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

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act 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 a account without my written instructions .Below I am listing all the accounts that I found was to be wrong. 

Account Name : XXXX XXXX Account : # XXXX Each credit bureau is reporting different late payment status as well as the date of last reporting. I have attached my credit report as well as proof of my letters being sent to the credit bureaus and no investigation being done. 

Account Name : XXXX  XXXX Account # XXXX I have asked for this account to be removed because the account is not mine and is someones account affecting my credit score negatively Each credit bureau is reporting different information and XXXX doesnt even show this account belonging to me. 
Account Name : XXXX Account # XXXX Each credit bureau XXXX XXXX different " dates of last active, '' date of last payment, '' and " payment status. '' Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$6100.00} This account is only reporting from XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet experian continues to hold this account on my credit report. 
Account Name : XXXX XXXX XXXX Balance : {$25000.00} This account is only reporting on XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet XXXX now continues to hold this account on my credit report. Account Name : XXXX XXXX XXXX This account has so many inaccuracy from date opened, to balance due, payment status, and date of last active. The credit bureaus did not due an investigation into this account to verify the information is correct.. 
Account XXXX XXXX XXXX XXXX  XXXX Account XXXX This account is only reporting negatively to two credit bureaus which is XXXX and XXXX. Which both these bureaus have different dates of opening as well as when the account was even active.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The paragraph below was emailed to the following listed and had no response. 

XXXX XXXX XXXX XXXX I was notified XX/XX/2018 that Clarity Services Inc. by XXXX had done a hard inquiry on that date causing my credit score to decrease greatly. XX/XX/2018 I called Clarity who told me they were one of the major credit bureaus acquired by XXXX, in which Clarity gained my confidential information through XXXX upon the purchase last year. Clarity gave no explanation as to why they pulled my credit or no further details of what the company 's business was. When calling XXXX right after, the representative and supervisor stated they had no knowledge of Clarity Services Inc., and all they could do was place a fraud alert on my account. Clarity 's continuous inquiries have effected my credit score tremendously and XXXX  ' breach and decieption has put the consumer at risk once again and in my particular case prolonging my ability to purchase my first home. Upon much research I have also been made aware that Clarity is behind many mail and phone scams, by having knowledge of the individuals identity, such as d.o.b., S.S., address, ect., knowledge of the debt a individual owes, and therefore are able to replicate the creditor and request the correct amount. This is a broad serious federal matter and should be investigated by the highest division of authority.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following company did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XXXX XXXX. I demand the deletion of this inquiry from my Equifax report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.
Complaint sub-issue: Problem getting your free annual credit report

I attempted to obtain my free credit report online at XXXX on XXXX. However, apparently I did not answer the identification questions correctly and was informed I had to submit a written request to XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX. This concerned me b/c all of the questions online asked about credit cards or loans ; which I answered not applicable as I just turned XXXX years old on XXXX XXXX, XXXX and have never applied for credit- so I don't understand how I didn't answer the questions correctly. On XXXX I mailed The XXXX XXXX XXXX   Request Form with a cover letter, and selected Equifax as the agency I wanted my credit report from. WITH THE FORM AND COVERLETTER, I submitted a copy of : My WI driver 's license showing my current address, a copy of my passport, a copy of my social security card, and a copy of my CDL permit license to prove my identify and address. In response, Equifax sent me 3 letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting verification of my identify such as a driver 's license and social security card, EVEN THOUGH I SENT COPIES OF THESE ON XXXX WITH MY ORIGINAL REQUEST. I attempted to contact Equifax via telephone on XXXX, at XXXX however, the employee barely understood English and I could not understand her at all due to her inability to speak English. As such, on XX/XX/XXXX I AGAIN submitted ta copy of the original cover dated XXXX with an additional written statement that I had already submitted the identification documents with my original request and insisted to know why they keep asking for documentation that I have already sent. I also sent ANOTHER copy of my drivers license and social security card with the second letter. I am extremely frustrated at this point ; as they refuse to send me a copy of my credit report. I need my credit report to apply for a car lease and I want to verify that no one has stolen my identify and requested credit illegally on my behalf before I apply for the lease. Again, I have never applied for credit. If I have no credit report, then they should just notify me. If needed, I can fax or scan a copy of all correspondence sent to Equifax and received by Equifax at this point.
Complaint sub-issue: Information belongs to someone else

I have a fraudulent account showing on my equifax report from a XXXX XXXX XXXX XXXX. I have never had any account from this company and I have tried working with equifax during the spring of 2018 to get this account cleared to correct my report. This account does not show on any other report of mine besides Equifax. I need this corrected, it is effecting me negatively and i have had issues being able to secure anything that requires my credit. There should not be any first financial account showing on my report because again this is not an account of mine and i did not open any accounts with this company ever.
Complaint sub-issue: Not given enough info to verify debt

I have contacted this company on several occasions to send me validation of the debt for a medical bill, and they have failed to do so of any signature. I have also contacted them to let them know that I never signed any paperwork releasing my medical records. Which is a HIPAA violation. They refused to work with me so I than contacted XXXX to get this debt removed, and sent a certified letter letting XXXX know that this a HIPAA violation because I never signed any paperwork releasing any of my medical information.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2022 I applied for a bank card on line with USBANKS.

