Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Changes in terms from what was offered or advertised

My card has been locked since About XX/XX/XXXX they told me to send in documentation to get my account unlocked 2 weeks go by and my card is still locked then I get paid from my job and I go to use my money which is when I realized my card was locked still after 2 weeks of sending my documents in so I call and they said something about incorrect information was told to them and I needed further verification I sent in the further verification they asked for and theyre site says 2-3 days another 2 days go by my card is still locked now I have no way to work no way to eat no way to feed my dog or handle my business it is only XXXX in my account so when I seen it was still locked after the second time of me calling I called back and let them know I keep calling sending in verification and my card is still locked the website says 2-3 days its going on 3 weeks and some days and my card is still locked with my money in my account I called asked to transfer my money out and close the account because at this point customer service is horrible and this isnt the first time this has happened so I explain whats going on to there employee she puts me on hold several times just to come back on the phone and state theres nothing I can do but wait or send in more documents this time they asked for school verification so I sent it in again another 3 days go by I have my mother and father card they put them on hold and disconnected the line so I call again explain the situation and the lady gets very rude and nasty and hangs up in my face when I asked for supervisor and told me stop calling so I gave it a hour and called again to speak to someone new and this time she told me she will unlock my card once we hung up I checked my account and its still locked I am now very frustrated my direct deposit from work is now on hold because I explained to them that my money is just sitting in there so I dont wan na deposit any more I work a hour away and borrowing money from family friends and spending XXXX $ a day on XXXX and XXXX because I dont have the money out my account to get my car fixed to make it to work I have been asking people for money to eat because they will not unlock my account its been 3 weeks and some days my account should not be locked and I sent in my birth certificate social school report card and more. Its a huge inconvenience
Complaint sub-issue: Debt was result of identity theft

The last year 2017, my car was stolen in which my wallet was inside containing most of my personal information such as drivers license, social security number, and other sensitive info. I didn't think much of it seeing that I reported the incident but later on I would notice some weird changes. I started noticing new accounts appear in my debt collections that I had no knowledge of.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DO NOT RECOGNIZE THESE INQUIRES. THE FCRA ALLOWS ME TO HAVE FALSE ITEMS DELETED FROM MY REPORT. I DO NOT HAVE ACCOUNTS OPEN WITH THESE COMPANIES. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TEXAS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX amount XXXX us department of education filed ftc report I am a victim of identity theft please remove and block account XXXX  found to b unverifiable XXXX   and Equifax still reporting the account
Complaint sub-issue: Deposits and withdrawals

XXXX XX/XX/2018 my money is being held due to my opening deposit of XXXX being return do to bank error I had two other deposit to enter the account from debit transfer and USBank is refusing to give me my money and is holding my money
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX Account Number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/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 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute with Equifax on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from Equifax. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. The Equifax report is not accurate as its missing names. 

disputed accounts 1. ( missing account name ) Original creditor : {$74.00} Account number XXXX 2. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  {$240.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I purchased a new XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX  XXXX  maryland a few months ago, it took an hour for someone to come and set up this phone. My mother added it to her account with XXXX, we also have XXXX  XXXX. The phone began getting alot of unknown calls for someone named XXXX about property investments. 
I assumed the phone was given a old customers number and i assumed the calls would stop coming in. They would come in all day while i was working. But usually stop once i got home and started using the device. I am worried about my XXXX XXXX  now and my XXXX, XXXX, XXXX, XXXX accounts and XXXX account. Emails can disappear right in front of my eyes and password reset emails will not come to my device. Settings change themselves the second i stop looking at the screen. 
All my personal health information has been having problems getting to my health care provider. Including calls for appointments. We are trying to verify all appointments with XXXX and the phone company for billing purposes and i am having a hard time getting a response everytime i send them email. I receive phone calls from someone claiming to be XXXX XXXX when i access my health care app. This must be a crime and fraud and i hope we can find out why this illegal account and identity activity is happening and who else is using a device with this information ... was my phone a clone or was the someone elses original phone a clone. I consider this a major crime and this type of activity will definatly cost lives durring a pandemic. Having someone know everything you do online and possible XXXX XXXX  crimes. 
I need an answer to this situation ... i was given false information by a health care provider and was given a tetnus shot when i asked for an anti body test. I felt like my body was going into XXXX  XXXX  ... somehow i survived and want to see this type of activitity ended. 
I am concerbed for all parties that have been given a cloned phone and can tell someone is extremely frustrated on the other end of my device. The setting constantly changing right after i change them. My password not working for the second device a minute later, my XXXX  XXXX  password changing and XXXX password changing. 
I need your help in this situation because im not sure my mother is aware of the illegal account activity and i cant seem to convince her it is happening. 

