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

On XX/XX/22 I obtained my credit reports from XXXX, XXXX, and Equifax and these 3 companies are continuing to illegally furnished incorrect and inaccurate data on my credit reports for XXXX XXXX XXXX ( ACCT # XXXX ) and a XXXXXXXX XXXX acct that has not been validated and/or verified. After asking numerous times for validation of these debts and if I did in fact give authorization to these companies to legally use my personal information according to the FCRA no legal remedy has been made. They continually use my personal information without my consent I want it to stop immediately.
Complaint sub-issue: Public record information inaccurate

XXXX, XXXX, equifax, are in violation of the FCRA and i can consider their violation an act of identity theft. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. They are reporting a dismissed Bankuptcy on my credit report. I am aware that XXXX receive information from a third party verification system known as a pacer system and then sells this information to other collection agencies. The Pacer system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report
Complaint sub-issue: Account information incorrect

I was informed of some negative information on my report. I am aware that consumer reporting agencies have assumed a vital role and have a grave responsibility to protect my right to privacy. I am challenging the accuracy and compliance. I challenge the consumer reporting agency to documentation along with my signature. The failure to provide documentation is a violation of the FCRA and it is considered identity theft for the use of any information without the consent or written instruction of the consumer. The following accounts should be removed immediately without proof of documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also have an identity theft report for the inquiries that should be removed. The following : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I will seek remedy for any negligent and willful noncompliance.
Complaint sub-issue: Company closed your account

Hello I was just logged in to my CoinBase account at my XXXX vacation. CoinBase Auto Ban-Ip system banned my account suddenly. I just wanted to check my balance and to see charts and whats going on. It has been 2 months that i reached them about this case and i sent them all of my proof documents ( PASSPORT, Driver License, Bank Account Payments ) but i didnt get any results. Im still waiting for ID verification but i still dont get any response from www.coinbase.com.
Complaint sub-issue: Account status

The Collection was oaid in full on XXXX XXXX. 
XXXX of XXXX placed me in Collections on XXXX XXXX. I found out about the collection through a credit report. 
XXXX failed to send me a Bill, after I sold my home in XXXX 2014, even though they had the forwading adress and phone number. The Lack of proper due dilliegence by XXXX and their poor customer Service resulted in a collection becasue they could not bill me. My bills were received by Email - no emails were sent and no regular mail was sent. After 22 years as a cutomer for that house and never being late, this is aphauling. 
Proof of Payment on the collection was provided by XXXX on XXXX XXXX when I made the payment by phone immediatly after finding out about it being ion collections form a credit report - See below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, COMMISSIONER XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NORTH CAROLINA XXXX XXXX TELEPHONE ( XXXX ) XXXX XXXX Payment Verification Date : XXXX Customer Name : XXXX, XXXX Premise Location : XXXX XXXX XXXX XXXX XXXX, NC, XXXX Payment Date : XXXX Payment Amount : {$83.00} Comments : Customer 's account has a zero balance on the final bill. Thank you.
Complaint sub-issue: Account information incorrect

I never gave Equifax XXXX or XXXX consent to furnish a consumer report on me they are violations of my consumer rights as federal protected consumer Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Trouble using the card to pay a bill

I was issued a pay card by my HR department through USBank Focus pay card. My card was deactivated on XX/XX/XXXX, for an unknown reason. When I contacted the company on XX/XX/XXXX to inquire why my card was rejected when trying to pay my car payment, they stated that it had been deactivated on the above date. I asked why and they were unable to provide me a reason and stated they would look into the issue and it would be resolved. I attempted again to pay a bill on XX/XX/XXXX and it was again rejected. I contacted the company on XX/XX/XXXX and was told to fax a valid photo ID to verify the card and the issue would be resolved in 1 business day, which I did. Today, XX/XX/XXXX, the card is still unable to be used and when I contacted the company they were unable to tell me if the fax of my ID was ever received and stated it would be about 5 business days after they receive the ID to process the complaint and fix the card. They have had almost 2 full weeks to fix the card and have yet to do so or are unable to provide me with any answers when I call to inquire about the situation. I am completely unable to use the card and my checks are direct deposited onto the card.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

