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

I received a call on XX/XX/2021 from a lady with XXXX asking me if I could provide my information to obtain a quote. I told her that I would call back when I was ready because I'm in the middle of a new car purchase. On XX/XX/2021, the same lady called me back and asked if I was ready to purchase XXXX insurance, and I told her no and that I have insurance so I wouldn't consider switching for another 30 days after I complete my new car purchase. On XX/XX/2021, I received a Fair Credit Reporting notice reflecting XXXX ran my credit. I didn't give permission for this to occur and feel violated. I know XXXX doesn't have the right to run my information without my permission and that is what happened. I have tried calling them, and no one knows what to do or say to resolve the issue so I need to file a formal complaint because they are 100 % in violation and cause an inquiry that I can't have removed.
Complaint sub-issue: Debt resulted from identity theft

I believe that this debt collector illegally altered my information so that I would owe a debt collections company I do not owe. 
Or they may have contacted my original creditor and asked to have me make payments to them. This debt collections company is reporting to the credit bureau that I am delinquent and I have not paid my debt to my original creditor when I have proof of payment to my original creditor. I have already disputed this debt collection 's company because I have been making my payment to my original creditor XXXX Hospital.
Complaint sub-issue: Reinserted previously deleted info

This is account was deleted off my credit report and now has been reinserted. Please have Equifax remove ASAP. 
XXXX XXXX Status Closed
Complaint sub-issue: Attempted to collect wrong amount

XXXX CONNS IS NOT MY ACCOUNT ITS BEING REPORTED XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I contacted two different collection agencies XX/XX/XXXX and XX/XX/XXXX about the collection attempt for XXXX XXXX. Neither one has back down from Collection attempts after sending letters to the agency. XX/XX/XXXX contatcted XXXX XXXX Bankruptcy division and the rep was not knowledgeable about her job. The supervisor told her to not transfer her to me because she was getting off early.. 

The first letter was from XXXX XXXX XXXX XXXX MN dated XX/XX/XXXX. the second letter was from MRS Associates XXXX XXXX NJ Dated XX/XX/XXXX XXXX.forwarded from the very last address that we had service before we totally resolved our relationship with XXXX XXXX  XXXX XXXX  is not a reputable company very bad experince with hem and their collection agency. I am XXXX rs old. I do not work I get a very very small pension
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is allowing a discharged account to report open on my credit report when it should indeed be listed as a closed account. I have tried numerous of times to speak with XXXX and Equifax about this issue and they continue to inform me that this account is verified as accurate when it is indeed not accurate..
Complaint sub-issue: Investigation took more than 30 days

I contacted Equifax on XX/XX/XXXX about the investigation of the following accounts : Collection, XXXX XXXX XXXX, XX/XX/XXXX, {$5400.00} Collection, XXXX XXXX XXXX, XX/XX/XXXX, {$1700.00} Collection, XXXX XXXX, XX/XX/XXXX, {$320.00} Collection, XXXX, XX/XX/XXXX, {$630.00} Charge-Off, Credit Card XXXX XXXX XXXX XXXX {$5300.00} Charge-Off, Loan, XXXX XXXX XXXX, {$640.00} XXXX XX/XX/XXXX, opened XX/XX/XXXX Charge-Off, Credit Card, XXXX XXXX {$430.00}, XX/XX/XXXX Late Payments, Unsecured Loan XXXX XXXX, {$9000.00} XXXX XX/XX/XXXX XXXX Payments, Auto Loan XXXX XXXX, {$19000.00} , XX/XX/XXXX XXXX still have not received any resolution.
Complaint sub-issue: Reinserted previously deleted info

Equifax has again allowed a reinsertion of a collections regarding XXXX XXXX as shown on my Equifax report by XXXX XXXX XXXX . They also will not allow me to dispute that my XXXX student loans have been XXXX as of XXXX/XXXX/2016 and no longer owe the amounts stated. I attempted to notify them that the student loan service agencies will notify them at the end of the month. They will not even allow me to report that I have had XXXX XXXX for 1.5 years and it still is not listed as a positive account on my credit bureau report. I do not have my supporting document scanned to be uploaded and I am very protective as I have been a victim of identity theft and do not wish the document to be abused!
Complaint sub-issue: Debt is not mine

There was an alleged debt between XXXX XXXX and myself in 2012. It was dropped at that time because they actually owed me money. Curiously enough I sold my condo in XXXX and in XXXX the same false report reappeared now that I am trying to buy a new house and has dropped ; my credit score unjustly. I never received any new communication from ERC and when it appeared in XXXX I sent a letter to the XXXX of XXXX demanding removal for which I never recieved a response. In fact the initial bill from 2012 wasnt even under the right name it was for a person named XXXX. They couldnt even get a name right.
Complaint sub-issue: Reporting company used your report improperly

