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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number XXXX XXXXXXXX Account name XXXX XXXXXXXX XXXX Account number : XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX 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. ALL XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  Account # 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: Account information incorrect

I do not have an account or a relationship with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. This alleged debt is listed on my consumer credit report. The alleged debt has not been validated.
Complaint sub-issue: Their investigation did not fix an error on your report

This allege account was disputed with allege original creditor XXXX XXXX and they failed to validate this debt. I sent letter disputing this allege account requesting all documents and contracts XXXX  has on file giving them authorization to report this account to my Equifax credit profile and no documentation was provided. I never received a response AT ALL. it is my rights under the fair debt collection practice act title 15 usc 1692 ( g ) to verify and make sure all item reporting to my credit profile are reported accurately and in fairness. XXXX XXXX has failed to validate this allege debt and I demand this account to be deleted from my EQUIFAX credit profile. A copy of this dispute will be forwarded to XXXX, IRS, and the US ATTORNEY GENERAL office for review.
Complaint sub-issue: Card opened as result of identity theft or fraud

A Discover card was fraudulently opened in my name. Account date opened in XXXX. The bill was sent to another address or post office box number that I was not aware of. The credit limit was {$17000.00} from XX/XX/XXXX to XX/XX/XXXX. The account was closed on XX/XX/XXXX. The high balance was {$15000.00} from XX/XX/XXXX to XX/XX/XXXX. I received a summons today and was made aware of the account. Presently I am disputing it and reporting fraudulent activity. Also, freezing my accounts.
Complaint sub-issue: Problem using a debit or ATM card

I have a money lion app account my account was fraudulently accessed personal information was changed money was taken from my account and sent to my XXXX XXXX. I did not authorize any money to be transferred I have discussed and disputed the transaction four times with money lion and I keep denying my claim they will not refund me my {$1600.00}.
Complaint sub-issue: Investigation took more than 30 days

The credit companies are not complying with their own policies in a timely manner.
Complaint sub-issue: Information belongs to someone else

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I place a Fraud Freeze on my Equifax Credit Report due to Unauthorize inquiry and 2 account that appear on my credit due to identity theft. Every since I place this Freeze on my account on XX/XX/XXXX The information that was Blocked couple years ago was suppose to be block or deleted per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act has decided to reappeared on my credit with Equifax ONLY as they seem to not obey the consumer laws of the fair credit reporting act. There are also other account that I have been disputing due to identity theft for months now seem to still remain on my credit for something I did not do. I also spoke to the Equifax Mix department and Fraud Department regarding theses accounts and can not seem to block it and now because of the Freeze everything that was block came back on my credit file. Equifax seem to be unorganized and really playing with my credit report. Hopefully they are not doing this to others, But if the are I assume the CFPB will investigate this unethical law breaking company called Equifax. All my other Credit Reports, XXXX and XXXX are show my accurate information. 
Thank you I recently filed another dispute again as of XX/XX/XXXX confirmation number with Equifax is : XXXX Fraudulent Information are as follow : 1.XXXX XXXX XXXXe 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX acct : XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX there are 6 account with XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late.
Complaint sub-issue: Reporting company used your report improperly

I was reported deceased illegally trought all XXXX credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money debt card company Data Base so I never could contain a credit score due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my Equifax states I was born in 1984 false information to all credit bureaus force me to have no credit an lose money an benefits
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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
Complaint sub-issue: Debt was paid

