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

On or around XXXX/XXXX/XXXX my personal information and credit history was released to unauthorized unkown persons due to negligent security by Equifax. As a result, I am now at risk for fraud. I have contacted Equifax to determine if any immediate fraud has been committed and was unable to receive an electronic credit report due to unexplained circumstances. I have begun the process of requesting my credit report in writing from Equifax.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you regarding some items on my credit that are not mine. I'm really trying to purchase a family home and this has been holding me up as I didnt know how to approach it at first. I have contacted the FTC and the police here. Please have these items removed from my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX XXXX  {$4500.00} XXXX XXXX XXXX {$2400.00} not mine, no knowledge of accounts hippa violations
Complaint sub-issue: Account information incorrect

XXXX XXXX, XXXX To : XXXX XXXX XXXX XXXX, Account number : XXXX Ive been approved for two payment extensions for my XXXX XXXX XXXX beginning XXXX XXXX. Since then I have signed the agreement and mail it out to the address on the agreement XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. I Waited a week and contacted XXXX about the status of the extension since I didnt see it reflected on my XXXX account. A representative stated that they didnt receive the agreement that I mailed in so I refaxed the agreement again. Call again and another representative stated that the fax wasnt received and the extension had expired. They emailed me out a new extension agreement on XXXX/XXXX/XXXX. I continued to faxed the agreement several times to the number ( XXXX ) XXXX, Spoke to several representatives all of them gave me the same response, stating they never received the fax so I spoke to a supervisor and she advise me to fax it again and they would honor the last two extensions. Since then I have fax it total of 10 times it was costly and time consuming at best. This has cause severe damage to my credit rating and credit report. It has caused a string of late payments to my credit report. I am asking for those late payments to be adjusted due to the extensions that werent honored from XXXX XXXX the negative marks from XXXX on are incorrect
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent certified letters, documents, made contiounous phone calls in reqards to unathorized inquiries and a collection account that i have requested verification of and have no knowledge of and still havent got items removed yet
Complaint sub-issue: Account status incorrect

My debt with XXXX XXXX XXXX should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the 2018 bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX. 

I have made several attempts to resolve this issue by sending letters by XXXX XXXX to XXXX XXXX XXXX and letters to all three credit bureaus.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX FL XXXX Balance - XXXX XXXX Balance {$2100.00} XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX - If you feel there is a possibility these ITEMS XXXX to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Problem getting a working replacement card

I had lost my wallet back in XX/XX/XXXX. I called for a replacement card from Citibank. My bill was due and I was locked out of my online account. I could not activate my account until I received the new card ( I was told this by customer service ). A month now goes by, and I still have not received a card. Now I am aware my bill is now passed due. I called customer service again. They again " sent '' out a card. 

As of today, XX/XX/XXXX. I still have not received a new card and am now in collections because I have no way of accessing my account. This is damaging my credit score.  Oddly enough, Citibank easily sent me a collections notice, but no card. This is now 5 months without a credit card!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX appears on credit report as debit owed. Im not aware of this account and reported as a fraudulent account. I contacted the company who could not verify my SS # stating they don't know it. Contacted Eqifax who clams it was verified. How can Equifax claim I was verified when the company don't know my SS #. They only have a name and address and DOB that was breached When I called Equifax they took me through a process to verify me and said I was off by a balance and refuse to give me information. Equifax then informed me that mt FTC report was invalid because I did'nt have the exact dates of the inquiries. I was advised mt FTC report needed to be updated and it would be removed within 4 days, Nevertheless they still continue to report this false information on my credit report. This information was told to me by Equifax XXXX XXXX id number XXXX
Complaint sub-issue: Old information reappears or never goes away

I applied for XXXX. Had my background check Done by your company. And the incorrect information seem to not have Uploaded on your side .I was just wondering why when at the same time I had applied for XXXX, And was accepted .The company checkr, I believe did not get an updated version of my background check.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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: Public record information inaccurate

