Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This ongoing complaint targeting all three Credit Reporting Agencies is my final attempt to force them to cease their bad Faith Actions prior to my securing Counsel and seeking to file a civil suit and seek permission for a Class Action Suit, as there are many others with the same issues.

It is my understanding that the underlying motivation of all three is self enriching and for the enriching of their " member companies '' I have made multiple complaints for years that they have all consistently participated in a pattern and practice of ignoring disputes, failing to properly investigate and correct dispute and inaccurate Information and intentionally provide false Information so that their " member companies '' can charge higher interest rates due to the credit scores and Information provided by their reports.

My complaints have not been addressed or corrected at all as of the writing of this complaint.

I have made multiple complaints to the CFPB recently. They have all been ignored.

I demand the following : 1. ). To be sent accurate, corrected and updated paper reports from all three agencies, as well as electronic access immediately.

2. ). To have my personal Information ( Address history specifically ) restricted from the reports they share due to significant personal safety issues related to my Actions keeping a Congressman safe, pursuant to a Commonwealth of VA Court Order, which they all have.

3. ). To have all agencies comply with the policies of dropping negative items after set time periods have passed and to actually investigate complaints submitted by consumer instead of merely stating that their " member companies '' denied them and recuse to correct the complaints.

4. ). To Add significant creditor Payment histories from companies that do not pay them to report, ( as the companies demand ePayment in order to List credit histories from creditors. I have provided certified, notarized payment histories of greater than $ XXXX that they all refuse to include in my reports, to make my history look less significant, again to enrich themselves and their " member companies '' Further, I am furious with XXXX, who literally told me that they will not perform their manadated actions because they felt I was, " Attempting to hide from or avoid Financial responsibility '' Theese Actions are reprehensible, especially in a time when the Government Administration is taking actions to attempt to defend it's citizens from such abuses. 

I risked my life for my country. I am permenantly XXXX due to service to the public. I demand better treatment than the intentionally punitive, bad XXXX actions of XXXX ; Equifax and especially XXXX XXXX in retaliation for my merely demanding the proper treatment they are in place to provide.
Complaint sub-issue: Information belongs to someone else

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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 and a public record USBK COURT XXXX ALABAMA XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. I have also attached a copy of my current driver license please update my current address to XXXX XXXX XXXX, XXXX FL XXXX
Complaint sub-issue: Information belongs to someone else

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( reported duplicate on my credit report )
Complaint sub-issue: Other problem getting your report or credit score

On or around  XXXX  2017  a fraudulent credit card application was submitted using my social security number.  <P/> After receiving a letter from  XXXX   XXXX  confirming the fraudulent activity. I contacted the  XXXX  credit reporting agencies for copies of my credit report for review of any other unusual in formation on my report. I received copies from  XXXX  of the  XXXX  bureaus   XXXX   and  XXXX .  <P/> AS of this date  XXXX -2017 Equifax have not responded back. I forwarded a written letter as well as a confirmation letter of the fraudulent activity to Equifax and has still not had a response.
Complaint sub-issue: Billing problem

I was surprised to see when I looked at my report to see a late reporting for the month XX/XX/2019. I am not sure how this happened I believer I made my payment when I get my bill.MY only thought is that my statement did not get to me.
Complaint sub-issue: Information belongs to someone else

the following account was never authorized to report on my credit : Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX was included in our Bankruptcy and they are reporting a balance. This is in clear violation of the Bankruptcy Law Act. Docket # XXXX & Docket # XXXX
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX  I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Public record

A Public Record Information is reporting on my credit reports and I am contesting that it is inaccurate in its filing. My case was dismissed and my understanding is that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. I am entitled by law to have full information of the entity that was contracted to use my information. This derogatory is holding my identity and credit under " Consumer Lock '' for 10 years. I have approached the Bankruptcy Court where they claimed they verified, however, the BK Clerk of Courts has confirmed that they did not verify. I am requesting to have the CFPB advocate for me in this challenge.
Complaint sub-issue: Account status incorrect

XXXX Equifax and XXXX Please make-up your mind You are reporting me delinquent for Citizens one Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX Experian DELINQUENT FOR XXXX XXXX AND XXXX Equifax DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not XXXX not but minions of times that Citizens has provided you with the current delinquency months yet you XXXX Equifax End XXXX have failed to update it correctly
Complaint sub-issue: Their investigation did not fix an error on your report

I had sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas this bureau dubiously claim to have somehow verified these items. 
Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.Chapter XXXX bankruptcies Reference Number : XXXX - Again, I  have to ask you to please delete these erroneous account from my report. You have just re-inserted debts on the credit r

eport that were past the statute of limitations. 2.
XXXX XXXX XXXX : XXXX XXXX - I told you  Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! 

