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

I have looked at my consumer report XX/XX/2021 and I realized that my rights as a consumer were violated. Pursuant to FCRA 15 USC 1681b ( a ) ( 1 ) I have never given the consumer reporting agency any written permissible purpose to furnish any of the accounts that I disputed. Also they have violated 15 USC 1681a ( 2 ) ( b ) by not excluding such accounts that had anything to do with my credit card which is also my security card according to 15 USC 1602 ( i ). I sent a letter to the company explaining their violations and that they must remove any of the accounts that had no permissible purpose or had any association with my social security that I do not want on the consumer report and I have the LEGAL AND LAWFUL RIGHT to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi Equifax XXXX again with my XXXX complaint. I just want to let Equifax know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more. Just please remove the XXXX and XXXX accounts, i have everything you need to remove them and i still dont understand why they wont be removed.
Complaint sub-issue: Information belongs to someone else

XXXX County, TX and XXXX County, TX placing inaccurate and old data into current clean records via XXXX, Equifax or some unknown reporting agency. Many of the transactions have been verified by attorneys via lawsuits to be invalid or not filed claims. Records were clean prior to recent intervention by unauthorized credit pre-screens being issued by recruiting agencies and other types of businesses which were not employing or in the business of employment.
Complaint sub-issue: Having problems with customer service

I returned to school for a semester after graduation and first, my in school deferement was not processed until XX/XX/XXXX, despite a XX/XX/XXXX start date. ( This, in and of itself, could be a complaint ) Because I was still receiving bills, I made the payments in order to avoid complications and disputes later down the line, especially after reading about how little help people have gotten even when they did make payments on time. 
Then I received a letter in the mail saying my loans were deferred from XX/XX/XXXX until XX/XX/XXXX. On my account, however, there was interest showing up on the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments, and they ranged from {$9.00} to {$27.00}, depending on the month. Because I have since moved abroad and it 's taken me a while to noticed this discrepancy, I could not call and instead emailed them. I got two seperate emails that were automated and directed me to their FAQs page. I was asking specifically about a specific case that had to do with my account, and was instead given an automated reply, twice. 
Because I finished my courses in XX/XX/XXXX ( it was XXXX, so the seminar went slightly into the second semester of XXXX school year ), I figured I would need to begin repayment on my loans again. Receiving no bills made me nervous, but everything on my account said my loans were deferred until XX/XX/XXXX. Knowing this should n't be the case, I simply paid the exact monthly amount on XX/XX/XXXX. When it processed, it suddenly was showing up as only a portion of my principal paid off, with a huge chunk going towards the interest. When I logged into my account on XX/XX/XXXX, my loans were no longer in deferment, no notice made. There was a complicated calculation on XX/XX/XXXX that I will assume was from the date they decided my loans were n't in deferment anymore. Still no bill for the XX/XX/XXXX payment that I was charged interest for. Because I only have subsidized loans, and they were still in deferment when I made the payment, there should be no interest accrued, and therefore none of the money paid should be going towards interest ( since there was none on that date ). I emailed them again, this time making it explicitly clear that I need a human being to personally respond, even if only to tell me that these things can not be processed over email. This time, I received a " we are processing your email '' automated email, but still no follow up, automated or otherwise. At the moment, I have well over {$100.00} tied up in " paid off interest '' that should be going towards my principal, because there should n't have been any interest accrued during the time I was making those payments while in deferment. Customer service is actively not reachable via any means other than phone, despite there supposedly being email as an option.
Complaint sub-issue: Reporting company used your report improperly

Equifax just announced a leak of personal information. Upon checking on their website https : //www.equifaxsecurity2017.com/XXXX, Equifax stated that I may have been impacted in this incident. I am worried that my identity will be stolen, & my quality of life ( of hopefully 60+ years ) will worsen and become intolerable as a result.
Complaint sub-issue: Their investigation did not fix an error on your report

I have the XXXX XXXX app. I have XXXX VISA card, originally at a XXXX} balance. I have paid $ XXXX XXXX religiously ever month. My balance is at XXXX now and Equifax lowered my score XXXX points, XXXX raised my score XXXX points. 
Equifax explained that my debt is less ( paying my card down ), so therefore my score goes down. 

I am truly being disciplined for getting out of debt. The system seems to be set up for me to keep a XXXX balance, pay the minimum and my score would go up, while the XXXX lender makes a ton of money from me. 

The system needs to be addressed and fixed. 
XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have a discover credit card which is closed few years back as charged off. 

I recently fully settled this account 3 months back making payment calling to the discover customer service. 

They have not reported to credit report, it still shows account it charged back and there is a balance of {$1400.00} Last four of SSN : 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 XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account has unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$10000.00}
Complaint sub-issue: Reporting company used your report improperly

I sent my letter off on XXXX XXXX,2022 I told Equifax to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681everything has to be 100 % Accurate. 

Accounts-
Complaint sub-issue: Reporting company used your report improperly

My rights were violated pursuant to Federal Law.
Complaint sub-issue: Information belongs to someone else

There is one account on my credit report that does not belong to me at all I have not opened used or know what this account is I need this off my credit report ASAP!!! 


XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/2018 2018
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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: Threatened or suggested your credit would be damaged

I switched service providers from XXXX to XXXX due to coverage issues. I went to the retail store and turned in equipment and paid the account balances to {$0.00} on XX/XX/2018. I received a new bill in early XX/XX/XXXX for {$140.00} ( another month of service. ) I called and disputed this immediately, and the agent on the phone agreed to remove the debt. 

