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

EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, GEORGIA XXXX NOTICE OF VIOLATIONS AND LETTER OF DEMAND NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be EXCLUDED from a consumers report. The term credit card has the same meaning as in section 1602 ( l ) of this title ( 15 U.S.C ), which is The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress stated ANY card. The credit card is my social security card. This is the credit card that I used to originate EVERY consumer credit transaction thats been reported in my consumer file and my consumer report. 

This Letter shall also, serve as an opportunity to cure the multiple defaults of EQUIFAX regarding my attempts to have my consumer report and file corrected. 

Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), which states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, SHALL be EXCLUDED from a consumers report ; I DEMAND THE FOLLOWING INQUIRIES BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41 : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), 15 U.S.C 1681c-2, I DEMAND THE FOLLOWING ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41 : 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: Account status incorrect

I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports ( XXXX, XXXX and Equifax, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute with Equifax regarding an unauthorized hard pull by XXXX XXXX XXXX. XXXX sent me a email stating the their report was in error, and that a revision was submitted to Equifax to remove the item from my report. I called Equifax 800 number to proof repair was completed. I spoke to XXXX, she suggested I wait until it drops off my report, I asked to escalate the call, next I spoke to XXXX, who also suggested I wait until the item dropped off my report, also suggested I call XXXX yet again to resolve the problem. I asked to be escataled again, this time I talked to XXXX. XXXX started off listening, but soon was asking me to again call XXXX and get them to submit the repair. As I was talking, XXXX hung up the phone Total time of call aprox, 1 hour 14 minutes. IF this call is reflective of Equifax normal comsumer interactions, they should be sanctioned
Complaint sub-issue: Their investigation did not fix an error on your report

These Accounts have been deleted from XXXX XXXX. Immediately delete and inform Equifax and XXXX  to delete also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any hard inquiry requests before XXXX. 

here is the XXXX XXXX  credit report dated XX/XX/XXXX and XXXX XXXX  file attached.
Complaint sub-issue: Debt is not mine

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Complaint sub-issue: Information is not mine

I have not been able to obtain my credit report from equifax because they have mixed my information with my deceased grandmother 's. I would like a copy of my report to resolve any mistakes there may be on that report.
Complaint sub-issue: Debt was result of identity theft

I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, Equifax, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, medical services, and a loan under my SSN. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. It also look like these accounts are now in collections. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.
Complaint sub-issue: Inadequate help over the phone

This complaint is in regards to an XXXX credit report. It involves a credit report inquiry on XXXX XXXX, 2014 in the name of CREDCO/CHASE ACCT RVW. I sent XXXX letters to Credco/CoreLogic asking why my credit was pulled and what XXXX XXXX XXXX Bank represented to them for permissible purpose to pull the credit report. I failed to receive a satisfactory answer and so I emailed Credco/CoreLogic. A representative by the name of XXXX, at XXXX called me. He explained that their relationship with XXXX is automated and they receive nothing in regards to why the report was pulled. I asked what XXXX represented to them that was permissible, and he said nothing, other than he could send me an explanation of what " represented '' actually means, as there are different areas that would cover. I told him that I sent a letter to the address provided by Credco/CoreLogic, for XXXX XXXX XXXX Bank, with an address in XXXX TX. My letter was returned " return to sender '' without explanation. He said it appeared there might be a suite # for the address, but that was cutoff based on what he was looking at in the system. He did give me a contact name of XXXX XXXX and phone # of XXXX. I called the phone # and it is no longer in service. I left a message for XXXX to please investigate further for accurate contact information. I have no clue why XXXX XXXX XXXX Bank would be conducting an account review in 2014. The system of pulling a person 's credit report in this situation, without any permissible criteria or accurate contact information is worrisome. Please investigate both Credco/Corelogic and XXXX XXXX XXXX Bank to get to the bottom of why they pulled my credit report. 

Thank youXXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

GREATLAKES AND XXXX KEEP CALLING MY CELL FOR XXXX & XXXX, SKIP TRACING FOR THEM. PLEASE FURNISH ME ALL YOUR NUMBERS USED TO CALL ME SO I CAN BLOCK NUMBERS ON MY CELL PHONE.
Complaint sub-issue: Received bad information about your loan

I received an email notice from Firstmark Services ( a division of Nelnet ) on XX/XX/2022, stating that my minimum monthly payment would be reduced by approximately {$50.00}, effective XX/XX/2022. When I checked my account on XX/XX/2022, I noticed no change to my minimum monthly payment amount, so I contacted Firstmark to get things cleared up. I was advised to submit that email to their customer service department, and I would hear back. I submitted the email on XX/XX/2022, and received confirmation of receipt on XX/XX/2022. I heard nothing further from Firstmark. I called the customer service department today, XX/XX/2022, to inquire as to why my minimum monthly payment was not updated to the new, reduced amount. I was informed that the communication only applied to 3 of the 4 notes under that account, despite no indication of that in the notice I received. I requested that Firstmark abide by the notice sent to me, since no notice had been provided of an updated payment amount, and because the notice was unclear and misleading, in direct violation of 15 U.S.C. 1692e. Firstmark refused to take any action. On the call, Firstmark indicated that these kinds of notices ( which are unclear and misleading ) are sent to all consumers upon reamortization, and none of them indicate which notes the new minimum payment applies to. When I asked to get this in writing, Firstmark flatly refused to send such documentation, including refusing to send written communication of their standard practices with regard to notices, and refusing to send me a copy of the recording of the phone call. Eventually, Firstmark walked back that refusal, and as of today, I'm awaiting communication from a representative as to whether or not they'll be able to provide a written statement of the misleading nature of the notice. I've been promised that I will be called back on Thursday, XX/XX/2022, but I have little faith that this will happen, given the lack of communication in the past.
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. 



