Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

A review of my Equifax Credit Report revealed several unauthorized credit inquires.

Title 15 U.S. C. 1681b- Permissible Purposes of Consumer Reports ; states that it is illegal for anyone to have or access my credit file without my written permission. I therefore demand that Equifax provide said written proof that I authorized the below listed Hard Inquiries that you are reporting.

1. XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. This inquiry is on an open account and should be listed within the companys rating area. Please update and DELETE this inquiry. 
2. XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. This inquiry is an open account and should be listed within the companys rating area. Please update and DELETE this inquiry. 
3. XXXX XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. I never authorized this inquiry, and it constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this unauthorized inquiry must be reinvestigated and DELETED from my credit report within 15 days. 
4. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. I never authorized this inquiry, and it constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this unauthorized inquiry must be reinvestigated and DELETED from my credit report within 15 days. 
5. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. I never authorized this inquiry, and it constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this unauthorized inquiry must be reinvestigated and DELETED from my credit report within 15 days.
Complaint sub-issue: Investigation took more than 30 days

I reported multiple errors on my credit report including XXXX XXXX XXXX for {$5600.00} and XXXX XXXX XXXX for {$2500.00} The first dispute was done on XX/XX/XXXX and a second XX/XX/XXXX ... Both of which are still under investigation with Equafax with no response and no follow up. Please help It is far past the 30 day creditor response deadline and this information is not correct. This error in question is preventing me from being able to get another home.
Complaint sub-issue: Reporting company used your report improperly

My personal information is among that which was stolen. Equifax should be SEVERELY penalized after they exposed XXXX XXXX people to identity theft through gross negligence. Also, those executives ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, who all elected to sell a significant amount of their shares outside of XXXX scheduled trading plans just days after the breach, need to be investigated for insider trading and face prison time, not to mention delaying informing the victims for months in order for employees to cash out stock options.
Complaint sub-issue: Debt is not yours

This company has plase a judgement on my name, under FDCPA they had to notify me of they intentions prior to summit lawsuit, that is a clear violation of the FDCPA. I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit and remove judgement from court.
Complaint sub-issue: Talked to a third party about my debt

I keep receiving calls about a debt I have no clue about
Complaint sub-issue: Their investigation did not fix an error on your report

I recently received updated copies of my Equifax and XXXX credit reports. I noticed a collection account on both of them upon review. I filed a response with the CFPB about the issue and immediately received a response from the collection agency. I received letter in mail from them today, XX/XX/2022 and replied immediately stating that what was provided was not acceptable to validate the date. The letter was sent via certified mail with return receipt and is attached for reference. 

As noted above, their claim is invalid based on what they provided to me. 

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. I demand to know who verified these accounts, and the method of verification. 

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

Again let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Sometimes in XXXX of 2017 I spoke with a Home Depot Sales Person about a window. He brought a sample of the window to my house to show me. I agreed to order it with a down payment. He tried to order the window 3 times, but it was the wrong size window every time they tried to install them. Finally, I changed my mind and told him to cancel my order. XXXX was okay with it and told me that a credit would be issued. When I received my 1st statement with that charge on it ( {$1700.00} ), I immediately disputed the charge. They sent me a copy of job completion with the salesman 's signature on it as " Homeowner ''. I never signed anything regarding that window. I even sent a copy of the credit invoice given to me by the sales person with my dispute to prove they are wrong. They still did not believe me. If you look at the job number on the credit invoice, it matches the same job # as the original invoice they sent back as a result of my dispute ( Job # XXXX ). Since then, they have reported this issue to all 3 credit companies.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I started a dispute with my crypto.com card company on XX/XX/2021, and they ard still not telling me amything other than when they have an update it will know, but I've been trying to get an answer to my question I don't necessarily need or want am update ivd bern trying to find our way I wasnt given provisional credit as it states on this conpanys card holder agreement handbook that I recieved upon setting up and account with crypto crypto.com that I should BS provisionally credits XXXX businsss dAys after dispute is made and they have XXXX extra days in certain situations to add provisional credit to an account in the case that they nees more time or decide to investigate fire her taking longer.i have not Ben offered, given, or even answered about provisional credit in any shape or form by company and at this point I feel Ignored and that they don't cars about my situation degrading this card and I feel very mistreated and disrespected they sont understand that I havd been stolen from and im already upset angry an broke and that they are the ones the only ones that can help me clear up the situation I cant do it myself I cant ask then inveTigTion team a question or i would do it myself and they just keep giving me. Ridiculous response that in no way even almost answers my question but it been well past the 10 or even 15 business days timeframe please help me even if to only get a response that would ease my anxiety a littke I just wanted my money back and to know what happend that would help tremendously
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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
Complaint sub-issue: Can't get flexible payment options

