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

I recently sent a completed form requesting my free annual credit report from Equifax and XXXX to the address on the form at Equifax in XXXX. 

Although Equifax sent a report that is an utter outrage ( Confirmation # XXXX ) and sold my information in violation of my rights to 3 different companies during a time when a credit freeze was supposed to be on my account, I have yet to receive a report from XXXX. 

I will file a separate complaint for the host of inaccurate and incomplete information on my Equifax report, but please shut down Equifax and stop, once and for all, its profligate profiteering and trafficking in my personal information, while its parasitic injury is allowed to continue. 

Equifax has had so many violations of the law long before its infamous cyber hacking that it needs to have a court appointed special master to liquidate its assets without further excuses. In the interim, the CPBP should seize every asset it has and the Department of Justice should jail its board of directors and corporate officers. Their personal assets amassed on the backs of millions of abused consumers should also be stripped from them and go into a victims fund for all the people it has injured, wantonly, for decades. 

The CFPB should also immediately force XXXX to mail me a copy of its file on me to the address on the form I used to obtain the Equifax report. I will be applying for a mortgage related to a small business in the next month or two, so all corrections need to be made immediately. 

Since Equifax rarely complies with the law, it should NOT be given weeks and months to correct the damage it is now reporting in my credit file.
Complaint sub-issue: Information belongs to someone else

I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

30 days ago I sent a dispute to Lexis Nexis about some information I did not recognize. I was told by XXXX that LexisNexis verified some Bankruptcy information. I do not agree with this information and since it has been over 30 days according to the FCRA - LexisNexis has to delete this information. I am not sure why I did not receive a response from this company.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX BANK XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.
Complaint sub-issue: Was not notified of investigation status or results

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Banking errors

I opened up this checking account on XX/XX/XXXX, for the bonus promotion. I deposited {$100000.00} on XX/XX/XXXX and held the deposit in there for over 60 days ( which was required to get the bonus ). I should have received a {$1500.00} bonus per the terms and conditions of the bonus. It is now XX/XX/XXXX and I still have not received the bonus. Please credit my {$1500.00} bonus as the terms stated.
Complaint sub-issue: Information belongs to someone else

Multiple times I have sent an identity theft report to the credit bureaus, yet I have not been getting any response and no action is being taken towards removing this negative remark from my credit report which is fraudulently stating on my credit report. I have filed an identity theft report with the Federal Trade Commission multiple times regarding this issue and even sent them a copy of the police report that I filed because of this fraudulent activity. The bureaus continue to disrespect the consumers and not take their requests seriously. I have been a victim of identity theft and the listed item ( s ) to the attachment is fraudulent and must be blocked and removed from the credit report. I have filed for a police report which shows the seriousness of the issue. I do not want to see a credit line to report on my credit history if it does not belong to me. These are official documents from the Federal Trade Commission and from the XXXX Police Department. The XXXX XXXX XXXX XXXX  Acct XXXX. XXXX does not and never had belonged to me. This is the work of an identity thief ( s ).
Complaint sub-issue: Information belongs to someone else

Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX XXXX XXXX  results that I was in hospital  and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.
Complaint sub-issue: Reporting company used your report improperly

Recently I did an investigation on my consumer report and it caused severe XXXX upon me. According to the Fair Credit Reporting act XXXX, XXXX and EQUIFAX has violated my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction. 
-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy Here are the errors as follows : 1. XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX 2. XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX 3. XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX 4. XXXX XXXX OPEN DATE : XX/XX/XXXX 5. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX 6. XXXX XXXX OPEN DATE : XX/XX/XXXX 7. XXXX XXXX OPEN DATE : XX/XX/XXXX. XXXX 8. XXXX  XXXX OPEN DATE : XX/XX/XXXX. XXXX
Complaint sub-issue: Old information reappears or never goes away

The following accounts that currently listed on my Equifax credit report was previously deleted by Equifax, but keep reappearing on my credit report : MN XXXX XXXX XXXX account number in # XXXX and the XXXX  XXXX XXXX, the accounts are fraudulent, unauthorized and not mine. I have attached documentation for proof the accounts dont belong to me.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX is repeatedly robo calling a number that they were not given and were not authorized to use. I have no idea what they are calling about but my mother in law, whose phone number I dont even have, states that this bill collector calls her everyday several times a day into the night even after they have been told that I do not live there. Apparently this company uses search engines like XXXX to locate relatives. Again, I do not know what debt this company is trying to collect and I do not care, but they will not continue to harass relatives that they have not been authorized to contact without immediate and significant legal consequences!
Complaint sub-issue: Debt is not yours