A very concerned customer and XXXX used, XXXX XXXX XXXX I am concerned my identification that i have sent over the internet may also have been compromised and intercepted when i tried to verify My identity on XXXX. It looks like some one hits the caps button while im typing or adds punctuation also.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE FRADULENT ACCOUNTS AND SEVERAL FRADULENT INQUIRIES ON MY EQUIFAX CREDIT REPORT. I HAVE TRIED CONTACTING THE CREDITORS TO NO SUCCESS. 

FRADULENT INQUIRIES ARE XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FRADULENT ACCOUNTS ARE XXXX DELAWARE XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against XXXX and Equifax if they do not validate the account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. This states that i have the right to privacy. 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Trouble with how payments are being handled

I have told XXXX XXXX before that what ever information they have that causes them to try amd collect payments a few months early is wrong yet they refuse to fix the issue. I will not make payments a few months early, I owe for XXXX of 2018 and if they want me to pay, they will remove how ever many payments and late fees that did not start in XXXX of 2018 then send me a bill in the mail. Also, I re-entered school part-time this week so according to the law, my loan should be in deferment. The school I am taking classes at is XXXX XXXX College.
Complaint sub-issue: Account status incorrect

I had an incorrectly reported payment on my XXXX XXXX report for XXXX of XXXX. I contacted XXXX XXXX and they agreed to remove the late payment. They contacted all 3 Bureaus and it was removed. A couple of weeks later Equifax put the late payment back and now refuses to remove it. I sent them a copy of the letter XXXX XXXX Sent me as a " letter of credit '' removing the late payment and had XXXX XXXX send them another request and they have not removed this payment yet. XXXX and XXXX  removed the late payment with no issue and have not attempted to place back.
Complaint sub-issue: Their investigation did not fix an error on your report

I delivered a certified letter to Equifax on XX/XX/2022 disputing fraudulent inquiries. Equifax sent a letter dated on XX/XX/2022 stating that they were going to keep the inquiries on my consumer report. I also had fraudulent inquiries reporting to XXXX. However, XXXX deleted them.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XX/XX/XXXX Speaking to XXXX and they transferred me to this company, Spoke with company, explained to them I have not heard anything about this supposed debt in years, They were trying to say that I am in collections with them since XXXX for a XXXX bill for {$600.00} asking for payment today with my debt card. Told these people I am not in collections with anyone. I track my credit report all the time and I just bought a home recently and it would have shown up on the credit reporting as well for my mortgage. I expressed to them I filled bankruptcy in XXXX and im sure the bill was in it they just kept asking for payment, the person i was speaking to them put someone else on the phone stating that he would be able to help me. I stated to him that I will not give my debit card information over the phone to anyone and if they want to send a letter regarding this I would look it over, the man said they would send a letter but they never asked my new address or contact information. Very strange to me and very strange I havent heard anything about this in 8 years and I have no collections on my credit report as they say i do, and just kept asking for payment today when I know I do not owe
Complaint sub-issue: Information belongs to someone else

I received an email displaying a dept store statement which had an inaccurate balanced on  XXXX / XXXX / XXXX . I called the dept store and spoke to an agent and told her that I did not place that large purchase for {$850.00} at   XXXX   on  XXXX / XXXX / XXXX . She corrected the balance and said that she will send me a new card. I went to   XXXX   XXXX   and checked for any other fraudulent activity and noticed on that same day,  XXXX / XXXX / XXXX , there were  XXXX  other hard inquiries done without my consent that someone else had did.    XXXX     XXXX   XXXX / XXXX / XXXX  &amp;  XXXX   XXXX / XXXX / XXXX . I also noticed an inquiry from  XXXX   XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  was done without my consent. I tried calling but I could not get through.
Complaint sub-issue: Didn't receive enough information to verify debt

