Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
Complaint sub-issue: Information belongs to someone else

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax and XXXX has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

XXXX XXXX - XXXX - is reporting an erroneous old account on my credit report that should have never went to collections and it was paid before it was even sent to collections! ON my report it shows it was paid XX/XX/2016 and XXXX XXXX put it on credit XX/XX/2016 with no balance! What the heck! I have been disputing this with the bureaus and get no response! They are in violation and I have contacted my attorney.
Complaint sub-issue: Card opened as result of identity theft or fraud

i just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. this has been a rough times during the covid 19 pandemic and its been hard
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have hard inquiries on my credit report and I want them to remove it
Complaint sub-issue: Information belongs to someone else

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My XXXX tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX**** ( Original Creditor : XXXX XXXX XXXX  ) XXXX**** XXXX XXXX**** Hard Inquires Type of Business Date of inquiry Credit Bureau XXXX  - XX/XX/XXXX Equifax XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX   Miscellaneous XX/XX/XXXX XXXX  XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX  If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Complaint sub-issue: Application denied

I have significant concerns about Best Buy offering what this consumer perceives is a way to make consumers accept an annual credit card for a fee, when in fact, the consumer is eligible for their platinum credit card at no fee.. An initial letter was written to Best Buy who forwarded the letter to Citi Bank who apparently is the credit card company providing services for Best Buy. Their letter did not answer my questions to my satisfaction and they claim that they do not have to disclose why I was denied because of their proprietary credit card scoring. I have subsequently written the CEO of Citi Bank inquiring why a consumer with a > XXXX score, > 19 years of XXXX XXXX XXXX, > XXXX annual salary and over 1.4 million in net assets does not qualify for a Platinum Best Buy card. I advised him that it was very suspect that they would offer me a different credit card at an annual fee and concerns that this is a system wide policy which would be quite beneficial to the corporation at {$50.00} per individual.
Complaint sub-issue: Information belongs to someone else

just filed trying to get ANOTHER REPORT PLEASE since I am NOT ME.WHAT THEY ORIGINAL SENT WAS HORRIFYING. NEED HELP GETTING SUPPOSE TO BE CORRECT REPORT. STILL WAITING. FOR REPORT NEVER RECEIVED. PLease get them to shut my report them is main fraud. they are allowed access.
Complaint sub-issue: Debt is not yours

XXXX employed XXXX XXXX XXXX to collect a debt from XX/XX/XXXX. We received a collection letter in XXXX of that year and replied that the debt was not ours. I researched the info and described why the debt was not ours and to requested them to cease all collection efforts on us. A few months later XXXX hired XXXX  XXXX to collect this same bogus debt. Again a cease and desist letter was sent to XXXX with an explanation. A letter was also sent to XXXX asking them to cease and desist in this harassment. Now in XX/XX/XXXX we received another collection letter. XXXX has apparently hired a third firm, AFNI, to collect this same bogus debt. A third letter is being sent to AFNI. 

This is the second complaint filed against XXXX.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX. XXXXXXXX XXXX XXXXXXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

I recently filed a rport with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THESE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. i never receive notification of these debts on my credit reports. This is defamation of character and misrepresentation of my credit worthiness. i recently applied for a loan and was denied to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt, otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date August 30 days late.
Complaint sub-issue: Information belongs to someone else

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX did not resole the dispute in 120 days, XXXX XXXX XXXX did not contact my XXXX XXXX XXXX XXXX and XXXX to get that debt paid
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX and XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The company did not clarify that they were doing a credit pull, and I was unaware of this until I received a alert on my phone. Fraud and deception took place on XX/XX/2021. I want this removed expeditiously I went back to speak to the representative and complained to her. She stumbled and said its a soft pull. I never authorized my credit to be pulled
Complaint sub-issue: Was not notified of investigation status or results

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681Account Name & Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, INQUIRY - XX/XX/2021, INQUIRY - XX/XX/2021, INQUIRY - XX/XX/2021, INQUIRY - XX/XX/2021. 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: Information belongs to someone else

AFTER REVIEWING MY CREDIT FILE I HAVE FOUND SOME DEROGATORY ACCOUNTS AND INQUIRIES LISTED ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. THE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE AND IT IS VERY FRUSTRATING BECAUSE I HAVE NO IDEA OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Complaint sub-issue: Didn't receive enough information to verify debt