This complaint is about a debt collection from Procollect in the amount of {$2200.00}. On XX/XX/XXXX, I signed a 12 month lease contract with an apartment complex ( XXXX  ). According to the contract agreement, after the 12 month lease was up, it converts to a month to month basis ( contract will be attached to this complaint ). I stayed in the apartment from XX/XX/XXXX until XX/XX/XXXX, submitted an in-person 30 day move out notice on XX/XX/XXXX ( even though, only 15 days notice is required for month to month according to contract ). Without any notice of a late fee or a broken lease, i found out about the debt collection by Procollect. The collection was placed on my account on XX/XX/XXXX, in the amount of {$2200.00}. I reached out to the apartment complex ( XXXX ) through phone and email to try and resolve the situation, but no response. So, i reached out to procollect to request a written statement for proof of the collection. However, on XX/XX/XXXX, they sent me a bogus none binding contract as proof. This contract did not either my signature or the apartments on it. The " notice given '' and " move out date '' is incorrect ( XX/XX/XXXX ). it also has Reason for leaving as " Skipped/owes money/no notice ''. Everything about this contract was fraud and made up. I wasn't even aware of the contract renewal. Apparently, i have a renewed contract from XX/XX/XXXX through XX/XX/XXXX that i never signed or agreed to. ( this contract will also be attached to this complaint ). Not to mention, i remember walking into the apartment leasing office ( XX/XX/XXXX ) in-person and notify them i wouldn't be renewing my contract. which is why they charged me a month-to-month fee on XX/XX/XXXX ( receipt will be attached to complaint ). 
Moreover, during XX/XX/XXXX, we were still at the peak of covid-19 pandemic, the leasing office was closed and business was conducted by appointments only or online. I would think XXXX would have notified me or sent me a copy of the renewal lease contract. How can a contract be binding without my signature or my knowledge of it's existence? 
Additionally, i am a homeowner in a different state and due to the pandemic, i have been working remotely from home since XX/XX/XXXX. I never requested my lease to be renewed. I actually attempted to call and give a move out notice since XX/XX/XXXX, but i was told move-out notice has to be in-person. so i had to wait till the holidays in XXXX ACTION TAKEN : I have requested from procollect to send me a signed contract or valid proof that i owed this debt. But they can't show me any proof apart from the fake lease contract that will be attached to this complaint. The procollect representative i spoke to last, wrongly accused me that " you stayed there and you owed the debt '' I have also disputed this debt collection with all three credit bureaus, to ask for more valid information from procollect.
Complaint sub-issue: Information belongs to someone else

Several accounts are being reported that aren't mine.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I sent a letter via regular USPS mail and certified mail ( tracking ID # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ) In accordance with the Fair Credit Reporting Act the below have violated my rights. 

-XXXX XXXX XXXX Account # XXXX ( partial account number ) -U.S. Bkpt CT Fl XXXX Identification XXXX : XXXX -XXXX  Partial Acct # : XXXX -XXXX XXXX Partial Acct # XXXX -XXXX  Partial Acct # : XXXX - XXXX XXXX XXXX XXXX # XXXX 15 U.S. Code 1681 section 602 A states that I have a right to privacy 15 U.S. Code 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: Reporting company used your report improperly

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Account terms

I can not dispute with Equifax , all of their verification questions do not apply to me and I will NOT send my ss card and id to a random number. When i called I got a rep that barely spoke english and could not verify my identity either. They keep insisting on sending my ss card, id, birth certificate, etc to that fax number. That just seems like they are trying to steal my identity! After reading the XXXX complaints, I see I am not the only one with these issues! Please do something about this company! I am scared to say there is a serious problem with the company that is in charge of dealing with my credit! PLEASE please please do something about them!
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/2020, my previously earned miles from Discover Card Services was unexpectedly converted to cash. There was no notice given. Contact with the company stated that : " I am so sorry about this happening, but I can send you the terms for your account where it will talk about cashback/miles being forfeited or cancelled at our discretion. Would you like me to do that? '' They then disconnected the chat on me after I wasted an hour with them. 

I will be closing my account and advise others to as well.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Fraudulent charge of {$920.00} was made on XX/XX/2021 to a Citi card previously held by me. I reported the fraud to Citi on XX/XX/2021. Citi cancelled the card on which the fraudulent charge was made and issued a new one but moved the fraudulent charge to the newly issued card. I received a letter dated XX/XX/2021 stating that my account had been credited and would be reversed in 2 business days. To date, Citi has failed to credit the account and remove the charge. Furthermore, they have assessed late fees and finance charges ( and continue ) on the fraudulent charge amount disputed and reported me as a delinquent account to credit agencies. To date, Citi has failed to resolve and remove the fraudulent charge and all related charges from my account. They have also failed to retract their erroneous reporting regarding my account to the credit agencies. To date, they continue their threatening attempts to coerce me into paying the fraudulent charge and related amounts charged to the account.
Complaint sub-issue: Was not notified of investigation status or results

In XX/XX/2020 I filed disputes with all 3 credit bureaus that there are some collections that way pass 7 years and need to come off. I do not understand why it is taking so long for this happen? Are they not doing their jobs? Why should I have to spend my time writing this complaint when I already filed disputes with them.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX.This Debt was paid on XX/XX/XXXX. After payment was made collector reported the paid debt as unpaid. On XX/XX/XXXX collector stated that they would remove derogatory marks if any.
Complaint sub-issue: Debt is not mine

