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

XX/XX/XXXX, XXXX XXXX has reported delinquencies and my credit file ( with XXXX, Equifax, XXXX ) and continues to post this account as an active account and the account is charged off & closed since XXXX ( {$14000.00} my file saying that I owe after the vehicle was repossessed, and the finance amount was allegedly {$17000.00} ). The car was repossessed XXXXXXXX XXXX  XXXX, while my XXXX XXXX child sat in the passenger seat at XXXXI filed a police report on that date against them as well. I have asked all 3 credit bureaus to investigate, to remove this item, and they have not complied. They are also in violation of Georgia law XXXX  code 9-3-25. 

As of XXXX XXXX XXXX, Equifax XXXX XXXX has reported XXXX XXXX to all three bureaus that I owe {$240.00}, this is a closed collection. I have asked that it be removed, they have not complied. 

As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX, has shown up on all 3 credit files as delinquent in the amount of {$1800.00}. This is incorrect information and I've asked for it to be removed. 
As of XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX has shown up on all 3 credit bureaus that I owe {$1800.00} I've never had a device with this company and I have asked that they remove this item multiple times. 

XXXX & XXXX both have listed my student loans with Dept of EducationXXXX with incorrect amounts, dates & delinquencies. I have asked that they be removed. 

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 instructions
Complaint sub-issue: Fee problem

Banking fees charged to my account excessively. The more funds added to my account the more fees popped up. Opened account XX/XX/XXXX. No additional fees up to Mid XXXX. 

XXXX deposited {$13000.00} fees assessed were {$240.00} XXXX {$28000.00} fees assessed {$70.00} XXXX {$14000.00} fees assessed {$1000.00} As of today XX/XX/XXXX ... .My account is $ XXXX I have had to take out 3 loans and I am still unable to keep a positive balance. I have made disputes and requested my account be reviewed and I have only received {$700.00} returned to my account. Deposits are being made but I can no longer keep up with my growing negative balance. Please help!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 I applied on line qith my current mortgage company for a 2nd home loan. I was denied. Immediately, after that I started getting calls from representatives from XXXX XXXX but in a different department attempting to offer me a new FHA rate. I said no to at least 3 different people and I asked them to remove my information but that did not happen. So on XX/XX/2019. I receive a call from another XXXX representative XXXX XXXX and I finally agree to listen to his sales pitch but it would have to wait until XXXX later that day because I was at work. I explained to XXXX that I did not want my credit ran a 2nd time because his company had just ran my credit 6 days ago and he should be able to use that. At XXXX XXXX, XXXX I get a notification that a hard inquiry had been added on all 3 credit reports. Shortly after I get a call from XXXX. I advised XXXX that I did not authorize another inquiry and I am very upset by this. I asked them to contact the agencies and have the inquiry removed due to it was unauthorized and fraudulently pulled. Matter of fact it was done without me being on the phone. XXXX 's superior was listening in and took over the call. He argued me down that this would not impact my credit. I advised him I dont care I want it removed because it was done without my knowledge and consent. He continued to stress his point. I got no resolve from him. I need this inquiry removed from my credit report with all 3 credit bureaus
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax once in XXXX and a second time in XXXX regarding reporting inaccurate information concerning XXXX XXXX. Equifax is reporting an open date with XXXX XXXX of XX/XX/XXXX. One I have never opened an account with XXXX XXXX and they refuse to send me any kind of contract or documentation with me and XXXX XXXX. Two, Equifax is reporting a last active date of XX/XX/XXXX. How can there be an open date of XX/XX/XXXX and last active of XX/XX/XXXX? Last, Equifax is reporting a date of last payment of XX/XX/XXXX. I have never made a payment to XXXX XXXX and how can there be an open date of XX/XX/XXXX and last payment date of XX/XX/XXXX? Equifax has once again responded that this information is accurate.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX XXXX  HAVE FRAUDULENT INQUIRIES FOR FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Problem getting your free annual credit report

Equifax has failed to provide me with a free credit report ; to which I am entitled.

I get, instead, pitches to buy stuff from them ... like, really, buy credit monitoring from a group that has had one of the biggest data breaches in history???

I also get told that " the system is down '' each time I call or email them ....