Since XXXX XXXX, 2011 and to date I have been using XXXX as my line for telephone, internet and cable TV and have been paying my bills through XXXX without interruption. 
I can not pay for the same telephone line XXXX XXXX XXXX when I never use their service. I have evidence that all my phone bills were paid to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Agencies keep reporting negative items on my report, which is effecting my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I received a letter from XXXX advising me that my XXXX report was frozen. After work I contacted the three credit reporting agencies and ask them to validate the bankruptcy on my credit reports. Each agency had comeback that the information was validated by XXXX and is correct. The problem here is having Frozen my XXXX report in XX/XX/2018 a XXXX not sharing this information with any of the credit reporting agencies it is clear that they did not validate though they said that they did this is a clear violation of section 609 of the Fair Credit Reporting Act which states that validation must be done within 30 days and must be complete it must be accurate and it must be done with the furnisher of information. Though XXXX was never the furnisher they were third-party they are what the credit bureaus use to validate therefore this information must immediately be removed from my credit report because there was no validation although they stated that they did validate and they didn't have other day with the furniture which would have been the XXXX XXXX County Courthouse the three credit bureaus are in violation of the Fair Credit Reporting Act and therefore the information must be removed from my credit report immediately I therefore request that the cfpb investigate this information as I have documentation proving that my statements are true and correct. My only recourse at this point is to have the cfpb direct them to remove this according to the law.
Complaint sub-issue: Debt is not mine

This company is continuing to call looking for another person who owes them a debt. I 've explained for 4 months this is n't his number. They continue to call, even though I 've told them this is no longer his number. This has become harrassment.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by XXXX XXXX first of all i do not have a loan with this company world finance I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with equifax taken my score down nearly 70 points and now 8 months later on my XXXX  it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX XXXX report says XXXX another XXXX and another one XXXX all different two with XXXX  XXXX  the original creditor and then now XXXX  XXXX  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I have disputed a bankruptcy that XXXX XXXX is reporting that they verified first hand from the XXXX District Court. I have attached documentation from the XXXX Court that they Do not report to any third party agencies. I have also disputed the bankruptcy information that XXXX, Equifax and XXXX is reporting as the information was verified by XXXX XXXX.
Complaint sub-issue: Other problem

In response to Discovers " position '', You discover stated " On XX/XX/2020 your account was opened as a result of an internet application submitted that same day. You first submitted an application for prequalification for a Discover It XXXX account and were preapproved, and then submitted the full application. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. " Anyone can submit an online application with whoms information is public record. Where is your signed contract with my signature? 

You also stated " Your account was used for local transactions '' Where is your proof that I used the card? Where is your proof that I was there for any transactions that took place on said card? Where is your proof that I was in this local parameter for these transactions? Anyone can purchase anything anywhere. 

Pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I have asked for your proof that I created transactions on the account and you have failed to validate that. You have sent monthly statements but have failed to validate with proof who made the charges and have failed to abide by the FDCPA ( Being that you have stated in multiple letters that an alleged " debt '' ( a term your company used ) is owed to your company ). 

Aside from you not having proof of who submitted the application, who made charges on the accounts and violating the FDCPA after positioning yourselves as debt collectors. 

As a courtesy I will forward all correspondence, violations of FDCPA, XXXX and FCRA that your company has violated along with accompanying federal regulations to your states attorney general for further investigation into your corporations operations and practices.
Complaint sub-issue: Funds not received from closed account

Citibank abruptly locked my checking account with a balance of {$1500.00} allegedly because of fraudulent activity. I did not request them to make a debit card nor have I ordered checks for the account, so the only access to the account is either in-person at a branch ( I live in XXXX, and there are no branches in the entire city ) or through online means such as XXXX, XXXX, XXXX XXXX  XXXX. So far, I have only used the account for deposits from my XXXX sales and withdrawals to my XXXX investment account. No other charges have been attempted on the account. No fraudulent attempts to access my account have been revealed and every transaction has been verified by me as valid. When contacting Citibank, they would not give me a way to remedy the situation but instead always claim they are elevating the case and it should be resolved in 24 hours. I was told that 8 days in a row by their support staff. This is a XXXX situation for my funds without remedy, and I have already suffered fees from rejected ACH and lost opportunity from purchasing inventory.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update and correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on serval dates XXXX. XXXX, Equifax and XXXX have completely disobeyed FCRA. they have not removed personal information that needs to be removed immediately. XXXX, Equifax and XXXX have not marked accounts as disputed. So, I'm requesting that they delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Covid 19  caused me financial hardship so I could not make my Citi Card Best Buy card payments. I advised Citi of this and instead of working with me Citi closed my card and damaged my credit.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

