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

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 

Bankruptcy Reinsertion Also, there's an instance that the bankruptcy is being re-inserted in my credit report. It was disputed and has been deleted. It has defamed my character to lenders, held me back from getting my home and a host of other things.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I'VE BEEN TRYING TO GET THE BUREAUS TO LOOK INTO THESE ITEMS REPORTING ON MY CREDIT REPORT BECAUSE I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Good morning, This year has been a very rough year to say the least. My wife and I were considering a XXXX  but decided to XXXX XXXX XXXXXXXX  and save our family. Here is what happened : In XXXX, I prepaid a lawyer XXXX XXXX dollars to represent me in a case that never happened. I fired the attorney and requested a refund since our case was a wash and the law firm basically did no work for me whatsoever. 

The law firm refused to refund me, pointed out to me that they had ONLY used around XXXX or XXXX of my retainer, but instead of returning the unused amount to me in its entirety, they only wanted to give me half. 

I disputed the charge with my CC company, sent them ALL OF THE DETAILS from point A to point Z and they sided with the merchant. 

I will fight until I have no fight left to stand up for what is right, ethical and moral. This law firm and cc company ( citi ) are taking away my family 's XXXX by trying to rob me of XXXX XXXX dollars. I need help, please help me! 

I have all of the documentation necessary to prove that the law firm owes me at minimum {$1200.00} dollars, but they are only willing to give me half of that. Which is wrong, illegal, and inhumane.
Complaint sub-issue: Debt is not yours

The options it gave to describe the problem were not broad enough to include our issue - so I choose closest option. 

This debt resulted from the credit card purchase of a XXXX XXXX cell phone at Best Buy. The camera was defective. The entire selling point for this {$800.00} phone was the camera - we could have purchased ANY old phone to text and call! We reached out to Best Buy multiple times, they REFUSED to help in any way. No exchange, no refund. We then sent the phone to XXXX for repair under warranty, but when they sent it back the camera was not fixed. 

As it was purchased on a credit card and the balance remained, we called the creditor to file a dispute. They refused to take our dispute. We followed up by putting it in writing and sending it certified mail, return receipt. They would NEVER acknowledge our dispute and continued billing. We sent another notification of dispute and copies of documentation again with the billing statement. NO RESPONSE. Months later, we get a collection notice from XXXX XXXX XXXX. We informed them it was a disputed charge and they ceased pursuit. Now, a few months later, this attorneys office, XXXX XXXX  XXXX, are aggressively pursuing this matter. We have informed them it is a disputed charge and provided them will all documentation. They have failed to respond to our communication on the matter, have sent the XXXX XXXX to our door attempting to serve legal papers, and most recently sent notice to the postmaster for address confirmation to serve legal papers. They do not care that this is a rightfully disputed debt. They are pursuing it aggressively, looking for an easy payout. We intend to fight this fully, but these kinds of tactics should not be permitted. 

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX We had every right, under the consumer credit protection guidelines, to dispute this charge. We have documentation to support everything that we did in effort to resolve this matter. Prior to this, we had a long-standing account demonstrating excellent payment history with Best Buy. 

The fact that they are continuing to aggressively pursue a disputed debt, even after they have been notified and provided more than sufficient documentation to substantiated that is appalling and wrong. 

Lastly, as they have ALSO been notified. We do still have the phone in question in its original box and would be MORE than happy to return it to them immediately, provided any negative credit reporting related to this matter is corrected and removed.
Complaint sub-issue: Their investigation did not fix an error on your report

This was a medical bill that I had medical insurace. I submitied my medical insurance and the medical insurance company did not bill me but sent it to  XXXX  collection agency that reported the debt to equifax. I provided the insurance information. I am told that the will notified all credit agencies. The debt still show up in my Equifax report. Date -  XX/XX/2015,   Amount  - {$240.00}. Equifax did not take any action
Complaint sub-issue: Investigation took more than 30 days

This Complaint is against Equifax XXXX. XXXX XXXX XXXX, GA XXXX On XX/XX/2018 I have sent a dispute letter to Equifax certified via mail tracking # XXXX and letter was received by Equifax on XX/XX/2018. I waited 43 days for a completed investigation and response from Equifax and still did not receive anything in the mail from them. So on XX/XX/2018 I sent a 30-day non-response letter certified via mail tracking number # XXXX and was received by Equifax on XX/XX/2018 stating to Equifax to remove all negative accounts that I have disputed with them on XX/XX/2018 because Equifax failed to show proof of debt and failed to respond to my dispute with in 30 days by law. Equifax then sent me and updated credit report via mail on XX/XX/2018 credit report confirmation # XXXX and in that report they did not update and delete all accounts that I have disputed with them on XX/XX/2018.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

This Acct # XXXX shows that I owe them that I owe them {$5700.00} this acct is reporting that this acct was open XX/XX/2020 on ( 2 ) XXXX  and ) XX/XX/2020 this acct is mis reporting inaccurate info. I don't have any account with XXXX  XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

