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

I have a loan with XXXXXXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at The 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX  but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$0.00}.
Complaint sub-issue: Transaction was not authorized

my card won't link to XXXX  for stock trading
Complaint sub-issue: Account information incorrect

This account is not mine and has been re opened with new information. It was previously reported closed and then reappeared with a different account number associated to my name and derogatory payment history and now open with a {$400.00} balance. This is completely wrong information and the company told me the account was closed and then minutes later over the phone found another account, that I was told I had to pay. Completely fraudulent company and are doing nothing to help me get this out of my name and off my credit bureaus immediately!
Complaint sub-issue: Was not notified of investigation status or results

I sent letters on XX/XX/2021 andXX/XX/XXXXand havent gotten a response or anything in writing from none of the three credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX  has eveidence that this clearly does not belong to me. within timely definsition per federal standard.
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud accounts on my credit report since XX/XX/2022. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 52 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately!
Complaint sub-issue: Reporting company used your report improperly

1.Account Name : XXXX Account Number : XXXX Amount : XXXX Date opened : XXXX 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 belongs to someone else

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. In XX/XX/XXXX I applied for a XXXX XXXX checking Account and was denied due to checking account fraud provided to XXXX XXXX from XXXX  XXXX XXXX. I contacted XXXX  and I was told that on XX/XX/XXXX a fraudulent transaction was received from XXXX XXXX XXXX XXXX  and credited to bank account # XXXX. XXXX records showed that the transaction was reported as unauthorized and deducted from the account. I have never used this account nor do I have access to it and I do not know anything about this transaction nor is it related to anything I have done or have been a part of. My account with XXXX is different from this one and I have had that account since XXXX. I filed a police report for this incident.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to the Equifax by mailing a letter First XX/XX/XXXX asking them for verification on Account XXXX I requested them to please investigate and delete from my credit report because I knew it wasn't accurate. It lacked any information about who was the debt collector reporting this inaccurate information that also violated my rights. They responded that they " verified the information ''. After they sent this I asked them to send me a breakdown of what they are alleging that I owe, the breakdown of fees, or bills and who the information came from. They DIDN'T RESPOND. I waited until to this matter was followed up with another letter from me on until XX/XX/XXXX to send a reminder letter and said they needed me to verify my identity. Which I did. On XX/XX/XXXX Equifax finally responded with who was reporting this inaccurate information and they told me XXXX XXXX XXXX. Being that XXXX received my dispute back in XXXX via Equifax they were well aware of my dispute and decided to disregard my dispute AND ignore all my request for validation. They are claiming that this is a medical bill. I am allowed under the XXXX  law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ANYONE, for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details XXXX only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they haven't responded means that they couldn't verify the information and therefore not only violated FDCPA but also XXXX. This account, account number # XXXX to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted my first dispute on XX/XX/XXXX to the credit bureaus they replied that the fraudulent unauthorized information was verified. I then submitted another dispute XX/XX/XXXX in regards to them providing me proof on how they verified the accounts I reported were fraudulent and unauthorized. I haven received any verification or response in the past 54 days! This is absolutely unacceptable and in violation with the FCRA. I submitted a third dispute following up with their method of verification on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved the credit bureaus reporting fraudulent unauthorized accounts on my credit report. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX Equifax data breach as well had my identity stolen. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX/XXXX XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My card has charges on it that were not made by me. I wrote a Dispute letter and also a letter from my employer stating my where abouts during the date and time the charges occurred. On XX/XX/2018 at XXXX a charge for {$100.00} at XXXX XXXX XXXX NY . On XX/XX/2018 at XXXX a charge for {$210.00} at XXXX XXXX-NY. On XX/XX/2018 at XXXX a charge for {$60.00} at XXXX XXXX. XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$18.00} at XXXX XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$290.00} at. XXXX XXXX XXXX # XXXX XXXX NY US. On XX/XX/2018 at XXXX XXXX a charge for {$69.00} at XXXX # XXXX XXXX NY US. On XX/XX/2018 at XXXX XXXX a charge for {$100.00} at XXXX XXXX XXXX NY US. On XX/XX/2018 at XXXX a charge for {$81.00} at XXXX XXXX # XXXX NY US . On XX/XX/2018 at XXXX a charge for {$3.00} at XXXX XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$9.00} at XXXX XXXX # XXXX XXXX NY US . On XX/XX/XXXX at XXXX a charge for {$19.00} at XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$88.00}. Its been over 7 months I have no letter explaining why I was denied. I called over 30 times trying to get a representative to mail me this letter they put me on hold then say after an extended hold time of over 10 minutes they say no one is available. Sometimes they hang the  phone up on me. The card company is XXXX XXXX  Visa Prepaid Debit Card is issued by XXXX XXXX XXXX XXXX, Member FDIC, pursuant to license from Visa U.S.A., Inc. This lost of money has set me back on bills, food, and shelter.
Complaint sub-issue: Account status incorrect

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Problem with statement of dispute

i filed a dispute of an outstanding bill that was not correct, all they did was verify that the bill was sent to me without further investigation as to is correctness.
Complaint sub-issue: Confusing or misleading advertising about the card

Received an uncilicted US BankReliacard debit card. Card # XXXX XXXX XXXX XXXX. Flyer inside envelope states that " Colorado Department of Labor and Employment automatically issues a Reliacard to every claiment who files for and is approved to receive unemployment benifits ''. 
I have not applied for unemployment. 
Is someone using my identity to file for benifits?
Complaint sub-issue: Was not notified of investigation status or results

