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

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

I had no need of credit so paid no attention to my score for a decade after my college graduation. Start to pay attention to it and see a number of addresses and open delniquent credit accounts in my name on my credit report. I initialize disputes with all 3 major credit bureaus and they were closed without comment.

This year I can not even get my free credit reports. They ask me my information and ask me confirm my identity using my residency history, but the " correct '' answers they have on file are addresses i've never lived at.

Despite being gainfully employed and never having a single line of credit in my life besides student loans which have always been in good standing, my credit is in shambles and i'm unable to secure apartment tenancy, credit cards, autoloans, home financing etc and I seemingly have zero recourse..
Complaint sub-issue: Report provided to employer without your written authorization

The owner of Credit Plus has a familiar relationship with my former employer Credit Plus ran my credit report without my knowledge and without my authorization I placed a phone to Credit Plus seeking employment with them I sent my resume never heard from the company today as I was checking my credit scores I see the company place a hard inquiry on my credit report I never gave this company permission to do this I never even met with anyone from this company they abused their power by running my credit report with my knowledge and or permission this is illegal
Complaint sub-issue: Funds not handled or disbursed as instructed

I RECENTLY OPENED A CHECKING ACCOUNT WITH DISCOVER ON XX/XX/2019. I HAVE BEEN MAKING MINIMAL DONATIONS TO MANY CHARITIES. NOW HAVE, AFTER MY RESEARCH LEARNED 3 OF MY DONATION CHECKS NEVER MADE IT TO THEIR RESPECTIVE DESTINATIONS. I HAVE CONTACTED DISCOVER BANK, FEDERAL BUREAUS, CT DEPARTMENT OF BANKING, WHERE I WAS NOW YANKED TO YOU, THE CFPB. 

THERE WILL NOTBE ANY MORE DONATION CHECKS FROM ME GOING FORWARD UNTIL THE THIEVES, CRIMINALS HAVE BEEN ARRESTED, INCARCERATED. 

CONTACT ME IF YOU REQUIRE MORE INFORMATION USING EMAIL ADDRESS IN THE HEADER. THANK YOU.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 I discovered that XXXX XXXX checked my Equifax credit report without my permission. This was a hard inquiry on my Equifax report. I did not authorize this. I demand that XXXX XXXX remove this from my report immediately.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

I have requested complete proof of the alleged debt several times in the form of a signed and dated contracts in he Form of an Affidavit of Truth and Fact to demonstrate liability of the alleged debt on several occasions to no avail by certified Mail Signed and Dated by an Authorized Notary, Proof of claim over the last 36 months, Discover XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, DE XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I previously submitted a complaint via CFPB towards Equifax in regard to multiple unauthorized inquiries that were showing on my credit report due to fraud/identity theft. See complaint # XXXX. 

Overall, Equifax agreed to delete the fraudulent inquiries and gave their resolution to you that this will be deleted. However, they did not follow through and missed deleting one of the inquiries they said they would delete. 

As of XX/XX/XXXX, the fraudulent inquiry made on XX/XX/XXXX for company " XXXX XXXX '' also known as " XXXX XXXX XXXX '', still remains on my credit report, when it needed to be deleted. 

Equifax was not thorough and somehow missed this one.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act.

These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 

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
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-XXXX  - Balance : {$6200.00} XXXX XXXX-XXXX - Balance : {$450.00} XXXX XXXX-XXXX  - Balance : {$11000.00} XXXX-XXXX-XXXX  - Balance : {$450.00} XXXX XXXX XXXX-XXXX  - Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : TH XXXX XXXX XXXX ) -XXXX - Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX - Balance : {$0.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}
Complaint sub-issue: Account information incorrect

You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXXXXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 
3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt. 
4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 
7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for them.
Complaint sub-issue: Threatened or suggested your credit would be damaged

In XX/XX/XXXX there was a private school loan through XXXX XXXX XXXX.It was sold to PNC bank. Last year I had discovered PNC bank had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. PNC bank hired this debt collector, XXXX XXXX XXXX XXXX- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 PNC accounts in XX/XX/XXXXand XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. XXXX sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are reporting this account however was opened in XX/XX/XXXX. Without letting us  know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that XXXX has double reported these debts and it should be deleted because the current creditor PNC bank has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by PNC bank. We are also working closely with our attorney on these matters.
Complaint sub-issue: Other problem getting your report or credit score

