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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Payment reported lated on XXXX
Complaint sub-issue: Problem getting your free annual credit report

I requested a copy of my current free credit report from Sage Stream, LLC, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX in a letter to them dated and mailed on XX/XX/2019. No response to my request as of today, XX/XX/2019.
Complaint sub-issue: Investigation took more than 30 days

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX 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 XXXX 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 my file at XXXX, Equifax, and XXXX 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX}.
Complaint sub-issue: Reinserted previously deleted info

I have requested a method of validation on an account multiple times since XXXX of 2016 for my account from this debt collector. The account is from the debt collection " XXXX ''. This account has been PAID and agreed to be deleted. It has been deleted from both my XXXX and XXXX reports. Equifax keeps denying me the deletion of this item. I even requested validation and every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. I asked all three credit bureaus to verify with XXXX so that it could be removed from my account due to being paid in full as agreed. I have made multiple attempt through equifax and they ignore all these attempts and do n't verify data. Even though my proof of payment and deletion are there they wont delete this account. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you about this account and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Equifax , XXXX and XXXX over 3 times to do this for me and both XXXX and XXXX agreed. Equifax needs to take care of this.
Complaint sub-issue: Information is not mine

Equifax has all inaccurate information on me and has n't updated my credit file since 2009. I have n't had this problem with either of the other XXXX bureaus. This inaccurate information includes XXXX misspellings of my name, inaccurate creditors, and no updated credit information since 2009. 

I have been denied a car loan, mortgage, and even cable tv. Each time I try to get a free credit report from Equifax it asks me security questions that are not related to me and therefore, they deny my report. When I sent the request via mail they never responded. I 've called XXXX times, but could never get anyone on the phone. The only time I got someone on the phone is after I paid for a credit report ( which I should n't have had to ). This lady was unable to help me nor was her boss. They did not have the authority to fix any of my issues. I sent them via fax my birth certificate, my current FL drivers license, my old AL drivers license, my government XXXX card, and even my passport. Even after sending all of this information the only thing they did was update my name, but left everything else being inaccurate. 

I 'm not sure why I have had all of these problems only with Equifax. The other XXXX are correct.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.
Complaint sub-issue: Personal information incorrect

My name is in misspelled in my Equifax credit report
Complaint sub-issue: Problem getting my free annual report

I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXX old have XXXX and I 've worked my XXXX off for everything I have.What should I do?
Complaint sub-issue: Their investigation did not fix an error on your report

I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the XXXX XXXX requirements including The XXXX XXXX containing 18 fields, which ensures that the information was identified correctly by your bureau, The XXXX XXXX, containing 49 fields, which provides the specific account information for me, XXXX XXXX XXXX, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.
Complaint sub-issue: Reporting company used your report improperly

[ I've disputed account numbers : # XXXX + # XXXX ] With the collections first requesting for validation of the debt and XXXX authorization, and received letters back rejecting my dispute. My next step was to reach out the bureaus which they've also refused to comply with my request in dispute. 

I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 15 U.S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following account : XXXX Balance {$0.00} Opened Date XX/XX/2017. 
XXXX XXXX  XXXX Balance {$0.00} Opened Date XX/XX/2017 2017
Complaint sub-issue: Personal information incorrect

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Complaint sub-issue: Was not notified of investigation status or results

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Their investigation did not fix an error on your report

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items/information from my credit report : Inquiries XXXXXXXX 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 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment 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: Credit inquiries on your report that you don't recognize

I sent a letter to equifax back in XX/XX/XXXX stating that I have unauthorized hard inquiries on my report along with the FTC report. I never heard from anyone. I called twice, once on XX/XX/XXXX and was told that they would remove these inquiries. I called again on XX/XX/XXXX and put in another dispute stating what I have been through with the other reps at equifax and he assured me that these inquiries would be deleted but they are still on my report. I really need help with this.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2022 there were four ( 4 ) transactions from the account I have with Cash App in the amounts of {$3000.00}, {$2000.00}, {$1000.00}, and another {$3000.00}. The transactions were fraudulent and I disputed the transactions on XX/XX/2022. I also disputed the transactions with my bank and my bank stated that Cash App is responsible for the fraudulent claims. Because of this matter I have went to the authorities to have this issue rectified. Law enforcement has instructed me to try to dispute the transactions again. I did dispute the transactions again on XX/XX/2022. Cash App again, denied my claims. I have proof/evidence of my account being used fraudulently, though this matter can not be resolved with my bank until Cash App returns the funds to my Cash App account so that the funds can be given back to my financial institution I'm which the money is owed.
Complaint sub-issue: Need information about your loan balance or loan terms

XXXX XXXX XXXX turned over a loan for collection to the XXXX  XXXX XXXX  XXXX on XX/XX/XXXX that they claim I owe from XX/XX/XXXXin the amount of $XXXX. They have only contacted my mother, the cosigner, via mail for the first time on the first week of XX/XX/XXXX regarding this loan and I have yet to receive any information at all. My mother is still currently making payments on a loan for the exact same amount, also originally owned by XXXX XXXX XXXX, that was turned over for collection to XXXX XXXX XXXX in XX/XX/XXXX. I was made aware of this issue when I checked my credit report and found this loan for $XXXX posted to my report that was opened XX/XX/XXXX. My mother has contacted American Education Services , who I have multiple student loans with ranging in years from XX/XX/XXXX-XX/XX/XXXX when I attended college, She asked them for a promissory note for this loan along with any other information verifying the validity and they keep informing her that they are working on it. She has also contacted XXXX XXXX XXXX via a phone number on the letter and requested the same information to which they responded she will receive it in the mail within thirty days. The letter also stated that she had thirty days to dispute the validity of the claim before they pursued other actions to collect this debt.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCY I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX XXXX XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Account status incorrect