REMOVE THE FRAUDELENT INFORMATION FROM MY CONSUMER REPORTS
Complaint sub-issue: Information belongs to someone else

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Complaint sub-issue: Account information incorrect

I have filed over 4 separate letters with XXXX, XXXX and equifax each letter over 35 days apart requesting Incorrect Account Status validation and requested to be corrected or delete. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 

Accounts wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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, 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: Their investigation did not fix an error on your report

SPEEDING TICKETS, I contact the company to explain that SPEEDING TICKETS I had in the past from long time ago, passed the status of limitations, not supposed to be in my driving record any more. 


company XXXX : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2016 we bought XXXX water system to purify our household water and our drinking water. With the notion, that the system will take out all impurities out of our water. After 3-4 months from the date of installation we started noticing a yellow, orange, red, and greenish color substance in our showers, toilets, and sinks. So we called the sales person over 50 times and he did not answer. Finally, we got in touch with the main office and the manager called us back. He came to the house, we showed him the problems. He took samples, and they were inconclusive. Then we called again, spoke to another manager, he came out same thing. Then they sent a tech out, the tech informed me that the reading should be under 10 because it is a new water system, when he did the test, there was no difference between the city water coming into the house and the water coming out of the system, which I saw with my own two eyes because he was showing me the reading. After he saw the readings he tried to change his story so we called the main office and spoke to the main guy in California. After a heated debate we left off on that he was going to figure out an alternative option something like switching out the machine for another one and we hung up. Working 7 days a week, months and months went by but nothing was done. We didnt receive not one call or come to any solution. I got sick, my XXXX  XXXX was as big as my XXXX XXXX. My doctor asked what I was drinking and eating because it could be a XXXX XXXX. So after doing a XXXX & XXXX they still couldnt figure out what was wrong. So I stopped drinking the water and cut off the payment that was being directly withdrawn from my bank account for almost two years. Ironically, my health got better yet my level of XXXX  with this company got higher. Thats when they started calling us. We explained the situation they told us they would get back to us within 48 hours and nobody called us back. They sold our account to a collector who demanded payment. We explained to them the situation they said they would call us in 24-72 hours and no one called us back. A few months ago they called us again. We explained to them the situation again this time they even confirmed the notes on the account & said they never received one single payment. Which is a lie because we have bank statements to prove it. We even told them to come get their machine and they said that it would be a good idea to come get it and yet again NOTHING was done. Forcing me to pay for something that doesnt work is not right. They also stated every time that we were on a recorded line so they should be able to confirm the same thing I am stating. They even said they have a lot of notes on the account and even said they had everything documented yet nobody did ANYTHING to help fix the problem. We are still waiting for their phone call. I went to buy something the other day and noticed they are hurting our credit and I dont know if to get legal counsel and file a law suit therefore I am here begging you for your HELP.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting 1 derogatory account on my credit report with no creditor listed. I am unable to send out a validation request because I am unaware who is reporting the account or if the account belong to me. I have sent over 4 dispute letters since XX/XX/2020 to Equifax asking them to investigate the account and I have yet to receive a written response or see any updates on my credit report.
Complaint sub-issue: Reporting company used your report improperly

On or about XX/XX/XXXX I requested verification of an alleged account... 
XXXX XXXX ... XXXX. They, XXXX XXXX responded in kind ( attached ) with a notification stating their " investigation '' has confirmed and verified the account. First ... their response has provided nothing more than a name and address. 
Second ... their response in itself provides proof of their violation of my rights under HIPAA.

So I am requesting that they provide proof that I authorized the release of my medical records to them.

In addition I am requesting a description of how they recieved my medical records, and if an electronic transfer was conducted they must show their compliance with the HIPAA security rule, specifically the HITECH ACT of XXXX.
Complaint sub-issue: Problem with personal statement of dispute

I have reached out to all three credit burears to investigate inaccurate accounts on my credit report and they have come back " verified '' but i have yet to see a proper investigation of what iv asked for from them.Equifax, XXXX and XXXX are listing on my credit report that i have dept colletion accounts in the amount of {$4500.00}, {$9000.00}, {$4500.00}, {$2300.00} .All they have provided is the same old paperwork that i have received over and over. it states my name and address and amount i suppossedly owe. in this investigation i have requested that they send me the original binding contracts with my signature proving that i applied for theses account and i have not received my request .I know my rights as a consumer to not have my name or credit report slandered as it is and thus making it difficult to use my credit because so. The law FRCA 15 USC 1681 states that the must by law provide me the consumer with a proper investigation that is 100 % accurate. i have demanded these reports be deleted if they can not do a proper investigation and they have yet to delete then
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 account that needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : XXXX XXXXXXXX : {$19.00}
Complaint sub-issue: Debt was result of identity theft

My identity was used to open an account at Citi Bank. I informed Citi Bank that my information was misused and they still sold this debt to XXXX XXXX XXXX, XXXX. This is illegal. It needs to stop. I researched the Federal Trade Commission and Fair Credit Reporting act. These practices violate the laws congress enacted to protect the consumer.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX XXXX XX/XX/2020, XXXX XXXX  to support To whom it may concern, I have never ordered anything from your website. I have informed my bank that the XXXX charged to my account is fraudulent. Please return XXXX to my cre. 