Aprox 3 weeks ago I requested verification for this debt. They sent me a letter saying they dont have to verify this debt that there is no basis in law to substantiate my right to such information and there is no duty to comply with such excessive verification demands. 
This letter was sent on XX/XX/2021 for the amount of {$10000.00}. 
I dont understand why theyre trying to collect for a debt from me that they wont verify.
Complaint sub-issue: Public record information inaccurate

On XXXX I attempted to open a savings account at XXXX XXXX XXXX XXXX California in XXXX XXXX and was denied due to a Fraud Ring Activity Alert on file with the 3 credit bureaus XXXX, Equifax and XXXX. This fraud alert was placed on my profile by XXXX XXXX XXXX on XX/XX/XXXX and I was reported to XXXX XXXX   who sent me a letter on XX/XX/XXXX notifying me that they have removed this information from my file as a result of my Bankruptcy discharge. I have attached supporting documentation with this dispute
Complaint sub-issue: Was not notified of investigation status or results

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false
Complaint sub-issue: Information belongs to someone else

While checking my credit report, I notice an account from XXXX XXXX  that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. They finally respond back to me XX/XX/XXXX, see attached, informing me that they will contact me with the result of their investigation once it is completed. It is now XX/XX/XXXX and I have not received their result and they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX this complaint is not made in error nor 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. 


In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, and XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information is missing that should be on the report

XX/XX/2022 I noticed that my credit score has dropped due to inaccurate reporting. I have attached screenshots of my online equifax credit report and my XXXX card account. The fair credit reporting act law 15 U.S code 1681 states that all consumer reporting companies must provide a account credit report and score. Equifax is not showing the Reporting balance/Available credit that XXXX is reporting. This inaccuracy has lower my credit score.
Complaint sub-issue: Account status

A dispute was submitted to Equifax on XX/XX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( 3 ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information may cause the consumer. See : XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XX/XX/XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( 15 U.S.C. 1692g ). Account number XXXX from XXXX is reporting inaccurate.
Complaint sub-issue: Information belongs to someone else

please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Complaint sub-issue: Information belongs to someone else

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$540.00} XXXX  XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}
Complaint sub-issue: Card opened as result of identity theft or fraud

I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY IDENTITY AND OPENED FEW CREDIT CARDS UNDER MY NAME. I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT ALONG WITH MY POLICE REPORT PROOF THAT THE ACCOUNTS WERE OPENED FRAUDULENTLY.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX  XXXX/XXXX CARD HAS REPORTED TO ALL THREE CREDIT BUREAUS THAT MY ACCOUNT WAS LATE THIRTY DAYS, THIS ALLEGEDLY HAPPENED IN XX/XX/2019. IN XX/XX/2019, MY CARD WAS PAID OFF. THE COMPANY REPORTED THIS ERROR JUST RECENTLY THIS MONTH MY TRADELINES HAVE NEEN NEGATIVELY EFFECTED BY THIS INCORRECT NEGATIVE INFORMATION. I WAS NEVER LATE WITH MY PAYMENTS
Complaint sub-issue: Debt resulted from identity theft

I was contacted via mail by Enhanced Recovery Company pertaining to a debt from XXXX XXXX that they acquired on XXXX XXXX, XXXX. I checked my credit report and noticed that this was also added to my credit report. I decided to reach out to this debt collection company and told them that this debt did not belong to me and I did not reside at this residency during the time that this XXXX account was activated. Also, I neither authorized anyone to open an account under my name nor did I call XXXX to open an account on the behalf of anyone. Someone unlawfully opened an account under my name and this went without notice for a long time. According to them, this account was opened on XXXX XXXX, XXXX at the address.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit report act 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: Information is not mine

this is not mine # XXXX please remove from all XXXX reports
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions