Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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: Problem using a debit or ATM card

Approx XX/XX/XXXX - debit card stolen I reported the following day cancelled card Was told they would review and investigate/ XXXX mos pass by of their staff not returning calls ; emails ; repeatedly have to re explain XXXX and XX/XX/XXXX filed. 

XXXX days later - spoke with ML rep who had me resign affidavit XX/XX/XXXX given provisional credit for the money taken from atm. I thought ML indicated they had my back but them with no response call etc XX/XX/XXXX Money was reversed and up to and past point no one from money lions called texted etc
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I disputed a charge that was charged to my discover card back on XX/XX/XXXX from XXXX XXXX for three flight tickets. Each ticket was for {$350.00}. This company is out of XXXX and no longer in business. They filed bankrupt in XXXX. The person that contacted me from a company that I thought was affiliated with XXXX was told they did not have permission to charge my credit card. I told them this over the phone and by email. At first they told me that my credit card would not work and then four days later after I told them they did not have permission to charge my card because I knew then they were suspicious they sent me an email saying that my card had been charged and my flight tickets had been confirmed. I called XXXX XXXX who confirmed that these were not XXXX tickets and that I would not be getting on a XXXXXXXX XXXX They said that the company was not in business and they then did a fraudulent form on the tickets and company and told me the tickets were no good. They told me to call discover and dispute it with them so I did but at the time the charges were not on my card yet. That took about two or three days to show up and once they showed up I disputed them. I was told by the representative at discover that they had 30 days to respond back to the dispute and if they did not respond back that it would officially removed from my discover card. The charges were removed completely off my credit card and then four months later discover put them back on there ( XX/XX/XXXX ). I reached out to discover over 10 times talking to different people each time. They could only tell me that SOMEONE, not quiet sure had sent something in to them that I missed my flight so they added the charges back and told me that they couldn't be taking off since they received that. I spend two weeks talking with discover, XXXX, and multiple different airline and agencies across the world trying to figure this out and see who exactly disputed back four months later. Every place I called could give me no information and said they showed nothing under my name or email or phone number. Discover would not try and reach out to anyone to see what was going on. They said they couldn't and that I had to do that. I tried to tell them that the company no longer existed and the phone numbers were non working numbers. All the numbers I tried you could not talk to anyone or they said they were not allowed to give out any information. Discover was no help to me what so ever and did not try to help me. They said they didn't know who disputed it and had no name or number at one point. The numbers that had reached out to me about these flights back in XXXX had no working numbers. I had to go back to emails that they sent me to try and talk to them and they told me they showed nothing in my name. Every time I tried to call them back in XXXX concerning them charging my discover card the numbers did not work so I could only communicate through email and at that time they would call me from a non working number. I am asking that Discover take the charges off of my card.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX Company Inquiry : US SM BUS ADMIN ODA
Complaint sub-issue: Personal information incorrect

XXXX has downgraded my crdit score from XXXX to XXXX. All the other credit reporting agencies still have mine in the XXXX area. XXXX has recently been reported having incorrect credit scores that have adversly affeted consumers. 
Looking at the details in XXXX on my report, nothing significant has changed and and everything is reported that all payments are on time and no bad debt. 
Wht can I do to have them fix my credit score?
Complaint sub-issue: Account status incorrect

XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.
Complaint sub-issue: Can't close your account

I contacted the bank through the online secured email to request that my account be closed as I sold the vehicle I had financed through them and I do not reside in the area of the bank. I email stated that I needed to go into a branch or call the XXXX num. I call the XXXX num to close my account and they proceed to tell I need to go to the branch I open the account to close it. I live over 3,000 miles away from the nearest branch or I needed to find a way to get the balance to XXXX. Mine you I get charged XXXX for the balance under XXXX and you can not do external transfer for a small amount. I explained to them I never had this issue before closing an account as I move often for my job with the government.
Complaint sub-issue: Account information incorrect

Hello, I tried to reach the Credit Bureaus by letter letting them what to correct on my Credit report, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I pulled my report and found I had unauthorized inquiries on my account. I contact the source and they did nothing they said they had no information on my account. they have did nothing. I contact the Credit bureau as well they have not responded..
Complaint sub-issue: Account status incorrect