I am in the process of buying a house. Equifax has blocked me from seeing my credit score. Anytime a lender runs my credit they can not see my score or report. I have called Equifax support 54 times all together. They put in cases to fix it but it never happens. I cant buy house and I did nothing wrong except trust Equifax. I even paid money on XXXX to get it to work and It still wont work. I call them everyday and everyday its a new story. First it was I needed to verify my account so I faxed in a copy of my drivers license, social security card, and a letter stating to remove the hold they put on my account. Then they said its a glitch in the system, and they put in a case stating it would take 7-10 days to fix. That was 5 weeks ago. I even wrote to the XXXX XXXX XXXX. And Equifax responses with nonsense and no help at all.
Complaint sub-issue: Information is not mine

I XXXX XXXX have things on my credit report that should not be on there. Certain things have reach there statue of limitations, and other things, where my social security number has been use as fraud. I would like this things taking off my credit card. I never had a mortgage, never bought a home yet.
Complaint sub-issue: Personal information incorrect

I sent letters to dispute the issue on my credit report and credit bureaus did not remove inaccurate information even when I sent in evidence.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE
Complaint sub-issue: Information belongs to someone else

All credit card accounts on my account was opened fraudulently I had no knowledge of the accounts someone is pretending to be me and stole my identity
Complaint sub-issue: Personal information

I have XXXX " Former Addresses '' listed in California that are not mine. I have never been to California nor have I lived at either of these addresses. The XXXX addresses are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Complaint sub-issue: Personal information incorrect

I need the following incorrect addresses removed from my credit report. I do not recognize them. I am looking to start a new job and my information is not right on my file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Account information incorrect

The list of accounts below is reported inaccurate on my Equifax consumer report. 
As mandated in 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX,
Complaint sub-issue: Their investigation did not fix an error on your report

It could be that this creditor just made a mistake because I assure you XXXX XXXX wasnt paid late, its in deferment payments were reduced.. Please verify and delete it from my credit report.. .The error has affected my credit score..CFPB please step up and fix this ASAP
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential financial risk, and, through no fault of their own, forcing those millions to be on high-alert for activity on their credit account for potentially the rest of their lives as their personal identifying information has become public on the undying record of the Internet. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. This puts everyone affected in an even more difficult position than was ever necessary, as we must now be both proactive to prevent damage from the breach of our sensitive information and reactive to fraudulent activity that had free rein to occur in the time that this breach of information was kept secret from us. Furthermore, their response has not inspired faith that they have learned from their mistakes and are making efforts to improve their security, as they flagrantly disregard security best-practices in their attempt to prove that they are taking security concerns seriously : for example, their domain set up specifically as a response to this security breach is a new domain related to the incident -- something that anyone could have registered -- rather than hosting it as a subdomain on their existing Equifax.com domain, which would better indicate legitimacy. By making such a no-brainer mistake right off the bat, Equifax is implying that despite their public statements they privately have no intention to more responsibly handle sensitive information.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, Last year around December I decided to take a look at my credit report and saw that there is a XXXX XXXX XXXX being reported. I requested verification from the credit bureaus and XXXX. When I disputed with the bureaus that the Bankruptcy was not accurate and that I didn't want to be susceptible to identity theft they ( I also sent an affidavit ) they responded that they verified and it was " accurate ''. However, when I received a response from XXXX they said they couldn't verify or find my information, mind you I did include my social security number. So how were the credit bureaus able to verify my information with XXXX?
Complaint sub-issue: Public record information inaccurate

THE ACCOUNT DISPUTE HAS BEEN DISCHARGED AND I AM NO LONGER LIABLE TO THIS ACCOUNT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE.
Complaint sub-issue: Their investigation did not fix an error on your report

LET ME KNOW THE REASON AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX/XXXX XXXX IS STILL REPORTING ON MY CURRENT CREDIT REPORTS. THE ACCOUNT IS FROM 2015 WITH NO BALANCE AND IS REPORTING LATE PAYMENTS OF 90 DAYS. PLEASE TAKE THE TIME TO INFORM ONTO WHY THE ACCOUNT IS STILL ON HERE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING IT, AND NOTHING HAS BEEN DONE ABOUT IT.
Complaint sub-issue: Personal information