I went to the University XXXX XXXX and have student loans through Discover. I have recently contacted them to get a lower monthly payment since they want more money than I pay in rent. The told me I could split my payment which is not helpful. Then the executive at Discover told me to contact a lady that specializes in repayment and I have yet to get a phone call back, not to mention the fact that I get XXXX phone calls a day harassing me for money.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX {$2600.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I originally had a Sears card that I used to purchase a refrigerator in XX/XX/XXXX. In the summer of XX/XX/XXXX, I received a notice that my Sears account had been converted to a Shop Your Way card. I called Shop Your Way ( affiliated with CitiBank ) because I did not want the account and had not asked for it. I requested it be closed. I was sent to their retention department. The retention representative informed me I should not close the account because my purchase ( even though it was not on this card ) was covered by an extended warranty for 2 years from date of purchase. I agreed to retain the account. This month I began having trouble with the refrigerator. I called 5 different toll free numbers and was transferred each time to someone who could help me find out about my supposed " extended warranty ''. After an hour, I insisted the next representative answer my question. The representative informed me that I had no extended warranty. I asked for a supervisor. The supervisor was apologetic about the incident. I indicated that this appeared to be a deliberate act to deceive me so I would keep the card. She indicated that the representative was 'likely counseled '. I indicated that deceiving clients into keeping these cards with promises of benefits that are not there is an unacceptable practice. She agreed but gave no indication that any action was being taken.
Complaint sub-issue: Information belongs to someone else

I already reached out to Equifax and to XXXX XXXX, and XXXX XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on my credit report.
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX 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 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 seven negative inquiries credit items outstanding debt now. 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 and remove the accounts and 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 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB step up, The account was not late on the months reported on the my credit report. How can it be possible having a late payment status and charge off all on the next month?. This is simply ridiculous. Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not..CHILD SUPPORT ENFORCEM XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/09 I did a credit report to view what was under my profile. After reviewing my profile I noticed this student loan attached to an institution that did not match my debt. After doing some extra research on this I decided to reach out to AES to get this rectified with the source. After a few lagging issues from AES, AES sent a copy of the document of the loan and the copy looks very fraudulent, cut and pasted with missing information like my Social Security Number and birthday. I went the extra mile and reached out to the institution ( XXXX XXXX ) to get clarity on if I had a balance with them. The XXXX Office sent me over a {$0.00} balance through e-mail confirmation and I then sent this to AES for documentation purposes. AES then complied and requested to start a fraud packet with them. I filled out the fraud packet they suggested to the best of my ability but then they refused to process this request. The reasons they decided to not process this because my police report was not acceptable to their standards ( which I don't know how that is not acceptable or make a police report what AES want ), the request to have a blank check with my signature or picture of my photo identification wasn't fulfilled because I want to protect my identity purposes, even though their request to get a document notarized with my signature and identification was needed to do that process. At this point I feel like this company is not only upsetting but refuse to do the needed work to get this removed from my credit profile. I would appreciate your assistance on direction on how to correct this manner. 

Thanks
Complaint sub-issue: Public record information inaccurate

Did not consent to the following lenders pulling my credit report : XXXX XXXX  Inquiry Date : XX/XX/202XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2XXXX XXXX XXXX Inquiry Date : XX/XX/2021
Complaint sub-issue: Frequent or repeated calls

Several times today XXXX members of Direct Capital have call me from different numbers and texted me.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 FT
Complaint sub-issue: Debt is not yours

I have a Derogatory remark on my credit score. Showing that Jefferson Capital Systems LLC has 2 accounts one. For {$8000.00} and one for {$10000.00}. It shows the original creditor to be XXXX XXXX. I contacted XXXX XXXX and they told me they do not go to outside collection agencies and the amount I owe is substantially less than what is being shown. The account was opened on XXXX. It did not show on my credit until XXXX.
Complaint sub-issue: Problem getting report or credit score

I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in as no reply has been sent. Thank you for your time. Attached is the last letter i sent this credit reporting agency
Complaint sub-issue: Problem with customer service

I have never prior to last month submitted a complaint to the CFPB asking for Discover Card to finally response to my many written requests for a credit limit increase. The CFPB has proof of this. 
Discover Card fraudulently responded, that they have already addressed this, when they did not, and they could not. It is impossible to address something before it occurs, absent time travel. 
The CFPB has access to Discover Cards enraging wicked, prior responses, which prove that Discover Card has never addressed a credit limit increase before, and that their claiming otherwise is completely fraudulent. 
Discover Card is fully aware that I do not have, ( nor want ), their app, nor do I have a phone to download their app to. Discover Card continues to discriminate against me for not having a phone. Not having a phone is legal, discrimination is not. 
Discover Card has no legal basis to refuse to communicate with me in writing, let alone repeatedly. 
But Discover Cards refusing to communicate in writing is a huge red flag, which speaks volumes about their complete and repeated, lack of integrity. 
First rule of business, get it in writing. 
Second rule, anyone who will not put it in writing, is deceitful.
Complaint sub-issue: Information belongs to someone else

The accounts listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : 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. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages 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.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.