Improper data security handling led to a massive breach of personal data of over a hundred million americans. I am listed as a likely victim on their reporting website. I 've had to freeze my credit and may very well be impacted for the rest of my life
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I am intending to sue. I have sent in over the past few months, a copy of my police report and identity theft affidavit as required by law to remove these fraudulent accounts which were opened by a thief. You are required by FCRA laws to block these fraudulent accounts within 4 days. Equifax and Experian Credit Bureau are still in violation of the FCRA laws by reporting these fraudulent accounts on her profile. 
The law is very clear as to the Civil liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.

Under section 609 ( e ) of the FCRA, a victim of identity theft is entitled to the above referenced documents without a subpoena. 

1 ) XXXX XXXX, Acct. # : XXXX Unverified Account 2 ) Medical, Acct. # : XXXX Identity Theft Account 3 ) Medical, Acct. # : XXXX Identity Theft Account 4 ) Medical, Acct. # : XXXX Identity Theft Account
Complaint sub-issue: Debt is not yours

Pro Collect has been sending me multiple letters for a debt that is not mine. I have contacted the company several times ; however, they are stating they can not remove the debt from my credit reports unless I agree to pay or take one of the settlement offers they have made. I have also contacted the original debtor XXXX XXXX and they are stating that they have no information on file and that I would need to contact ProCollect Collection Agency. 

I have been dealing with the company for almost 2 years and they have yet to provide me with any type of validation in regard to the the numerous request that I have made.
Complaint sub-issue: Other problem getting your report or credit score

I have tried to contact equifax several times, and have verified my identity several times and been on hold several times, its been 6 months and Im still not able to logon to there website to dispute my credit report with equifax, I have faxed information to them, called, have been transferred several times and still no luck They gave me a ticket number but no luck XXXX Equifax customer service
Complaint sub-issue: Their investigation did not fix an error on your report

The  Bureaus i s reporting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California,  XXXX  County, ordered in my divorce that the bill be paid by my former husband  XXXX   XXXX   XXXX .   I have supplied a copy of the court findings, and names and addresses of the Executor of his  Estate to the Bureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. The Bureaus failed to follow up on this information and was negligent in trying to collect the money. The refore they should not be allowed to report it as my debt.    Respectfully   XXXX   XXXX   XXXX
Complaint sub-issue: Don't agree with fees charged

Kohn Law Firm and XXXX XXXX are debt collectors who are attempting to collect a false debt against the consumer. Kohns have been served a Notice of Dispute and failed to comply with any of the FDCPA mandates. ( see, attached )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the following XXXX Account has violated my rights. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXXE Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXXccount # XXXX XXXX XXXX  Account # XXXX 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: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX, on XX/XX/XXXX and again on XXXX they say was last activity. It depends on which credit reporting agency youre at and when you looking at them. The amount goes from XXXX, to at one time we only XXXX. XXXX. Also to brought the car. Not to mention the car was upgraded to leather by the dealer including seats, doors but not included in sale price of of car. I requested information but denied all information of sale of car. Requested all information not received. 
XXXX That was a paid in full timeshare that was not put up for collateral. Once new owners took over We were not allowed too any meeting for the fact that we were married and our husbands were not on the contacts and we were separated from them. So now they had disconnected phone number to get in contact with them to discuss anything about this XXXX. That was we request a signed contact and validations of XXXX this has not been verified. When I called the number is a non working number, then they replace it with a another number that was the wrong department when I called them. And when I got in contact with them it was still in the wrong department. 
Under the fair credit report act 15 USC1681 I have the right to privacy and I did not give permission to anyone to release my information to anyone, therefore my rights were violated. 
XXXX XXXX I paid them in full with XXXX interest and the reporting it as a charge off.
Complaint sub-issue: Debt is not yours

This started on XX/XX/2019 They sent a text message to my cell phone stating I needed to contact them about a bill with XXXX XXXX. I have a prepid phone with XXXX so I know that I do not owe them any money. It states that all information had been sent to my email address and that needed to contact them about this account. the phone number they used to contact me was XXXX but told me to contact XXXX. They actually sent two messages on that same date. On XX/XX/2019 they sent another demand to my cell phone and I responded a demand for them to quit contacting me because I did not own XXXX any money. XX/XX/2019 they called my home phone and I again contacted them on my cellphone and demanded they quit calling me. I did that two times n that date. Now they are calling my home phone and asking  questions about someone other than myself. When I asked what company they are calling about XXXX XXXX tells me that because of privacy laws she can not tell me what company she works for. So I told her that because of privacy laws I can not talk to her and she hung up the phone, but that didn't stop her from calling me again two more times on that date. two times on my home phone and once on my cell phone. I have demanded that they qut calling me but that has not stopped them. Today, XX/XX/2019 they called me again and I answered so I could tell them again to leave me alone but it was a robo call saying they wanted me to call back but I didn't get the number. I have tried to call them back on the number they call me from but when you do there is a gruff voice that tells me to HANG UP NOW. Please do something to stop this harassing of me. Thank you They are calling from different numbers also.
Complaint sub-issue: Account status incorrect

