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

In accordance with the Fair Credit Reporting act. The below listedt of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX acct # XXXX has violated my rights XXXX XXXX XXXX acct XXXX XXXX has violated my rights XXXX XXXXXXXX acct # XXXX has violated my rights XXXX XXXX XXXXXXXX acct XXXX XXXX has violated my rights XXXX XXXX XXXX acct # XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1981 section 602 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c, section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has resasonable cause to believe that the information is inaccurate
Complaint sub-issue: Threatened or suggested your credit would be damaged

I keep getting relentless phone calls from what I'm sure is a psuedo collection agency named XXXX. The 2 phone # 's that call the most often are XXXX and XXXX. 
They have been calling my phone every day several times a day for the past few weeks. They started calling my family members as well. Whenever I would answer it would be dead air. When I let it go to XXXX they would never leave a message. When I would block my # and call them back to find out who was playing on my phone I would get a message that the call couldn't be completed as dialed. 

Today, I answered ( XX/XX/19 ) and there was a person on the line named " XXXX ''. 
Yesterday a " Mrs XXXX '' called my sister from the same # 's looking for me. 
" XXXX '' said to identify me she needed to verify my full name, DOB, and SSN, as well as address and proceeded to rattle items off and said that they had a collection for a Citi MC that had been assigned to them for me. Mind you, I have a credit watch set up and I have NO collections, no pending litigation, and have never had a Citi mastercard. 

I was threatened with not only negative credit, but also wage garnishment, and was told I was being sued for breech of contract, and that they were also going to place a lien against my house ... 
I told her they'd better remove my number from their list, stop calling me and my family and that I was reporting them and then hung up. 

These calls are a form of harassment and the CFPB should take action against these companies to the full extent of the law to protect consumers
Complaint sub-issue: Reporting company used your report improperly

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Complaint sub-issue: Information belongs to someone else

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by XXXX law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Enhanced Recovery has reported a deogatory account to my credit report that has also been reported by XXXX XXXX. I have asked both agencies for proof of debt and neither could provide.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus 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 update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

XXXX XXXX IS OVER THE REQUIRED TIME FRAME TO RESPOND TO MY REQUEST. BY LAW ANY ACCOUNT REFERENCE MUST BE DELETED FOR FAILURE TO ADHERE TO THE FCRA LAW. SEE SAID ATTACHMENT FOR VALIDATION OF DELIVERY AND REQUESTED INFORMATION. UNDER THE PENALTY OF PERJURY THE MUST ADHERE TO THE FCRA. 


MAIL XXXX RECEIVED AND SIGNED FOR XX/XX/12
Complaint sub-issue: Information is not mine

I have an inquiries with XXXX XXXX Dealer from 2015 on Equifax credit report that I never applied for, I already fill up the Identity Thief Affidavit and send to all XXXX credits bureaus. I request this information to be update.
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint AGAIN to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$7300.00} ; XXXX  XXXX Balance Owed : {$3000.00} ; XXXX  XXXX Balance Owed : {$1700.00} ; XXXX  XXXX Balance Owed XXXX {$3400.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$210.00}.
Complaint sub-issue: Information belongs to someone else

Please be advised I have been a victim of identity theft. The fraud was committed when the following account ( s ) was/were opened, without my consent and/or knowledge, by persons unknown to me : The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX. acct # XXXX amount {$610.00}
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Old information reappears or never goes away

Equifax did not do what they are expected do. Equifax is knowingly reporting an account that can not be completely validated or verified. 

XXXX XXXX XXXX XXXXs reappear on my credit report without notice. A violation of FCRA rules. 

XXXX XXXX XXXX XXXX was removed and has been reinsurted without a letter of reinsertment. 


Please see attachment
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies XXXX XXXX Equifax, XXXX XXXX and the Creditors ( XXXX XXXX XXXX XXXX ), XXXX XXXX  XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Information belongs to someone else

cra violation sent po report from hpd inaccurate information on credit report no knowledge of accounts
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a fraudulent bankruptcy with all the credit reporting agencies including with the court of Bankruptcy and the public records office of XXXX. The court and XXXX sent me a resolution after a thorough investigation that and confirmed with their records that I have been a victim of identity theft and the fraudulent bankruptcy must delete from all the credit reporting agencies. However, the bankruptcy yet is being reported by none other than the XXXX credit reporting agency falsifying their claims that the bankruptcy is accurate. I have documents that support my claim from the court and the public records office. Yet, XXXX, XXXX, and Equifax refuses to file for a removal of this fraudulent tradeline out of my records and claim the court records are inaccurate or sometimes they claim they are " investigation '' or " disputing '' and when the status of the dispute is checked online, they haven't taken any actions. The mentioned credit bureaus must face immediate disciplinary actions set by the law for filing/reporting inaccurate information on the consumer 's credit report. They have the duties of reporting accurate information and once the data furnisher claims the error and informs them to be removed or informs the consumer that the data furnisher was inaccurate with their reporting. The credit bureau must revise the reports under applicable law of the United States of FCRA Subsection 605 ( B ). This complaint is directed to all the credit bureaus that are neglecting in their duties and ruining consumer 's credit reports which their negligence costs us our financial credibility.
Complaint sub-issue: Was not notified of investigation status or results