I was no longer interested in the USBANK products, after reviewing a large number of consumer ratings. I immediately request USBANK ( via phone call ) TO CANCELL my ( incomplete ) application.

USBANK has failed to honor an applicant request, that resulted in an hard hit inquiry on my credit report.
Complaint sub-issue: Account status incorrect

TIAA bank sold my mortgage to their sub-servicer, XXXX. My credit immediately dropped 15 points from XXXX  and XXXX because it shows my mortgage as closed. I made a complaint with TIAA, all three credit bureaus, and consumer finance. I received a notice of remarks on my credit reports for XXXX and XXXX, but XXXX is the only one that went back to normal ( above XXXX ). Now, XXXX shows my credit dropping 30 points for the mortgage falsley being reported as closed!!! I'm now in a separate credit worthiness bracket!! This is unacceptable for a financial institution. Please correct this incompetence ASAP.
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. 

Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
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. 

Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Complaint sub-issue: Debt is not yours

I am XXXX  that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Nelnet have not remove the late payment that was not correct on my credit report from when I put my student loan in repayment. They gave me 5 late payment for the amount owe on my student loan. Im trying to remove those from my credit file and also negotiate my debt to be paid off.
Complaint sub-issue: Information belongs to someone else

Notice To all, Today, XX/XX/XXXX XXXX, I am providing this complaint pursuant to 15 U.S. Code 1692a ( 3 ) - consumer means any natural person obligated or allegedly obligated to pay any debt.

Also, I am providing this statement pursuant to 15 U.S. Code 1681c ( 2 ) - a consumer reporting agency ( EQUIFAX ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Personal information incorrect

whom it may concern. Inaccurate addresses I never lived at or have no knowledge of are being reported to my credit report due to this concern I am not able to obtain any credit in my name. Due to my lack of acknowledgment for these accounts, I never associated with the account or addresses as stated above. Please remove all other addresses off my report as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 


My current and only address is { XXXX XXXX XXXX }. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Complaint sub-issue: Information belongs to someone else

My information has been compromised as a result of the Equifax security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX and Equifax Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX and Equifax Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
Complaint sub-issue: Account information incorrect

XXXX XXXX there is no balance owed on this account
Complaint sub-issue: Information belongs to someone else

XXXX, equifax and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX, XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm writing to complain about my XXXX Account ( # XXXX ). The issue is credit reporting on loan sequence XXXX & XXXX. On XX/XX/2019, I spoke with XXXX  XXXX. I learned that XXXX XXXX already sent the electronic loan sequences supposedly to each of the bureaus to be reinstated. Today, I learned by speaking with XXXX and XXXX  that the information is still not reinstated on my file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unknown inquiry from the company " XXXX XXXX '' on the date of XX/XX/2019, they have no proof of permissable purpose without a signature.
Complaint sub-issue: Account status incorrect

XXXX XXXX has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to XXXX that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that XXXX took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.
Complaint sub-issue: Their investigation did not fix an error on your report

disputed multiple times about XXXXXXXX XXXX being reported as being late when in fact that account as been settled over 6 yrs ago. called the creditor which is XXXX and they stated that they haven't been reporting any late payments since its been settled. therefore Equifax keeps stating that they have verified the account as accurate when in fact the creditor hasn't been reporting any information to them. 

Called Equifax and relayed what XXXXXXXX XXXX had to say, and the person at Equifax says that I have to pay XXXX a month for a few month for them to remove the negative information.
Complaint sub-issue: Debt is not yours

This account was reported on my credit file XX/XX/2022 The amount is XXXX. 
I have disputed this information, and nothing changed from the disputed. This is not my account. 
Procollect INC. is the company.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting one account twice and not paid this just happen XX/XX/XXXX after disputing the account. I called Equifax to discuss this matter but no one could help me. XXXX XXXX XXXX XXXX is being reported 2 times and the account is paid with only one account. I did not have two accounts with XXXX XXXX XXXX XXXX under that account number. 

XXXX XXXX XXXX XXXX ( both accounts ) Account number XXXX ( both account ) Amount :  XXXX ( both accounts ) but now 2 different opening dates with is not true. 
XX/XX/XXXX date open is correct for this account XXXX XX/XX/XXXX is wrong I opened account XXXX because I moved on this date This information is incorrect and the duplicate accounts is just wrong and this was done to hurt my credit.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

On this date XX/XX/XXXX I contacted the Financial Hardship Dept. of Discover Card, XXXX asking to be enrolled in the Payment Assist. Program because I can no longer afford paying Discover {$97.00} a month, I was denied of the right to have access to the assistance program stating that XXXX does not have such a program and they could only lower the interest to 12.99 % if the account was suspended and I have to disclosed my bank account information and pay them immediately another {$97.00} before the due date of my next monthly bill which is XX/XX/XXXX. Please investigate as I find Discover Card has corrupt business practices and should not deny assistance when a consumer initiates the first step in good will to stay in good standing. Thank you.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv 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