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

In accordance with the Fair credit reporting act the list of acounts below has violated my federally protected rights to privacy and confidentiality under 15USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15USC1681 section 602a States that I have the right to privacy.

15USC1681 section 604 ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c section ( a ) ( 5 ) States no sonsumer 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.

15USC1681s2 ( 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: Reporting company used your report improperly

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. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX XXXX there is some inaccurate information reporting. XXXX  XXXX XXXX Account Number : XXXX Delete this account. 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Debt is not yours

I NEVER EVER FAILED TO PAY A DEBT. I have no debts. By the time they claimed that XXXX wasnt paid I had full health insurance coverage!! 
The secretary at that Dr office XXXX XXXX XXXX XXXX was the one to suggest changing from XXXX to XXXX. 
I HAVE NO DEBT and they are ruining my credit score sending an amount of XXXX $ for a debt that it is NoT mine!

Stop doing it!
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

I have been trying to fix the problem with my consumer report with this company and I have been denied for many things regarding my credit. This is a defamation of my character. These are the following accounts below. 


XXXX XXXX XXXX  XXXX-Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX-Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account # XXXX
Complaint sub-issue: Old information reappears or never goes away

Date : XX/XX/12 Amount : {$17000.00} the account is well over 7 years and it is still reporting negatively on my credit report.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1800.00} High Balance {$1800.00} Remarks Collection account Creditor Contact Details No contact information has been reported by this creditor. 


all ftc violations and need to be removed as stated : XXXX  XXXX card service XXXX XXXX XXXX  XXXX XXXX  XXXX  auto finance XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

There is a derogatory account from XXXX XXXX XXXX appearing on my credit report. My last payment on this account was in XXXX of XXXX, as that is when I switched to XXXX, which I have to date. XXXX XXXX XXXX has since sold my debt to IC System. They state that the account was recently opened on XX/XX/XXXX which is FALSE. Im guessing that is when IC Systems acquired the debt. It has now been 7 years  since the last date of activity on the XXXX XXXX XXXX account. This debt should no longer be appearing on my credit report. IC systems has fraudulently stated Affected by natural disaster in the remarks section, as well as listed incorrect date the debt was opened. I am requesting that XXXX XXXX XXXX provide the signature page stating when the account was actually opened. IC Systems has blatantly provided false information to the credit bureaus in a gross and dishonest attempt to collect a debt that is now aged past 7 years. I would like this derogatory item removed from my credit report and a written apology from IC Systems.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.
Complaint sub-issue: Reporting company used your report improperly

I received a copy of my consumer report, and I noticed some late payments posted on my consumer report on a account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Maximum Accuracy. I have never been late on payments for XXXX ACCOUNT # XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payment be updated to on time as they should be as I was NEVER Late.
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 U.S.C. 1681. U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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 7 years. 15 U.S.C. 1681 s-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: Account status incorrect

As described in the attached text document, the basis for my complaint is the conflict of interest inherent in Equifax permitting false and fraudulent information to be included in my personal credit file, in promotion of their credit repair scam business and extort payment from me of {$19.00} per month for all eternity, to remove the very same false and fraudulent information Equifax has permitted to be placed there to begin with.
Complaint sub-issue: Problem getting report or credit score

all three credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at wells fargo bank and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card
Complaint sub-issue: Was not notified of investigation status or results

I reached out serval times to get a payment arrangement was not offered the help until today how ever I was recently reported as not current after serval failed attempts of trying to pay the minimum. I have communicated an asked them serval times when I was unable to work they told me over the phone they didnt have anything to offer months later I got an email stating they offer payment arrangements. Then I have tried to get a payment arrangement it wasnt until today I have finally made contact to get one finalized three months later. Completely ridiculous no one should have to go through. Horrible communication with this company. After several attempts of being persuaded into keeping my card open I was then put on a payment plan today. All of this could have been avoided if I was given the correct information the first time.
Complaint sub-issue: Funds not handled or disbursed as instructed

Please refer the attachment of my accounts with Citibank. I opened both a checking and savings account at the Citibank branch located at XXXX XXXX XXXX XXXX, XXXX back on XX/XX/2020. Bank manager XXXX XXXX confirmed that I would, as promoted, would earn {$300.00} for {$16000.00} ( my tuition money ) that I deposited in total on XX/XX/2020 after 3 months. In late XXXX when I went to the bank to ask wny {$300.00} was not deposited into my account, I was told it would mature at the end of XX/XX/2020. 

Again early late XXXX, I visited the branch to enquire why the money was not deposited, I was told by Mr. XXXX XXXX that he would request an investigation to see why {$300.00} deposit was not made and I would be notified in a week 's time. He advised that I should not close the accounts completely because I should have an open account for the deposit to take place. So I opened a basic checking account and savings accounts with deposits of {$1500.00} in Checking and {$500.00} in Savings Account. 

After 6 months since XX/XX/2020, when I opened the accounts, I requested my dad to call the bank why {$300.00} dollars was not deposited, he was told that the investigation, though requested by Mr. XXXX, did not take place. So I talked with the Manager Mr. XXXX, who would not, or could not, explain why the deposit was not made. Finally, this morning they said that an investigation would take place and, though they would not give me anything in writing, but Case Id Number : XXXX. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

Equifax no longer has my credit profile on their website when I log in to my account on equifax.com theres no credit summary for me and no credit score listed aswell literally zero information also when I login to my account on XXXX XXXX my equifax credit score hasnt been updated in two months and when I log in to XXXX to check my equifax report theres a message that reads Sorry, we can't show you today 's 3- bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I called to speak to someone at equifax about why my credit report hasnt been updated in two months and why theres no credit summary for me on their site and they said they can mail me my credit report which is fine but that doesnt fix the online issue Im having I need them to fix this so I can get regular updates on of my credit report on their website
Complaint sub-issue: Reporting company used your report improperly

My name was one of the ones included in the recent Equifax hack. As a credit-reporting agency, I feel like their Information Security team should be one of the best in the field, if not the best. I do not understand why simple bug in website coding allowed such a massive breach unless some portion of Information Security was grossly overlooked.
Complaint sub-issue: Reporting company used your report improperly

Equifax indicated that my personal information was likely involved in the recent breach to their systems. It does not immediately appear that there is any unexpected activity on my credit report, but to get the full reports I will have to access them by mail. I am also very concerned with the slow response to consumers as well as the ambiguous terms listed on the website they established for consumers to check whether their information was involved in the breach. It appeared to many until Equifax eventually made an announcement to clarify, that by checking for your involvement you were waiving your rights to class action lawsuits, and agreeing to arbitration to settle any issues raised by the breach. This ambiguity is unacceptable as it has led to many individuals expressing that they do not feel comfortable checking the safety of their personal information which Equifax was entrusted with.
Complaint sub-issue: Debt was result of identity theft

I received a debt collection bill from what was apparently a cell phone bill. It came to my current address but under my married name. I have been divorced and back to my maiden name for over 10 years and I never had a cell phone through XXXXXXXX XXXX DBA XXXX XXXX!!! Someone obviously used my information to obtain a phone or something fraudulently. It would be easy for someone to figure out who did the fraudulent activity by first figuring out where the phone actually went to. Because whoever received the phone is the one who fraudulently used my information to obtain it!!!!
Complaint sub-issue: Was not notified of investigation status or results

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and XXXX XXXX format formateignoring to report. 

U S DEPT OF EDXXXX Account ID : XXXX and XXXX and XXXX and XXXX I have exhausted all of my options to resolve this matter and I am now demanding that the account be deleted from my credit report due to being invalid and unverifiable. 
If there is no proof of debt ( in fact it was paid in full and never being late ) and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCR Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain loan.
Complaint sub-issue: Information belongs to someone else

credit agency reporting information from identity thief. Ive tried to dispute unauthorized usage off my identity for over a year to no avail.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : ( XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX of XXXX XXXX ) Account # XXXX, ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, ( XXXX XXXX  ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX  ) Account # XXXX, ( XXXX XXXXXXXX  ) Account # XXXX, ( XXXX XXXXXXXX XXXX ) Account # XXXX, ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX  ) Account XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the rights 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: Talked to a third party about my debt

This company sent a negative information as retaliation to my credit report. after I reported them to the XXXX. In my prevouis report they show the account as closed and not in their office. In checking my credit report they re aged the XXXX account. 

They stated in case number Case Number : XXXX Reference : XXXX, XXXX, & XXXX they showed they closed the account. 

This is against FRCA reporting and I demand compensation for pain and suffering volutarlery or through small claims court. 

I am also contacting my states attorney generals office for the tactics used by this company. 

here is the XXXX case against them. 

Case Number : XXXX Reference : XXXX, XXXX, & XXXX XXXX, XXXX : XXXX XXXX XXXXCase Number : XXXX Reference : XXXX, XXXX, & XXXXDear Consumer Financial Protection Bureau : This is in response to the complaint received from XXXX XXXX XXXX. 