This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report. My dispute request, id and personal information has already been mailed to you before.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent my dispute letters to Credit Bureau numerous times and Credit Bureau is refusing to investigate into existing problem. I have pulled my report from all three credit Bureau in order to COMPARE my reports and I found numerous incorrect information and DIFFERENT information on each Bureau ; I can tell they didn't even try to verify information from my dispute letters. I have also obtained my report from three different sources who provide credit report, so I can proof now, they my rights as a consumer were violated. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
I'm exploding my rights and I'm filing complaint to Attorney General as well.
Complaint sub-issue: Account information incorrect

My HOA started reporting dues to Equifax. Equifax is categorizing these HOA dues on my credit as a secured loan. Let me add, I am up to current and never have been behind on dues. However, I was recently denied a credit increase from a creditor citing one reason as Limited information about the credit on my Home Equity Line of Credit which I do not have. It is referencing my secured loan with my HOA dues. I attempted to dispute the entirety of this with Equifax and it would not allow me to, saying I could not dispute this. It finally allowed me to dispute one month as an incorrect loan categorization but will not permit me to dispute the loan classification as a whole.
Complaint sub-issue: Can't close your account

My husband and I came to us bank in XXXX kansas to close my deceased father 's account which I brought a certified death certificate to them and someone working there pretending to be the supervisor said he was alive but he has been deceased since XX/XX/XXXX. I'm my own payee and I was being told the run around that I can't get that money. I'm still waiting for this " acceptance letter '' in the mail and have no had access to the account for almost three months now. They put my father as legal guardian but he was my payee. The person who said he was alive has made it a life or death situation for me and my husband and I even went to the court house which they told me my father didn't put himself as guardian. I'm his only living child, I have no other family alive. The account is joint but I'm not allowed access to it.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2022 I was charged {$1000.00} for a purchase I did not make. On that date I was traveling home from XXXX. I did not have time to go on any excursion which is supposedly what the charge was for. I contacted the company and they dont even accept credit cards and the address on the receipt is not even theirs. I have showed proof of travel and explained all of this repeatedly, including texts from the company and it seems they can not understand that there is no way I made this charge. The fact that I did not lose my card does not mean that I did not make this charge. I believe one of the vendors I did use it with made the charge. I have no problem paying my charges but when I didnt make the charge it is very frustrating. The digital signature is not even close to mine and doesnt even have my last name on it.
Complaint sub-issue: Right to dispute notice not received

I have come to find out that Palisades Collection, LLC XXXX has obtained a judgment against me that I never received notice to dispute, I called the Court and they say it was served to an address that I never resided at? How is this possible?
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of identity theft I have sent in documentation and they removed the item only to have it resubmitted on my report. Now I call the company XXXX XXXX and I stated that that was not my account I have never done business with them and don't even know who they are. Now here is the kicker they said I need to come into a branch!! I said exactly that's what should have happened from the beginning and the is no branch in Pennsylvania so how could I have ever opened an account with you??? where is the documentation or proof that I contracted into business with you EVER!!! so the fact they have zero proof I ever signed up to do business with them that in itself would not stand up in any court in the United States fact.! I need this permanently removed and them to stop causing harm to my creditworthiness
Complaint sub-issue: Transaction was not authorized

U.S. Bank has a written policy that the only person whose name is on the bank signature card can access those funds with proper identification. My concern is that although I sent Consumer Financial Protection Bureau ( CFPB ) a complete outline of the specific issues of my complaint your office did not respond to my correspondence but allowed U.S Bank to investigate themselves and respond to my complaint, as it seems that you did not review the facts of my case. 

I know that the Consumer Financial Protection Bureau ( CFPB ) is under attack in funding by the Trump Administration as I have also been trying to bring this issue to XXXX XXXX that I understand was the author of this federal agency wherein we are working to contact her office and other state and local agencies in California.
Complaint sub-issue: Personal information incorrect

I My XXXX Credit report missed two addresses first lived from XXXX to XXXX and second from XXXX to XXXX, ( and too many many of the same address I had rented for a short period of time a bedroom only for 3 months XXXX XXXX XXXX repeated as my residence ) ... I followed directives sending ID documentation along with a typed printout of my addresses in chronological order to as advised to : XXXX XXXX XXXX XXXX, XXXX TX XXXX that was returned " Return To Sender No Such Number Unable to Forward ''. 

Furthermore, my attempt to generate a credit report via XXXX, I got twice the notification it would not recognize my profile no such information credit report ( my correct SSN, Addresses, Name, DOB were entered ), and unrecognized ... That is a HUGE concern and red flag. 

Please advise if there should be a different address for XXXX I should forward my documentation and request to fix any discrepancies for my credit report.
Complaint sub-issue: Debt is not mine

The debt they are adding to my credit report is my mother 's account. I never agreed to this account the only way they are linking me to it is because I let her use my debit card to pay but I was not the account holder. I have never received any billing or notifications from them just one day the charges appeared on my credit. I have disputed the charges twice. It will get removed then a different credit collections company will add it back on my credit. First it was under Round two credit recovery that was removed and now it was readded back by XXXX. Also the date on it is incorrect the account she made with them is at least 5 years old or older and they are reporting it as if its new.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX   XXXX {$1300.00}
Complaint sub-issue: Problem with personal statement of dispute

I have maintained a 100 % perfect payment record of timely, on time payments for over 7 years with XXXX XXXX XXXX  ( XXXX ), based in Florida. 

In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX. 

During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with XXXX. 

I recently discovered through my credit report monitoring that XXXX destroyed my FICO score and lowered it by almost 140 points by reporting a single late 30 day payment!! 

This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances. 

I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX   victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances. 

I am hopeful that you can rectify this matter with XXXX promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Macy 's does not mail me Monthly statements and i have requested this for the past 5 months. I have not requested paperless nor Email for no statement.