It's not my inquiries, i never applied for this companies. I don't recognize any of this inquiries.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2021, I XXXX XXXX the one who's credit is at question, wrote Equifax about a violation of the United States Code Law. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports To date, I have not received a reply or any acknowledgment that the deletion has begun. Please see my reasons for dispute below : 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. XXXX XXXX Account # XXXX As a consumer by law, this account listed must be deleted immediately. There is NO Third Party involved. I authorized XXXX  to investigate 2 times already, however there is nothing to investigate.
Complaint sub-issue: Problem using a debit or ATM card

A dispute was filed for an item not received, {$790.00} XXXX  XX/XX/XXXX,  package was deemed lost/stolen by the shipper, XXXX. A claim was filed, however, since the package had a signature release there is nothing XXXX could do to reimburse for loss to XXXX. Package was left in an unknown location with no signature it appears. I was in contact with several reps on merchant end regarding this loss/investigation, was given two contradicting stories pertaining to investigation, either it is still on going or it is closed and XXXX can not refund due to signature release.. I filed a dispute for loss as item not received, no signature for it.. It appears the claim was not filed correctly on Citibank end, a letter received on XXXX requests date of cancellation, there is no cancellation date ... I attempted to explain this to several Citibank reps, each person requested I put in writing what I told them, which was already done prior when dispute was filed..It appears the person ( s ) whom took claim did not enter it correctly, I explained to rep ( s ) at the time of dispute filing the package was lost/stolen and XXXX will not refund or issue store credit. However, it appears dispute was filed as an order cancellation, not for lost/stolen package..The claim needs to be updated to show lost/stolen, letters sent via fax as well as email state so, Citibank reps entered claim incorrectly
Complaint sub-issue: Problem getting your free annual credit report

I have attempted to retrieve my Equifax credit report from XXXX but am unable due to the system showing I have 4 active disputes and as long as the system thinks I have 3 active disputes it will not allow me to pull my credit report. I have brought this to Equifax attention on multiple occasions but nothing has happened with that. This issue has been ongoing for over 240 days. As you can see from the images my recent disputes are closed and the disputes before that are as well closed too. I confirmed with Equifax that the disputes confirmation # XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX are closed but they are showing them as still open. I also have not gotten the results from the disputes listed nor have I gotten the results from my recent disputes. I have not been able to pull my credit report since XX/XX/XXXX.
Complaint sub-issue: Problem with rewards from credit card

I had a XXXX credit card for two years with a platinum status, and I enrolled for XXXX  Thanks for sharing rewards program for {$25.00} last year, which is a 10 % in rewards program for XXXX  Card holder once a year. I have earned around {$2900.00} rewards by shopping at XXXX with my XXXX  card in XXXX. However, XXXX closed my account on XX/XX/XXXX without telling me reason why its closed over the phone. At that time I dont mind not continue use XXXX  card but I worried about my rewards that I had earned, so I called XXXX   customer service asking if I still would receive my thanks for sharing rewards even my account is closed, the answer I got was a Yes, the rewards card would be sent out XXXX-XX/XX/XXXX. And I have been waiting and waiting. During the beginning of XXXX I tried to call XXXX   customer service to ask when I can receive my rewards card, mostly I have to wait for 30 mins each call without any certain answer, however, on XX/XX/XXXX a representative told me he had reissue my rewards card and I would receive it in 5-10 business day, so I had waited till XX/XX/XXXX I made another call, this time I was told I wont be able to get my rewards card due to account closed. I was shocked and I Said that I paid for the program and I earned my rewards, if I didnt shop at XXXX  I wouldnt get a penny from it. However, I was just told we cant issue you the thanks for sharing rewards card due to your account closed, its not me who closed account!!
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL XXXX ) has been reporting on my credit report as a collection notice in the amount of ( {$320.00} ). This collection has been reported as a unpaid balance in collections. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. Collections is not from original creditor. I do not owe Enhanced Recovery Co L ( account # XXXX ) for the amount of {$320.00} I never heard of ( Enhanced Recovery Co L. ) I never did a contract with them.
Complaint sub-issue: Investigation took more than 30 days