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 a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Complaint sub-issue: Company closed your account

I had a Citi Double Cash Rewards Credit Card that I was actively making purchases and payments. And without any prior contact or notification, Citi closed the account with the below reason : " During a recent review of your account, we observed frequent purchases, and multiple payments from unknown sources, which are inconsistent with typical consumer use. As a result, your above referenced account was closed on XXXX XXXX, 2021 '' which is a very vague and insufficient action reason for closing an account that had zero delinquent history and very few ( if any ) over-limit history. Below are my complaints based on the reason letter : 1. " Frequent purchases '' : there is no clear and legitimate definition of " frequent purchases ''. Most of my purchases ( if not all ) were made so that my balance was within the credit limit of the card and each purchase is not small amount like {$1.00}. Thus, there is no way the account had " frequent purchases '', otherwise it will be over-limit. From common sense, the number of transactions per month for this card is perfectly normal given this was my primary card. 

2. " Multiple payments from unknown sources '' : I can provide valid source for absolutely all of the payments made on this card, mostly from my own checking account anyway. All payments other than my own checking account was made by the same one source for which I can provide valid information. Citi Bank never made any successful attempt ( mostly likely any attempt ) to contact me to verify the source through any method such as phone call, text message, email or letter. Simply " unknown '' from Citi itself is very unprofessional and limited. 

3. " Inconsistent with typical consumer use '' : there is no clear and legitimate definition of what a " typical consumer use '' is. Everyone is different. The definition should be based on government regulations and rules, not just some random 5-minutes analysis or personal preference of the reviewer in which case is clearly a discrimination against me. And it is also unclear of what is " inconsistent '' because again, every account activity is unique. And my account had no suspicious activity as all purchases and payments had valid sources. 

4. " As a result, your above referenced account was closed '' : all the above observations can not sufficiently imply to the closure of an active account which has perfectly valid purchase and payment history.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last XXXX I requested an investigation because I felt the item was not being reported legally. XXXX of XXXX ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation for below account! If you can not provide a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws this account must be deleted from my Equifax credit report immediately. 

XXXX. You are in violation of XXXX XXXX XXXX XXXX XXXX XXXX or personal information should not be on my report Untitled Account Number : XXXX XXXX XXXX XXXX ( XXXX ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX
Complaint sub-issue: Information belongs to someone else

I have disputed these accounts a few months ago, however the credit reporting agency has not reacted properly due to the fact that these are not mines and the reporting agencies never provided me with any type of certified documentation to support their claims of Verification. As stated within the laws of the FCRA if you can not provide the consumer with the Method Of Verification used in the investigation then these following accounts shall be blocked immediately and permanently. My identity has been compromised. Please delete these accounts 1 ) XXXX XXXX XXXX {$200.00} 2 ) XXXX XXXX XXXX ) Dept Of ED/ XXXX {$6100.00}, {$7700.00}, {$5300.00}, {$3500.00}, {$2400.00}, {$1100.00}, {$630.00}, {$240.00}, {$130.00}, {$1300.00}, {$1300.00}, {$2300.00}, {$6100.00}, {$4800.00}, {$3500.00}, {$3200.00}, {$3100.00}, I'm demanding that these accounts be removed.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida   DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

This is in regards to the major information breach and Equifax. 

Equifax indicated that my personal information ( all personal information they had, which is nearly everything as far as I know ) was breached and leaked. Reports indicate that Equifax woefully mismanaged their information security as well as their response to this breach of the personal information of 140 million Americans. 

I do not believe that Equifax has responsibly handled their duties to protect consumer information. 

As such, myself and many, many millions of others are now at constant risk of identity theft and fraud for the rest of our lives. This is deeply unfair and unjust - and Equifax now wishes to charge fees for their 'services ' to protect us from fraud, giving them more personal information to handle. Put very simply, this is extortion. Equifax put our information at risk and now offers to extort the public for 'protection. ' As of today, there is precious little the consumers affect can do aside from placing temporary fraud alerts. These only last 90 days - which is hardly solace now that we face a lifetime risk of fraud and identity theft. As of XXXX/XXXX/XXXX I 've place 90 day alerts with two credit report bureaus, and am in the process of placing one with the third. 

Equifax needs to either compensate every single affected consumer for time and resources spent protecting ourselves from the risk they 've exposed us to. To resolve the issue, Equifax must work with other credit bureaus and federal agencies to fully reset the way credit is checked in our country. As of this breach, credit reporting is essentially WORTHLESS, as more than half of all consumers info is now potentially incorrect, unreliable, or stolen. The system needs to be reformed and consumers compensated.
Complaint sub-issue: Attempted to collect wrong amount

I have tried several times to contact the company and have this debt verified. I have not been able to get any answer on the debt. I have also tried to dispute the debt with the credit bureaus and no results. When I called the credit bureaus about this account I was told that the company told them that everything is correct and not to dispute it anymore. The account has different amounts and dates and with them not verifying this debt and everything is different from one credit report to the other.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XX/XX/2022, and XX/XX/2022 but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX
Complaint sub-issue: Debt was paid

Closed my account with XXXX 2 years ago. Received a collection notice from this collection agency almost 2 years after debt was paid in full.
Complaint sub-issue: Information belongs to someone else

show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXXXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX all ftc violations attached and noted :
Complaint sub-issue: Information belongs to someone else

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


-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Report improperly shared by CRC

I have over XXXX inquiries on my Equifax credit report. 
unauthorized use of my name