I originally started disputing inaccurate items on my credit report on XX/XX/2020 with XXXX, Equifax, and XXXX. I included documentation showing that I was affected by the Equifax Data Breach & a victim of identity theft. When I did not hear back in 30 days, I sent another letter on XX/XX/2020 notifying them that they had failed to uphold my rights as a consumer. To date, I still have not received any correspondence regarding these accounts from the bureaus. It has been 6 months.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

The account in question is XXXX/XXXX Account # XXXX the issue at hand is a late in XX/XX/2020, I was unable to make the payment due to Co-vid. When I was well enough to work I did make the payment immediately.
Complaint sub-issue: Public record

The mortgage and lease auto accounts were paid in full and no longer valid. Last reporting information needs to be reported with comments that these loans were paid as agree upon. 
The Tax Lein is close to XXXX years old and was paid off before it was submitted to collections. The public report needs to be removed from XXXX Credit Bureau immediately. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and all other medical collections were paid in full and should be removed from this credit reporting agency.
Complaint sub-issue: Application denied

On XX/XX/XXXX I tried to reapply for a new credit card due to my old card being cancelled and charged off. I was denied credit and that's unlawful. 

12 CFR 1002.6 - Rules concerning evaluation of applications.

CFR 1002.6 Rules concerning evaluation of applications.

( a ) General rule concerning use of information. Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of Griggs v. Duke Power Co., 401 U.S. 424 ( XXXX ), and Albemarle Paper Co. v. Moody, 422 U.S. 405 ( 1XXXX ), to be applicable to a creditor 's determination of creditworthiness. 

( b ) Specific rules concerning use of information. 

( XXXX ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants.

1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. 

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.
Complaint sub-issue: Problem with statement of dispute

IM not sure if i should make another complaint. but there 's no way of adding info to original complaint. this complaint is about what information equifax investigated on the XXXX XXXX tradelines the last time i disputed them online. EQ makes you pick a certain reason for disputing. when none of the choices were the reason i was disputing. i will upload these pages. so when i wrote in the comments section that i was disputing the payment history and codes and status of the XXXX accounts. i figured they would read that and investigate accordingly. but they didnt they just investigated the choice i made out of the XXXX different reasons to investigate. thats it. that 's why im making another complaint. i already disputed the XXXX XXXX tradelines again. saying in the comments again why i was disputing the same as above. i wanted to make this complaint before they screwed me over again. i believe EQ does this on purpose to make it easier to verify info. they never verified payment history, payment codes, reason for transfer. was due to XXXX discharge. my student loans were forgiven. and they never investigated any of that with XXXX pages of uploads to prove my point. after all that they only looked at the line i checked above. " The results are : We have verified that this item has been reported correctly. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. We have verified that the date closed is reporting correctly. '' thats the response on XXXX accounts. and even that info is incorrect.
Complaint sub-issue: Talked to a third-party about your debt

The US Bank XXXX  XXXX that I have has a vary large balance and is very unwilling to waive late charges and discuss about what a fee of other debits mean on the statement/account. The representative didnt know what those were. Also they denied me to waive the late charge but also failed to offer to waive interest accruing on the account. Also the interest rate is too high. My previous past employer XXXX XXXX has tapped into my personal debt to income ratio and was discussing to my employers to terminate me at the XXXX & XXXX.
Complaint sub-issue: Public record information inaccurate

This is not a duplicate complaint. Please review further. I have sent a letter to investigate 10 inaccurate public records on XX/XX/2021. I have attached the letters to all three credit bureaus. I have not received a response from this letter as of yet and its been over a 30 day period, per FCRA. Please remove immediately.
Complaint sub-issue: Card opened as result of identity theft or fraud

Citbank credit card application filed in my name that I did not apply for. I was noticed XXXX, XXXX  by Citibank, then received an application denial XX/XX/2022. There was a hard inquiry to XXXX filed based on the application on XX/XX/2022. XXXX was notified of this XX/XX/2022.
Complaint sub-issue: Debt was result of identity theft

The account is for, XX/XX/XXXX XXXX company is with XXXX XXXX XXXX XXXX XXXX. The original account is with XXXX XXXX for the total charge of {$1100.00}. However, this account was opened under an individual by the name of XXXX. I believe this individual has victimized myself with a type of identity fraud. The account was opened with four lines with the contract under this individual as prime ownership. However, when the bill was not paid, I managed to have all negative charges pinned to my personal credit. The actions I have taken were mailing a dispute letter to the provider, as well as to the credit bureau itself. My attempts have not been successful and I am still stuck with the debt collection on my credit report. I currently use XXXX as my phone provider, and the debt seems incomprehensible. Thank you.
Complaint sub-issue: Company closed your account

About a year ago, my credit card was maxed out and I proactively reached out to Discover and enrolled in a payment plan. I have since always paid at least the minimum payment due each month without fail. Unbeknownst to me, when I signed up for the plan, Discover 'suspended " my card and disallowed my available credit to change. 

During this 'suspension ' period, I lowered the total balance due from $ XXXX to ~ {$1300.00}. Also unbeknownst to me, Discover has been 'monitoring ' my credit reports and just a few days ago 'made the decision to close ' my account without any warning or deadline to pay the full balance. 

During the beginning of the pandemic, my income decreased significantly, but in the past few months my income has stabized and increased higher than it has ever been. I have reported the increase in pay to Discover and was planning to start making higher monthly payments. 

When I received notice from Discover of their plans to close my account, I immediately called the customer service department and inquired about the reason for the closure. The woman advised me that the decision has already been made and the card is already closed. There is nothing I can do. 

This is the shadiest practice I have ever been dealt from a credit card company. During a time when I reached out for help, they took advantage of me and closed my account without even a warning.
Complaint sub-issue: Keep getting calls about my loan

Nelnet has been harassing me since XX/XX/XXXX. Recently when I told Nelnet over the phone that I was enacting my right for them to only communicate with me via XXXX Mail they began calling my adult son about my account. I am still a student and was on military XXXX from XXXX university.
Complaint sub-issue: Frequent or repeated calls

I INFORMED MACY 'S THAT I AM UNEMPLOYED AND ACTIVELY SEEKING EMPLOYMENT AND DO INTEND ON SETTLING THIS DEBT ASAP. I HAVE ASKED THEM TO DISCONTINUE THEIR REPEATED MULTIPLE CALLS ( AT LEAST 7 TIMES A DAY ). 

MACY 'S STILL PERSIST ON CALLING AT LEAST 3/4 TIMES DAILY. 

I HAVE A PROBLEM WITH XXXX AND AM A SENIOR CITIZEN AND THEIR REPEATED INTENTIONAL HARASSMENT CAUSESGREAT HARM TO MY EMOTIONAL WELLBEING!!!!!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

I was in a 6 month deferment on my student loans, and halfway through the deferment, I started to see late payments being reported on my credit. I worked with FedLoans for 1  year to try and get this corrected, and they would not correct it. They denied that my deferment was effective even though I paperwork to prove that it was. I was granted an economic hardship deferment covering the period in which I was supposed to be paying, according to them. Eventually, even though they admitted I was in deferment, they won't correct my missing payment information. So basically, they were supposed to have me in deferment but on accident did, then they corrected it and made it effective retro-actively.
Complaint sub-issue: Account information incorrect

XXXX2019 my equifx credit score arbritrarily dropped from XXXX to XXXX for no apparenet reason.
Complaint sub-issue: Frequent or repeated calls

IN XXXX XXXX I PURCHASED A SECTIONAL ,65 INCH TV WITH SOUND BAR AND TV STAND BECAUSE OF FINANCIAL ISSUES I DECIDED TO RETURN EVERYTHING BACK .IN XXXX THE FURNITURE GOT PICKED AND I WAS CURRENT WHEN ITEMS GOT RETURNED AS OF THEN I GET AROUND 5 CALLS A DAY FROM DIFFERENT NUMBERS HARRASING ME TO PAY AND THAT IM BEHIND ON PAYMENTS WHEN I HAD ALREADY RETURNED THE PRODUCTS.I WAS TOLD THAT THE FURNITURE WOULD BE SOLD IN AUCTION AND WHATEVER THE BALANCE LEFT OVER WOULD BE MY RESPONSIBILITY TO PAY OFF BUT THEY STILL KEEP CALLING DAILY REQUESTING I PAY THE PAST AMOUNT DUE. I AM AWARE THAT I AM RESPONSIBLE BUT UNTIL I RECIEVE A LETTER SAYING THE BALANCE LEFT OVER I WOULD APPRECIATE ALL THESE CALLS TO STOP
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$3200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.