On XXXX XXXX I received notification that XXXX XXXX XXXX XXXX  XXXX  XXXX placed a debt on my credit account for the amount of {$530.00}. I reached out to both my insurance provider and the credit reporting agencys to notify them that this was invalid because my insurance was active at the time. They said they would confirm with the XXXX, the Insurance company reached out and said they sent over documentation that this was false information. It has now been well over 3 months and this is still placed on my credit. 

I never authorized for this to be placed on my credit report.
Complaint sub-issue: Old information reappears or never goes away

I have a {$210.00} medical bill from  XXXX . It was turned over to collections  XXXX . This has been turned over to Equifax by  XXXX  ,  XXXX . in  XXXX . As of a few days ago, they are still reporting it. This collection is being resold. It should come off in 7 years from original report date, correct? In  XXXX ? Or will it be on there indefinitely as long as they keep reporting it. I have been getting calls from unknown numbers from someone with a foreign accent saying they were a debt collector. I never answer and let it go to voice mail. I have challenged with Equifax about multiple reporting on this but was declined.   Thanks
Complaint sub-issue: You told them to stop contacting you, but they keep trying

This company called AFNI has been calling my phone and my husband 's phone several times per day and I have asked them verbally, via email, and with a cease and desist letter to stop contacting me via phone. They still continue to call my phone several times a day, 7 days per week. They are rude and unprofessional. This debt they are harassing me about was one that was done in my name by someone else and until I can get it legally settled, they are not getting anything. They are ignoring my cease and desist and I am fed up.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, I received notification from XXXX XXXX XXXX that I owed Citi Bank Bank {$800.00}. 
On XX/XX/XXXX I wrote XXXX ( return receipt requested ) stating that I dispute the charge and requested verification specifically all copies of receipts of payment. 
On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX signed for receipt of my letter. 
To date, I have not receive the requested verification specifically copies of all receipts of payment. 
On XX/XX/XXXX I opened my credit report and found XXXX XXXX XXXX had reported this un-validated and disputed debt on XX/XX/XXXX. 
On XX/XX/XXXX my attorney advised to file this complaint.
Complaint sub-issue: Account information incorrect

On   XX/XX/XXXX  we had a severe thunderstorm that  disabled   my   XXXX   yr.  old    XXXX   XXXX   49 '' lcd TV. I have supplemental Home Insurance Coverage w/    XXXX   XXXX   XXXX  . in   XXXX   XXXX   Fl . - XXXX - Acct. #  XXXX . I called to file a claim, the automated voice asks problem, if TV press certain #. Spoke w/ Cust . Svce. who advised " claim denied- TV 's not covered '' .Their Booklet shows items covered w/  ELECTRICAL SYSTEM listed.Wh en I joined i n  XX/XX/XXXX  I  was told by Cust. Svce that " ANYTHING connected to Electricity or Water was COVERED-Period  ''! I com plained via their Website Email today   XX/XX/XXXX . I  was unable to find a local TV Repair so I went back to   XXXX   XXXX   in  XXXX , NC   XXXX   XXXX   XXXX   XXXX    where I had bought the   XXXX   in   XX/XX/XXXX .  It was out of warranty so I asked for a low cost replacement- ( retired- $ limited ) .I have a   XXXX   XXXX   Card that I have used for years to buy printer ink- also exchanged a defective Printer twice recently. I found a similar   XXXX   XXXX   & requested a 2 yr. Finance Contract-same as I used 2 yrs. ago.
The request was denied b y    XXXX   XXXX   /  XXXX   XXXX   - Acct. Closed. The sales person re- entered the info requesting a new Card. Denied again. I had gotten " over my head '' w /  2 Cred it Cards ( my fault ) & was advised by an Attorney to file Chap.  XXXX . I did & it was dis- charged   XX/XX/XXXX . b ut to this date   XXXX   XXXX   has REFUSED to report my  XXXX  debt which was paid  off  XX/XX/XXXX  up  to this date. I explained this to the salesperson -nothing they could do- & purchased an Open Box ( returned ) similar TV for {$450.00}. Finally, as for this credit problem, I am looking to trade my   XXXX   XXXX   for a less expensive model which will lower my expenses by aprox. {$300.00} a mo. I have NO bills since Chap.   XXXX   & have never missed a pymt. with ANYONE. My SSI & Pension are {$2000.00} NET a month, my Current Credit Score is   XXXX      XXXX   XXXX  ,   XXXX   the   XXXX   others. Since the   XXXX / XXXX   rejection I 'm afraid I may not be able to make the car trade w/ a Co. like   XXXX   XXXX   ( lower rates etc ). I should be able w/   XXXX   since I 've been with them 2 yrs. & have saved {$2000.00}  XXXX  for a  XXXX  model- selling for {$12000.00} Max. That 's my story.
Complaint sub-issue: Contacted employer after asked not to

