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

I REPEAT THAT THIS IS NOT A REQUEST FOR VALIDATION/VERIFICATION NOR A DISPUTE. On XX/XX/2022, I the consumer notified the CFPB ( Consumer Financial Protection Bureau ) about XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ), VIOLATING 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to XXXX XXXX XXXX XXXX, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT TO MY CONSUMER REPORT. XXXX XXXX XXXX AGREED IN WRITING THROUGH RESPONDING TO MY CFPB COMPLAINT THAT THEY WILL CEASE COMMUNICATION PURSUANT TO TITLE 15 USC 1692c ( c ) OF THE FDCPA ( Fair Debt Collection Practices Act ) CFPB complaint # XXXX XXXX ) Pursuant to title 15 USC 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( Equifax ) ( XXXX ) and ( XXXX ) are in serious violation also. Equifax, XXXX and XXXX fraudulently furnished account XXXX  XXXX XXXX on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. Here 's other Violation of the FCRA as well : ( 1 ), 15 USC 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 USC 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living are impacted.

( 3 ), 15 USC 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. 
Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand this account ( XXXX XXXX XXXX ) be deleted Immediately or I will file for litigation in accordance with the FCRA and FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n - title 15 USC 1681o ) regarding the continued willful and negligent noncompliance and 15 USC 1692k civil liability section of the FDCPA.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This Credit reporting agency did not follow the guidelines set forth by the FCRA and did not validate thoroughly. Other Agencies have already deleted
Complaint sub-issue: Received bad information about your loan

I submitted a complaint ant it was given Complaint # XXXX. I just received a letter that it was suspected of being submitted by someone else so it was just cancelled. This is especially disheartening in that I submitted this myself and complained to a government agency who just cancelled it without verifying it or looking in to it. If it was suspected of being from someone else, shouldn't that be verified prior to just cancelling it. If CFPB won't take the complaint and the Department of Education Ombudsman won't reply, who I am supposed to go to? 

Please look at this original issue. I believe I have been given terrible advice through the years by both XXXX XXXX and Fed Loan Servicing on my XXXX XXXX XXXX XXXX. I am an XXXX XXXX stationed in XXXX.
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 information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

These account does not belong to me. It was was opened XX/XX/2020. 

Discover Account number unknown. 

XXXX  was made aware over 60 days ago
Complaint sub-issue: Received unwanted marketing or advertising

Equifax was hacked. They have a tool to check if you were included, which is nearly every adult in the US.  Instead of telling you if you were hacked they auto-sign you up for their TrustedID Premier service. So not only is my information insecure, they use this moment of panic to both market to me and continue to perform a bait and switch without my consent. This is disgusting. 

Here is the text of their warning on their website. It says " OR '' but never provides an option to sign up, while never sharing if hacked : Equifax Cybersecurity Incident : To learn more about the cybersecurity incident, including whether your personal information was potentially impacted, or to sign up for complimentary identity theft protection and credit file monitoring, click here And here is the text you are provided when submitting to see if you have been compromised. You are forced to use their service : Your enrollment date for TrustedID Premier is : XXXX/XXXX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process.
Complaint sub-issue: Reporting company used your report improperly

To whom this may concern I asked the credit bureaus to do a verification of everything on my credit report, which they did and they verified with me that everything was accurate. However, I did my own research and found improper inaccuracies on the credit report. After disputing the XXXX  loan account with XXXX  XXXX XXXX starting with account # XXXX, I disputed the information with XXXX, XXXX, and Equifax. I found several inaccuracies even after an FCRA investigation was completed. There are several inaccuracies on the high credit limit, last reported date, and last active date. According to the fair credit reporting act, that I included below, the credit bureaus credit report was not completed accurately and due to this, I want all information associated with this account deleted off of my credit report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C. 1681 section602 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 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Information is not mine

I was a victim of identity theft. Fortunately I caught it early and reported it. I had a fraud alert put on my credit report. The credit card company sent letters saying this was fraud and shut down the accounts. I filed a dispute with Equifax and the response i got back was the inquiries were " factual ''. Their dispute process is horrible, if its a dispute does anyone look at it? They just send you a form letter.
Complaint sub-issue: Problem with personal statement of dispute

I have submitted several disputes online and over the phone with Equifax regarding a hard inquiry on my credit report. All cases have been closed advising it is correct and will remain on my report for 2 years. This hard inquiry was applied by XXXX XXXX XXXX XXXX XX/XX/XXXX. I have not applied for a credit card for XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX, first spoke to XXXX and was advised he could not locate an application to match my personal information including my SSN. I was then transferred to XXXX and was again advised there was no application or credit card opened under XXXX XXXX XXXX. I have asked XXXX XXXX XXXX  to provide me something in writing to confirm I did not apply for this card since Equifax keeps confirming I am responsible for this inquiry. I would like this removed from my credit as it dropped my score significantly after this inquiry was reported.
Complaint sub-issue: Account information incorrect

This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. 

