Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

I am in the process of closing on my home. I pulled my reports on  XXXX   XXXX ,    2017 and no tice this new collection from "  Jefferson Capital System '' add to  my reports. Which caused my scores to drop. I never received any notification from this company. They just added this collection to my report. There is a 30 day validation before adding a collection to a consumer report. I never received anything to my home address to ask for validation from the collection agency. This is a third party collection agency. I never signed a legal binding contract with them. I am very  XXXX  about them adding this negative account to my reports. I am a week away from closing on my home. I need this account immediately removed from all three major credit reports IMMEDIATELY. This negative account will cause delay in my home ownership.. #  XXXX
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. 


XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
Credit Bureau XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Account information incorrect

I am hereby demanding any accounts displayed below be removed from my credit report immediately as they are not authorized to be there. Attached is my Copyright Notice and Power of Attorney Notice for your reference. These accounts are fraudulent I have sent notice to each creditor to answer the fraud and each creditor has remained silent. Any credit agency reporting them are in violation of the law and are at risk of a lawsuit : XXXX XXXX # XXXX XXXX XXXX-ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT ending in XXXX and XXXX XXXX XXXX/ XXXX ACCT XXXX XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX ACCT ending in XXXX XXXX -ACCT XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax often does n't remove negative items from credit report and are old inaccurate outdated information outdated inquiry which are hindered me from getting credit and increasing my credit score.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX  XXXX {$14000.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00} XXXX  XXXX {$4600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX : XXXX XXXX XXXXXXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A dispute developed between myself and XXXX XXXX XXXX ( now called XXXX XXXX ) regarding a delay in completing a residential construction project. They cut-off loan disbursements without any prior notification, including for costs already incurred. To resolve the dispute I provided an updated construction plan that was agreed to by both sides on XX/XX/2018. We proceeded with construction under the new plan. 

On XX/XX/XXXX XXXX announced undisclosed stipulations of a {$500.00} fee and additional inspections to be a part of the agreement. I rejected these additional stipulations on XX/XX/XXXX. 

On XX/XX/XXXX XXXX  made unauthorized hard inquiries on my credit report and also on my wife XXXX, possibly as retaliation. I informed XXXX on XX/XX/XXXX this was unauthorized and that they needed to stop doing this, reverse the inquiries and notify me this was done. They did not acknowledge this communication, nor address my concerns when I called on XX/XX/XXXX, nor acknowledge an additional mention of the problem on XX/XX/XXXX. 

XXXX also transferred the loan in question out of the local office, and also transferred an unrelated loan, possibly also as retaliation. I asked that they return the unrelated loan on XX/XX/XXXX, but they did not acknowledge the request.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2020 I sent all XXXX credit bureaus ( Equifax, XXXX, and XXXX ) removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX, Equifax, and XXXX XXXX agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX 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 : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX
Complaint sub-issue: Account status incorrect

Both of these accounts XXXX XXXX XXXX  XXXX acct # XXXX and XXXX XXXX  acct # XXXX are both reporting on EQUIFAX and not reporting on the other 2 bureaus ... ..you can see the major disparity between the credit scores of all 3 bureaus ... ..EQUIFAX is notorious for breaking the FCRA and not abiding by any rules or laws set in place to protect the consumer. XXXX XXXX should not be reporting ... .it was closed due to fraud and EQUIFAX just recently reported it 30 day late ... .XXXX XXXX is also a fraudulent account that EQUIFAX stated would be deleted per a recent complaint yet they are still reporting in on my credit report, no it is not an active an account but the negative account history on EQUIFAX is still there. BOTH of these accounts should be deleted immediately. I am in the process of retaining an attorney and pursing legal action. I was also a victim of EQUIFAX 's security breach. Please do the right thing and remove both of these accounts. See previous response to CFPB from EQUIFAX in regards to the XXXX XXXX account ... ... it was found to be fraud ... and they agreed that it should be removed yet they never removed it!
Complaint sub-issue: Old information reappears or never goes away

There are 2 mortgage accounts that have appeared on my credit report that were included in bankruptcy and should never have appeared. This has caused significant problems with my credit scoring as the other accounts included in the bankruptcy in XX/XX/2013 are about to drop from my credit file. 