Equifax follow up from Complaint ID XXXX Thanks for responding back to the complaint with the Cfpb. however You still DID not address my concerned. I DID NOT ASK YOU FOR CREDIT REPAIR ADVICE I ASKED AND WILL ASKED AGAIN! FOR YOU TO SEND ME THE ORGINIAL SIGNED DOCUMENETS THAT THE FEDERAL GOVERNMENT INSTRUCTED THE REPORTING AGENCIES TO HAVE IN YOUR POSSESSION AT ALL TIMES THE FCRA 609 ( A ) ( 1 ) ( A ) AND SECTION 611 ( A ) ( 1 ) ( A ) ALSO SECTION 611 ( 5 ( A ) BUT I'M NOT CONCERNED ABOUT GETTING THE CONTRACT ANYMORE BUT HOWEVER I'M CONCERNED THAT YOU FAILED TO INVESTIGATE WITHIN THE 30 DAYS THAT THE FCRA ALLOW THE REPORTING AGENCIES ALLOW YOU TO. PER THE FCRA IF AND SHALL NOT COMPLETE IN 30 DAYS THE ACCOUNTS MUST BE REMOVED I HAVE ALREADY NOTIFIED THE MN ATTORNEY GENERALS OFFICE WHO SHOULD BE IN CONTACT WITH YOU IN THE COMING DAYS ALSO I WILL FILE LAWSUIT IN FEDERAL COURT WITH IN THE NEXT 5 DAYS SO HELP ME GOOD WITH ALL OF YOUR BURGAGE YOU SENT IN YOUR REPONSE YOU WILL NOT SEND ANYTHING VIA THE CFPB WEBSITE JUST CURIOUS YOU DON'T HAVE THE ORIGINAL CONTRACT DO YOU? IF NOT WHY DON'T YOU PLEASE ANSWER YOU ARE BREAKING THE LAW EQUIFAX. BUT REMOVED ALL ACCOUNTS LISTED ON THE PRIVIOUS COMPLAINT. ALSO TO ANSWER YOUR QUESTION FROM PRIOR YOU ARE EXACTLY RIGHT CREDIT REPAIR COMPANY CAN'T HELP ME AT THIS POINT BUT GUESS WHAT YOU CAN BY REMOVING THE ITEMS THAT YOU FAIL TO INVESTIGATE IN 30 DAYS! 
THANK YOU SO KINDLY LOOKING FORWARD TO WORKING WITH YOU IN THE COMING DAYS
Complaint sub-issue: Information belongs to someone else

TRYING TO GET SOME HELP CLEARING MY NAME FROM THIS ACCOUNT THAT APPEARS ON MY CREDIT REPORT
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved XXXX  the process. Upon reviewing my updates, incorrect personal pieces of information were found in  my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, XXXX  continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports XXXX  need XXXX delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MS XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

XXXX XXXX I took out a personal loan with Climb Credit ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX ) to attend a cybersecurity certification program with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ). I was approved for a {$10000.00} loan and was required to pay {$500.00} of my own money directly to XXXX XXXX XXXX. I was slated to begin the course XX/XX/XXXX. Mid XXXX, I received an email from XXXX XXXXXXXX XXXX advising that the start date was pushed back to XX/XX/XXXX. After receiving that email in early XXXX, I reached out to the XXXX of XXXX with XXXX to see if any additional action was needed for me to continue with the XX/XX/XXXX start date. I was advised directly at this time that my XXXX loan was returned to Climb Credit and that I would need to speak with them regarding any further information for my loan. I asked if I would be refunded by XXXX for the {$500.00} deposit and it was returned to me immediately. I then reached out to Climb Credit and told advised that the loan return was initiated by XXXX XXXX on XX/XX/XXXX ( almost 2 months prior to my notification ) but XXXX XXXX failed to actually return the funds. Since XXXX, I have received many different responses from XXXX XXXX XXXX. Initially, I was told that funds were returned. After letting XXXX know that Climb said the funds were never returned, I was told that the funds would be returned immediately and to allow 30 days. Next, I was advised by a new XXXX XXXX XXXX that they were looking into the issue or that they would contact me back. Each time, no one follows up with me or keeps their word. I always have to reach out to them. Now, XXXX XXXX has stopped responding to my inquiries. This has been ongoing since Mid XXXX XXXX XXXX Climb Credit responds but insists that XXXX XXXX XXXX has not returned the funds. To date, I have asked for a statement of my account as well as the wire transfer number for the transfer of funds back to the loan servicer and XXXX XXXX has not provided anything. The loan payments continue to be debited from my account by XXXX XXXX on a monthly cadence and is accruing interest. I have never attended orientation or a class because I was advised that I was unable to do so citing that because the loan was returned, I would need to reapply and secure funds a second time. What are my options? What are my next steps to recovering the funds for this loan? It is impacting my credit and my ability to secure a different loan for a different institution.
Complaint sub-issue: Debt is not yours

