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

In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 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 XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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: Company closed your account

This complaint is against Elan Financial services the issuer of my card. I was a credit card customer with them for over 8 years. I paid my bills and suddenly about 6 months ago they reduced my credit then today I found out today the company completely closed my account. The poor excuse they gave was I was making too low of a monthly payment. Mind you this also reduced my credit score by almost 40 points. I regret ever getting involved with this company.
Complaint sub-issue: Charged too much interest

I have been trying to work with Discover card to get my interest on my credit card down. I had been on a plan from XX/XX/XXXX to XX/XX/XXXX. They wouldn't do another plan until I hadn't been on one for 1 year. I tried working with them and they would only lower my interest down to 12 % which is only good for a year and then it will go back up. They told me that If I wanted to go to a credit counseling service and get a plan with them they would honor it. I don't want to do that. If they are willing to accept a lower interest with them why not just give me the 6 % interest the lady spoke about when referring to the credit counseling. I want a flat rate interest that is low. 
I dont ' want to use the card. XXXX XXXX XXXX gave me 2.9 % on their card.
Complaint sub-issue: Information belongs to someone else

I have attached document where EQUIFAX has addressed me incorrectly by name which is one of the few incorrect details on my report that I have been trying to get deleted, blocked and updated by sending numerous evidence multiple times.
Complaint sub-issue: Their investigation did not fix an error on your report

I 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed. See my disputes below : XXXX XXXX balance : XXXX and XXXX $ XXXX/Equifax {$20000.00} ; late payments : alleged late on XX/XX/XXXX is reported as paid as agreed on with XXXX, which is correct I was never late XXXX XXXX XXXX has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account since XX/XX/XXXX on the first and XX/XX/XXXX on the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years! XXXX XXXX XXXX I paid on time XX/XX/XXXX and XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof
Complaint sub-issue: Investigation took more than 30 days

I sent XXXX XXXX, & equifax documentation over 30 days ago and they have violated FCRA and not removed which is required if not resolved or no response within 30 days. Equifax told me all collection charge off and loans were deleted except for 3 trade lines and they lied and are still reporting it. They even provided me two confirmation of deletion numbers. They are still showing on my credit. The disputed items need to be deleted from my credit file, all accounts showing closed in collection or charge off status are fraud. I sent them ( XXXX ) 3 identity theft reports and FTC report. I sent my driver license, social security card and utility bill and all info requested to validate my identity. They are refusing to delete the items.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX AZ ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX XXXX  # XXXX, has XXXX 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: Account information incorrect

I previously asked for an investigation as this company is not providing information that is accurate. This company is reporting that this account is paid in full a payment and I'm asking if this is true can they provide proof of paid in full. This company can not provide me with proof because this account is in litigation with a balance and this company is providing information that's not factual data on my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I sent a total 7 disputed requests to Equifax regarding the XXXX account XXXX XXXX XXXX no longer being serviced by the company and has been discharged and sold with a company Im currently working with to fix the issue. However Equifax hasnt completed an In-depth investigation or have reached out to XXXX or they wouldve known this and removed the item from my credit reiport. Instead they keep reporting it on my report late and marked, as derogatory. What happen to credit reporting agencies being held accountable? 

They have done a poor job with reporting accurate information when it comes negative accounts. I have attached an letter from XXXX admitting this account is no long with them. The XXXX Account should be deleted right away.
Complaint sub-issue: Information belongs to someone else

I contacted you all back in XXXX about some things I saw on my credit that is not mine and has asked for it to be removed. Some did come off except XXXX XXXX XXXX. Please help me with this as Im doing this by myself and need some help.
Complaint sub-issue: Old information reappears or never goes away

Back in XXXX, XXXX bank closed my XXXX card with no consent or knowledge from me. 
This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their XXXX customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.
Complaint sub-issue: Account status incorrect

Equifax is reporting two unnamed medical collections # XXXX and # XXXX to my credit that are past the Statute of Limitations in Nevada. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.
Complaint sub-issue: Information belongs to someone else

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau multiple dispute letters in regards to the below accounts on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {>= $1,000,000} business transaction in escrow pending but it will be cancelled by XX/XX/XXXX unless these accounts are not immediately deleted. I would prefer this to handled without damages and litigation.
Complaint sub-issue: Problem getting your free annual credit report

In the past week, I've tried to get the three free credit reports that have been heavily promoted. XXXX provided an immediate report online, no problem. 

For the past week, XXXX  has said they could not provide a free credit report at this time. Equifax wants to torture requestors by making us fill out an online form and then require a mail-in form instead. Clearly, XXXX  and Equifax are trying to complicate or circumvent the free credit report requirement.
Complaint sub-issue: Debt is not yours

My name is XXXX XXXX, D.O.B XX/XX/XXXX and Social Security Number is XXXX. On XX/XX/XXXX I discovered L J Ross Assoc for XXXX had been re-inserted onto my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately
Complaint sub-issue: Information belongs to someone else

Someone stole my identity and fraudulently opened credit card accounts and other accounts in my name and ran up a bill. I am a victim of identity theft and This is my official statement about this matter.
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 XXXX 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Funds not received from closed account

