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

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Reporting company used your report improperly

LEXIS NEXIS IS IN VIOLATIONS OF 6 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 U.S.C 1681
Complaint sub-issue: Account opened as a result of fraud

On XXXX XXXX, XXXX I received a letter from Citi Bank that stated I was enrolled in Credit Protection Program. Since I have never had a banking account with Citi Bank I called the Citi Banks customer service on XXXX XXXX, XXXX. The Banks representative asked for my SSN and checked if there was any active bank account on my name. Luckily, there was none. However, the letter included the account ending number : XXXX and the Customer Reference number : XXXX. So obviously, there was some account opened in the past. 
I would like the CFPB to investigate this matter. I am very concerned of stolen identity and fraud. 
Thank you in advance
Complaint sub-issue: Personal information

I have XXXX late payments listed on my credit report because the monthly statements was sent to the wrong address.I have requested that all credit card companies sent my monthly statements to my XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX rather then XXXX XXXX XXXX, XXXX, Louisiana XXXX. The XXXX XXXX XXXX, XXXX, LA XXXX address is a box on the street which anyone can just come alone and steal mail out of this box on the highway.Send all mail to XXXX XXXX, XXXX, LA XXXX for security reasons so packages are not stolen if I 'm out of town on vacation or ill due to sickness.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I rarely use my Discover card anymore because their customer support no longer supports their customers. 

In this case, I bought a computer processor that turned out to be defective. The merchant, XXXX, does not respond to customer complaints and does not resolve issues with their sellers ' shipping defective merchandise. 

In this case, I received a defective CPU processor. I contacted XXXX to report the issue, and XXXX 's automated response was to disregard the issue. I opened a dispute via Discover, and after a few months, Discover came back siding with XXXX. 

I would not raise this issue other than Discover has made no attempt to contact me or request additional information regarding this issue. It would appear that Discover simply does a a cursory attempt to contact XXXX and accept any excuse provided to close the case. 

This is not the first time Ive had issues with Discovers customer support not conducting thorough investigations for disputes, but it is finally worth escalating, even if it is over a {$27.00} purchase.
Complaint sub-issue: Threatened arrest/jail if do not pay

Have received numerous calls at work and at home that are threatening and often during none business hours. Threats include jail, contacting my employer, visiting my place of employment. Another stating it is from XXXX dept. threatening to file a law suit and that the alligations were serious.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

In XXXX of XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX PA. This vehicle was financed through PNC Bank of XXXX. On XX/XX/XXXX, I contacted the bank for the amount of the total payoff. I was told that the payoff was {$25000.00}. I withdrew the money need for the payoff out of my personal bank account and purchased a cashier 's check from XXXX XXXX  in XXXX XXXX, for the amount of the payoff and sent it to PNC Bank.I have the bank statements to prove that this transaction was made. On or around XX/XX/XXXX, I was contacted by PNC Bank and told that my payment was received and that I would be expected to receive my title within a week or two. Within the time of me making the payment and them calling to say they received it PNC Bank attempted to take {$38000.00} from my bank account. My bank did not allow the payment to go through as it was not an authorized payment. A year later PNC Bank stated that they never received my payment, so I sent all the paperwork I had regarding this matter. Another year went by with no contact, and they again contacted me stating they did not receive the payoff amount, so once again I sent all of the paperwork, I had to them. On XX/XX/XXXX, at about XXXX XXXX XXXX came and repossessed the XXXX XXXX that was paid for. When I contacted PNC Bank, they stated that the payoff amount was for {$25000.00}. But they attempted to take {$38000.00} and it was not approved. When questioned why they would try to take {$12000.00} more than the total payoff they did not have an answer. PNC Bank is now stating that they did not receive the cashier 's check for the payoff. They told me that they wrote off the account and sent it to collections within the recent months. We also asked why if no payment was made why did they wait three years to do a repossession on the XXXX XXXX and their reason was they could not find it although it was always parked at the address on the title, insurance, registration, and loan agreement. The loan was in XXXX XXXX name, who is my mother, but I made all of the payments on said vehicle.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to XXXX, Equifax and XXXX  about two accounts that show different info on all 3 reports. I ask to have the two accounts validated Because I don't believe it is mine nor do i believe the account is a valid one since none of the info matches across all 3 reports.They are all failing to report accurate information which means they need to delete these account from my credit profile by law. 