I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Complaint sub-issue: Information is missing that should be on the report

Equifax is reporting inaccurate and incomplete information on my credit report and it is damaging me in multiple ways in life, Alleged charged off Account XXXX is inaccurate for the reason The consumer reporting agency Failed to furnish the date of last activity and the date this alleged charged-off account was closed as requested. Date of last payment not furnished. This Consumer reporting agency is in violation of USC Title 15 1681B " Accuracy of report '' For failing to ensure maximum possible accuracy before furnishing this incomplete information on this credit report related to me. Equifax is also in violation of USC Title 15 1681i 5 1-2 " treatment of inaccurate or unverifiable information ''.
Complaint sub-issue: Reporting company used your report improperly

In Accordance to the Fair Credit Reporting Act 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 There are Hard inquiries unauthorized by me on my consumer report.

i attached document
Complaint sub-issue: Problem with statement of dispute

I contacted Equifax on XX/XX/2016 ; to dispute the account, and as of today, XX/XX/2016 ; I have not received a response.
Complaint sub-issue: Account information incorrect

I paid off my entire balance of {$310.00} with XXXX XXXX XXXX. The last payment I made was for the amount of {$1.00} on XX/XX/2020. However, Equifax has yet to update my balance to {$0.00}. It is now XX/XX/2020. I have called Equifax and they have not updated my credit report to reflect the {$0.00} balance. Equifax had me to dispute which I have done and the disputes always come back as my creditor reporting that everything is accurate. I have never skipped/missed a payment nor have I ever been late with any of my payments nor with any creditors. Furthermore, both XXXX  and XXXX  both have timely updated my credit report to reflect the {$0.00} balance and other on time payments made with other creditors. As a result of of Equifax 's actions my credit score has resulted in a minute increase to my credit score. Equifax also told me to contact my credit, XXXX XXXX XXXX, which I did. I was told by XXXX XXXX XXXX  that my balance indeed shows that {$0.00} and the entire balance was paid in full. I was also told by XXXX XXXX XXXX that they are not sure why Equifax is not updating consumers updated balances. In addition, XXXX XXXX XXXX stated to me that I wasn't the only one complaining and that other customers of theirs were also complaining to them about Equifax. XXXX XXXX XXXX  said that the only advice that he could give me was to give it some time. However, Equifax has not reported any further monthly on time payments with XXXX XXXX XXXX. I have made on time monthly payments continually. ( I last contacted XXXX XXXX XXXX  concerning my complaint with Equifax on Thursday, XX/XX/2020. I also contacted by phone Equifax on XX/XX/2020 concerning my complaint/ balance issue. I also informed them that I have since done disputes on their website with them to no avail. Equifax asked me to submit a copy of my license and social security card again to them. I refused due to me answering all of their security questions correctly and identifying myself with correctly with my most personal information. Not only that, I also already submitted this information to them previously by fax. I should not have to keep doing that. I personally feel as though I am having to prove who I am by disclosing my person information over and over. It is not fair for me to jump through hoops for them because they refuse to take care of what they should take care of on their end. All they need to do is that simply update my balance to {$0.00} and increase my credit score as they should have done. It is not right and they are clearly are in violation. Their practices not only affect me in a negative light with other potential creditors but also affect customers who expect them to be ethical in their practices. Thank you and have a great day. Take care.
Complaint sub-issue: Account information incorrect

Hello CFPB. Can you please forward the following documents to Bloomingdale. Thank you!
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Account information incorrect

On about XXXX 2022 I filed a dispute of inaccurate information under section 608 -612 of the FCA . On or around completion XX/XX/2022. I received an email from XXXX, Equifax and XXXX XXXX stating that information was added and staying on my report without it accurate information according to the FCA section 608 as well as adding deleted information that has also not been required by the FCA I am writing this report because I feel multiple things on my credit report is incorrect and has not been thoroughly investigated.
Complaint sub-issue: Attempted to collect wrong amount

I have disputed information with all three credit bureaus several times about student loans and credit card debt as well as automotive debt that is on my credit report that is not mines.
Complaint sub-issue: Information belongs to someone else

I HAVE REQUESTED FROM EQUIFAX ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX, XXXX, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the lender, XXXX XXXX & credit bureau, Equifax. XXXX XXXX send me a letter onXX/XX/2020 stating they will remove the hard inquiry. As in XX/XX/2021, XXXX XXXX or Equifax have yet to remove a fraudulent hard inquiry on my credit report known as XXXX dated XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

N accordance with the fair credit reporting act XXXX account # XXXX / XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been writing all three credit bureaus since XX/XX/2021 and they have yet to update and correct my credit profile. I am aware that the credit bureaus purchase their public information from XXXX XXXX and XXXX. I contacted the U.S. Bankruptcy Court and I have attached a copy of the letter stating that they do not report to any reporting bureaus. If this is the case this is a violation of 611 ( a ) ( 1 ) ( A ) in which I have constantly asked each bureau to validate the information and send me copies with my signature. Each time they update the report stating that it remains the same and the information from the US Courts are overlooked and omitted. In absence of my signature to verify the information they have on my public records I asked for them to delete it from the credit file you maintain under my Social Security number. Additionally, credit bureaus DO NOT LIST XXXX XXXX AS THEIR INFORMATION PROVIDER WHICH IS A VIOLATION OF FCRA TO REPORT FALSE INFORMATION.
Complaint sub-issue: Public record information inaccurate

