Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

Due to inaccurate information being reported on my consumer reports by other CRAs without my permission and the immense hardship and suffering being caused to me because of this false reporting, I requested a copy of my consumer report from Lexis Nexis online in XX/XX/2022 and was denied online access. I was then forced to request my report be sent via mail. I just received a response to my request from Lexis Nexis to which they refused to process my request due to the fact that they are " unable to authenticate my identity ''. 
Lexis Nexis is requesting personal information that I the consumer do NOT feel comfortable sharing. I find this to be very invasive and in violation of my privacy. I have the right to know what is being reported on my report and I do not consent to being coerced to get a copy of my report.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Funds not handled or disbursed as instructed

President - i now opened a citibank checking XXXX and savings XXXX accounts. i needed to change my phone number from XXXX to XXXX i called they did that. i needed to get a text from XXXX to add them to my XXXX  checking XXXX i needed to receive a text. XXXX still had the old number. i called they said it takes 14 days to update. that needs to be fixed. my checking had three transfers {$2500.00} from XXXX XXXX that has been deposited and is available plus {$300.00} from XXXX. td bank is transferring {$2500.00} and {$1400.00} to my checking. it was started on the XXXX. i called yesterday. it was pending for three days. they said yesterday that it was scheduled to go in today. it didnt. {$35000.00} was transferred to citibank savings from XXXX XXXX that was pending for three days. a few minutes ago i went to that account and red account blocked is across savings only. so i need answers. i tried calling my they speak to low and i hung up twice to find out why this is. so im writing you and walking away from calling them since i never got a call or email professionally telling me this which should have happened and didnt. get back to me with there response in 15 days. ill wait but remember you, and the other fbi agents were declared the winners today by me. you defeated the us governments attempted candidates strategy of trying to end that governments problems. but i now realize that no ones causing me a problem except the person who im mad at the most with who wont leave my body ( remember?? ) and i dont know how to get him out. thank you, winners. do that now. signed president of the usa XXXX XXXX XXXX, XXXX XXXX est.
Complaint sub-issue: Their investigation did not fix an error on your report

US Bank is reporting incorrect info
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  REFUSES TO DELETE UNVERIFIED HARD CREDIT INQUIRIES OFF MY CREDIT FILE REPORT
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.
Complaint sub-issue: Debt is not yours

this company is attempting to collect a debt that is not owed, putting me further behind during a worldwide pandemic and damaging my credit score.
Complaint sub-issue: Didn't receive enough information to verify debt

ERC and XXXX are apparently collecting a debt from me and it is negatively affecting my report. I have n't been contacted by XXXX or ERC and I do not believe I actually owe a debt. I have paid XXXX for every service ever offered to me. I have been with XXXX for over 5 years now. Why does XXXX and ERC believe I owe them money. I have XXXX in my account ... why would I not pay an {$87.00} fee. DOES N'T MAKE SENSE. I could pay this but for some reason this report is false.
Complaint sub-issue: Received bad information about your loan

I am requesting proof that I am indeed the party that the US DEPT OF EDXXXX and NELNET/90000043873 are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The US DEPT OF ED/XXXX is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX ) this action might constitute fraud under both federal and state laws. I shall hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.
Complaint sub-issue: Debt is not yours

Debt Collection company MRS BPO , LLC is trying to collect on a debt I believe XXXX XXXX XXXX has not proved to be mine. I got a call from them and said it was not my information. I sent them a validation of debt letter and got a response with no social security number or birth date on the loan documents. I do not believe they have done anything wrong or harassing of me but I needed the debt to be proved it was me and they could not do that. This has nothing to do with me. They also provided me with a signature that says XXXX as my first name in docusign which could of been done anywhere and isn't even my first name as you can see in documents that are attached. It is not even my name and I always use my middle initial especially on loan documents. Unfortunately they are tasked with collecting this debt that XXXX XXXX XXXX refused to properly prove. I am uploading docs to show what MRS had sent me as prove which does nothing as I said no social security number is listed or birth date and the name is not even correct.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I didn't authorize these Inquiries and I am not benefiting from these Inquiries. XXXX  Date of inquiry XX/XX/2021, XXXX  Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XXXX XXXX XXXX 
XXXX XXXX  Date of inquiry XXXX
Complaint sub-issue: Information is not mine

XXXX XXXX lists an amount due of {$6500.00} XXXX {$7900.00} highest balance ) as a Collection/Charge-off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX XXXX This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be NOT owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in late XXXX 2015, a conference call was held between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report. Transunion has already responded and removed this item from my credit report. Equifax is the credit reporting agency that is still showing this derogatory item.
Complaint sub-issue: Debt resulted from identity theft

Todays date:XX/XX/XXXX To whom it may concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX AFNI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

So I sent a letter off on XX/XX/2021 Here is my tracking number # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802, no financial institution is supposed to share my information with third-party people. 