I have been getting monthly automated calls from " ERC '' asking me to contact them about a debt at this number:XXXX with reference number : XXXX. In the past when I answered the phone call with a human voice on the other end, they would ask for an individual I have never heard of and would ask that they not call again, I have since stopped answering the call and now get a the robotic voice mail. I need this repeated calling to cease as this is not my debt.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A fraudulent charge was made to my card in the amount of {$1300.00} on XX/XX/2021. Within minutes I notified the credit card company and began the dispute process within minutes of it showing up. My watch alerted me as soon as the fraudulent charge was made and I immediately disputed it via the mobile app. It originally appeared that they were reversing the charge. Then the charge reappeared XXXX weeks later. This time I called the credit card company and disputed it over the phone. When no changes were made to my account I called back a XXXX or XXXX days later. At this time a charge reversal was made as a courtesy. Less than XXXX months after the initial fraudulent charge was made the courtesy reversal charge was then reversed. I am have now had to pay the {$1300.00} and no progress has been made on this charge. They claim the new date for this to be resolved will be XX/XX/2021 which is nearly XXXX months after the first report of a fraudulent charge. How can they hold {$1300.00} XXXX when I immediately notified them that it was fraudulent???
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

They have violated my rights with harassing calls at my place of work, harassing calls to my family members and friends as well as threatening me on my personal phone. They call all of these places with the same threatening story that I am going to be served at my employer and sued for non payment if I don't pay them by a certain time that day. 

I have requested numerous times to have the information on this debt sent to me in writing so I may review the accuracy and legticmy of this debt. You refuse to give me an account number or any information on this debt. I am hung up on every time I make this request. I am also hung up on when I ask for their contact information. I was only able to get their company name and address by tracing one of the numbers they have called me from. 

They only say the original debt is XXXX XXXX but give no loan number or will not send me any written information on this debt. They say they are a law office hired to serve me on this debt.
Complaint sub-issue: Account status incorrect

On XX/XX/2020 I was suspended from employment, I did request from XXXX XXXX a forbearance plan for XXXX, XXXX and XXXX. I went back to work and re start the payments on XXXX XXXX. I asked them what will be the next step in relation with the forbearance, they told me they need to modify the loan and ask for all the documentation, i did submit all the documents back in XXXX, but still not resolution up to today. I ask the why they keep sending me statements with late payments due, and they answer not to pay attention to them. Last thing that happened is that they report to Equifax a missing payments report on the loan and i lost 85 points on my credit score, i did call them regarding this issue and they told me they can not fixed.another thing I notice on my statement they are collecting on my payments MIP and PMI insurance on my mortgage, and my understanding is that should be only one, no both.
Complaint sub-issue: Can't close your account

I need to keep my contact information private with CFPB. 



I have relocated to NY but was informed since the store is a nationwide chain store it can be accepted any state. 

This is only a few of the documents IN ALL OUR MILITARY MOVES, WE NEVER EXPERIENCED BEHAVIOR LIKE THIS AT ANY STORE MUCH LESS A NATIONAL CHAIN THAT IS SUPPOSED TO BE UNIFORM NO MATTER WHERE YOU ARE & TRANSPARENT. THIS IS WHY WE CHOSE THEM. THEY ALSO PROFESS TO BE BIG SUPPORTERS OF OUR US ARMED FORCES AND VETERANS ALIKE. WE DID NOT EXPERIENCE THIS. 

HOW WOULD YOU FEEL IF BELOW HAPPENED TO YOU? 


Heres how Home Depot violated their own mission statement : They sent the wrong products to me repeatedly with little to no remorse Refused to honor what they originally promised Their unwillingness to resolve the problem Their credit card took my dispute and found in my favor THEN when I closed the account, THE CREDIT CARD REOPENED MY CARD & put the charges back on. 
Their attempt at a bait and switch by trying to give me a lesser quality/priced product They would move me from employee to employee, passing the buck Person charged to fix their admitted mistake ignores me that why were here Their measurements after going to the house were still wrong They sent damaged products repeatedly Finalized dispute in XX/XX/XXXX in my favor with XXXX balance ( see statements ) HOWEVER, my XXXX statement shows that the disputed amount of $ XXXX was credited back to my card without me knowing and without my permission and without any explanation as to why they apparently had reversed the FINALIZED disputed decision. Once a dispute is finalized the credit card said repeatedly it final? 
To date I am still missing corrected products about $ XXXX worth ( store wouldnt honor or wont go through with me exact amount ) Management telling me that if I asked for ONLY the items I bought but were given incorrectly in one room then they said they refused to take care of the other rooms They picked up products I didnt order and products that came wrong/broken and promised to refund but never did This has been such a long, arduous ordeal so please excuse any repeats in journaling of most of the events. 

HD mission statement : When customers shop with The XXXX XXXX, theyinviteus into their homes and businesses. We are grateful for theirtrustand understand the responsibility that comes with it. That's whywe are committed to doing things better every day- building a great place to work for our more than XXXX associates, constantly improving the sustainability of our products and operations, and giving back to the communities we're proud to call our own. The Home Depot has been empowering doers since XXXX. It is our hope that we will continue to empower our customers, business and planet for many years to come