I want my free credit report, and so does my Wife.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I sent letters about incorrect and inaccurate information reporting to my credit report. I have yet to receive any information about these items I requested be investigated. At this point and time I feel that I am being taken advantage of and my disputes and are being ignored. I have done everything on my end to work with the credit bureaus to get this resolved and still nothing has been done. Section 611 ( a ) states failure to investigate these items within 30 days gives reason for those items to be immediately deleted from my credit report promptly. Ive been a victim of identity theft and have also sent them the FTC report and being a victim of the Equifax data breach, so I demand these accounts be deleted from my credit report while I am filing litigation for the stress and negative impact this has had on my life.
Complaint sub-issue: Trouble getting a working replacement card

Four Visa prepaid debit cards were purchased for my personal use at XXXX grocery store around XX/XX/2022. Each card was initially loaded with {$500.00}. Shortly after purchase I registered and activated the cards at XXXX At or around XX/XX/XXXX I tried to use the cards at XXXX and the cards did not work. At this time I called the number on the back of the card and spoke to a representative. The customer service representative said that the card was potentially compromised and a new card would be issued. I verified my personal information including address with the rep and she said a new card would be sent out and arrive within 1-2 weeks. I repeated this process for all 4 cards. 

The four replacement cards never arrived after 3-4 weeks, so I called in again. The rep said that the cards may have been lost in the mail and that new replacement cards would be sent again. Again I had to make this same call four separate times for each card. 

After another 3-4 weeks passed, I had yet to receive any of the cards so I called in again. The rep again said the cards might have been lost in the mail and that she would need to replace a second time. At this point I did not believe these cards were lost in the mail as the likelihood of this happening 8 times is extremely small. On all four separate calls with customer service support I asked to speak to a supervisor - and all four times I was told they were either on break or busy with another customer. The rep each time assured me this would not happen again and processed a replacement for me. I had to repeat this phone call 4 times ( they can't process more than one card at a time ) Amazingly, after another 3-4 weeks these cards again never arrived. At this point my frustration is through the roof and I called about 2 of the cards. The rep for each card said that it would be best to change my address on file to see if the cards will arrive at a new address. For these two cards I updated my address to a XXXX box I own. I received a change of address form in the mail but after 3-4 weeks the replacement cards still haven't shown up. 

Over 3 months have passed since the original purchase of the 4 {$500.00} cards and I've attempted to replace 2 of the cards 4 separate times and the other 2 cards 3 different times and nothing is working. I believe I have gone above and beyond to attempt to resolve this with the company and I would appreciate any help to resolve this matter. 

I can provide all card # 's when necessary. I still have they original 4 physical cards in my possession. Ultimately I would either like these cards activated so that I can use or 4 new cards to be actually sent to me.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This company was formally " XXXX XXXX '' There was a settlement for XXXX according to the Virginia Attorney General 's office. Now they are operating under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I have filed a previous complaint ( # XXXX ). They sent me a payment arrangement schedule.
Complaint sub-issue: Didn't receive enough information to verify debt

Tek collect ( XXXX XXXX XXXX XXXX Ohio XXXX ) will not send me the information that I am asking for to validate this debt. Nothing that bares my signature, nothing showing I entered into a contract with this company, proof they are allowed to collect in my state etc. All they keep sending me are computer generated invoices with another companies name on it. I do not know Tek collect, nor have I ever done any business with Tek collect. But yet they continue to report this negative information on my credit and say that I owe them XXXX dollars. It keeps getting deleted than reappearing on my credit report
Complaint sub-issue: Account status incorrect

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$950.00} XXXX XXXX XXXX Balance : {$890.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}
Complaint sub-issue: Problem with customer service

Loan paid in full. Have requested negative marks to be removed multiple times
Complaint sub-issue: Information belongs to someone else

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXX/XX/2022
Complaint sub-issue: Information is missing that should be on the report

XXXX and equifax showing my mortgage closed. i have never stopped making payments. i have copy of payment history up until XX/XX/2018 2018
Complaint sub-issue: Information belongs to someone else

Total/XXXX XXXX XXXX, XXXX and XXXX are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my XXXX and XXXX credit reports when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. On XX/XX/2020 I sent the attached letter to Total Card inc. at the address specified by a Total Card/XXXX XXXX XXXX representative on XX/XX/2020 at XXXX XXXX  to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called Total Card/XXXX XXXX XXXX on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX   complaints for Total Card shows I am not the only person that has experienced extreme difficulties in Total Card/XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus. XXXX XXXX  XXXX
Complaint sub-issue: Public record information inaccurate

I have a USBK COURT XXXX MISSOURI CHAPTER XXXX Bankruptcy on all three of my credit reports. I have challenged it with all three bureaus in last 12 months every time the bureaus say ask for it to be deleted from my credit file because it is not mine. But every time they say it is verified as accurate. I have asked for the method of verification and not got anything about how they verified Bankruptcy I have not filed bankruptcy in any state. I contract Missouri courthouse and got a letter back stating that they don't verify any information with credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