In XX/XX/XXXX I noticed in the mail another letter from XXXX saying I still have a debt, again I called and they said they have no record of the previous call, and that they will open up a dispute of the debt. A few weeks later I start getting calls from a debt collection agency ERC and then eventually a letter from one saying XXXX sold them my debt. 

I verbally disputed the debt, and said I will only deal with XXXX. I called t-mobile again and they again, said they will open up a dispute. 

XXXX nor the debt collector does not have a detail record of the billing period that they are claiming I was charged for, but I left their service in late XX/XX/XXXX and paid the balance owed by XX/XX/XXXX. 

The debt collector reported this on my credit report even though it is still being disputed. I had a high XXXX score, this one thing knocked it down to XXXX and is preventing me from some lending. I've attempted to pay or negotiate the debt with both XXXX or the collector but admit no wrongdoing just to make it all go away, but the collector will not remove this from my credit. The fact that they sold a debt to collector that is being openly and honestly disputed, and then do not provide me with adequate billing information, then on top of that destroy my consumer credit is an unfair and unjust process.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Aspen Finance on XX/XX/2020 and I have no recollection of doing any business with Aspen Finance. I contacted Aspen Finace, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Complaint sub-issue: Their investigation did not fix an error on your report

My Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to help me.
Complaint sub-issue: Sent card you never applied for

I applied for a secured card with XXXX XXXX. They charged me {$300.00}, and I never received the card. Now my bank says someone is trying to access my account and I need a new bank debit card. I called XXXX XXXX at XXXX in the afternoon and the voicemail says the service center is closed. I cant log on online.
Complaint sub-issue: Reporting company used your report improperly

This XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$9000.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} )
Complaint sub-issue: Deposits and withdrawals

I am the XXXX XXXX XXXX XXXX XXXX XXXX owned by a long time client. I was in a series of emails regarding depositing funds and requested the account number to make a deposit to a partner on XX/XX/2022. Someone posing as my client and his partner interposed and emailed instructing me to deposit into an account in the name of XXXX XXXX, account number XXXX at PNC Bank. All the information and emails looked legitimate. The check was drawn on the XXXX XXXX XXXX. I filed a claim at the XXXX XXXX XXXX as instructed by the bank. PNC has refused to accept a complaint from me or my lawyer. I have filed with the XXXX Police, the FBI and the FTC but have not heard back. I have been informed by lawyers that PNC was an instrument in the fraud and may have been in violation of the Money Laundering Control Act " Know Your Customer '' policy.
Complaint sub-issue: Information belongs to someone else

I noticed multiple accounts on my report I do not recognize
Complaint sub-issue: Information belongs to someone else

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, Equifax, XXXX ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX Acct   XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax ), XXXX XXXX Acct   XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( Equifax ),  XXXX XXXX Acct XXXX ( Equifax, XXXX ), XXXX XXXX XXXX XXXX XXXX Acct XXXX ( Equifax ), XXXX XXXX XXXX Acct XXXX ( XXXX  ), XXXX Acct  XXXX ( XXXX ).
Complaint sub-issue: Didn't receive advertised or promotional terms

Last year in XX/XX/XXXXI talked with a DISCOVER agent regarding the DISCOVER IT Miles credit card. The DISCOVER agent made a clear and unambiguous promise to me that after a year of using this credit card, DISCOVER would match all the miles I earned automatically at the end of the first year. I was told that I just needed to open a DISCOVER IT Miles credit card to receive this benefit. Because of this benefit being offered, I chose DISCOVER IT Miles credit card over the competitors. I thought this was a great offer because I needed to earn points to fly and visit my family in Missouri. Consequently, I accepted this offer and starting using my DISCOVER IT Miles credit card for most of my purchases. I spent thousands of dollars in one years time in anticipation of receiving this doubling of miles. However, after a year, I noticed that the miles I earned were not matched by DISCOVER. In fact, when I called the customer service center and requested this issue to be resolved, I was told DISCOVER would not match anything because I was a previous DISCOVER card holder. I then requested the phone records and phone recording of my call so I could substantiate that I indeed was promised these terms by an agent of the company. In response, the supervisor told me that it was deleted and that DISCOVER does not keep records of any phone conversations after 6 months. The supervisor then went on to say that there is nothing he could do and implied that I should have known this because he heard this information on a DISCOVER commercial. I am sorry, this is unacceptable. I'm am simply requesting that the terms of our agreement be honored. I have been a loyal customer for 16 years since XX/XX/XXXX.

I have attached the screen shot from the Discover website. The language states clearly on the front page that Well match all the MILES youve earned at the end of your first year, automatically. The website does not clearly and conspicuously state that existing customers will not be eligible. Furthermore, regarding the ( # 2 asterisk ) designation at the end of this paragraph, it is almost impossible to find. This is evidence of what was offered to me by a DISCOVER agent, that DISCOVER would match or double the miles of any user after using this credit card for 1 year.

For all these reasons, I am requesting all the MILES Ive earned be matched as the DISCOVER agent presented to me. I look forward to hearing from you!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I sent a letter with a copy of my social security card, utility bill, and photo id to update my personal information to only include my current information and to delete the other information reported by the credit agency on my credit file. No updates have been made as of XX/XX/2018.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX PM ( 2 days ago ) to me Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, I would like to file a complaint on Great Lakes Account # XXXX in the amount of a {$27000.00} Student Loan, I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking a relative and providing them with information regarding this debt advising. This violates 15 USC 1692 ( b ) ( 2 ) I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.