On XXXX XXXX, XXXX, XXXX and XXXX XXXX noticed fraudulent charges on their Bank of Oklahoma checking account. Bank of Oklahoma resolved this issue quickly. On XXXX XXXX, XXXX, there were additional fraudulent charges. The fraudulent charges continue to rack up along with overdraft charges in the amount of {$32.00} five times a day. This has caused our account to be negative. When we tried to dispute the charges and resolve the issue, one of the steps we took was to close the account ( we thought ) and open a new checking account still with Bank of Oklahoma. We were told the dispute would be resolved within two days. This was hardly the case, as two weeks later we had to visit a physical branch location once again to resolve the problem. 
We have been loyal customers for over five years, but this loyalty was not returned with the superior customer service that they claim in all advertisements and branches. We went to the bank at XXXX and XXXX to try and once again resolve the open issues. XXXX spoke with the branch manager XXXX and five separate individuals in the fraud department to attempt resolution. XXXX XXXX, the fraud department head, informed us that Bank of Oklahoma believes that XXXX not only made the charges herself but that she is attempting to extort this money from Bank of Oklahoma. 
Additionally, when the new account was opened, XXXX, a bank worker, wrote the pin down on a post-it note and stuck it to the paperwork given back to XXXX. This is apparently against bank policy as when this was told to XXXX she shook her head as if this was impossible. 
XXXX informed XXXX and XXXX that not one of the disputes would be resolved and that they would be leaving the bank with nothing but accusations. This failure to assist a customer in their greatest time of need is nothing short of astounding.
Complaint sub-issue: Information belongs to someone else

I sent out multiple letters showing I was involved in a Identity Theft. I asked for the incorrect information to be removed but there was no action taken.
Complaint sub-issue: Account status incorrect

Lexisnexis reported incorrect information to my Insurance company which increased my premiums
Complaint sub-issue: Information belongs to someone else

I sent in several FTC reports and nothing still have not been removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I pulled a copy of my credit report in light of all the recent breaches with Equifax. I discovered XXXX fraudulent inquires, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX. I disputed them and they have the nerve to tell me that they are verified and I should contact these companies myself. Why would I call and give them my personal information and I never did in the first place. I do n't have business with these companies, never gave them the right to access my credit report and Equifax should be working with me the consumer not against me. There is too much identity fraud going on now. Please help me as they are violating my rights under FDCRA and FCRA. I have tried calling and they are rude. All there answers are no we cant do that, the information is factual. I do n't know who is trying to obtain credit in my name but I received notice from XXXX that my name is on some black market website.
Complaint sub-issue: Reinserted previously deleted info

I have disputed a tax lien with equifax credit company and XXXX. XXXX removed a tax lien to equifax that do not belong to me and I received a letter from XXXX stated that they have removed the tax lien from their Accurint Database, but equifax is still reporting the tax lien. I have contact the courts and they advised that the do not report to the credit bureaus and do not have a tax lien in their system with my name, ss #, or d.o.b., I ask equifax to validate the information and they will not provide validation neither will they remove the tax lien. Every time I call in they start a new dispute and a few days later they say the court reported back saying that the tax lien belong to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and ask to please remove the fraudulent information immediately from my file. I have sent all documentation to your offices and they have not removed them. You are violating my FCRA rights. I want the following deleted. 

XX/XX/2022 XXXX XXXX XXXX XXXX
Complaint sub-issue: Billing problem

On numerous occasions VW Credit ( the " company '' ) has deactivated autopay claiming the account was invalid, and requested a voided check. After sending this an activation notice was sent ; however, checking today I see the auto pay is disabled again. The reason given is " the bank rejected it '', but the bank claims that no such request was made, nor a request to process a payment. Furthermore, this exact account number is used for other autopays, including a vehicle. 

The company is unwilling to fix their software and is making it very difficult to deal with as I must regularly -- over 6 months now -- babysit payments, which was not what was agreed upon.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi Bank Miles Ahead Savings Account. I was supposed to receive XXXX XXXX XXXX XXXX  miles after depositing at least {$10000.00} in funds and keeping the funds deposited in the account for a requisite period of time ( I was told by a representative that I needed to keep the funds in the account from XX/XX/XXXX to XX/XX/XXXX ). I withdrew the funds on XX/XX/XXXX. I kept the funds in the account for the requisite period of time but never received the bonus. I have used the live chat feature to discuss the bonus having been never received on numerous occasions. Finally, the representative opened an investigation on XX/XX/XXXX. The following details were provided : For your records, YOUR CASE ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We appreciate your patience and understanding during our research process. 

I have called to check on the status and each time, they say to please allow for extra time ; that the case is still pending. At first, they said it would be completed in five business days. Now they said 30 business days. Most recently, one employee said to allow for two more days. They say they have escalated my concern, but I have become convinced that they aren't doing anything. They keep punting this down the road and I am tired of it. I, along with others, qualified for the promotion and they are withholding the airline points, likely to the benefit of the company strategically.
Complaint sub-issue: Debt is not yours

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make these charges. Please delete these items to improve my credit report.
Complaint sub-issue: Attempted to collect wrong amount

XXXX / XXXX /  XXXX  ! Cvcs collection co, took m y Ssdi mo ney from a on line account!
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted this credit reporting agency and collection agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Collection agency and credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit XXXX If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed these fraudulent inquiries with Equifax multiple times. I've completed the FTC identity theft report and have faxed it to the bureau. I have notarized the documents and faxed it to them and yet no resolve. i am looking for Equifax to remove these inquiries immediately. I have attached the report and my fax confirmation. Thank you!
Complaint sub-issue: Information belongs to someone else

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions
Complaint sub-issue: Other problem getting your report or credit score

IvetriedcallingtoverifymyidentitybecauseIcannotaccesstheonlinedisputethingforEquifaxbuttheagentsdontseemtounderstandwhatIwanttodoIdonotwantthemtotellmethestatusofmydisputeIwanttoviewitonlineIwanttounlockmyaccount
Complaint sub-issue: Account information incorrect

My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However XXXX is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and Equifax show account paid and account closed and NOT delinquent ( see attached ). However Equifax is showing reporting on until XX/XX/XXXX when account was closed XX/XX/XXXX.