I have submitted my request to have 3 separate bankruptcies removed from my credit report in XXXX, XXXX, and also XXXX. Equifax informed me that they were unable to verify my identity. I sent over copies of my id, ssn, and proof of address several different times. I have the certified receipt showing that it was delivered XX/XX/2020 with a tracking number of XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE THE TIME OR THE MONEY TO KEEP SENDING ITEMS CERTIFIED JUST FOR EQUIFAX TO SAY THEY DID NOT RECEIVE IT. I also sent them copies from their own 3rd party verification department which is XXXX showing they have deleted the bankruptcies from my report, yet Equifax is refusing to remove them and it's causing me issues with me purchasing my home. I don't understand what the issue is. It is against the law to report un-factual information but yet it's still being reported due to them being paid to report. Equifax has already been sued in a class action lawsuit. I am requesting that it get deleted from my report immediately or i will sue Equifax. CFPB is suppose to assist consumers with things like this but yet this is my 5th complaint and nothing is getting done. 
Desired Results : REMOVE THE BANKRUPTCIES FROM MY REPORT Why : It is not verifiable and their 3rd party verification department XXXX XXXX has already deleted it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  Account XXXX XXXX ACCOUNT NUMBER # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

ATTN : XXXX XXXX CEO of KIKOFF LENDING , LLC has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by KIKOFF LENDING , LLC before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or KIKOFF LENDING , LLC to furnish any late payments to my consumer report. It is my belief that due to KIKOFF LENDING , LLC business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Complaint sub-issue: Account information incorrect

This is in regard to collection listed XXXX XXXX XXXX for {$230.00} on XX/XX/XXXX XXXX. First time appearing on my credit report. 

XXXX XXXX membership and access to the fitness club were closed during Covid. I was paying mo! monthly membership but could not access the club. I contacted XXXX XXXX several times to cancel my membership and it was not processed. Gyms have been closed for about 9 months and now they are opened with one having to wear a mask during a workout. 

I called 2 times to this collection agency ( first on XX/XX/XXXX and then on XX/XX/XXXX ) to ask them to call me regarding that I cancel the membership and it was not processed. No one called me back. Called today and left a message. I also called XXXX XXXX today XX/XX/XXXX and they said they noted that my membership was not processed. The gym was closed and for a while, I was still paying for a service that I was not able to access. XXXX XXXX should reimburse me. I am requesting that this collection amount be taken off of my credit report.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Complaint sub-issue: Problem with customer service

Calls to MOHELA can not be completed as dialed. There is no way to reach a customer service representative
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has the same entry listed twice for a debt in 2015 with XXXX XXXX XXXX XXXX, I have tried several times to get the duplicate removed, and also for them to supply the correct dates on this account. For some reason the date is never correct and the account is showing up twice on my report. 

XXXX  account has also been changed to the current date. I have been trying to get these companies to supply the correct information since XXXX of last year and who ever is supplying the information continues to change it to fraudulent status 's and doubling the entries. This is harassment. 

As you can see from the attached letter the company XXXX XXXX XXXX XXXX never supplied this information to either company. 

Either remove the entries or get the dates correct this is harassment.
Complaint sub-issue: Their investigation did not fix an error on your report

I pulled up my credit report from all three credit bureaus, XXXX, Equifax and XXXX, and noticed there was a listing of Chapter 7 Bankruptcy filing on XX/XX/XXXX on my report, the furnisher is the U.S. Bankruptcy Court. 

I wrote a letter to the XXXX Federal Court on XX/XX/XXXX requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XX/XX/XXXX to XX/XX/XXXX to XXXX, Equifax and XXXX on the bankruptcy and they all responded back by saying the information was verified.
Complaint sub-issue: Can't close your account

Citi has repeatedly shut off my card even after verifying my identity with them. I have now tried to cancel the account, and they are refusing to do so, claiming that they sent a letter to my house which has a " code '' in it, even though no letter has arrived. I have given them my security words, let them send text messages to my phone, logged in through the website, talked to chat agents, talked to at least five phone agents, and I am still unable to cancel my account. I think, at this point, it's just fraud.
Complaint sub-issue: Account information incorrect