XXXX XXXX Customer Support XXXX via XXXX XXXX XXXX, 2020, XXXX XXXX  to me Thank you for contacting Customer Support. 

Your account with us is closed, you may consider this message as confirmation of cancellation. 

Additionally, you disputed the charges with your bank, and therefore they will provide any refunds, if necessary. 

For further inquiries or to make changes to an existing order, please call ( XXXX XXXX XXXX to speak with a live customer service representative. 

Our courteous and efficient staff is available twenty-four hours a day, seven days a week including all Federal holidays ; please understand that hold times may vary depending on call volume during peak hours. We can assure you that all of your questions and/or concerns will be resolved, and you will be completely satisfied with our outstanding service. 

Thank you, Support
Complaint sub-issue: Investigation took more than 30 days

I have made two complaints now, both to Equifax and to the CFPB, stating that I have filed disputes online my the Equifax Dispute Portal, but each dispute is taking longer than 30 days to resolve -- in fact, my disputes are still open and Equifax has not sent me any notification about why these disputes are taking longer than 30 days. Since Equifax is not properly resolving these disputes in the 30 days allotted to them, and they're not communicating with me about why the disputes are taking more than 30 days to resolve, Equifax will not allow me to file any further disputes on inaccurate information contained in my credit file. As a result. I am having to file all my Equifax credit report disputes through the CFPB. When I try to call Equifax, their representatives will ask you the same, poorly and ambiguously phrased verification questions. If I'm able to pass those verification questions, their representatives are foreign and there is a massive language barrier trying to communicate with them. Equifax has made it impossible to do business with them. Every time they respond to my CFPB complaints, it is a scripted, canned response that means absolutely nothing and does absolutely nothing. I don't know what to do. Equifax is not processing my disputes correctly, their phone service is both unbearable and unable to be used with their customer service agents ' language barriers and when they respond to my CFPB, the responses are not personalized -- they are scripted, canned, unhelp and do nothing to resolve the inaccuracies on my Equifax credit report. Obviously sending Equifax complaint after complaint after complaint through the CFPB isn't working, so it would be nice if someone involved in Equifax 's executive office was involved.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX I sent out a 609 letter informing equifax, XXXX and XXXX credit reporting agency that the list of credit inquiries that I have written down were not requested by me. I asked them to investigate the issues and supply me with a written response and documentation on how they validated these inquiries within the next two o days. I have not received any information on this matter from any of the listed parties. Upon calling equifax I was informed by one the the US supervisor that they do not validate inquires and that it is not their job. I then responded to her by saying " this is not the truth, it is on the credit reporting agencies to ensure that all information that is placed on a persons credit report must be accurate and that if a consumer has informed them of fraudulent information it is their job to pay investigate. ". Again she said no and that I need to either file a police report and or a complaint with the CFPB. So here I am filing a complaint because it seems that equifax knew that people 's information was compromised and did n't do anything after the fact.
Complaint sub-issue: Account status incorrect

Starting in early XX/XX/XXXX, I noticed that even though my payments are automated, and whatever the required payment is, I was shown as owing ~ {$10.00} still. Upgrade has had this problem before where they continue to say I owe when I dont. So Im an attempt to resolve myself, I made the {$10.00} payment on XX/XX/XXXX. I first attempted to email, request # XXXX and they wouldnt help me over email citing privacy, so I called Upgrade on XX/XX/XXXX, and they said they would look into it. I then got an email on XX/XX/XXXX saying that I still owed {$7.00}. 

Throughout XX/XX/XXXX, I call over 10 times checking on the issue, being given the run around, being assured the problem was being looked into and would be resolved. 

I even called again on XX/XX/XXXX to insure they wouldnt report my late, Upgrade Request # XXXX. 

On XX/XX/XXXX, I start getting multiple alerts that I am delinquent on my Upgrade card account. I immediately called Upgrade support and they said they would resolve the issue. I called the next day to check the status and they said it would take 10 businesses days to resolve. I was patient and waited until today, XX/XX/XXXX, called back because the issue was not resolved. Still they transferred me elsewhere and forced me to leave a voicemail. So Im submitting this complaint
Complaint sub-issue: Didn't receive enough information to verify debt

I send this dispute certified mail # XXXX to make sure they had receive it. I have no knowledge or records of account # XXXX reported by PMAB. Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
If you can not obtain The information from the original creditor within the required time frame ( 30 days ) Please delete this account from my CR.
Complaint sub-issue: Personal information incorrect

went to the the company website to dispute the wrong information but it didnt let me log in.