My name is XXXX XXXX and i see XXXX which i have never used. I also see an adress on file which its never been mine and i dont know about. XXXX ny thus is an adress i have never had. Need to know whats going o
Complaint sub-issue: Personal information incorrect

Hi, this is XXXX XXXX XXXX XXXX. This my second time contacting your company regarding the correction of my Personal Information on my credit report.
Complaint sub-issue: Information belongs to someone else

My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. 
An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. 
These event has prevented me from getting finance as well as a better jobt to better my life.
Complaint sub-issue: Trouble with how payments are being handled

Hello, I am requesting support reviewing and assessing management of my student loan. I received a loan while receiving my education a XXXX XXXX XXXX University in the late XXXX 's. I then went and got a masters between XXXX and XXXX, where I again received a student loan to complete the work. I received about {$50000.00} in total. I later consolidated my loan in XXXX. I recently reviewed my loan because my repayment was going to start again after COVID deferment. It was at that time that I noticed a disturbing piece of information. I noticed on the Fed Loan Servicing website that I had paid {$15000.00} in interest payments out of {$20000.00} in payments. Only {$5000.00} went towards the balance! I have never been delinquent in payments and never received a notice of action to be taken due to non-payment. On my credit report my payment status report " exceptional '' under Fed Loan Servicing. I have received a one-year deferment over the last 20 years when I was between jobs and not earning. After reviewing my payments on the Fed Loan Servicing website, I have noticed dozens of months where whole payments went to pay interest even though all payments were within the " pay by '' due date. After {$20000.00} in payments, I have seen no reduction in the initial disbursement amount! 
I requested a review by Fed Loan Servicing and received dome documents stipulating the terms of my loan, but no review. I received no explanation as to why the distribution of my payments were the way they are, why dozens of payments have not gone to paying any balance, how I could pay so much interest without ever being recognizably in the arrears, never late on any payments, and never received any information advising that I am managing my loan inappropriately. At this rate I would pay close to {$200000.00} on a {$50000.00} loan. I can not accept that this is correct without an explanation and if it is I would have to find some other way to dissolve this loan because paying 4x the amount of your loan is not feasible or sensible. I would have to consider bankruptcy. I would like to include that my credit is excellent, and I have never had an issue paying my bills. I need help figuring this out. I have called Fed Loan Servicing hundreds of times requesting an explanation, but their staff are unable and just advise having a review done, which I have Every time I call Fed Loan Servicing for support, I have to wait a couple of hours to speak to someone and there Call Queue that is supposed to call back when your turn in line coms up if you leave your phone number, now only hangs up after offering the option. I do not believe that I will get any assistance through Fed Loan Servicing, I will be forced to start paying my loan back without explanation as to why it is managed this way, I will pay an exorbitantly high amount for such a loan and will never achieve remitted status.
Complaint sub-issue: Debt is not yours

I went into XXXX XXXX in XXXX ct. XXXX XXXX XXXX was running a promotion that if you switch your cell provider to them they would pay off remaining balance to your current cellphone provider on all the lines. They sent me the agreed gift card in the mail for switching service to them, but never paid off XXXX outstanding amount. Now it is in collection and being reported as {$300.00} that I owe. They have transferred to XXXX XXXX and to Jefferson Capital systems LLC. They are breaking FACRA and falsely reporting that I owe it and that It is a new debt incurred In XXXX of 2020. I changed carriers and this all took place over 4 years ago. XXXX XXXX XXXX needs to pay XXXX and they need to remove this off of my credit. I only switched to XXXX XXXX XXXX for the promotion that they paid off XXXX and did not due so. I did not go into the mall that day with intentions to switch and then was convinced and lied to and now is ruining my credit.
Complaint sub-issue: Problem getting your free annual credit report

I have requested from Equifax my free annual credit report three times. I did receive my XXXX XXXX and XXXX  reports. However, I need my Equifax report and I even submitted a copy of my drivers license to confirm my address. Please Help!