I had purchased a home back in XXXX XXXX and XXXX XXXX XXXX had approved the first mortgage. I wanted to make changes around the home and decided to apply for a HELOC and was approved for the equity line. I had paid my payments on time until circumstances beyond my control left me in a financial bind. I struggled to keep my payments current and finally I was unable to keep up with all obligations. With the housing development that took place I was upside down on my property. I spoke with an attorney who explained I could short sale the house and though it was going to still be a negative reporting situation it would n't be a foreclosure and the bank would still recoup some of their funds. I gave Power of Attorney to my Attorney to handle the confusing process. XXXX XXXX XXXX XXXXid agree to the short sale but then I was informed the 2nd mortgage had to remove it 's 2nd lien to be able to do so. There was an agreement made with XXXX XXXX to remove the lien but that we would still pay them which we have. In the process of having this drawn up XXXX XXXX XXXX transferred the mortgage to XXXXXXXX XXXX. My attorney had tried to complete the short sale but XXXX would not communicate with our attorney. 
We had moved from the home and were over an hour away from the property. We were never notified that the house was being foreclosed on. My wife had driven by the house to try and complete the clearing of our items when she saw there was a notice pinned on the door indicating the house foreclosed. We spoke to the attorney and he said they did not reach out to him nor us and at no time did they try to communicate with us. 
I have tried to get information from XXXX and they still will not respond. I have disputed this with the bureaus and the bureaus have been no help. The way this unfolded was underhanded when we were only trying to do the right thing. 
I have requested records from XXXX payment history etc, and they will not respond.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Omega was sent an account for collections from XXXX XXXX for {$200.00} which was fraud. I wrote a letter to XXXX XXXX on XX/XX/17 stating they no longer have athz to withdrawal from my account. That same day they tried to withdrawal {$200.00} ( 2 weeks worth of services for the future ). Omega sent me statements which i explained to them if they look that there was a weekly payment XX/XX/17 that cleared around {$100.00} for that week of services. I took the copy of the letter to the bank when they charged my account. My bank saw it as fraud and returned the payment as NSF, which now Omega has been hired to collect. Omega has also sent me 5 other peoples personal debt information, balance, account numbers with omega, which i have proof of. They have also reported to my credit report instead of disputing this. on XX/XX/17 I requested a no cease and desist and they would not honor a verbal c & d. I do have the recording from the conversation with the rep at Omega. Will be also filling AG and CFBP complaint on XXXX XXXX. I was contacted by XXXX and also the state that was doing an investigation against XXXX XXXX so they did not uphold their end of the contract of care they would provide for my daughter, but want the 2 week notice amount and tried to with drawl the amount when they were told they do n't have athz from my account. All Omega did is get a validation of debt, however I have disputed the way the charge came to place and I did not recieve the services. Then for the rep to say she will not honor a verbal cease and Desist. I do still have mail that Omega RMS sent to me with 5 other peoples letters, that have their account numbers, balances owed and also personal information. I know this is against regulations also. The company is well aware of this as I have informed a supervisor that I have them. I still have a copy of the letter that was given to creative kids and was shown to the bank and reason why they reversed the payment.
Complaint sub-issue: Reporting company used your report improperly

cfpb Reference number XXXX Equfax the consumer reporting agency can not furnish my permission of written instruction According to the provision of the Fair Credit Reporting Act 61 1 ( a ) [ 15 USC 1681i ( a ) ], these items must be deleted from my credit report within 30 days. In the interim
Complaint sub-issue: Was not notified of investigation status or results

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX XXXX balance {$0.00} account # XXXX 30 days late in XXXX XXXX, 60 days late in XX/XX/2021, and 30 days late in XX/XX/2021.
Complaint sub-issue: Problem with statement of dispute

Equifax : ( While trying to make an inquiry ) With every choice of a menu item, they seem to add a delay ; so, it takes a lot of time to correct a false credit report item. Also, in the middle of my effort ( after a large investment in time ), the process was ended by Eqifax with a message : " SYSTEM CURRENTLY UNAVAILABLE '' We are unable to process your request '' " Please try again later ... '' and they suggest going to their email inquiry process. ( and starting over ). 
This is n't the first time they used this tactic. It worked on me the first time ; but, I 've resolved to complete it. 
Also, although I 'm going to see if there 's a specific page within your site where I should report this, I was surprised to see an inquiry from Vivint on my credit report. I did not knowingly authorize this. It 's a concern since my score has decreased by XXXX % in 6 weeks. I 've authorized XXXX or XXXX inquiries and would n't have expected this. There have been no other net changes to other credit report items.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX   was reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
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 XXXX XXXX  # XXXX has violated my rights XXXXXXXX XXXX # XXXX has violated my rights XXXX  XXXX bankruptcy discharged has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Sections 602 A States I have the rights to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Complaint sub-issue: Information is not mine

For more than XXXX years I have been disputing derogatory and fraudulent information on my credit reports. 
Equifax is causing havoc and inaccurate information to the public. I look to your help to resolving this matter. Since 2012 I have been disputing fraudulent information from XXXX XXXX XXXX to Equifax from my credit report. 
I have spoken with employees from XXXX XXXX XXXX and Equifax and there refusal to remove harmful credit information. I seek you assistance and information to resolving this matter. 
Thank you, XXXX XXXX