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

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction - You have 100 % left to pay on this collection. 

Balance {$2000.00} Highest Balance {$2000.00} Opened XXXX XXXX, XXXX  ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX  Closed No Info See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - You have 100 % left to pay on this collection. 

Balance {$610.00} Highest Balance {$610.00} Opened XXXX XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 

GO TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, CA XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft I have reached out to Equifax Credit Reporting Agency about my matter and they told me they would submit a dispute against the company. I have submitted to them a copy of my FTC fraud affidavit and the account is still showing on my credit report. According to FTC account should be removed immediately.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. 

XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in XXXX not reporng XXXX accurate XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once XXXX. Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) this account in XXXX not reporng XXXX accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX is furnishing a unauthorized inquiry on my reputation that i have disputed in 2021 and they have not verified accuracy in a timely manner according to the FCRA guidelines and have not performed their Grave responsibilities in confirming accuracy under the FCRA. EQUIFAX Is a Elaborate Mechanism under 15 U.S. Code 1681- Congressional findings and statement of purpose- who assumed its roll collecting my information against my consent and right to privacy. They function solely under the FCRA and CFPB. 

Equifax has all the documents pertaining to all my initial communications of dispute and have performed ill will and discriminated against me the consumer. 

Equifax is in violation of 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports -- for furnishing unauthorized inquiries without my written instructions Equifax is in violation of 15 U.S. Code 1681e - Compliance procedures -- they have not maintained reasonable procedures designed to avoid violations under 15 USC 1681b. 

Equifax is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy -- i have disputed a unauthorized item on my reputation and Equifax did not perform its duty to provide accuracy and verification of item in dispute with a timely responsible manner and have not removed disputed item from my reputation Equifax is in violation of 15 U.S. Code 1681c ( 5 ) - Requirements relating to information contained in consumer reports -- Equifax is furnishing fruadulant information hurting my reputation knowingly and willfully there for it is adverse information and a act of illwill -- Equifax is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies -- EQUIFAX falls under the definition of Person in Truth in Lending 1602 being a corporation and has furnished on my consumer report willingly having reasonable cause to believe that the information is inaccurate so there for are in violation. 

Equifax is in violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms -- Equifax has furnished a unauthorized inquiry despite my communications disputing said inquiry giving the perception i have some relationship with the third party and any possible debt for service -- Equifax is in violation of 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction -- under this federal law Equifax has not conducted a proper investigation and is willfully hurting my reputation in a act of ill will Equifax is liable for damages under 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance for the amount of {$1000.00} per violation for the total sum of {$7000.00}. I seek resolution of deletion of disputed item and remedy for incredible damages including XXXX, lack of sleep, XXXX XXXX XXXX, frustration and XXXX.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

AFNI Keeps contacting me informing me that i owe XXXX from an old XXXX XXXX XXXX phone that was swapped to a new account years ago. I contacted XXXX XXXX XXXX and they indicated the account was paid in full otherwise they would not have moved my number to a new account ( XXXX XXXX XXXX policy ). I contacted AFNI and wrote to them indicating the account was paid in full. While on the phone they informed me my credit score would be taking a hit very soon so " SURE hope i wasn't going for any loans soon ''. They also said even if i was successful in getting it removed from my score history it would take a long time and what was my time worth. I told them several time i did not owe the money but they continued their threats. This feels like extortion and intimidation and it is unfair to consumers. 

Now they are requesting Identity Theft Victim complaint information from me. 
They want me to send them 6 pages of personal information.
Complaint sub-issue: Debt was result of identity theft

I received 2 calls from FMA Alliance, one on XX/XX/XXXX and one on XX/XX/XXXX. They stated in reference to XXXX XXXX. They wanted my date of birth which I would not give them. On XX/XX/XXXX I went to XXXX XXXX and requested why is a collection agency calling me. I was told that some one took out Online accounts using my name and my SS # in another state, North Carolina in XX/XX/XXXX. The Bank referred the accounts to FMA Alliance. I have since filed a complaint with FTC Identity Theft and sent Letters to both XXXX XXXX  and FMA Alliance. XXXX XXXX did respond to me with an apology and closure of accounts. However, FMA Alliance after two Letters have not responded to me. As per the USPS they have received my letters. I do want some acknowledgement from them as they did contact me re this identity theft. I also sent them some of my Identifications. I want a response from them.
Complaint sub-issue: Banking errors