Please see documents uploaded.
Complaint sub-issue: Information belongs to someone else

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXXXXXX XXXX  is reporting erroneous and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/2022 with Cease and Desist Letter and has yet to respond. XXXX is reporting false and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/XXXX, with Cease and Desist Letter and has yet to respond. In accordance with the Fair Credit Reporting Act, these companies are violating my rights : 15 USC 1681 602A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish account without written authorization
Complaint sub-issue: Information belongs to someone else

2nd Request..these are not my accounts.
Complaint sub-issue: Account information incorrect

This account IQ Data International is reporting inaccurate information on my credit report which is a violation of the FDCPA and also FCRA. Ive sent in validation letters on XX/XX/XXXX in which I receiver no response from them and also have documentation with the tracking number showing it was receive on XX/XX/XXXX. Theyre also reporting inaccurate DATE OF LAST ACTIVITY as XX/XX/XXXX in which it has been ILLEGALLY Re-aged and in violation. I have made no payments towards this account none this year and it should not reflect XX/XX/XXXX. Ive disputed this account twice with XXXX on XX/XX/XXXX & XX/XX/XXXX which it came back as verified but yet on my credit report it doesnt show that the account was even verified which is in violation with the FCRA of which I may collect up to {$1000.00} per violation which I intend on doing so unless settled. This account has shows that the account balance is higher than the actual HIGH BALANCE which is indeed inaccurate information. The debt company can not add any fees towards an account purchased from the original creditor, it may only collect what was originally owed which this is violation
Complaint sub-issue: Account information incorrect

Account was Paid miss communication and spoke with them it states wrong information I paid off the remaining balance mypay stop the allotment and I didn't know.
Complaint sub-issue: Debt was result of identity theft

Equifax on XX/XX/2018 I file with the CFPB a complaint ref XXXX you reponded you were working on dispute and more time was needed. It has now been over 60 days sense CFPB sent you the dispute and you are in violation. { remove this account at once forever for failuer to respond. it clearly shows that there is no evidence I own this account
Complaint sub-issue: Their investigation did not fix an error on your report

While reviewing my credit report I have noticed several accounts opened that don't belong to me. I haven't applied for theses accounts. There are variation of my name and address that I've never lived at on my report. 
XXXX XXXX XXXX Reference Number XXXX Dept Of Ed/XXXX   DEPT OF ED/XXXX  Consumer XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

They call me at least XXXX times a day. When I tell them I am not allowed to answer calls on my phone at work, they tell me they can not stop the calls because they put my number into an auto dialer. They have even called me on hollidays. The calls start at XXXX XXXX and go until XXXX XXXX. They have even said that consumer laws do not protect the consumer, but the creditor. Then they started calling my wife and even my dad who lives in another state, however, my number is the only number on the account.
Complaint sub-issue: Account information incorrect

I recently had my student loans consolidated through FedLoan. TransUnion originally reported all of the Dept of Ed/Navient loans consolidated into one FedLoan. A month after consolidation, 5 of the Dept of Ed/XXXX  accounts are now showing independently on my XXXX  profile reflecting different amounts of : {$7500.00}, {$5900.00}, {$5000.00}, {$1800.00}, and {$1400.00}. Ive reached out to FedLoan and XXXX about the accounts being consolidated as they originally were but the issue has yet to be fixed. My student loans should being showing as ONE and not 6. Please resolve this issue IMMEDIATELY.
Complaint sub-issue: Don't agree with the fees charged

I have an SUBSIDIZED loan that is been charge interest on, I believe that reason that this particular loan is SUBSIDIZED so I don't have to pay interest.
Complaint sub-issue: Problem with rewards from credit card

I recently discovered I had a rewards check mailed out to me which I did not receive. I was not even aware that one was sent and so was not on the look out for it. This is the Costco Anywhere visa. My account shows I earned the rewards and if they sent me a certificate I am requesting a copy of the certificate as Costco has offered to honor that if I can show even a copy of it. I am unable to get CitiBank to render a copy or even one I can print out. I earned the reward so I need to be enabled to get it. Please help. I am not even asking them for a new certificate but a mere copy of the lost one. Can you help? Or, if it was returned, then the original certificate. I will accept a fair exchange in the amount of {$100.00}.
Complaint sub-issue: Trouble with how payments are being handled