On XX/XX/XXXX, I bought two perfumes and a sample perfume at XXXXXXXX XXXX XXXXXXXX Macy 's store that cost around XXXX dollars. Macy 's employee told me I could get a discount if I made a Macy 's credit card, which I did. I wasn't sure if I could get approved since I am an XXXX XXXX. A couple of weeks later, I got a letter from Macy saying that the credit card was not approved at the [ first address ]. I thought Macy 's would send me a statement letter so I could pay the money owed, but I never got a mail or an email other than the E-receipt ( attached ). My phone number at the time was [ phone number ]. I did not get anything and I moved to a [ second address ] on XX/XX/XXXX. Macy 's may have called me, but I thought it was spam because all the call operators had the same accent as any other spam calls I received in the past. 

I saw my credit score dropping starting XXXX and I thought I didn't pay my other credits cards on time. It wasn't until XX/XX/XXXX when I requested a credit report and saw Macy 's credit card was the cause. 

I called Macy 's to pay for the perfumes and whatever interest charge I have, but they haven't given me any good information about my account and didn't give me a way to pay the charges. I don't have a credit card number or even a statement of the perfumes I bought. When Macy did not approve my credit card, Macy 's failed to take the next step of sending me a statement after they did not approve the credit card so I could pay the bill via email or mail.
Complaint sub-issue: Account status incorrect

I have tried to get this late payment off my credit from Equifax, XXXX, and XXXX. I have not been successful. 

I have received this letter from the creditor ( XXXX ) showing that they should remove the late notation and to make it " current ''. 

This is in regard to account # XXXX  # XXXX Please help me get this removed.
Complaint sub-issue: Information belongs to someone else

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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
Complaint sub-issue: Other problem getting your report or credit score

I have an extensive history of credit that was in Equifax. Recently tried to pull my credit report and they dont have a credit report on file for me. I asked how was this possible no one knew an answer.
Complaint sub-issue: Used obscene, profane, or other abusive language

There was a phone call made to resolve the debt from my phone for a settlement. I was listening in and the rude XXXX XXXX was aggressive on the line stating he wants a payment in full, I asked if they dont settle and he stated, I said it three times already pay this in full. XXXX XXXX obviously has issues with numbers and cant count because he did NOT state anything three times and demanded payment. He gave out the balance on the account without even attempting to verify any piece of information on the phone such as street address, date of birth, or social. Therefore ; my private information was given to a 3rd party without authorization.
Complaint sub-issue: Reporting company used your report improperly

Equifax is not letting me exercise my federally protected rights under 15 U.S.C 1681. Equifax last response lack documents and listing Im requesting. See attachment.
Complaint sub-issue: Was not notified of investigation status or results

I reached out to Equifax and XXXX XXXX by written letter on XX/XX/XXXX regarding a fraudulent XXXX account that is reporting only on my Equifax credit report. I have not received a response from neither XXXX nor Equifax regarding this fraudulent account. This inaccurate and unverifiable XXXX account needs to be removed from my credit report immediately. This fraudulent account has affected my credit score tremendously. I would like for this account to be removed from my Equifax credit report immediately as I am entitled to a correct credit report. Also I noticed on my Equifax credit report that payments were made on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please provide me with the information on who made these payments, voided checks and bank information so that I can file a police report as this is not my account. Your attention to this matter is greatly appreciated. 

Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting act XXXX Account # 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: Charged too much interest

My Citibank credit card on autopay. Lately noted that the My monthly use was {$77.00} only and card company was charging {$20.00} to {$26.00} as interest per month om balance of XXXX daollars after autopayment. It wrecked up approximately {$2000.00} which is more than 1000 % of capital.. When I called, they said they were taking minimal payment by autopay and minting money by interest ( 1000 % ), which is wrong. I want them to refund the interest and charge the expense in full every month.
Complaint sub-issue: Reporting company used your report improperly

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

On XX/XX/2022 a fraudulent charge was placed on my account for a subscription of a XXXX show named XXXX that put my account over the limit. 

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

On XX/XX/2022 my credit card was forced over the limit buy no action of mine. The over the limit was created by a finance charge that the company placed on my account on XXXX the XXXX 2022.