Contacted by IC System ( XXXX XXXX, MN ) XX/XX/XXXX to resolve a 2 year old medical debt. The representative was unable to provide any documentation other than a service date and provider. I requested a written response to dispute. It was never provided. After weekly calls for 2 months I asked IC Systems to not contact me further until it was provided. XX/XX/XXXX calls resumed with the representative informing me that they were filing a negative credit report. I paid over the phone to avoid the hassle that would ensue. The amount was not large but it still felt like extortion without recourse.
Complaint sub-issue: Account information incorrect

In XXXX my husband and I put solar panels on our house. At that time there were news stories about people having trouble with leasing them. So we purchased ours. We took the loan thru XXXX XXXX and were told they would put a lien on our home. We were told specifically that this would not be a second mortgage, but an installment loan. If I had thought this would be a second mortgage I would have gone thru a mortgage company to obtain the loan. Unfortunately, we were late on this loan less than a year ago when my husband left his job. This was due to XXXX after the loss of our son 2 years prior. We sold our house in XXXX of XXXX and moved home to be near my family in Washington State. We have been staying with a gracious family member while we attempt to obtain a loan for a home. However, we have been told that we can not obtain a loan because the XXXX loan is reporting as having been late within the last year and is considered a second mortgage. I have contacted XXXX a number of times ( 7 ) in order to find out what kind of loan this was. I was told this was an installment loan on more than one occasion and even have an email from them stating so. However, they are telling the credit reporting companies this was a second mortgage and now we are unable to obtain a home loan. IN the least, this is false advertising, or a bait and switch. I can't believe the interest we paid on a loan that I could have had funded by any local bank for half the interest. And in the worst, I was lied to, if I had known they were reporting as a second mortgage, I would have waited a year before uprooting my family and moving across country. Please help.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & i haven't received any investigation results.
Complaint sub-issue: Account information incorrect

This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. Please block, remove or delete this information pursuant to section FCRA 611.
Complaint sub-issue: Their investigation did not fix an error on your report

Yes Im trying to file a complaint about this Equifax to remove an account off my credit report which is XXXX XXXX this account was removed XX/XX/2022 XXXX XXXX  really reinsert the account back on my credit report that a violation of the FCRA occurred without proper notification to me of the reinsertion. I didnt get any written notice about this account being place back on my credit report under the FCRA they must inform me that this account will be place back on my credit. And I havent gotten nothing from them by mail not only didnt I receive Anything but they put the last reporting date on my credit file as if it was reported the same day that they put the account back on my credit report under the FCRA once an account is closed its against the law to still be reporting on my credit report so please remove this account from my credit report because its is against the law to reinsert an account back on my credit report without notify me and its against the law to update and change the last reporting date to XX/XX/2022 when that is wrong and this account is closed by law you suppose to inform me about this matter this account was blocked from my credit report if Equifax cant send me any proof that this account has the right to be on my credit report without reasonable doubt I will file a lawsuit against Equifax information service under the FCRA once and account has been removed it doesnt suppose to be reinsert Equifax yall has violated my right I havent gotten any thing in the mAil from yall company about this account being reinsert Im gone give yall 15 days to correct this account by removing it from my credit report if not I will be filing a lawsuit against you Thank You
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, I used cfpb to file a complaint to Equifax to resolve issues on my consumer report to non avail. XXXX XXXX continues to report on my consumer report. What method of verification was used to validate and/or update this account? Several violations have been committed. I never gave written or oral consent for any information to be reported either. There is also no permissible purpose in reporting pursuant to 15 USC 1681. I am also a victim of identity theft and am attaching a copy of my identity theft report from the federal website ( www.identitytheft.gov ), along with my Drivers license. This report was not made in error, nor did i benefit from the opening of this account. Pursuant to 15 USC 1681c-2 the account must be blocked no later than 4 business days of receipt and statement that this acct is a result of identity theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, dit open end consumer credit plan as late for purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of 2020 I sent XXXX, EQ, XXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to XXXX, EQ, XXXX through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question
Complaint sub-issue: Debt is not yours

AFNI, INC. reported a debt that was not mine to XXXX despite the fact they could not provide enough detail to prove any debt was owed. I called AFNI on the day I received their notice, and immediately sent a written request for more information, upon their suggestion to do so. 

Regardless of the fact that the this issue is still being investigated, and not my debt, they have reported it to the credit bureaus. 

This is a harassment tactic.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX XXXX XXXXXXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Account status

Eqi ] uifax is currently showing XXXX XXXX account as open which is not true. That account been closed since 2011 please correct this information