XXXX separate accounts were placed with our office for collection to service the delinquent portions owed. 
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$260.00} and it was assigned the internal reference number XXXX. The account was later closed in our office and returned to XXXX on XXXX XXXX, XXXX. Our agency previously submitted a deletion for this account ; however it appears it was not processed correctly by the credit reporting agencies. In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all credit reporting agencies associated with the XXXX account and our office. The confirmation number for this request is XXXX. 
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$590.00} and it was assigned the internal reference number XXXX. On XXXX XXXX, XXXX, our agency sent an initial letter notifying XXXX XXXX that his previously disputed XXXX account was placed in our office for resolution to the address on file. Said letter also informs XXXX XXXX that an investigation of his dispute has been completed. Our agency has had no communication with XXXX XXXX regarding the account to date. 
In response to XXXX XXXX 's dispute, we have closed his account in our office and returned it to our client for further review. When an account is closed unpaid and returned to our client, our agency submits a deletion request to all credit reporting agencies associated with the account and our office. We will have no further contact with XXXX XXXX regarding the XXXX account. If he has further questions regarding the account he may contact our client directly at the address below : XXXX XXXX XXXX, CO XXXX
Complaint sub-issue: Old information reappears or never goes away

Equifax credit information services. Inc. Reporting an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. Equifax added the amount and reaged without informing consumers. This is against best practices. Letter was sent to Equifax to remove account as it was recorded inaccurately account was then removed by Equifax. Then opened and added on!. Several letters has been sent to Equifax with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments
Complaint sub-issue: Problem with fees

We got a bill for an annual fee for Citi Advantage card that we no longer used so we closed account. We have all our cc on paperless and pay in full monthly. So we saw a debit to our bank account for {$99.00} in XX/XX/XXXX and did not know what it was. So we contacted our bank XXXX and they said it was from Citi. We contacted Citi and using both my SS number and my wife 's they could not see any account in our name that we paid {$99.00} for. So XXXX returned this to our checking account. 
Three months later I received a collection letter for {$210.00}, with no mention for what. I found out after hours of calls it was from Citi. 
We have sent Citi a letter with supporting documentation of our bank account showing the charge and credit back in XX/XX/XXXX. 
We have received 2 notices confirming receipt of dispute on XX/XX/XXXX and XX/XX/XXXX. We still are getting monthly statements for this with interest so now it shows us owing {$210.00}. 
When I call the phone number on the dispute confirmation they tell me they can not find the account. 
Very frustrating since our XXXX score has always been over XXXX and we pay CITI over {$30000.00} per year on our Costco Visa. 
PLEASE HELP!
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, XXXX correctly reported my credit card balance of {$180.00} to my credit card to all three credit bureaus ; however, on XX/XX/XXXX they decided to change the balance for the Equifax report to a balance of {$1500.00}. This balance was correct prior to XX/XX/XXXX when I made a significant payment to bring it down ; however, my statement closing date on this credit card is XX/XX/XXXX and such the balance should have reflected {$180.00}. I instantly disputed it with Equifax and my dispute results were ready on XXXX XXXX stating that XXXX says the {$1500.00} balance is correct. I then started to compile my proof and fill out and certify mail XXXX their own dispute form and my proof of their error. I then headed to the local bank on XXXX and XXXX XXXX XXXX XXXX I spoke with a teller that got on the phone with XXXX XXXX from the disputes department. I was hoping by going to the bank that I would at least be able to fax the form over to them to expedite the process ; however, XXXX stated that when I made my payment on XX/XX/XXXX that they are going with the balance previous to that date. That no mistake was made. I confronted the teller with the fact that they reported it correctly at first and that I have no issues with their reporting to XXXX and XXXX. I was told that those are different bureaus. I also told them that it isn't normal for XXXX to report on XX/XX/XXXX the correct amount and to change it a couple days later to a balance prior to XX/XX/XXXX when the balance should reflect the statement date. I was told to call XXXX XXXX myself at ( XXXX ) XXXX ext. XXXX. This number isn't a working number and because he was the one conveying the information to the teller and it didn't go well, I didn't see the point in trying any further. Not to mention that he works in the dispute department. I am entitled to a fair and accurate credit report. I am not asking for anything out of the ordinary ; however, I feel that XXXX is mocking me in their handling of this issue by trying to make this issue seem normal when it clearly isn't. I wouldn't be surprised if they change the reporting with the other two bureaus to make this seem completely fine. I am frustrated. I have a fantastic relationship with XXXX. I want to stay a customer of this credit union, but I need a solution and not tellers and bankers that refuse to see their errors and to just justify mistakes that cost me a chunk off my credit score.
Complaint sub-issue: Problem with customer service

I am eligible for the PSLF Program. In the fall of XXXX, I submitted documentation to XXXX XXXX   but have still not received a status update despite reaching out to them numerous times. Each time, I have been told they are still working on going through the records. By my calculation, the first of my loans should be " forgiven '' in XX/XX/XXXX.