Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX I XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX I 9. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX  10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. Identity Theft XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Debt is not yours

XXXX XXXX is the company that has been harassing 's me thru a collection company OxigenXXXX collecting money that I don't owed them. They call my cell at all times which I have explained to them I don't owned anything to them. This harassment 's has cause me a nervous breakdown and XXXX My credit is excellent and this people want money out me which I don't owed to them. Please help me to report this company.
Complaint sub-issue: Problem during payment process

Discover credit card attract customer to use digital wallet to buy things on the internet. However when I using the card there is a unauthorized translation so I called and reported it to the discover. Yes, the unauthorized translation was canceled immediately and they sent me a new card. But the card cant add to XXXX XXXX  again. I tried to call discover but no one can really help me solve the problem, they transferred me through 7 agents and I have to tell them information again and again. It really wasted my time and no reliable system to help customer solve the problem. Because the online store can only return refund original way. My money is lost. And I dont know what to do because no one actually follow my case.
Complaint sub-issue: Not given enough info to verify debt

This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, ERC and if is now reporting again.
Complaint sub-issue: Account information incorrect

Equifax listed an account as delinquent when in fact the creditor simply has not updated payment status I have provided Equifax with proof that payments have been made on time and that all of my accounts are paid early and never late I contacted Equifax by phone and they refuse to correct their mistake. I discovered this situation while trying to get a credit increase so I could pay for funeral services my mother and was denied because Equifax reported I had " serious delinquencies '' when infact I have no delinquency!
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 can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Complaint sub-issue: Account information incorrect

My XXXX 's credit card starting with XXXX was opened XX/XX/XXXX. 

Ever since opening the account, I have had issues getting paper statements as well as paperless statements sent to me. A XXXX 's store associate informed me on XX/XX/XXXX that I need to make a payment and as soon as I got home, I made a payment. I wasn't even aware that I had a XXXX 's balance. I didn't get any calls, any letters in the mail and all my emails from XXXX XXXX XXXX were going to my " spam '' folder which I only discovered after the fact. 

My credit reports reflect late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

SSN XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I contacted Discover card about a {$3.00} charge from XXXX will not stop the charge because I do not have a serial number even though there is a chance that the product was returned to them..XXXX alleges they dont know what product so they wont cancel servicewhen I contacted Discover they directed me to XXXXno one wants to take ownershipI want charges reversed for 12 months or around {$50.00} and the charge to immediately stop
Complaint sub-issue: Information belongs to someone else

I am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft and I have filled out a report with the CFPB also, I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 



I demand that the following accounts be verified or removed immediately : The following account is not mine Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Need information about my balance/terms

Fedloan is trying to collect for loans against me that have no master promissory notes. Years worth of loans they say I owe, but they have no records of promissory notes for. 

I 've repeatedly asked for documentation that those loans are actually mine, and they referred me to my school. The XXXX fifth time I made the request for documentation, they sent me a fraud packet. Fedloan said my only option is to declare fraud. 

I think they are trying to collect on loans that I never agreed to. I do n't know if it was the school that made the error, or Fedloan, but there are tens of thousands of dollars in loans I never signed promissory notes for, and I get nowhere when I try to get answers.
Complaint sub-issue: Debt is not yours

My complaint is regards to Medical- XXXX XXXX XXXX reporting inaccurate information on my consumer credit report with XXXX  . As of XX/XX/XXXX, this account with Medical- XXXX XXXX XXXX shows an open account I did not open. I have disputed this account multiple times, and I ask XXXX XXXX to validate this debt. As of XX/XX/XXXX, XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX, I spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for me. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for me. Also, reached out to Tek Collect Agency, I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to Tek Collect Agency and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.
Complaint sub-issue: Deposits and withdrawals

MoneyLion checking account Cant activate my debit card that was mailed to me ... Cant transfer funds to linked external banking account ... {$500.00} was direct deposited on Friday XX/XX/XXXX ... Still cant access funds ... checking account currently has {$620.00} in it and I have no way to access it ...
Complaint sub-issue: Problem making or receiving payments

Citibank refuses to transfer the tax withheld into my name in connection with the termination of the XXXX XXXX. 

Citibank demands that brokerages indemnify and hold harmless Citibank, which many brokerages ( including mine ) refuse to do. 

The XXXX XXXX termination date was XX/XX/XXXX. 

The distribution associated with XXXX XXXX termination was XX/XX/XXXX. 

I held XXXX XXXX XXXX The amount of foreign taxes withheld amounted to {$36000.00} USD.
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX-2019 XXXX XXXX XXXX XXXX-2019 XXXX XXXX XXXX2019 XXXX XXXX XXXX-2019 XXXX XXXX XXXX XXXX XXXX2019 XXXX XXXX XXXX XXXX XXXX-2019 XXXX XXXX2019  XXXX XXXX-2019 XXXX XXXX XXXX-2019 XXXX XXXX XXXX-2019 XXXX XXXX XXXX XXXX XXXX XXXX2019 XXXX XXXX XXXX XXXX-2019
Complaint sub-issue: Threatened or suggested your credit would be damaged