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Report provided to employer without your written authorization

Equifax allowed an UNAUTHORIZED entity XXXX do a hard pull to my credit file -- I DID NOT AUTHORIZE THIS.
Complaint sub-issue: Information is missing that should be on the report

I am trying to get a mortgage and my Federal Student loans are still showing on Fedloans and Studentaid.gov as owing. However on XX/XX/2022 Fedloans sent me a letter showing that I have qualified for the complete Public Service loan forgiveness. It's been over half a month and nothing is changed. On top of this my credit report is showing I have a over {$500.00} payment due to Fedloans. Which is not true..
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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX ) XXXX
Complaint sub-issue: Frequent or repeated calls

They started around the first of XXXX. They call saying they are from Discover Card and want to offer a savings rate for paying debts. I have told them I am already on a payment plan with Discover Card. I also tell them not to call again or add me to their do not call list. They continue to call several times a day. When I try to repeat that I am already on a payment plan and not to call again they hang up. They also try calling under another number.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations RemoveXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late fcra RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra see CFPB of the fcra violations RemoveXXXX  Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations see cfpb
Complaint sub-issue: Problem with customer service

XXXX XXXX refuses to accept my certification of employment to calculate the correct amount of payments I have made towards the PSLF program. I have given them everything they ask for and each time they send me a letter with a list of new " Missing Information. '' I have have sent in the form 4 times. The last time I even attached a letter with it telling them they can contact my employer to verify but each time they say for me to have my employer contact them.
Complaint sub-issue: Personal information incorrect

I already have disputed the inaccurate information and not even to receive a response back. There are names that do not belong to me and inaccurate information reporting on my credit file. Is anything going to be done??
Complaint sub-issue: Information belongs to someone else

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have opened multiple complaints passing over 20 since XXXX 2017 and all three Agencies were supposed to be updated and the same information via XXXX. I had freezes taken on and off the accounts our accounts in error by these agencies and that these agencies failed to honor. Our credit scores are low even though w e have paid down accounts and made arrangements to reduce high interest. This was supposed to be a favorable work while still paying our creditors on time. My wifes name is still wrong even though corrected multiple times. We have been hacked and turned down by creditors because of this for over 11 months causing ever PERSONAL FINACIAL HARM. We have done everything right and are still getting screwed. When will you do something about this?
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of fraud. I had discovered that credit cards had been applied for and used using my identity. The moment I learned of this, I immediately called Discover card services and notified them and told them to freeze the account. I was not sure exactly what else to tell them at that time. I then called XXXX XXXX and started an account. Some time after that I received a bill from Discover, and so then I called them, they kept asking if I wanted to stop account and get a new one. Their wording was very confusing and they just kept asking despite me telling them that this is fraud and they needed to stop the account. Some time after that I received a new Discover card in my name with a different account number, and also a bill for the fraud account. I then called Discover again and told them that I dont want an account and that its all done under an action of fraud. The lady got very mad and told me that this is what I requested. 
I filed an FTC report and went through the processes and ended up having to request the credit reporting beuros to block the information, they did block it, but months later they unblocked it. I then requested another investigation with both Discover and XXXX. They both said that the information was correct. 
I have letters from Discover stating that the account was found to be fraud and also four different account numbers on the papers from Discover. When I requested all informationf from Discover, they sent me only the paperwork with the original account number. I still have all the papers with the different account numbers and them stating the account was found to be fraud. Discover has cost me well over $ XXXX in failed transactions and so much more!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX of 2020 I had a fraud transaction on my Discover card for XXXX. I was never credited back for this transaction so I contacted Discover in XX/XX/2020 to see why. I was told the credit was placed on my old card and needed to be transferred to my new card. I have contacted Discover 4 times since including XX/XX/2020 and this has not been resolved. Discover is illegally not moving my funds to my new card so I have access. I am told every time wait 10 days. I have been waiting since XXXX. Move my XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX  consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX  and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors. 


I never had two separate student loans. Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely confirmed the accounts. I complained to the creditors about the duplicate  reporting - in writing - and even completed disputes with the credit reporting agencies. They were also ignored with no explanation whatsoever. 


Once again - I never maintained two separate student loan accounts. This companies ignored my concerns despite evidence to the contrary and complaints to the Equifax, XXXX and XXXX  consumer credit reporting agencies. My FICO credit scores have been severely impacted as these separate accounts report as collection entries. 

I now file my complaint to the CFPB seeking relief.
Complaint sub-issue: Their investigation did not fix an error on your report

A collections notice was put on my credit file even though I have a receipt showing the balance was paid in full many months prior to when the collection was filed. XXXX and XXXX have both removed the collection from my credit file but Equifax refuses to remove it. I have opened a dispute with them and they closed the investigation without removing the collection. I called them and they said that even though I had submitted the receipt that they were unable to remove the collection from my report. They then said that they could open another investigation. I have a mortgage that is on hold right now because they can not underwrite it with open disputes on my credit file. It's been over a month and I need this done!
Complaint sub-issue: Account information incorrect

You have not adhered to the following laws, XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. according to the federal trade commission regulation. Your investigation results are unlawful ; you have also unlawfully placed derogatory items on my credit report which in turn is causing me undue financial duress ; as you have not produced the original contract ( for XXXXnspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law
Complaint sub-issue: Their investigation did not fix an error on your report

as i have previously notified the bureaus before, I am a victim of identity theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 

1. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Was never late 2.XXXX Account Number : XXXX Was never late 3.XXXX Account Number : XXXX Please remove it from my credit report.

4.XXXX Account Number : XXXX 5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

6.XXXX & XXXX XXXX Account Number : XXXX Was never late 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: Impersonated an attorney or official

I was contacted by Enhanced Recovery of XXXX XXXX XXXX, XXXX, FL XXXX, XXXX regarding " several collection accounts ''. They would not identify these accounts and I was told that at XXXX Friday ( XXXX/XXXX/2015 ) I would be visited by the police who would have a warrant for my arrest. 
I asked them to provide me a written statement and was told I could read it in jail if I did n't pay " right now ''. 
When I refused and again requested a written bill, the collector became very abusive and told me he did n't have to give me anything in writing. I asked if he was familiar with the FDCPA and he told me that makes no difference to him and he would be enjoying the weekend while I was in jail.