You dis not even read my complaint XXXX Someone else 's signature, not my address that is on opposite side of the world. Not my credit card being used to pay for the apartment. My signature not even on it. Your allowing someone else 's signature to be used on a debt against me.
Complaint sub-issue: Reporting company used your report improperly

we have an account since XXXX with best buy, never being an issue.The account being in good standing since than and until XXXX ( 13 years ) XXXX find out : the account unexpected and suddenly was close by Best buy with no warning/notification or reason/ before closing an account in good standing since XXXX XXXX until XXXX XXXX XXXX XXXX find out in Best Buy store when trying to make a purchase & the system give errors.A store asociate call the main number Best Buy, that " the acount was close, suposely for " Inactivites ''. i said i dont understand never was late, nobody give anywarning that the acount will be close for " inactivites ''. Ask the store asociate to call back because maybe was a mistake, as I made a last purchase in XXXX. The second call to main Best Buy number phone operator say she can not see the reason why was close, to connect me to someone else. for unknow reason the phone was disconect ( me being in the Best BUy store talking from they phone line. Calling back ( 3time ) a person said that the acount was close for " sever delinquency '' from XXXX ''. i said the acount since XXXX never was a problem and is in good standing, evrything is payed, teling me to apply again and haresting me if i remember in the contact saying that Best Buy have the right to close the account if in XXXX showing up " serious delinquency '' i said no was any warning any notification of what you doing.i dont remember is long time ago, but to send me the contract where is saying this and the XXXX no have nothing to do with best buy acount in good standing.him refuse and told me to give me someone else over the phone. someone else saying the same asking to send the contract refuse, asking to restore the account refuse.Told him that i will make an complaint to XXXX and FTC, him don`t care.There was NOissues with the payments, the payment was law of XXXX $ XXXX, no was any financial treats to them, no legitimate reason to close the account after 13 years.I dont know what they doing when close the account, what lying they put on XXXX. don`t speak very well english. Best Buy perversely closing the acount without any legitimate reason, as the account was in good standing for 13 years, knowing that if i reapply again i will be rejected. they don`t have any legitimate reason to close and account in good standing, just because someone have a bad credit, creating more problem to this person credit score, by closing the acount. what i am disputing is the " unlawfully closing the account. ''
Complaint sub-issue: Reporting company used your report improperly

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. 

Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX, XXXX Account Number : 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Public record information inaccurate

I have reached out to experian a number of times to get my information on my credit report corrected. I am tired of going back and forth to have correct information updated and removed that is inaccurately reporting. 

There is a bankruptcy that is inaccurately reporting that needs to be removed. I have attempted several times to have the information removed and have yet to have it corrected. I know the information is not reporting with XXXX XXXX like XXXX  advises time after time in letters sent. XXXX XXXX does not have any record of a bankruptcy an this information needs to be removed from my public record sections. 

I also have inaccurate inquiries reporting that need to be removed I did not apply for credit these are inaccurate. I am not going to the creditors to ask for removal since I never applied XXXX  is reporting and XXXX  needs to remove the following inquires XXXX XXXX/XXXX XXXX Comp XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax Mortgage XXXX XX/XX/XXXX Equifax : I have disputed the following inquires with Equifax and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly Equifax is the ones reporting and the ones that need to make a corrections to these fraudulent inquires Equifax Mortgage XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have disputed the following inquires with TransUnion and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires Equifax XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XX/XX/XXXX