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. 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 XXXX. Company Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED # XXXX
Complaint sub-issue: Reporting company used your report improperly

Hello, XXXX XXXX  : Equifax # XXXX ; XXXX  # XXXX ; XXXX  # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.
Complaint sub-issue: Reporting company used your report improperly

I am asking that this company to seize its illegal activities. 15 U.S.C 1681 Section 602 A. States 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 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. I have no contract with ( XXXX XXXX XXXX ) this account is not accurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I Have reported these account to the credit Buro of Fraduelnt and ilegal, these accou t are not mine and are reporting illegality, they are the result of identity theft i have provided then with all documentition, 1- Federal Trade Commission Report 2- XXXX XXXX XXXX XXXX Report 3-Identity Theft Victims Complaint Affidavit 4- XXXX Identity Theft Affidavit all document llegally you can provided and they continue reporting these account in my rcredit 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: Fraudulent loan

I was scammed by dealership called XXXX XXXX  in XXXX New York I am on XXXX  XXXX  they trying to finance a car I could never ever afford in my life they have the car and still trying to fraudulent push through loan anyway and trying put me in XXXX dollars in debt I could never ever pay I spoke to my bank reported the fraud and spoke to other lenders that were contacted trying push through the loan I also suffer from XXXX  illness and had a complete XXXX  breakdown and dont feel safe with this dealership again they said they canceled loan contact the bank I have no paperwork no anything no receipts absolutely nothing so i also dont know what fraud they done on the loan application it self any bank could see I could never financial afford that I barely can buy food to eat I contact ally bank many times right away reported fraud and they promised they would cancel loan contract from being processed so I wan na put in formal writing I been having XXXX breakdown on XXXX and dealership is defrauding by trying to push loan through that suppose be canceled they have their car I have nothing and I can not let this ruin my entire life I spoken with ally many times and have reference number where lady said its going to be canceled they wont fund it
Complaint sub-issue: Debt was result of identity theft

Good day, today, XX/XX/22, I received a collection letter from I.C. Systems, Inc. detailing a {$630.00} outstanding bill from XXXX XXXX. Problem is, I don't have any kind of business relationship with this entity. I called I.C. Systems and initiated an Identity Theft report. Turns out, whoever is scamming me has my home address, e-mail address, and social security number. I changed my e-mail password, and will contact the credit agencies to keep a watch on use of my social security number, but I'm filing this with you today so that I have it on proper record. Thank you for your assistance.
Complaint sub-issue: Problem using a debit or ATM card

XX/XX/20 XXXX Called pretending to be PNC bank asked account info - i did not give it because they asked for my billing address, but did know me name. i told them i wanted the number to call back bc i have dealt with recent fraud they gave me this ext. when i called back XXXX. 

said " before we get into the issue, what is yiour billing address. '' I called PNC for real and they said they would never ask for that info they would ask for name and then list recent charges. 

FRAUD. Last week had to cancel and reopen new account bc they did this to my mother.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I started disputing a late payment on XX/XX/XXXX with the bureaus. At that time, I did not receive any responses from them letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Complaint sub-issue: Problem getting your free annual credit report

I have tried to access my Equifax file numerous times over the past couple of months. Each time I am given inaccurate security questions and told I have to write in with additional documentation. I am not comfortable sending a copy of my SSN through the mail. And I believe this is a problem on Equifax 's end. I just want to be able to check my report like I do with the other services.
Complaint sub-issue: Public record information inaccurate

RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I called and spoke with a customer service agent there at Equifax explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my information.
Complaint sub-issue: Information belongs to someone else

Over the past year, I have been proactively identifying and disputing accounts and personal information that was fraudulently opened under my name and social security number without my knowledge and consent. There is one particular creditor, Discover,  that currently reports to of the credit bureaus ( XXXX and XXXX ) and will not cooperate to help me remove this unauthorized and fraudulent account off my credit report. I have consistently dispute with proper documentation as supporting evidence of this account being fraudulent and cause due to a case of identity theft. However neither credit bureau has properly investigated and removed the account, which is required in a situation like this, specifically because theres undeniable evidence which I have sent multiple times to both XXXX and XXXX as proof. Discover continues to update the account as valid, which is wrongful action to take. There is nothing on the account to validate, it simply does not belong to me under my name and social security number. Ive never opened an account with Discover under my name. It has severely hindered my financial abilities and outlook, specifically pertaining to my credit. To make matters worse, XXXX deleted the account only to reinsert the account a month later and this occurred in XXXX. It was done with no explanation and they did not provide any documentation as to why the account was reinserted and no notice was sent to my residence. XXXX also has been unwilling to cooperate and simply remove an account that is not mine. I am praying that this platform allows for a consumer like me to not be taken advantage and be punished financially for something that does not belong to me in the first place. I have placed fraud alerts on both credit bureaus, I have sent in proper and detailed documentation to support identity theft and this account being fraudulent and no proper action has been taken. I am hoping I can get this resolved as soon as possible, as it is critically affecting my credit and ability to have options.
Complaint sub-issue: Information is not mine

I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX Equifax, and XXXX for almost XXXX years. I now know why there is a class action lawsuit filed against XXXX Equifax, and XXXX in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.