XXXX XXXX XXXX , XXXX has 2 accounts listed that need to be deleted
Complaint sub-issue: Account status incorrect

I voluntarily gave a XXXX XXXX back to the bank after much hassle in speaking with them to pick the vehicle up. It's been about 3 months since they took possession of the vehicle and still continue to report an open account, thus increasing the amount and continuously reporting incorrect information on my credit report instead of stating that the account is closed. This is deceptive practices.
Complaint sub-issue: Account status incorrect

I recently filed to refinance my vehicle, I regularly check my XXXX XXXX   and XXXX on their website. My application was denied by XXXX XXXX due to the inaccurate information reported by Equifax not updating their information with my current credit score of XXXX instead of XXXX! Ive been working hard to get back to the upper XXXX, my XXXX shows XXXX XXXX  XXXX and Equifax XXXX! Equifax has been stopping me from moving into apartments that want to see a higher credit score and disrupting me from refinancing my vehicle so I can continue growing my credit report!
Complaint sub-issue: Threatened to sue you for very old debt

CBB Collections in XXXX XXXX is trying to attach my SSD check of only XXXX per month for old medical debts in 2013. They have filed with the Court and are asking for trial. I do not work, have been XXXX XXXX for 14 years and barely make it. They are suing me for {$760.00} which is more than half of my monthly direct deposit Social Security Check.
Complaint sub-issue: Problem during payment process

My AT & T Universal Card has no one answering the phone. I pay my bill in full each and every month and have done so since being a member since XXXX. Since the COVID-19 Pandemic, card statements are coming later and later each month, in fact, I did not rec ' a bill in XXXX at all. They refuse to adjust {$29.00} in fees and {$18.00} in interest. 

Bills have been coming in my mail later and later and despite mailing on time they appear to be " arriving '' at their locations late, resulting in their " fees '' ( note the do not call them late fees in the account summary which is misleading. They also charge interest payments but DO NOT SPECIFY the interest rate charged, also misleading. 

The company has a misleading paper billing statement. Billing period is XX/XX/XXXX - XX/XX/XXXX yet they state that my billing period is the first of every month. When this happens the company states that I can go paperless and sign up for automatic bill pay which to the company makes their life easier but as a victim of on line fraud, I do not want to sign up with this option. I prefer paper bills and do not want to be at the mercy of faulty mail and billing schemes as well as interest rates of 29.89 % which is disgraceful for someone with a XXXX FICO score. 

CITI ATT UNIVERSAL CARD XXXX XXXX XXXX XXXX XXXX, SD XXXX. 15-20 minute wait time for live operator. 

I would like to know if there are internal marketing " goals '' that encourage paperless, direct payment from banks as a business decision which forces consumers onto web sites and be open to fraud. 

Is the CFPB looking out for the consumer or defending the " big '' credit card companies during a COVID Pandemic? This is a question that many consumers have and it seems the Credit Card companies are getting away with misleading fees and late charges. 

I would like to know if late fees and interest fees have increased during COVID-19 and what the CFPB is doing.
Complaint sub-issue: Billing problem

I established this loan in XXXX and have always made my payments through my bank with electronic bill pay. On XX/XX/XXXX, I sent two payments that have never been applied to my account. I have been reported to the credit bureau as being delinquent since XXXX and they harras me continuously even after I have sent them proof of the payment. I have contacted them at least ten times regarding this and each time I am told the supervisor is unavailable and they will call me back and it never happens.
Complaint sub-issue: Public record information inaccurate

Received an email from Equifax advising a new bankruptcy was being reported on my account and my credit score dropped XXXX points this week. I have not filed bankruptcy since XX/XX/2009.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed this account with Equifax since XXXX of 2021. I still have not received any results for their violations of my Consumer Laws. I am a federally protected consumer, and I am making this complaint against Equifax, for all of their violations. I have never given Equifax or XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Your prompt response to this matter will be greatly appreciated.
Complaint sub-issue: Information belongs to someone else

Im a victim of identity theft and keep receiving notification about a fraud account that does not belong to me I submitted a report over a month ago please see attachemnts
Complaint sub-issue: Information belongs to someone else

I have asked equifax several times to remove hard inquires that do not belong to me and they refuse. The ones that do n't belong to me are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX dated XXXX17 and XXXX XXXX dated XXXX/17.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax will not delete the Bankruptcy from my credit report. They are violating 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 or public record without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX Balance Owed : {$9500.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Complaint sub-issue: Reporting company used your report improperly

