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

In accordance with the Fair Credit Reporting Act, Dept of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX AND 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

XXXX  reported an at fault accident to Lexis Nexis. And that made my car insurance go up, and now I have 4 points on my mvr. I sent information to them XX/XX/2020 and still havent heard anything back from them. I continue to call them but Im told they have nothing to do with that. And when I call Lexis Nexis they are telling me that they cant do anything about it because XXXX  reported it. I sent in police documents from the accident in question. And I even asked them about information on the accident that they reported. And of course I received nothing. And nobody can tell me anything. In the report they can see I wasnt involved in the accident at all. My car was but me physically.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to dispute the following information in my file. There's an unauthorized credit inquiry made by XXXX XXXX XXXX on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purpose. As such, it is a very serious error in reporting. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act, section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify this validity.

If you find that I was not one who authorized this inquiry, I ask that it be removed IMMEDIATELY from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, them please send me proof of this. Your immediate attention to this matter is appreciated!
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX allowed someone to access my credit reports with Equifax and XXXX earlier this year. I never authorized it and have no idea who they gave my personal information to. Now I 've had identity thieves steal credit cards and insert addresses into my report so they can use my accounts history for their own gain. <P/>It is likely that XXXX is the source that has allowed these criminals to act using my credentials. <P/>XXXX called me about the fraud and said they would remove the inquiries from both credit reports. They never did. I asked XXXX and they confirmed, so they removed them quickly. Equifax failed to properly investigate my dispute and it remains, hurting my credit score. <P/>I 'm angered that XXXX is so cavalier about endangering my critical financial information and that it ca n't even be bothered to remove the inquiry from my reports.
Complaint sub-issue: Investigation took more than 30 days

Equifax has been ignoring my formal dispute letters for over 92 days now. I sent them all these letters via USPS certified mail green receipt return. I have implored them to investigate several inaccurate accounts which are negatively affecting my credit report and reputation. However, they continue to blatantly violate the Fair Credit Reporting Act ( FCRA ) by not responding to my past letters, not investigating, and not taking any actions in accordance with federal laws. Attached below is the most recent letter I sent them which they are in receipt of and have once again failed to act on in over 30 days as the FCRA outlines. At this point in time unless they delete these inaccurate accounts immediately, with the help of my local State Attorney general I will engage in litigation against them.
Complaint sub-issue: Information is missing that should be on the report

MY XXXX XXXX WAS TRANSFERRED ON XXXX XXXX 2022. TO XXXX XXXX XXXX XXXX. THE CORRESPONDENCE ADDRESS IS PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. THE PHONE NUMBER IS XXXX. 
IN MY CREDIT REPORT IT SHOWS I HAVE A BALANCE OF XXXX  I DISPUTE THIS. MY BALANCE IS XXXX XXXX. WHEN XXXX WAS TRANSFERRED TO THE PXXXX XXXX XXXX XXXX MY BALANCE WAS XXXX. SOMEONE SHOULD HAVE UPDATED THE TRANSFER AND BALANCE IN XXXX AS OF NOW, MY BALANCE IS XXXXXXXX XXXX. THERE IS NO REASON XXXX TRANSFERRED ACCOUNT SHOULD SHOW A XXXX  BALANCE IN MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX SHOULD UPDATE THIS INFORMATION IN MY CREDIT REPORT.
Complaint sub-issue: Information belongs to someone else

inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX XXXX   XXXX -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #? 
-XXXX  XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- AFNI ( ORIGINAL CREDITOR IS XXXX XXXX AMOUNT {$850.00} -ACCOUNT #?
Complaint sub-issue: Investigation took more than 30 days

Ive filed a dispute regarding the results on my credit report it has been well over 30 days.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update these following accounts : XXXX XXXX Balance Owed : {$350000.00} ; XXXX  XXXX Balance Owed : {$1200.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$25000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ;
Complaint sub-issue: Public record information inaccurate

I received your correspondence on this alleged account stating your ( verified/ updated ) this account which is a violation. Bankruptcy court doesnt even give consent to third parties to collect my information I have contacted them personally and gotten multiple written documents from the court to support my cause. I asked that you remove all inaccurate bankruptcy information if you chose to play with me It will result in multiple fines under the law. 

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Complaint sub-issue: Account status incorrect

I was thrown into collections after I called to make a payment. I was scolleded by the customer service representative for being late. I told her why do you think I'm calling to make a payment and why is she scolding me for lateness when I'm attempting to make a payment. So she did not like I was assertive in expressing to her she doesn't have to try making me feel bad and I don't need a lecture. I felt that after my conversation she was going to throw me in collections and I was correct. Due to this aggressive employee who had the power to report for any reason she did. Because of her taking the power to feel as if she's calling the shots I was reported. She is the reason why my credit report is negative. I suffer from XXXXXXXX XXXX XXXX I have not had the XXXX XXXX to address this problem because I'm so XXXX I ignore. She has caused me stress and a bad negative reference that you still reporting to this day. If it had not heen for a XXXX I would have continued payments. Stop reporting me you did damage already. I'm tired of unprofessional XXXX.
Complaint sub-issue: Reporting company used your report improperly

n 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
Complaint sub-issue: Threatened or suggested your credit would be damaged

I do not accept responsibility for ANY debt and I do not acknowledge any debt being collected by ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX. 

Now, I received a phone call out of the blue from this company ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX asking for a person with a similar name XXXX XXXX. I indicated that they had the wrong person as I am XXXX XXXX and made a point to call them back and demand that they cease calling my number ( I do have the call log if the CFPB wishes to see it ), again telling them THEY HAVE THE WRONG PERSON. The Collection Agent just hung up without acknowledging the mistake. 
Now I am getting mail sent to my home from the same company which I opened by mistake due to the similarity in name. I recognized the name of the collections company ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, now sending demands to my home. Again ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX is sending collection attempts TO A PERSON WITH A DIFFERENT NAME and violated my privacy by locating my address ( NOT LISTED ) in its attempts to collect a debt. The Collections company has been illegally infiltrating my credit and using illicit tactics to obtain my address in its attempt to collect from a person with a similar name of its debtor. 

This complaint to the CFPB is being done on record to exhaust all avenues of consumer protection prior to legal action against this collection agency for harassment, mental abuse and privacy violations. I will not be harassed and I will fight back. I realize the nature of collections work must be tiring and endless. And I see how it is easy to attack the wrong person when you cast a net so wide. However, That being said I am not going to permit a collector to ruin my name when they were told all they needed to know from day one NOT THE RIGHT PERSON. What gives them the right to invade my privacy and continue to harass me? I do not need to explain my personal business with any collector and they have no justification for this harassment. 

Let this complaint serve as notice to ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX is attempting to collect a debt from the WRONG PERSON. From this day forward they are to make NO CONTACT with me at all. No calls, no letters, no contact with friends or relatives. They are not to abuse my privacy by illicit credit report invasions or checks on my good name. Any further attacks from ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX will be met with swift legal action. Do n't try me.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXXXXXXTOTAL CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IN USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

On XX/XX/XXXX, the XXXX XXXX XXXX ( XXXX ) repossessed my vehicle, XXXX XXXX XXXX VIN # XXXX from my residence. XXXX 's manner of repossessing the vehicle is illegal in the State of XXXX. XXXX did not notify me by certified or registered mail of a right to cure and repossession which did not give me the rights to challenge the repossession.
Complaint sub-issue: Was not notified of investigation status or results

I

want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I bought two NEW keyboards from a company in XXXX, I received broken and missing item merchandise, merchant wanted for me to pay nearly {$80.00} to ship back to XXXX, so I began a dispute. Citibank without notice, months later, reversed my credit after ruling in my favor without any notification, notice, or reason! 

Why is Citibank ripping me off!??!
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that 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 XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute and also supplied them with supporting documents in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Problem with fraud alerts

Discover Financial Services keep running my my credit report ( score ) without my authorization and they have done it and multiple occasions
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL ANGECIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, TXXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Problem with statement of dispute

Equifax illegally shared data with others, regardless of whether they put this in writing. Equifax backs up and made it look like my fault. However they share information that only they could have known. When we filed an application with XXXX XXXX XXXX XXXX I used my Middle Name first on the Application. Equifax illegally shared this information XXXX. How come the CFPB puts the fox in charge of the henhouse where the credit reporting companies are concerned. all files regarding the illegal sharing is attached if you are a consumer advocate do something
Complaint sub-issue: Account status incorrect

ECMC is a 3rd party debt collector who's destroying my credit. Ive even attempted to send a registered security satisfy the obligation. They kept the security and never closed the account out. HELP PLEASE
Complaint sub-issue: Public record information inaccurate

LexisNexis continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i. This is ruining my livelihood and ability to apply to certain jobs and have credit extended to me.
Complaint sub-issue: Need information about your loan balance or loan terms

I dispute the amount of my federal student loans, and would like a copy of the agreement or promissory note outlining the terms of my loans, which span XXXX, XXXX, XXXX. I don't have any records showing what I am being asked to repay and how those funds were distributed to the school.
Complaint sub-issue: Transaction was not authorized

I placed a claim for fraudulent charges on my debt card for {$600.00} on XXXX/XXXX/XXXX I received a letter from my card service/bank stating that based upon our review of the information you provided as well as our internal records and your card history, we can not confirm that fraud occurred. Our investigation indicates that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. You may try to resolve the issue with the merchant directly. The problem I have with this is there 's over a half a dozen merchants and services that are the problem. Obviously they have done nothing to clear this up or do they intend to. They never put my provisional credit on my account either so they do n't have much insensitive I guess I did n't enter into these agreements and if they followed the money I think that is clear. I paid someone 's gas bill in XXXX and someone else 's phone bill. The charges from XXXX for what I do n't know but I assure you they did n't ship anything to me. Direct Express is totally worthless and as I 've discovered that opinion is shared by literally hundreds
Complaint sub-issue: Talked to a third-party about your debt

A debt collector from USI Solutions in XXXX XXXX, Pennsylvania, called my office and attempted to get information regarding an alleged debt of my fiance. The caller gave my office personal information and names. The caller than attempted to call my personal line. I told him I knew nothing about it and asked him to stop calling my personal number and to stop being aggressive and inappropriate with my office that I and they knew nothing about the matter. In a very threatening tone he then told me that he could and would continue to call anyone he wanted to in an attempt to find the individual he was trying to locate. My fiance supposedly even though it is a very common name. He said I had been " listed '' as a reference which I don't believe to be true and he made statements such as that he knew I had " passed along '' the information and that we needed to " stop dodging '' his phone calls. All of this is completely inappropriate and upsetting and I feel very intruded upon and was threatened with further harassment both personally and professionally regarding a matter I know absolutely nothing about and to which I have no legitimate connection. The calls originated from 2 numbers : XXXX and XXXX. Thank you.
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX, XXXX, I submitted a dispute to Equifax. As of today, XXXX XXXX, XXXX, the dispute remains " pending ''. The inaccurate information remains on my credit report.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

Well i was hack into on my computer where serveral prepaid cards i have were used to a sight called XXXX and my cash app which i am having problem with them refunded all the charges i did not authorised, i am a XXXX XXXX i have a XXXX XXXX XXXX XXXXXXXX i am XXXX years old on XXXX i was XXXX  in 2016 very badly and now i suffer from many XXXX things, the company is cash app that my pre paid card ending in XXXX i dont know the name of the bank they only refunded the XXXX statement XXXX charges XXXX, XXXX, XXXX and XXXX thats all they did this goes back to XXXX in XXXX where it started XX/XX/XXXX XXXX and XXXX XXXX XXXX for a total of XXXX XXXX charges XX/XX/XXXX XXXX charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a total of XXXX XXXX Charges are a total of XXXX for dates XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX total is XXXX dates XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX the grand total of refunds owed to me are {$420.00} thats halve of my rent i am being evicted for not paying my XXXX rent please help me get my money back
Complaint sub-issue: Information belongs to someone else

I was informed by my banker ( of 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I do not know anything about the items. Please remove these fraudulent accounts form my credit file immediately. 

XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$4900.00} XXXX  XXXX {$760.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX  XXXX  XXXX {$51.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted online disputes, I have called by phone and disputed as well as mailed in several disputes advising the credit bureau that there are several accounts on my profile that are in reference to identity theft. 

XXXX XXXX XXXX Credit Card is listed on my profile as being opened in XX/XX/XXXX I had a fraud alert placed on my file in XX/XX/XXXX I asked them to provide proof where they investigated this account and provide proof that the creditor spoke with me to open this account and they have not done so but they are reporting this inaccurate and fraudulent account. 

I have a bankruptcy that is showing on my profile as being filed XX/XX/XXXX and being dismissed on XX/XX/XXXX there is no additional information listed on this account being showed. I spoke with the credit bureau and notified them by online, phone and mail and asked them to directly investigate and they did not they advised me that they had a 3rd party do so. They refused to advise me of the 3rd party used and who the 3rd party verified through. I have spoken with the courts clerk and was advised that know one has contacted them to directly investigate this matter. The credit bureau has blatantly fabricated to me about the direct investigation that they say have been completed.