Equifax is KILLING my credit profile and I continue to have to submit these complaints. They just dinged my credit score for 18 points for a payment account being closed that was closed 3 months ago!!!! My XXXX account has been PIF since XX/XX/2018 why are they just now reporting that??? I need some help with this company cause I cant call them and get help please someone! My Constant issue with them is their delayed credit reporting and yet here we are again, I am trying to buy a home and dont need this mishaps right now.
Complaint sub-issue: Personal information incorrect

My Kikoff account was hacked and my email address/login information was changed. They also added a second fake address to my credit report. I contacted the help center but the representative ignored me and never responded when I mentioned someone was committing fraud with my account. The help representative told me I set up the account with an email I've never owned ( XXXX ) this is not my email address and never has been.
Complaint sub-issue: Deposits and withdrawals

Small business ( checking and savings ) ( corporate account ) at Citibank was frozen on XX/XX/19 for XXXX  ( compliance issues ). Account has been open for over 10 years, no court order, or judgment or levy exists. I complied with all forms requested on XX/XX/19 - forms taken directly to a branch ; however as of XX/XX/19 all funds frozen. Auto pay to same bank for credit card payment was returned and {$25.00} charged. Rent, electric and other payments were returned, causing many extra fees and great embarrassment - landlord will no longer take a check for rent - electric company charged extra fees. 
XXXX XXXX, XXXX - corporate account - I am 100 % owner. 
Update - Branch refused cash payment on credit card.
Complaint sub-issue: Received bad information about my loan

Fed Loan Servicing did not tell me about the REPAYE program for over 9 months after its existence, and after I had already submitted renewal forms for another repayment program that they recommended. This cost me {$4100.00} in extra payments. The transfer process ( into the REPAYE program ) was done with errors on their part, costing me {$4000.00}. Fed Loan Servicing says that I " should have known ''
Complaint sub-issue: Reporting company used your report improperly

I NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Complaint sub-issue: Debt was result of identity theft

FTC filed Macy departments account is no obligation of mines and was the result of identity theft. Macy refusal to remove this fraudulent account violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691
Complaint sub-issue: Add-on products and services

I previously had a Discover Card credit card in or around XXXX. During this time, Discover Card offered a free credit monitoring and identity theft monitoring products, which they forcefully marketed to Discover Card holders. I do not recall signing up for these monitoring tools. Then, my credit card account was charged off by Discover Card, and the debt was then sent to an outside collection agency. I paid off the debt in full, directly through the outside collection agency, in or around XXXX.Since the account was charged off in-house by Discover Card, I continue to receive excessive and unrequested e-mails from their credit and identity theft monitoring products, which I have not been able to access or use since my account was charged off ; I have absolutely no use or access to these tools because I am no longer a Discover Card credit card holder. Despite that, Discover Card continues to send me these e-mails that alert me to any new changes to my credit file or any potential identity theft, such as finding my Social Security Number on the Dark Web. There is no link in the e-mail to unsubscribe from these e-mails, and because I am not a Discover Card account holder, I have no possible way to log into my account to edit my e-mail preferences to discontinue these e-mails from Discover Card on their products that only applied to me when I was a customer with them. The e-mails are non-stop and abusive. I am also concerned that Discover Card is knowingly and willingly misusing my personal information through their credit and identity theft monitoring products. There is no reason, whatsoever, that I should continue to receive these e-mails when I have not been a customer in several years, and furthermore, there is no way to unsubscribe for their excessive and abusive marketing e-mails concerning a product I do not have any access to. These e-mails are being sent to both XXXX and XXXX.
Complaint sub-issue: Was not notified of investigation status or results

his is XXXX XXXX complaining about your failure to respond to my request to provide MOV, I sent it on XX/XX/2022 and it has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal action if that's what it takes for you to take this matter seriously.
Complaint sub-issue: Investigation took too long

Equifax has failed to respond to my initial dispute dated XXXX XXXX, 2015. After contacting them a XXXX time on XXXX XXXX, 2015 they also failed to respond.
Complaint sub-issue: Threatened or suggested your credit would be damaged

After viewing the credit report, Enhance Recovery furnished a collection on the credit report which is related to an unfamiliar account. Made several attempts to resolve this matter, however ; no feed-back.
Complaint sub-issue: Public record information inaccurate

The XXXX part of my background check is incomplete. 

The XXXX was dropped to XXXX XXXX and then the XXXX was dropped completely. 

The XXXX XXXX was unfounded, I completed the process they requested of me, so I do not have any XXXX XXXX  on my record. 

I had no problem renewing my US Passport due to no XXXX on my record. 

These two incidents were a matter of being in the wrong place at the wrong time and I should not be punished for this. I am simply trying to get a simple job and I have a college education. Please assist me with this.
Complaint sub-issue: Account status incorrect

I had never been late on my credit report ever. XXXX, Equifax, and XXXX  is reporting late payments from XXXX Credit Card, XXXX XXXX Credit Card and XXXX Credit Card. Also Equifax, XXXX, and XXXX is reporting 2 closed accounts that listed as XXXX XXXX XXXX   Credit Card, and XXXX Credit Card.All these negative remarks are on my credit profile due to the outburst of Coronavirus. I really don't believe it's right for consumers like myself have to pay the price of having his credit destroyed due to natural disaster like Coronavirus.