US Bank calling from XXXX XXXX/XXXX/2016 @ XXXX XXXX called & refused to remove our business number from their system, as well as stop calling here for XXXX XXXX XXXX I said, our staff ca n't recieve calls. The lady refused to remove our number & told me tell XXXX to call them & hung up on me.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am filing this complaint on behalf of myself for false reporting misleading information. No one else is filing this complaint about me.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX isnt investigating according to the FCRA. Ive sent ion multiple notices to which they claim they validated it, however never send the documentation on how they verified it. Identify theft and fraud has taken place onto my consumer report. EQUIFAX iz not moving in a fair and equitable way! All of this information needs to be DELETED NOW if they cant send documentation on how it was verified!
Complaint sub-issue: Was not notified of investigation status or results

I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXXThis account was paid in full. This is inaccurate. 
XXXX XXXX XXXXI was NEVER late. This account is misleading XXXX   XXXXThis account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXXThisdate of last activity is misleading. 
XXXX  XXXXI was never late. 
XXXX XXXXI 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXXI HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXXXXXX XXXX XXXXXXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXXThis account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!
Complaint sub-issue: Personal information incorrect

Edited letter to Equifax, XXXX. XXXX XXXX, XX/XX/XXXX, to avoid providing personal information Dear Sirs, As you know, I have written a number of letters with regards to your services. I just received confirmation # XXXX. In it, you re-iterate your mistake adding a suffix ( Sr. ) to my name. I have never used, and have no reason to use Sr., as I have NO MALE children! 

In addition, you compound your mistakes in you latest communication. Let me explain. 
In addition to the Sr-suffix, you had my former employer as XXXX XXXX  XXXX. I pointed your mistake in my previous letter. My previous employer is The XXXX XXXX XXXX XXXX. Furthermore, under previous addresses the XXXX XXXX XXXX was in XXXX Ohio, not XXXX, as you mistakenly wrote. 

The confirmation # XXXX says you have deleted from the credit file XXXX, XXXX XXXX XXXX, Date employed : XX/XX/XXXX Date employed XX/XX/XXXX The information about my former employer should not be deleted, instead, it should read : XXXX, XXXX XXXX XXXX XXXX XXXX, Date employed : XX/XX/XXXX. The only information that should be deleted is the XXXX XXXX XXXX if you can not correctly identify XXXX Ohio, instead of the wrong XXXX!!!!! 

I enclosed copies of Passport, driver license and social security card in my previous letter to you. As you can see from the driver license, Passport, and Social Security card my name does not have the suffix Sr. 

I am totally fed-up with your organization. Would you forward my file to a supervisor? I can not continue sending letters and documentation in a fools-errand hope for resolution that never materializes in spite of months of effort and countless hours of writing. I would appreciate a supervisor contacting me personally to clarify any questions you may have prior to issuing another wrong resolution confirmation.
Complaint sub-issue: Public record

This is regarding a judgment from XXXX Receivables that was discharged through bankruptcy from 2012 and still shows in my credit report. This should have been removed as this has been discharged. This is from XXXX Receivables.
Complaint sub-issue: Right to dispute notice not received

I had a phone for awhile they were charging for things I did n't want. They cut me off and popped up on my credit reports.
Complaint sub-issue: Debt was result of identity theft

This is a complaint against CITICARDS CBNA. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef
Complaint sub-issue: Debt is not yours

I reached out to these companies back in XXXX I disputed XXXX XXXX, XXXX and XXXX XXXX. I asked the companies to send me an original signed contract with my signature and they sent me these documents. I had XXXX XXXX deleted that was reporting XXXX but XXXX is still being reported. I reached out to XXXX  here and s a phone number for them XXXX Also there is a document from XXXX XXXX  that I attached I reached out to them as well and XXXX XXXX XXXX are reporting this account with no original signed contract with my signature.