Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Privacy issues

On XX/XX/2020, I contacted Macy 's at XXXX and requested to add my daughter XXXX XXXX on my credit card as an authorized user. They requested her full name, date of birth, social security number and home address, in which was provided by me. I instructed them to only send the credit card to my home address. 

On XX/XX/2020, XXXX informed me that the information was not reported on her credit report and I had not received the credit card. So I chatted online with Macys representative to discuss the issue. And Macys representative called me on my mobile at XXXX, according to the time stamp on my phone. 

Representative told me to call XXXX, I did only to be transferred three time. Basically, I am trying to figure out the reason for requesting my daughter personal information and not report it on the credit bureau? and the reason for such data? 

Macys representative told me to call XXXX then they told me to call XXXX. Everyone keeps blaming the other and then stated the information is not in the system, or the credit bureau should had reported. This ordeal with Macys started at XXXX til XXXX with no resolution. 

Called XXXX  on XX/XX/2020 at XXXX, no human came to the phone to address this issue, called XXXX  other number at XXXX, they redirected me back to XXXX. 

These interactions are done out of this country. How are they allowed to break regulations in United States by obtaining our private information such as social security number, date of birth and home address and possess absolutely NO accountability. 

Could someone please uncover the reason Macys representative from another country obtained my daughter personal information and didn't report activity on her credit report? What was the reason for collection sensitive HIPAA data?
Complaint sub-issue: Their investigation did not fix an error on your report

I had fraudulent accounts on my Equifax credit report. These accounts was blocked and removed on XX/XX/2020 and XX/XX/2020. I have proof that these items were removed from my credit profile. Upon reviewing my recent credit report, these fraudulent accounts are back on my Equifax report
Complaint sub-issue: Debt was result of identity theft

TUITION OPTIONS LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SS XXXX My information is clearly shown above. After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the Credit Report and other furnished inquires regarding all personal information. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Complaint sub-issue: Problem with additional products or services purchased with the loan

I have a problem with US BANK car lease. I leased a car thru the dealer and they financed me with US BANK. I had 42 month payment and a residual of {$27000.00} to pay off the car at the end of the lease to buy it off. I had a car accident XX/XX/2022 and my car got total loss. I had already made XXXX payments and I had XXXX payments remaining. XXXX payments $ XXXX residual payoff {$27000.00} totaling= {$37000.00} My Insurance paid US BANK {$49000.00} and they profited {$11000.00}. 
They sent out a check to me for overpayment of only {$1000.00}. While US BANK profited from my accident, I had to purchase a new car at a higher rate and gave me financial loss. They should have only taken what was owed to them with the contract they had with me was the remaining payment plus the payoff to take the car. 

I did not break the lease I had paid upon agreement and was unfortunate to have a car accident. Now, I am paying extra to get another car and has put a burden on me financially.
Complaint sub-issue: Information belongs to someone else

TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible 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!
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX SSN : XXXX D.O.B. XX/XX/XXXX To Whom It May Concern : I was looking over my credit report recently and found a bankruptcy inquiry and I am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. XXXX XXXX XXXX Docket # XXXX. Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : The name of the courthouse with which you verified the information The name of the person at the courthouse who handled your request The address of the courthouse Which document you obtained to verify the bankruptcy Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX, XXXX, Applied XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.
Complaint sub-issue: Debt is not yours

We have current account with XXXX XXXX XXXX. We are setup on an autopay and our account is in good standing. We do not owe anything. I have an extremely common name and get mistaken often for someone else.
Complaint sub-issue: Personal information incorrect

I have addresses listed on my XXXX XXXX, XXXX  and Equifax credit report that I did not reside or live at. The following addresses are not my addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX, XXXX XXXX XXXX, XXXX, MN XXXX. I have never lived or resided at the addresses. My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX. My current phone number is : ( XXXX ) XXXX
Complaint sub-issue: Account information incorrect

I was made a purchase at HOMEDEPOT several months ago. The Cashier suggested that I place this charge on my HomeDepot Credit Card. I explained to her that I did not have the card with me. The Cashier said that she could look up the account. So, she did and I completed the Transaction. I pay all my bills with BILL PAY. When it came to my attention that I over looked paying my Home Depot account ( Now Past Due ). When I discovered I was past due, I contacted HomeDepot and explained to the customer service agent that I honestly over looked the Payment. The Agent indicated not a Problem. I made the Payment and the Home Depot Agent removed the Late Charge.