On XX/XX/XXXX I was in my home town shopping at Costco with my family, when I left I was alerted by my bank that fraudulent charges may have accrued. I immediately called my bank and filed a clam that these charges of {$100.00} {$100.00} {$100.00} {$99.00} {$99.00} were not made by me. They temporarily refunded the {$500.00} dollars to my account, while they investigated these charges. 
Today I got a letter from my bank saying that they are not able to honor my request for reimbursement. They will be debiting the full {$500.00} from my account. I am beside myself, I did nit make these charges. I don't ever withdraw cash from ATM 's this account activity is not normal form me how can thy do this? The charges were made 45 minuets away from where I was at the time. 
I thought my money was safe at Citi bank. I called my bank today and found out the dates and times of these transactions that proves that I could not have made these charges. Im now not able to pay my rent now, my account is going to charge me over draft fees my bank is not protecting me or my money from fraud and I need help in hope to fight this. I was unaware that I was supposed to file a police report, but I will be filing one tomorrow. Citi bank was completely unhelpful.
Complaint sub-issue: Debt was paid

The FedLoan Servicing within my credit monitoring service is showing 50 missed payments. However, my account was in forbearance while I was in school and having a new baby.
Complaint sub-issue: Other problem

Citi XXXX notified me once again of a reduction of my credit limit due to a company review of my account. Their action brought my account now to within a maxed-out range with credit bureaus. Upon checking my credit reports I did not find anything negative to justify their actions. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of citi Bank action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should go after company such as these for acting a predatory manner especially in the middle of a pandemic. Shame on them! 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Talked to a third-party about your debt

Tranfer acc to another lender never did a Contracts with Afini, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX also was never inform about this decisions, also calling me people that I dont know calling my job never receive letters the main company never discus with me nothing per hippa law my information shout be private not to send to people that never did Contracts with them also dispute all this on XXXX past more that 45 days no info receive?
Complaint sub-issue: Information belongs to someone else

I am writing this notice in reference to the initial dispute I filed about unauthorized items on my consumer credit report being identity theft. As a reminder, all consumer reporting agencies have to comply with the Fair Credit Reporting Act ( FCRA ) in its entirety. You are also required to provide fair, accurate & equitable reporting with respect for the consumers right to privacy. To reiterate, I am a victim of identity theft. I submitted the initial dispute with the following documents : Federal Trade Commission report, identity theft affidavit ( notarized ), proof of identity and a bill of particulars. In accordance with 15 USC 1681c-2, these items were supposed to be removed within four ( 4 ) days of receipt of notice. However, your company did not remove these fraudulent items from my consumer credit report which is causing me to experience adverse action when trying to acquire shelter, transportation and credit. To be clear, this dispute was NOT made in error, this dispute is NOT based on material misrepresentation of facts, and I did not obtain possession of goods or services as a result of any blocked transaction. This is NOT a frivolous claim, as I am the protected consumer initiating this dispute. These items are causing defamation to my character and harm to my mode of living. I made it clear that these unauthorized items are a result of identity theft. You have not provided me with your method of validating these items or any documentary evidence to prove these items belong to me as I requested over 30 days ago. E-Oscar is NOT a proper means of investigation. Your company will be held liable under the willful non-compliance section of the FCRA ( 15 USC 1681n ) if you do not remove these items indefinitely from my report. You will also be liable for any adverse action I experienced due to the furnishing of these inaccurate items. The evidence of adverse action has been attached to this notice. XXXX conducted a proper investigation and removed these items from my consumer credit report in their system in accordance with the FRCA. You are required to do the same. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please correct this error and remove these items in good faith or I will proceed with legal matters. All information has been forwarded to the State Attorney General, the XXXX XXXX XXXX the Consumer Financial Protection Bureau, the Federal Trade Commission, and the registered agent, CEO and CFO of your company. Please notify me in writing of a settlement offer to resolve this error as well as written notification that the items have been deleted within four ( 4 ) days of receiving this notice to avoid any further violations. Thank you in advance for your cooperation.
Complaint sub-issue: Received bad information about your loan