Equifax is reporting XXXX XXXX ACCT # XXXX as a ( OPEN ) acct with no Limit a balance of {$2300.00} with a payment of {$60.00} XXXX XXXX reporting on the same acct # XXXX acct was closed XX/XX/XXXX but still being reported as paid on time XX/XX/XXXX with a Limit of {$2500.00} a balance of {$2300.00} with a payment of {$60.00} on a reported of a closed account. 
XXXX XXXX XXXX ACCT # XXXX is reporting no limit {$0.00} balance {$1800.00} closed but reporting as of XX/XX/XXXX payments on a closed acct of {$93.00} with a Remark stating account closed by creditor. XXXX XXXX is reporting the same name with a acct # of XXXX with a limit {$1700.00} balance {$1700.00} acct closed XX/XX/XXXX still reporting as of XX/XX/XXXX with a payment of {$93.00} on a closed acct.
Complaint sub-issue: Investigation took more than 30 days

To whom it may concern I am challenging the validity of the alleged bankruptcy you have listed for my credit reports I received a message from the credit Bureau stating that you verified the information. I contacted the federal courthouse for the XXXX XXXX XXXX Georgia and was told via letter that they do not verify this information, or the information was not verified with them for you or any other credit agencies. I am asking that they would please send me the information that you use to verify the alleged bankruptcies and that you would also either remove this bankruptcy from my credit file with you. For this is defamation of my character. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15U.S.C. 1681 et follow reasonable procedures to assure the maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, at XXXX ( XXXX. XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make sure or certain : put beyond all doubt, [ m ] aximum means the greatest in quantity or highest degree attainable [, ] and possible means something falling within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2 ) comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 
For your convenience, I am sending you a list of the items you need to verify them. These listed accounts. BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX EMAIL : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, On XX/XX/2018 I am being hit with a hard inquiry. I never authorized said Inquiry from XXXX. I never signed any paper or document allowing them to run my credit. I would like this removed from my file. Unless further proof can be shown. I have no knowledge of this.
Complaint sub-issue: Attempted to collect wrong amount

In XXXX and XX/XX/XXXX my hospital submitted charges for services performed by an XXXX, resulting in insurance paying as out-of-network. Hospital has been repeatedly billing me for the portion which which would have been paid by insurance if claim had been submitted properly. 
I personally visited hospital billing office, made phone calls and sent them a letter advising of dispute. At XXXX point they said they would stop billing for those charges but they recently resumed and then turned the charges over to a collection agency. 
Last week ( XX/XX/XXXX ) I received a call from the collection agency. I tried to inform the caller that those were disputed charges for physician services being charged by a hospital, but he interrupted me shouting that we had discussed this before and the billing was for hospital charges not physician services. His statements were not true. We had not discussed it before, and the charges are for physician services. 
I called the hospital customer service number and after placing me on hold while consulting with billing, they told me that XXXX of the charges should not have been submitted to the collection company and they were withdrawing that XXXX for now but may re-submit it at a later date. The other charge remains with the collection agency. I have advised the collection agency in writing that the charges are disputed. 
I have paid all of my legal obligations to that hospital. The only charges I refuse to pay are the ones that resulted from them billing incorrectly for physician services, resulting in insurance not paying as in-network. 
I was being treated there last year for XXXX and am now being treated elsewhere. The incessant billing, and now the abusive phone collection attempt, is increasing unmanageable stress to a level that I believe is harmful to my health and is interfering with my recovery.
Complaint sub-issue: Information belongs to someone else

I HAVE ACCOUNTS THATS IN MY NAME THAT I DID NOT OPEN WASNT AWARE OF IT MY PERSONAL INFORMATION WAS USE IM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2018 in the amount of {$420.00} my auto loan payment was due. I called the Auto loan company and they agreed that I could pay past the 30 days and as long as it was paid before 45 days it wouldnt be reported as a late payment. I tried to reach the creditor and credit bureaus but no resolution was met. It still reflects on my credit score as 30 days late.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an accounts : XXXX XXXX Balance : {$0.00} on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX ; XXXX ; XXXX and hoping that this XXXX  XXXX Balance : {$0.00} late open account will be updated.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have 27 fraudulent transactions the were made on my account from XXXX in XXXX XXXX- I as never notified of any fraudulent activity- I got my bill and immediately called them - They were not able to verify my account due to THEIR issues and therefore have to send me a letter via usps- which will take 7-10 days - refused to issue a new card to me during the holiday season and it is attached to an airline so impacts my flying. The refuse to discuss any of this until I get the letter but did tell me the cared was not present and the number was manual put in. Many at the same store for the same amount but never was I notified until I got my bill- Now my card is shut off and it is the holiday season and won't send a new card and I have to wait 7-14 days for a letter they are sending - and refused to send an expedited later. I am trying to report fraud and they are making it so difficult I understand how people get away with it because the process is long and offers no help to the consumer - on my own I have called the police, the stores my card was used at - and 27 transactions happen on XXXX and I was never notified.!!!!!!! and many of the charges were identical amounts. After reporting it, and supposedly I get a email last night for an additional 3 fraudulent charges - I have spoke to numerous people at Citi cards and NOBODY will help me- and have left me with a card that is shut off so I will have declined charges for bills I use this account for and who knows when I will get a new card and after thus process do I even want to use this bank for anything????? The customer service is terrible and they seem to help the other guy and not the consumer. They have caused me stress, and questions as to whether my credit will be effected ..... They should be able to immediately help me when I call- I have the card in hand. Extremely unprofessional on the part of Citi cards... .seems like that want to help the bad guys more than their own customers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello Im happy to be a american today. Im not knowable about credit. I went to check my credit and noticed multiple inquiries that I dont recognize. I contacted the companies they said the i must contact each person and I did from the inquiry information on my report. They said there is nothing I can do. I told them could this effect my citizenship a few said yes. So I said how can I remove this and proof it wasnt me. They said I might have to get deported. I dont understand why I didnt do this. I googled and found your company. Can you please help remove this information from my report. I didnt apply for any of this credit inquiries. I have multiple. Please help me. Verify a signature and photo of person who did this please.