At no time did the Agent advise me that HomeDepot reported my Account 30 Days Late to the Credit Bureaus. I did not find out about this derogatory remark on my Credit Report until I applied for a Mortgage Loan to refinance my home. I immediately contacted Home Depot to requested that the Derogatory Remark be removed. The Agent I spoke with said that I had to send a written request along with a copy of my credit report. So, I did as I was asked and mailed the requested information to Home Depot. I spoke with a Home Depot Agent Thursday XXXX to follow up on my request. I was told my Request was Denied. No further explanation. 

I have a CLEAN Credit Report. This 30-Day Derogatory Mark on my Credit Report is keeping me from Refinancing my home and car. I am attempting to consolidate my monthly cash out flow due to the hard times we are facing as a Country due to the Corona Virus. I have had my Home Depot Credit Card for 6+ Years, and I have never had any problems. In fact, my credit limit is XXXX. 

In closing, I have been under extreme stress not knowing what is going to happen with our Economy. I have XXXX  sons that I worry about. My Older Son is XXXX, which puts him at XXXX XXXX!! I have been under extreme stress, with the passing of my father in XXXX and my mother passing in XX/XX/XXXX after a long battle with XXXX XXXX XXXX and XXXX XXXX. I made a Mistake!! A One Time Mistake with an account that I have had over 6+ Years. I ask the Creditor for help, and the Creditor Turns their Back!!
Complaint sub-issue: Information belongs to someone else

Someone has used my information to apply for credit without my authorization and knowledge. And as a result I am a victim of identity theft. They have caused damaged to my consumer credit report by reducing my credit score and preventing me from actually obtaining credit. I I have no knowledge of neither have I authorized those credit inquiries. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax
Complaint sub-issue: Was not notified of investigation status or results

I'm not sure how or why the Credit Reporting Agencies are allowed to violate the rights of consumers and completely disregard the Federal Laws. Or, why the CFPB does nothing to hold them in compliance or enforce the Federal Laws that they are supposed to. The three Credit Reporting Agencies are supposed to comply with the Fair Credit Reporting Act yet NEVER do! I have disputed inaccurate, incomplete and unverifiable information on my credit report several times and they do not investigate the items, claim that they do, and the creditors swear to me they are not reporting the information the credit reporting agencies are reporting. On top of that they DO NOT Respond with investigation results that is also required by the FCRA! I have sent a number of disputes by mail and they DO NOT respond with the investigations results even when I send the disputes by certified mail. When I contact them they lie and say they never received a dispute after the XXXX XXXX confirms delivery. How is it that the Credit Reporting Agencies can completely disregard the Federal Law and violate the rights of consumers and the CFPB or the FTC do nothing to hold them accountable? 

I have disputed items that are reported different on all three bureaus, including payment history on accounts. One will have no history, the other will say perfect history and the third will show late payments. If all the information is coming from one creditor how come all three credit reporting agencies report the information completely different? I have disputed this and other inaccuracies several times including, dates, amounts and the status of accounts that are reporting completely different on all three bureaus. THAT IS ILLEGAL! All information must be 100 % Accurate, Complete, and Verifiable. I have disputed these inaccuracies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and let the credit reporting agencies they are violating the law and I get nothing in response, they do not correct, complete or verify any information. I contact the creditors and they tell me they are not reporting the information the credit reporting agencies are reporting which proves they are not conducting investigations or complying with the Federal Law as required by the FCRA. They used to send a form letter stating they completed an investigation yet still report the inaccuracies the exact same way. In most cases you can just look at the account and see that what they are reporting is wrong yet they never correct it. Now they don't even respond at all. The FCRA states they are required by law to respond within 30 days, THAT NEVER HAPPENS, and now they don't respond at all! I can understand with COVID not being able to respond in exactly 30 days but to not respond at all is egregious! How are these corporations allowed to take advantage of consumers and report information that is untrue which is making it more difficult financially for Americans to recover from the financial crisis of a pandemic. The credit reporting agencies should be held accountable and hopefully the CFPB will do their job here.
Complaint sub-issue: Account information incorrect

Inquiry information is incorrect. The only inquiries that belong there are from XXXX XXXX XXXX and XXXX XXXX  company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are two hard inquiries on my credit report from the same company : Credco. The inquiries are 3 days apart.One in XX/XX/XXXX and one XX/XX/XXXX. There 's also one inquiry from XXXX XXXX XXXX on XX/XX/XXXX that was n't approved. I have credit cards with XXXX but they 're old and there 's no reason for a new inquiry, especially if I was n't notified.
Complaint sub-issue: Investigation took more than 30 days

