mail by them. This second dispute involved a creditor not inquiries.Can someone please help.
Complaint sub-issue: Didn't receive enough information to verify debt

I got notification through my bank about negative activity on my credit report this morning. This is the first I known about this debt. I received no communication in regards to this. I called the third party collection agency, and my address they have on file is incorrect and they stated they called me on XXXX at XXXX I pulled my phone records for that day and I received no calls from the numbers they provided. I asked to speak to the manager his name was XXXX would not provide last name. I asked him that I could email him my utility bill as well as phone records for that day. He was not pleasant and said it would not make a difference. I asked him to pull the phone call if they are recorded and said I would have to subpoena it. I did some research and it was a medical bill for {$98.00} and they charged additional {$100.00} to collect the debt with recurring interest. The medical office also had incorrect address on file. I was never aware of this bill. Its not my character to neglect my bills. I have perfect credit and never missed a payment for the last 25 years. This third party collection agency is unreasonable. 
Companys name Plus Four Inc XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting report or credit score

been a victim of identity theft 4 times and want to monitor my credit report ca n't monitor my credit report with Equifax. there is an error or problem on my credit report they ca n't fix it some technical issue they said they wo n't be able to monitor my credit report and they wo n't fix it. they have had numerous technical tickets sent up. but not able to fix. so anyone can get into my Equifax credit report. how many other people will they deny
Complaint sub-issue: Account information incorrect

I am applying for a home loan and was informed that there is a collection item on my report. Its is on Equifax. It shows I have a collection item through XXXX XXXX in the amount of XXXX. I have no idea who or what this is. I tried to dispute this through Equifaxs wed site but was giving a screen that stated that " You have no negative account on file '' and was not allowed to go any further. I called every number I could find for Equifax but was unable to speak to anyone just got info regarding the security preach. I then contacted XXXX XXXX. I spoke with XXXX XXXX and then XXXX XXXX.After spending over an hour on the phone with them.Neither one could find an account with my name, address, phone number or last 4 of my ssn. They did on more than one occasion asked me if I knew a XXXX XXXX. Which I do not. This is the only bad mark on my credit bureau and is stopping me from getting a HUD-184 loan. I do not know what to do next and hope you can help. Name XXXX XXXX XXXX, XXXX Acct # XXXX. SSn. XXXX. Address XXXX XXXX XXXX XXXX. XXXX, OK XXXX The account shows it was reported onXX/XX/XXXX, Opened onXX/XX/XXXX, last activeXX/XX/XXXX and reviewed for 6 months.
Complaint sub-issue: Funds not handled or disbursed as instructed

Dear Bureau of Consumer Financial Protection Representative : This is a formal complaint against US Bank. 
With confidence and based on facts, I hereby state that US Bank is willfully engaged in discrimination and bias against me. I believe it to be based on National Origin, Color, Age and/or misinformation contained within their files. 

Case and point : XX/XX/XXXX - In person at US Bank branch located XXXX XXXX XXXX XXXX XXXX XXXX, CA, submitted a personal loan request in the amount of {$5000.00} at a fixed 48 month term. 
The US Bank representative entered my information, and in just under 20 seconds advised me of a negative decision. This can only be explained by upfront disparaging information visible only to the bank associate. A loan application even with todays technology can not be processed at that speed without proper consideration & underwriters credit decision. 
On a later date, XX/XX/XXXX my loan request was professionally and positively processed by XXXX XXXX XXXX. This entity did everything by the book, taking its time to process. 

XXXX  XXXX - During a vehicle purchase at XXXX XXXX dealership within the county of XXXX XXXX, a request was sent out to multiple financial institutions for credit. Out of many responses, US Bank was the only one,  who not only declined, but came back with negative feedback ; our sales person specifically mentioned the unusual and unnecessary comment by the US Bank. This is the bank that has our entire familys financial history. The financing was picked up by XXXX XXXX XXXX  at a very attractive rate. 

XX/XX/XXXX - During an online session at US Bank web site, while looking at my profile, I discovered it stated citizenship of XXXX ; it should have been United States. 

XX/XX/XXXX. Request for a Line of Credit in the amount of {$1500.00} was left answered for over three days. Had to make numerous calls just to find out the decision The answer was a foregone conclusion Declined. 

My family members and myself have been with US bank for nearly a decade, thousands of dollars have passed through our accounts and currently in saving accounts, and yet I am singled out each and every time. This is either with negative information entered by an employee or the bank itself acting on such information from another source. 

My credit is not perfect, XXXX recession and loss of income brought hardship and difficult times on my family. Now a decade has gone by, yet this bank brings up any and all negative information to any potential lender. I simply dont understand the reasoning behind this personal vendetta and blacklisting. 

Its my sincere hope that Bureau of Consumer Financial Protection will look into this matter and come to a fair conclusion. 

Please feel free to contact me for any additional supporting documents needed to verify my complaint. Looking forward to your findings. 

Thank You
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This is the 3X Equifax has sent me this letter XX/XX/2020 requesting it again Why does it say UNABLE TO LOCATE A CREDIT FILE IN OUR DATA BASE???? Why when I send Lease, Social Security Card WE ARE NOT SUPPOSED TO LET ANYONE ELSE SEE RISKING 2Xs Do they not have? I do not think it wise to send again I am a victim of deninty theft. 
I have been unscuccessful contacting them on line due to my hand XXXX When I call My questions are not answered or resolved HOW CAN THEY HAVE NO RECORD OF ME? WHY DO THEY REQUIRE RISKING CONSUMERS PRIVACY SENDING SOCIAL SECURITY CARD? DO THEY NOT KNOW WE ARE TARGETS TO HAVE OUR SOCIAL SECURTY STOLEN IN NUMEROUS SCAMS? NO WONDER SO MUCH IDENINTY THEFT GOING ON THESE DAYS WHY AREN'T THEY GETTING WHAT I SENT?
Complaint sub-issue: Reporting company used your report improperly

In Accordance With The Fair Credit Reporting Act XXXX  These Accounts Below Have Violated My Rights. 

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 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: Their investigation did not fix an error on your report

I have contacted Equifax on numerous occasions to verify inaccurate information on my Credit Report. I requested equifax to send me any original documentations or contracts with my signature on it, legally binding me to the frivolous charge-offs, derogatory and collection accounts that they are reporting on my account. I have disputed these account numerous times. 
I have not received any documents or contracts with my signature linking me to these frivolous accounts they are reporting. 
Their response to me was that all the items I disputed was Verified using third party Data Furnishers. 

No Documents or Contracts with my signature.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
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 an account without my written instructions.
Complaint sub-issue: Problem getting your free annual credit report

I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time ( XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.
Complaint sub-issue: Problem during payment process

I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/2015. I just looked through my records and do not recall even having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.
Complaint sub-issue: Information belongs to someone else

Equifax Executive Office previously permanently block the following account 3 years ago because the account dont belong to me, now they have put the account back on my credit report after they permanently blocked the account from my credit report. The following account is not my account : XXXX XXXX XXXX XXXX. The account is not mine and dont belong to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These inquires below are not mines. some have been deleted in the past. 
Inquiry details XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry fromXX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXXAutomobile Dealers, New XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry fromXX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX  Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XX/XX/XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX  Miscellaneous Reptg. Agencies
Complaint sub-issue: Problem getting my free annual report

I applied online at annual credit report for my free report for all XXXX agencies. I was denied and later XXXX and XXXX sent me a letter in the mail. XXXX provided me with a reference number to enter on their site and I was able to view and print the report. XXXX provided a form to fill out and mail off to along with proof of residency verification. Equifax has n't sent me a letter and it 's almost been a month now. I 've contact customer service and they tried to charge me a fee, which I repeatedly told them no. They told me to go online to Annual or call them and I told them that I already did. The rep help me reset my username and password on their site, and once I was able to login successfully, there was n't a report to available for view.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax, XXXX, and XXXX on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!
Complaint sub-issue: Reporting company used your report improperly

On XXXX XX/XX/2022 XXXX XXXX violated my rights in accordance with the fair credit reporting act this listed account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681.
Complaint sub-issue: Didn't receive notice of right to dispute

I received a notice on my credit report regarding this debt in 2017 and I called to correct to no availability. I disputed and advised on removal of even settled. They have not sent information to validate and I was able to dispute and get removed from XXXX  and XXXX, but Equifax has not removed. This debt was not proven valid and Im trying to remove again.
Complaint sub-issue: Information belongs to someone else

there is a  XXXX   XXXX  with the  DOB   XXXX / XXXX /  XXXX   reported at my old address  XXXX   XXXX   XXXX   XXXX   XXXX  attached to my SS #. this is not me or any family member associated to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX