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

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. There has been no known financial harm inflicted on me yet, but potentially all of my personal financial information has been compromised. This is completely ridiculous for a company that handles so many peoples personal information that can be used maliciously to ruin someones life. This is not even a service that I opted into. EquiFax has collected all of my personal information and then released it to bad actors because they were too cheap and irresponsible to hire professional security experts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022 I purchased a XXXX XXXX XXXXXXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with XXXX institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, Towne Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that 3 of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon seeing XXXX XXXX XXXX XXXX XXXX on my credit report, I have disputed this account and demanded that the account be validated. Not only has the original debt collector NOT provided validation of the debt with original contracts bearing my signature, but they have forwarded the debt to XXXX, XXXX XXXX XXXX, XXXX. I believe the credit agencies and XXXX XXXX  are violating the law.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute with Citibank over a charge made by Costco. Citibank never allowed me to provide documentation about this dispute ; they never allowed me to even explain my dispute ; I couldn't even talk to a representative about this dispute. Citibank now claims it needs more information, but will not provide me a way to give them the information they are asking for. Attached are screenshots showing there is no way for me to give Citibank information they asked for Put simply : Citibank is using delay tactics to prevent me from giving them information to properly adjudicate my dispute.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX CONSUMER RELATIONS XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX IS REPORTING FRAUDULENT INFORMATION IN MY GOOD NAME VIOLATING THE FCRA RULE OF LAW.
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed an Identity Report and I have attached this document below. 
Also, I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: No notice of investigation status/result

I File a identity report XXXX XXXX XXXX at XXXX XXXX XXXX. The Equifax did not block the information and share copy of the information I sent them to creditor. which was copy social security card, driver license and the police report which is regulated by law. Secondary Dissemination of any kind is Prohibited and stamp on the police report.
Complaint sub-issue: Reporting company used your report improperly

My credit and personal info was part of the Equifax data breach.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Was not notified of investigation status or results

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Complaint sub-issue: Was not notified of investigation status or results

Please be advised that as of XX/XX/XXXX, two ( 2 ) separate notices went out on XX/XX/XXXX & XX/XX/XXXX ( see attached ) to EQUIFAX, XXXX and XXXX requesting verification of the undermentioned debt ( s ). 

It has become increasingly clear that EQUIFAX, XXXX and XXXX are willfully negligent in rectifying my affairs. They are willfully and negligently failing to remove unverified accounts included in my consumer report, and to employ reasonable procedures to assume maximum possible credit reporting accuracy. I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the FCRA and FDCPA. 

EQUIFAX, XXXX and XXXX were given 30 days from the date of notice, and another 30 days with the second notice -as a courtesy, they were to provide supporting documents and PROBABLE evidence that I have any obligation to the undermentioned alleged debt ( s ). 

EQUIFAX, XXXX and XXXX were unable to produce said requirements within the generously allotted threshold, and by Federal Law they are required to remove the accounts from my consumer report without prejudice due to their negligence. 

At this point, You, EQUIFAX, XXXX and XXXX, and its representatives /agents are Civilly Liable for willful noncompliance under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) on your transgression against me, a federally protected natural consumer identified in 15 U.S.C 1692a ( 3 ). I can take lawful action for your violations by assessing a penalty/fine of {$1000.00} each violation. In addition, if you do not comply fully you will be obstructing justice and can be held in contempt to be tried as a criminal in a court of law. 

I made a conditional offer to settle this matter upon lawful verification of this alleged debt in the correspondence sent to you. You, EQUIFAX, XXXX and XXXX failed to respond and illegally continued to allow the debt collector to proceed with collection activities and furnishing information of unverified accounts to my consumer report in violation of Federal Law. 

Under the FCRA, any information that is inaccurate, incomplete, or unverifiable, must be removed or corrected, usually within 30 days and since EQUIFAX, XXXX and XXXX were unable to provide me with a copy of verifiable proof within the allotted threshold, EQUIFAX, XXXX and XXXX must remove the accounts listed below. 

I demand the following accounts to be removed immediately or I will be taking this matter into Arbitration and/or file suit against you for damages for violations of the FCRA : XXXX XXXX - ACOUNT NUMBER : XXXX - BALANCE {$35000.00} -XXXX XXXX  - ACCOUNT NUMBER XXXX XXXX - BALANCE {$680.00} -XXXX XXXX XXXX ACCOUNT NUMER XXXX XXXX - BALANCE {$34000.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/12 i made a purchase on a website through XXXX for {$190.00}. I cancelled the order the same day and thought that the charge on my card would go away. Once i saw that it did not I immediately submitted a dispute with Citi card. Finally at the end of XX/XX/XXXXthey sent me an E-communication that they needed more information without giving me any way of replying and I accidentally closed the dispute. I called XXXX to see if they could deal with the issue. They said that I should call Citi and have them change the dispute category to " Never received Item '' and reopen it however, after calling Citi 3 times, I only received a communication that I need to pay my balance or my credit would be affected. 

I even have proof that i pointed out to all the agents of Citi that i spoke with that my order had been cancelled by the person in question and they just said " we may need that later on ''
Complaint sub-issue: Account terms

XXXX XXXX was handling this dispute since 2008. Nothing was resolved and I never received my credit report until now.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

This had been on my credit report more than allowed time.
Complaint sub-issue: Old information reappears or never goes away

I have settled my debt with these companies and they are still listed on my credit report. Some are as old as 2005. I owe no money and am trying so hard to repair my credit. I have 1 credit card and a car payment now but my history still haunts me. Please help me.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX store card closed a fraud account that was in my name. I still have them reporting on my credit report and still paid down the balance that I didnt use. They keep reporting derogatory remarks and statements on my credit report messing up my FICO Score. I have been through with them on this issue. I dont receive no bill or statements. XXXX XXXX store card closed my account due to fraud. So why are they still reporting on my credit report? Why am i not getting a bill? Why am i not receiving any statements? I paid more than the remaining balance on a fraud account. Help me please!! I had to sign up so i can see the statements.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I ordered a gift from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) using my credit card. The order number was XXXX and the amount was {$52.00}. I received a letter fro the credit department at Equifax Cred Inf XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) that the order can not be processed because I have a credit freeze on my file. Given the breach, I am concerned on why a credit check and why this company? I have written XXXX XXXX to cancel the order and remove me from their records. Please help - is this legitimate?
Complaint sub-issue: Their investigation did not fix an error on your report

I had sent in numerous documents about XXXX to Equifax and XXXX. XXXX  has resolved it months ago. Equifax and XXXX  continue to report this inaccurate account on my reports.
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 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Complaint sub-issue: Problem with personal statement of dispute

I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being Furloughed from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was furloughed in XX/XX/2020.
Complaint sub-issue: Their investigation did not fix an error on your report

the usa credit bureaus have failed to correct errors in their reports within the allotted time. 

1. debt collection report : fraudulent report. Previously deleted/removed for that reason. A new company is reporting the same item with its new personal date. 
I only have contact with a mail service in Texas. 
1a. Not mine, also, the statute of limitations for an action on the stated ORIGINAL item is 2 years ( texas ). By which it must be removed. 

2. XXXX is not my name. remove it. Crossed accounts? 

3. XXXX is not my telephone number. remove it.
Complaint sub-issue: Need information about your loan balance or loan terms

XX/XX/XXXX XXXX  XXXX  submitted XX/XX/XXXX App  results : despite stating that signed HR forms were not required to submit for XXXX, my app was declined because I could not get it signed. 
XX/XX/XXXX spent months tracking down the info requested and re-submitted XXXX XXXX. 
XX/XX/XXXX Consolidation application submitted XX/XX/XXXX Consolidation completed XX/XX/XXXX XXXX XXXX application as suggested XX/XX/XXXX Requested information due to name change from marriage. Submitted all requested info. 
XX/XX/XXXX Had to resubmit XXXX AGAIN at their request. 
XX/XX/XXXX XXXX  payment counts up to XXXX payments ( the only movement since XX/XX/XXXX ) XX/XX/XXXX Notice of loans transferring to another servicer. 
XX/XX/XXXX Loans transferred to Mohela Called to speak with them and chatted via their website, was told my loans were " direct to discharge '' on XXXX. I have a screenshot of this. I have no other correspondence regarding my payments or proof of discharge. I'm told that the people answering the phone do not have specifics for me and I just need to keep waiting. 

I worked at a hospital full time from XXXX, worked at another hospital from XXXX and worked as a teacher from XXXX. I have more than enough months to count toward forgiveness and I feel like my account is stuck on hold and isn't being looked at. I've done everything they have asked and lack any proof of my account being looked at since XX/XX/XXXX ... 6 months ago. Please help me figure out why my account is stalled.
Complaint sub-issue: Account information incorrect

XXXX XXXXXXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been grossly violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. These companies do this anyways to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that it my right and regulated under Federal law!

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by XXXX XXXX before furnishing it. This very clearly shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXXXXXX to furnish any late payments to my consumer report. It is my undoubted belief that due to XXXX XXXX 's business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.
Complaint sub-issue: Public record

The information that is being reported to my credit report is incorrect. Credit reporting agency will not give source of information to verify. Shows XXXX state tax liens and bankruptcy. I have repeatedly disputed this information and continue to get the same answer without a source. I have contacted the Clerk of Superior Court and they state that they do not report to credit bureau.
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 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 XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # 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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # 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
Complaint sub-issue: Information belongs to someone else

This is my COMPLAINT to tell you AGAIN that I am a victim of identity theft and to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPT OF EXXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.