I sent XXXX a letter of dispute regarding XXXX public records XXXX XXXX XXXX XXXX. XXXX  and Equifax both reported that this information was furnished to them by XXXX, which is a third party vendor. I advised XXXX and Equifax that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to XXXX on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from XXXX and it has been more than 30 days. The Tax Liens are {$990.00} and {$1000.00}. I also made contact with Oklahoma XXXX XXXX and they verified that XXXX was never given this information by them. As a result of this, XXXX reported this information to XXXX and Equifax without the consent of the court.In return, this is inaccurate information and the process thereof.
Complaint sub-issue: Account information incorrect

I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to commenity since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.
Complaint sub-issue: Account information incorrect

There was a XXXX credit card opened in my name and was maxed out. This activity is fraudulent and I need this to be taken care of in a timely manner. According to the FCRA any inaccurate accounts/information on my report are to be removed with the proper documentation. I have never opened a XXXX card. I need this to removed from my credit report because it is negatively impacting my credit score. This is unfair.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2020 Someone fraudulently opened an account with Discover bank using my information resulting in a XXXX dollar debt that isnt mine
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I disputed inquiries as fraud with XXXX  and called on multiple occasions. Nothing resolved, I've also reached out to the creditor.
Complaint sub-issue: Information belongs to someone else

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have continuously complained and disputed various INQUIRIES on my credit report with Equifax. I have written them letters. I have formally filed disputes. All to no avail. I have vehemently denied these inquiries. XXXX has removed them from my credit file. Equifax does nothing I have worked diligently on my credit this last year, so I find it totally unfair to be penalized for negative information on my credit file that does not belong to me or was not authorized by me. The following is the list of Unauthorized Inquiries on my Equifax Report. 1 ). XXXX XXXX XX/XX/XXXX, 2 ). XXXX XXXX XX/XX/XXXX, 3 ) .XXXX XXXX XX/XX/XXXX, 4 ) .XXXX XXXX XXXX XX/XX/XXXX , 5 ). XXXX XXXX XX/XX/XXXX, 6 ) .XXXX XXXX XXXX XXXX, 7 ). XXXX XXXX XXXX. XX/XX/XXXX I state under penalty of perjury that I did not authorize or request these inquiries. I would request that Equifax do their diligence and find out who did.
Complaint sub-issue: Problem making or receiving payments

My bbva account hasnt worked since Thursday XX/XX/XXXX. Ive had no access to cash or online transactions. The only advice I got was go to pnc atm or pnc bank. I drive half an hour to pnc on Saturday and the atm didnt work either. I work banking hours so XXXX cant get to the bank. The customer service rep was rude and hung up on me. None of it is working yet. I dont have gas money for work or anything. Ive acquired late fees too
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Confusing or misleading advertising about the credit card

I opened A secured card in a branch therefore account was opened by representative in person. I was misled and getting false information and not disclosed all information. The product was not effective and not properly work when it should have so I chose to end my business with them but they will not help me in using the funds I gave them for the card to pay off the card and close it even after enduring unacceptable damages from them which they just ignore and Ive done nothing to address. They need to be audited by the IRS and government and all agencies as the way they treat customers its not legal, normal, or moral. I want out. I want to close my accounts, I want to be far away from this dark business and never be submitted to such corrupt and disturbing business practices ever again. I insist they complete what Ive been asking of them that they are refusing to respectfully do. They immediately need to transfer my money from my ( not theirs, it is my savings account not theirs ) savings account I gave them and payoff my secured card ( falsely advertised and misleading account ) and close both accounts after mailing me a check for the remaining amount left over. This should have been done without an issue. But more so it shouldve been done for the fact that this is based on a huge issue they created which caused XXXX and physical damages to me. I have spoken to several representatives which some have lied to me and told me it was being completed and others were rude to me and others were unwilling to explain or simply help me do the simple transactions and requests. Their policies answers and company values are greatly either lacking or out of whack. I feel like I have shackles on my feet I really have never experienced such an awful immoral business ever in my life. It is disturbing and scary reality.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Complaint sub-issue: Trouble with how payments are being handled

I am trying to get XXXX refunded. XXXX XXXX and Mohela will not provided any information of how much money has been approved and just keep saying to give it more time. I have called XXXX XXXX. I need XXXX refunded back to me and more information about the amount that has been approved. I need to make sure the amount of the refund is correct.