I am requesting DELETION of the collections from AFNI, INC On XX/XX/2019 and XX/XX/2019, I returned equipment that we rented from XXXX that is worth approximately {$550.00} in balance ( could be {$540.00} according to the XXXX phone representative ). XXXX received the equipment and told me in the store on those dates that any balance owed to XXXX is now a XXXX balance and that they will make sure that my account reads XXXX balance to all associated departments. 
2. On XX/XX/2019 I received an alert from XXXX and XXXX that a Collection from AFNI was added to my credit file for a debt owed to XXXX for {$550.00}. I also saw that it was reported by them on XX/XX/2019. On the debt they reported that is owed to XXXX it stated that the balance date was XX/XX/2019. That is at least thirty-five days ( 35 ) after I returned ALL equipment to XXXX XXXX in XXXX GA store and have a XXXX balance in the XXXX location. 
3. This ERROR in their system that caused this problem occurred within their system. 
4. I received no warning that after I returned the equipment to XXXX that this collector named AFNI Inc. would post a debt that does not truly exist toward XXXX on my credit file with the Credit Bureau. Even to, there is NO debt owed to XXXX on and AFTER XXXX XX/XX/2019 because all equipment was returned to them in and AUTHORIZED EQUIPMENT RECEIPT LOCATION, an XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX - ( XXXX ) XXXX ), as evidenced by the receipts ATTACHED and the correspondence from them that I include. I have ALSO included the business cards of the representatives I dealt with PERSONALLY in the store. I have, with due diligence, recorded all communication with XXXX and my attempted communication with AFNI Inc . The attempted communication with AFNI Inc. proved useless, but it is recorded, and they were not helpful. XXXX conceded that it was XXXX ERROR / fault and I have it on recording conversations between themselves at the store in XXXX GA and XXXX customer service. They are also sending more information to me in connection with this apology and have stated that they will try to correct it also. It has caused me significant damage for the report of a recent collections on my credit file to my business dealings of such an insignificantly small amount of money that represents such recent activity of fiscal irresponsibility.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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. 


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. 


CONSUMER PORTFOLIO XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax PREMIUM - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX Auto Financing XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax TXXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX OF XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX EXXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' Equifax Inc. maintained improper security practices with sensitive consumer data. Signing up with " Equifaxsecurity2017.com '' further compromises consumers by requiring them to waive their right to legal recourse.
Complaint sub-issue: Their investigation did not fix an error on your report

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

Equifax credit solutions is holding a fraudulent credit card on my credit report. This happened over 8 years ago and aren't complying with FAIR CREDIT REPORTING AGENCIES LAWS AND SPECIAL SECTIONS.

My USAA CREDIT CARD WAS SENT TO " WHO KNOWS '' complete fraudulent person and I saw that I was robbed XXXX $ in 3 weeks. They have payments for fraudulent card on still good card and is messing my credit so much that it is putting my life in XXXX. So one card is fraud and second usaa card dates were put on wrong card. So fraudulent card should by year 's be off my report and the late payments should be off other card.
Complaint sub-issue: Account information incorrect

I mailed a dispute on XX/XX/XXXX & XX/XX/XXXX to XX/XX/XXXX regarding accounts Jefferson Capital System and XXXX, advising that both accounts are a result of fraud and do not belong to me. I contacted XX/XX/XXXX on XX/XX/XXXX and spoke to a representative by the name of XXXX. I inquired if a dispute had been received and confirmed that it had been mailed to XXXX. XXXX XXXX XXXX,XX/XX/XXXX XXXX. XXXX stated that no dispute had been received. I asked to be provided with a fax number to fax my dispute to, he stated that the fax was not working at this time. XX/XX/XXXX is being willfully non compliant and this is adversely affecting my credit. They have failed to respond to my written dispute according to the Fair Credit Reporting Act within the 45 day period required.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2022, I found out that there is a collection on my report from XXXX XXXX for {$650.00}. I do not have an account with XXXX. I have tried to dispute this Item with the company and It was unsuccessful. I currently have a fraud alert on my credit file and I believe that this is an action of fraud.
Complaint sub-issue: Reporting company used your report improperly

In accordance to the fair rights reporting act : XXXX BXXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX have all violated my rights. 

15 U.S.C. 1681 section 602 A : states I have a right to privacy.

15 U.S.C. 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I went to buy a new car and was told that only XXXX XXXX  would be used and it more than that has appeared on my credit report as shown below in attachment via Identity Theft Report.
Complaint sub-issue: Used obscene, profane, or other abusive language

I contacted Plaza Services LLC XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX on XX/XX/XXXX. We made a settlement agreement in the amount of {$3800.00} regarding a debt in the amount of {$6800.00} with the original creditor being XXXX XXXX. 

I made the {$3800.00} payment on XX/XX/XXXX with my XXXX XXXX   debit card ending in XXXX. I was told that the debt would show a status of settled for less than original amount and the account balance would be {$0.00} after Plaza Services ' next credit reporting cycle. 

I checked my credit report today, XX/XX/XXXX. Plaza Services reported on XX/XX/XXXX reflected my payment of {$3800.00} showing that I still owe 45 % of the original debt. 

I called Plaza to discuss why it does not reflect a XXXX balance on my credit report. The manager that I spoke with was very rude and lied to me stating that they had not reported my payment as of today 's date. 

I tried to explain that I was looking at the report while speaking with her. I asked why she was rude every time I spoke with her while trying to resolve a debt. Her response was that I was simply not getting the answers I wanted to hear. When I tried to explain that she did not answer my question she said " OH MY XXXX ''. I informed her that my calls were recorded and she hung up on me. 

I resolved multiple debts with other creditors the same day as Plaza services. I was never spoken to or treated negatively by any other creditor the way that I was by Plaza services. 

I have documentation of payment in the amount of {$3800.00} as well as proof that they did report on XX/XX/XXXX and that they did not honor the settlement agreement. I also have all calls recorded of communication with Plaza services. 

I am also filing a complaint with the FTC regarding FDCPA violations. I will forward the complaint number when I complete the process.