Have filed complaint to XXXX XXXX as well. Had a vehicle bought back from Drivetime because of some rust and mechanical issues. Didn't properly advise me of my options when turning vehicle back in. Said I would not get the 6 months of payments I had paired into vehicle because it was the time I had driven set vehicle I didn't sell myself a XXXX car they did. Because I had my contract reminded they were able to charge me a higher interest rate on my new vehicle. So Im not getting the 6 months of payments recorded to my credit score and am out 6 months of payments on a vehicle they shouldn't have sold me to begin with. How is any of this fair. I have documentation were they say I signed which I acknowledge is my signature to not have the 6 months of payments to reflect on my credit score but no where does it say anything about my 6 months of payments not being reinstated to me.
Complaint sub-issue: Debt was result of identity theft

since late XX/XX/2020, i have been disputing this fraudulent account through XXXX, each time the result comes out as " verified as accurate ''. i asked them more than once through the last 6 months to provide me with the methods they are verifying this debt. each time i get the message to contact the creditor. after all attempts to call the creditors i was asked to provide them with documents such as copies of SSN, DL and so on. this issue had took me long time and too much energy and has hurt my credit score. i even provided them with a copy of FTC report which i upload here too. please resolve this problem and prevent such unprofessional creditors from playing with people 's lives. thank you
Complaint sub-issue: Problem getting your free annual credit report

I have applied to several entities that required credit verification and Equifax has continued to show an accurate report or nothing at all. I have submitted the documents two times at their request to unfreeze and report correctly. This has been an ongoing issue that has caused a great deal of stress.
Complaint sub-issue: Debt is not yours

As of XX/XX/2019 I noticed a collection Avante USA for XXXX services of Kansas. I have no knowledge of this debt, as I was living in Texas at the time it showed up on my credit report and I have received no letters of correspondence about it.
Complaint sub-issue: Personal information incorrect

I have tried on 4 seperate occassions to have Equifax Information Services update my personal information with correct information so that my credit report reports accurately. On XX/XX/XXXX, I mailed to XXXX XXXX XXXX a letter requesting a correction to my name and address. With this letter I included a clear, color copy of both my driver 's license, social security card, and the Personal Information page from the credit report PROVIDED by Equifax. On XX/XX/XXXX i faxed to XXXX a very clear copy of both my driver 's license and social security card to ensure that they had proper documentation to update my credit report. On XX/XX/XXXX I receive a letter from Equifax stating that they could not update my information as they were unable to locate my credit file in their database. It asked that I submit one item from their " Identification '' category ( pay stub, w2 or valid social security card ) and one item from their " Current Address ) category ( driver  's license, rental/lease agreement, pay stub with address, utility bill ). As you can see, I submitted one item from each category via mail and fax. I have a copy of my fax transmission report indicating that the fax with the requested documents was received on XX/XX/XXXX. On XX/XX/XXXX I received 2 more letters ( one addressed to my correct name and one addressed to an incorrect name I was asking to have removed from my report ), again, asking me to submit one item from each category. I am infuriated with Equifax 's stalling of updating my personal information. This is a clear attempt to keep outdated and inaccurate information on my credit report to the benifit of creditors and bill collectors. This is unacceptable and they should be penalized for such actions. I have included documentation of my most recent letters sent, the identification and address items, and the multiple letters sent my Equifax to this complaint.
Complaint sub-issue: Information is missing that should be on the report

The late payments were part of a Covid deferred program and should not be counted late or missed
Complaint sub-issue: Seized or attempted to seize your property

My complain is about XXXX XXXX and MOSAIC Solar. They sent me their agent that scam me with some lies that I will save some energy by getting a loan through MOSAIC to finance a solar system for my house. They lied to me that I will get a will get a tax credit of XXXX which I didnt get. Also the agent did not procure any paper documents to sign, I did all the signings over her labtop and it was so fast without any explanation. I sign some documents that lock me for 20 years and the worst they PUT A LIEN on my house. They did not tell me about it. My credit was run 3 times without any reason and that brought my credit score from XXXX to XXXX. All this happened in XXXX. In XXXX Im in a situation where I cant sell my house because of the lien, and also the solar did not increase the price of my house. NEVER DO SOLAR. It is a SCAM and they just stealing the honest people money. Please let everyone know about it. Im paying XXXX dollars every month for the loan and my electric bill is not improving. I did not save any energy bill. ALL ARE LIES
Complaint sub-issue: Was not notified of investigation status or results

I have contacted all bureaus asking for validation on the accounts listed in the document provided below. I contacted the bureaus on XX/XX/2022. The bureaus have yet to provide me with any documentation, and it is over the 30 day mark. The incorrect information is rapidly lowering my credit score. Please help me fix this problem!