XXXX   Equifax XXXX  XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX XXXX XXXX Credit Unions XX/XX/XXXX Yes XXXX Finance,  personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXXYes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Finance, personal XX/XX/XXXXYes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX   Automotive XX/XX/XXXX Yes Yes XXXX XXXX XXXX.

All Banks - non specific XX/XX/XXXX Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX XXXX XXXX All Banks XX/XX/XXXXYes XXXX XXXX Banks and S & Ls XX/XX/XXXXYes Yes XXXX XXXX Automotive   XX/XX/XXXX Yes Yes XXXX XXXX Credit Card Processors XX/XX/XXXX Yes XXXX Banks and S & Ls  XX/XX/XXXX Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Automotive XX/XX/XXXX Yes
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020, there was a hard inquiry that hit my report from The Home Depot/Citi Card. I have called Home Depot and on the first call they were able to locate the application and flag it by pulling up my social security number. I then tried to dispute it with XXXX  and it came back that the findings were factual and that if it was incorrect I needed to contact The Home Depot and Citi Bank. When I called back Home Depot they were unable to find anything with my social security number so they told me to call Citibank. I called and they were unable to find anything with my social as well. I was sent going in circles trying to call Home Depot, Citibank, and XXXX, all unable to help me get this hard inquiry off of my account that absolutely doesn't belong to me. I never applied for anything with Home Depot or Citibank. It seems that the inquiry is pretty much stuck in limbo, since there was never an account opened. Nobody has been able to help me and I don't know what else to do to get this hard inquiry removed. I also sent letters to the credit bureaus requesting that this dispute be removed. Please help me!
Complaint sub-issue: Public record information inaccurate

Us B ankruptcy  XXXX  I went to the courts they have nothing matching my social security. They could n't give me proof because they do n't report to the credit bureau. They told me they could not help because they do n't have any record for me.
Complaint sub-issue: Threatened to sue you for very old debt

PSC Inc attempts to collect a utility bill outside statute of limitations. Washington statute of limitations debt RCW 4.16. 040 Continued attempt to collect on debt Notified PSC Inc of statute on XXXX/XXXX/2020. Tracking number XXXXXXXX XXXX Requested they cease collection attempts, to notify any subsequent collection company they transfer said debt to in the future of RCW 4.16. 040 and to cease reporting this debt to the credit bureaus. 
I received Notice of Attempt To Collect A Debt letter from PSC Inc. mail date of XXXX/XXXX/2020 continuing their actions. 
PSC Inc is continuing to report this debt weekly to the credit bureaus further damaging my credit for a debt that is outside RCW 4.16. 040 Spoke with XXXX  at your office, operator ID XXXX on XXXX/XXXX/2020 and was unable to assist.
Complaint sub-issue: Problem with the interest rate

The SUV loan that I am paying  for via Drive Time/   XXXX   XXXX  is Ridiculous. I purchased a   XXXX    XXXX   XXXX  from this company and the truck has driven well for a ll of 2-3 mo nths. I have had it since  XXXX . The over loan for the car is  XXXX  and the car will not last they length of the loan. It stops in the middle of traffic and the return policy ends after 5 days. None of their approve repair shops have fixed the many issues this SUV began to have after thi s 2-3 period. I a m in the midst of addressing once again the repair issues and the representative has been accommodating. But I  know and they ( Drive Time ) kn ows that this car was a severely used care lemon and the car report card that I was given at the time of purchase was false.