I am following up on my earlier complaint with CFPB in regards to my student loan servicer, FedLoan Servicing. CFPB closed out the complaint after receiving a response from FedLoan indicating that the issue would be resolved shortly. That was about 6 months ago and I have still heard *nothing* from FedLoan about the correct attribution of my Public Service Loan Forgiveness payments ( even after calling/emailing over 2 dozen times over the past many months ). I would like to reopen my case ( XXXX  ) to resolve the issue. I have also reached out to the Department of Education a few times about this ongoing issue, but they have been unable to assist me ( I have n't even received any info from the Dept. of Ed. about my case ).
Can anyone explain to me why it has been 9 months and FedLoan still can not accurately count the number of PSLF qualifying payments on my account? Or even why, after 9 months, no one from FedLoan can even tell me what 's going on other than to say that I have to wait longer?
Complaint sub-issue: Information belongs to someone else

It's not my accounts, I don't have any contracts with this companies.
Complaint sub-issue: Information belongs to someone else

The Credit reporting Agencies have been neglecting their duty to correct a consumer 's Credit File despite the multiple attempts to correct my Credit File via numerous Dispute letters and countless CFPB Complaints that I have been submitting to the Credit Bureaus. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. My information has been exposed in the Equifax data breach. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : 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 XXXXXXXX. Also, the Credit Bureaus have been claiming that the disputed accounts are verified and yet, they have not sent me copies of documents bearing my signature or proof of ownership to support the Credit Bureaus claims. This action by the Credit Bureaus is a clear violation of the consumer 's rights under the FCRA.
Complaint sub-issue: Debt was result of identity theft

Notice for Proof of Claim Account : I.C. System, IncXXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020 XXXX XXXX reported to Equifax bureau a hard inquietud under my name that I did not authorized.I contacted both Equifax and XXXX XXXX to clarity this issue and to creat and aleart on the Equifax bureau. They assured me everything was going to be clarify and required from me to contacted XXXX XXXX to let them know I was victim of identity theft. They were supposed to send al letter to equifax explaining that I never applied for XXXX XXXX credit Card inquiry and to request removzing this inquiry from my credit report. Up to date nothing is being done and this hard inquiry remains on My Equifax credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I initiated a dispute with Equifax in XX/XX/XXXX regarding a derogatory remark indicating a past due amount of {$58.00} with a medical facility in XXXX Texas. This past due bill was paid in XX/XX/XXXX/XX/XX/XXXX. 

I received an email telling me that my dispute had been completed ; however, when trying to access the information, the 'system ' would not let me in. I called Equifax on two occasions ... the most recent call being today, XX/XX/XXXX. 

I shared my concern with a female employee who told me only that the dispute had been completed but she would n't tell me the outcome. She transferred me to XXXX and he told me that I had called the wrong number and to call XXXX between XXXX XXXX and XXXX XXXX. I called the number at about XXXX XXXX and, through an automated system was told that the center was n't open and to call between XXXX XXXX  and XXXX XXXX! 

I check my credit score routinely. Currently, it is XXXX with XXXX and XXXX with Equifax. While many might view this as insignificant, I do not. I am concerned about Equifax 's information coupled with the gap between the two agencies. I am also concerned about the lack of customer support/customer information provided ( or not provided ) by Equifax. 

I appreciate any aide from CFPB. I can be reached via email to XXXX or by phone to XXXX. 


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

Formerly, I made an investigation of the accounts with inaccurate information being reported on my Credit report and after checking the Credit Bureaus ' response I recognized that some accounts are still incorrect, with a confirmed status. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. Please correct the following accounts : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/201XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019
Complaint sub-issue: Trouble with how payments are being handled

I spoke with my fed loan on XX/XX/22 about getting a refund on payments I made during the COVID forbearance, when I called back on XX/XX/22, they said they never put in the request. Balance is still not updated to reflect reinstatement of loan with the refund.