All 3 credit reporting agencies are reporting an account from XXXX XXXX XXXX that Ive disputed and asked to validate the debt on. 
I have asked them to provide the original contract with my signature on it - the creditor could only provide me a fraudulent contract that had Copy stamped on it with the words e-signature on the contract. This fraudulent piece of information had on it information that I never provided the company nor would I have signed including # of car payments and # of mortgage payments I had left to pay - this company pulled my credit report and tried to create a contract to submit for validation because I requested it. The credit reporting agencies are supposed to protect me and do the due diligence needed to detect fraud and in this case have not done so. I have numerous complaints written to them including XX/XX/XXXX and XX/XX/XXXX. I would also like XXXX XXXX XXXX investigated as they DEFINITELY are breaking the law and even tried to sue me based off of this same fraudulent contract - and the judge threw it out. I understand that I can only complain about 3 companies at a time on this complaint. 

I sincerely ask for your assistance in figuring out what the credit agencies have done about this as well as how XXXX XXXX XXXX keeps its records and reports its debts. 

Thank you.
Complaint sub-issue: Account information incorrect

I financed a car with XXXX XXXX XXXX. According to the document, loan amount was for {$22000.00}. I started making payments on XXXX and its now XX/XX/XXXX and yet have they updated my credit file with those payments. 
In addition, according to my credit file, it reflects that the balance owed is {$45.00} more than initially loaned. 
Ive inquired with the company on multiple occasions but never got a answer as to why. When I went to make my last payment, first week of XXXX, I asked the receptionist if I can speak with someone regarding the credit reporting in which she had a conversation by phone with someone else and eventually told me theres no one that can assist me. I asked for a supervisor or manager and was told no one was there. I asked for a number and given one only for that to be directed to the receptionist. Thats very unprofessional.
Complaint sub-issue: Other problem getting your report or credit score

I'm in the middle of a mortgage application and need to have a settlement on a property soon and my lender is not able to pull my Equifax report. I have called Equifax and they said there are no freeze or lock or fraud alerts on my report now. I have had problems with Equifax for a long time.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against The Bureaus , Inc. for committing identity theft. I have never given The Bureaus , Inc. any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with The Bureaus, Inc., and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving The Bureaus , Inc. any right to collect on this alleged debt. It is in my belief that The Bureaus , Inc. are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from The Bureaus , Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If The Bureaus, Inc. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until The Bureaus, Inc. can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and The Bureaus , Inc. continues its collection efforts, I will file for litigation for actual damages caused and The Bureaus, Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting an address that is not mine. I have disputed but they have yet to remove. This address XXXX XXXX XXXX XXXX, CT XXXX is reporting on my credit report and I have never lived there. Then there are 2 creditors listing as XXXX/XXXX, I have never had an account with this company. Then they are reporting XXXX-XXXX Inquiry : XX/XX/2018, I spoke to XXXX in regards to the fraudulent inquiry and they informed me that they requested for Equifax to delete the fraudulent inquiry but yet it has not been deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

I have loan with XXXX XXXX XXXX XXXX XXXX XXXX  I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 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: Information belongs to someone else

There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or error.
Complaint sub-issue: Information belongs to someone else

My SSN last XXXX digits XXXX. My identity has been stolen.Someone has access to my personal information and has been ruining my credit making outrageous purchases. I have no knowledge of who or what this can be.Enhanced Recovery Co, account number xxxxx XXXX account XXXX collection. Report balance {$2500.00}. Date opened XX/XX/XXXX. Date reported XX/XX/XXXX. XXXX XXXX, date reported XX/XX/XXXX. Date assigned XXXX/XXXX/XXXX. XXXX {$840.00}. Status date XX/XX/XXXX. Account number xxxxxxxxxxxxxx XXXX. XXXX Date reported XX/XX/XXXX. Date assigned XX/XX/XXXX. XXXX {$24000.00}. Status date XX/XX/XXXX. Account number xxxxxxxx XXXX. Inquiries are not mines ether.
Complaint sub-issue: Information belongs to someone else

I asked Equifax to block information related to ID Theft. I supplied the police reports and the information needed to do this. They replied that " We have verified the information belongs to you ''. I asked Equifax for how they did this. They stated " Well the creditor stated it was your account ''. I told them it was not and had the police report. They then stated " We just do what the creditors tell us. They state it is yours then we report it. If you disagree then take it up with the creditor not us, we just report the information ''. At this point they refuse to do anything further. This is the from my dispute on XX/XX/2021.