I am attaching a copy of my previous complaint and Sallie Mae 's response. I am also attaching an email I sent to Sallie Mae months ago which verifies that they have been sent the information they are claiming they do not have in order to process my XXXX discharge. My Doctor has clearly completed the prognosis and anyone who can read English can see that she stated " improvement not expected '' and she signed the document. What gives? They claim they do not have a document, when I give them the document for the XXXX time, they claim they need a different document that they've been given, when I resend them all the documents they turn around and claim they don't have them. Who is working at Sallie Mae a bunch of XXXX XXXX XXXX? 

I am filing this complaint because although they insist they do not have the required documentation, they have been provided the documentation numerous times.
Complaint sub-issue: Information belongs to someone else

FCRA violations : payments never late XXXX XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type
Complaint sub-issue: Talked to a third party about my debt

Alliance one found my sister in law XXXX and called her yesterday harassing her for my information regarding collecting a debt. I have no idea how they got her cell phone but my brother called me visibly upset to hear about my personalBusiness. I am ashamed they Let my family know whose business this does not concern. My privacy has been violated
Complaint sub-issue: Received bad information about your loan

I have worked for non-profits since XX/XX/XXXX and was told that all of my payments were eligible for Student Loan Forgiveness. When I applied for forgiveness in XX/XX/XXXX, I was told I have only made 8 eligible payments. I've asked XXXX XXXX XXXX to look into my account but have been waiting 8 MONTHS for them to update my account. Every time I call, they tell me it is being reviewed and in the expedited process but nothing has changed.
Complaint sub-issue: Information belongs to someone else

THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN WITH MY PHOTO ID AND SOCIAL SECURITY NUMBER SOMEONE USED MY INFORMATION WHICH I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Reporting company used your report improperly

Equifax mis-handled my data, leading to my private information ( SSN, DOB, address ) being exposed and leading to a life-long identify theft threat.
Complaint sub-issue: Billing dispute for services

XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX / DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA To whom it may concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the state of Missouri Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Credit Reporting Act
Complaint sub-issue: Personal information incorrect

I've sent the credit bureaus my information to update my personal information on my credit report but they have not done anything yet and it has been 2 months.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY XXXX showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to XXXX. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from XXXX ... note : IT'S MY ONLY BLEMISH ...

Original Debt : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX who totally botched : XXXX
Complaint sub-issue: Was not notified of investigation status or results

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Complaint sub-issue: Account information incorrect

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this item however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is seriously harming my credit score and this line item need to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

i have a medical debt on my credit report that does not belong to me, i have not seen or had this debt
Complaint sub-issue: Problem with fraud alerts

I do not owe any debt from Creditor " XXXX '' and never get any call for " XXXX XXXX XXXX '' Collection Agency but I see collection added to my Equifax Credit Report. I tried to contact collection agency but did not find proper information for contact. It seems to be fraud alerts. I did not find any way to dispute with Equifax for this fraud alert. Please escalate it to Equifax or some one as it is impacting my credit score.
Complaint sub-issue: Can't get other flexible options for repaying your loan

They do n't offer financing options for my financial situation. I think they look at income and do n't consider expenses. I am working 2 jobs just to pay my rent and they somehow think I can make about {$500.00} For 2 separate loans. My loans continues to be delinquent as I can not afford these paynents. This is a car payment and the interest keeps accumulating. I can not get ahead if I tried. I feel like I will dir with this debt. 

And it continues to affect my credit. I can not get a job making more money because in my industry companies pull your credit report. I feel stuck like a rat on a wheel.
Complaint sub-issue: Information belongs to someone else

I have submitted Numerous disputes regarding my credit report. None have been investigated. Please Advise.