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Complaint sub-issue: Reporting company used your report improperly

Department of education/Nelnet has reported information to the credit bureaus without my written consent. No consent is identity theft.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is reporting inaccurate information to Equifax. I contacted them and they claim Equifax has all information, and has to remove the item. I explained that it was already taken cared of by XXXX XXXX and XXXX, but still showing on Equifax. Equifax online dispute site has been down and no one helps. This account is a very old account paid in full. Please remove this account from my credit report. This account is paid in full. Contact XXXX XXXX in XXXX IL. If you need verification..,, thanks
Complaint sub-issue: Their investigation did not fix an error on your report

IN REGARDS TO : EQUIFAX XXXX. XXXX XXXX XXXX GA XXXX I HAVE DISPUTED NUMEROUS TIMES WITH EQUIFAX ABOUT THIS FRAUDULENT ADDRESS THAT DOESNT BELONG TO ME. THIS SAME ADDRESS COTINUES TO REAPPEAR ONLY ON MY EQUIFAX CREDIT FILE AND I DON'T KNOW WHY WHEN I HAVE NEVER STAYED NOR RESIDED AT THIS RESIDENCE OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I HAVE CALLED INTO EQUIFAX TO HAVE THE FRAUDULENT ADDRESS REMOVED AS WELL AS THIS WILL BE MY SECOND COMPLAINT WITH THE CFPB ABOUT EQUIFAX ALLOWING FICITIOUS INFORMATION TO BE PUT ON CONSUMERS FILES. THEY HAVE REMOVED IT THE ADDRESS AND THEN IT REAPPEARS. I HAVE LIVED IN THE SAME HOME ALL MY LIFE. NOT A FREAKING APARTMENT COMPLEX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My name is XXXX XXXX and I am a victim of credit card fraud by a person and by the citibank credit card company as well. I worked at XXXX full time during the hours that I believe my phone along with my credit card was stolen from my locker and used. I worked at XXXX during this time from the hours of XXXX XXXX  - XXXX XXXXXXXX ( Monday-Friday ) for about 2 months starting from XX/XX/2018 - XX/XX/XXXX or so. I WAS WORKING from XXXX - XXXX XXXX  on this friday XX/XX/2018. At XXXX A person used my phone at an XXXX XXXX   in XXXX XXXX to call my credit card company and FAILED my security word which is XXXX. the credit card company then issued a text and the person verified it was me. Im not sure why they didnt verifiy me based off the favorite snack word. and if a person failed it then they should have NEVER been allowed to use my card. Bear in mind it takes about 1 hour to drive from XXXX to XXXX XXXX and 1 hour to drive back and I did NOT leave work that day during the time of XXXX I took a 15 min break with many of the employees at the XXXX XXXX. In addition to this when I finished my work shift at XXXX XXXX I noticed my phone moved from my locker and my wallet felt lighter. I looked online and saw the charge for 12000+ dollars at an XXXX XXXX I HAVE NEVER BEEN TO AN XXXX XXXX IN MY LIFETIME. and I own an android phone. I called XX/XX/2018 at  a later time maybe around XXXX XXXX and used the correct security word ( XXXX ) to verify it was me and explained it was not me who used the card. Lastly for some strange reason the credit card investigators are saying that they verified my voice to the fraudsters voice I guarantee you thats IMPOSSIBLE please look into this investigation Citibank credit card company is a total fraud and I want my money back and I will NEVER pay this debt.
Complaint sub-issue: Didn't receive enough information to verify debt

I had XXXX  and when covid first hit we were no longer working so I disconnected my service to get the free service for low income since I was on public assistance because it was the height of the pandemic where thousands were dying a day there was no way to return equipment every the was closed and the rep that closed my account said there is nothing that can be done and that my account balance would be XXXX. Since then I've had 4 different collection agencies including the most recent that put the XXXX back on my credit reports each time it has been put on I dispute it the XXXX agencies remove it and then it passes to a new collection agencies it feels like a scam and the current one XXXX XXXX XXXX never contacted me no notice or phone calls nothing at all and less than six weeks ago it was a different collection agency I spoke with them exploit the situation and she claimed to dispute it on her end I never heard anything else from XX/XX/21 when we spoke and when I checked my credit since I was planning on moving I see that it bas now changed hands again and its this agency now I can't even move my credit is ruined and they have been doing this to me through I the entire pandemic even when I contracted XXXX  and felt like I was XXXX I had to stop and dispute this while shivering with XXXX XXXX I would really like this to stop please make these people stop doing this too me my life was destroyed by contracting XXXX losing my job and now my credit is completely ruined because I never owe anyone no matter what I was going through financially I even took loans out that I'm still paying back now to survive and make sure I pay all my bills on time