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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Name of Account : XXXX XXXX XXXX Account Num : XXXX has violated my rights. 

Name of account : XXXX XXXX XXXX XXXX Account Num : 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 report.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting addresses on my credit report that does not belong to me. I do not live at these address and am afraid they could be resut of ID theft.
Complaint sub-issue: Personal information

I have never lived in New York which is the latest address reported on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Debt was paid

This company reports that there is a balance with XXXX XXXX but the account was paid in full. On XX/XX/2020 this account was remarked as affected by the natural disaster and due to XXXX and losing family members I cant pay extra money that I dont have. I would need this company to provide the original contract from XXXX XXXX supporting services rendered. If contract information is provided then my HIPPA rights will be violated. Please delete this account permanently from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX I recently checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Complaint sub-issue: Investigation took too long

Hello, In regards to : Name : CREDIT ONE BANK Acct # : XXXX - This item is currently under investigation. You should receive the results of our investigation soon. 

I am demanding that you remove this item from my CR. This has been under investigation for well over 90 days with no update and I have continually reported this as inaccurate. I will be filing another Attorney General complaint against EQUIFAX if you do not comply with my request! 
XXXXXXXX - This account does not belong to me. You have not proven such and again, this Collection account should be removed from my report under EQUIFAX immediately! I did not pay XXXX a dime of my money for any account, because I have never had XXXX as a provider. REMOVE THIS NOW! 

Also, there are a number if Credit Inquires that you have allowed to take place with your company, which no other CRA has been as shady to allow. Your company is horrible! 
These inquiries should be taken down immediately - or you need to supply me with PHYSICAL documentation showing just cause as to why these inquiries are on my report with you. If you can not, these inquiries are to be removed pronto : 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 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/XXXX
Complaint sub-issue: Debt was result of identity theft

I have contacted cima in XXXX and XXXX to let them know this is a result of identity theft please remove from my credit file
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

During XXXX and XX/XX/2020 multiple unauthorized purchases were made with my Citi Bank card utilizing XXXX. According to XXXX XXXX customer service these purchases were made online via their website utilizing XXXX as a third party payment service. Citibank card ending in XXXX was charged for {$4900.00} in special order purchases that were picked up at multiple store locations in person as well as delivered to an address that is not mine. Citibank never questioned said charges despite being large amounts that are being shipped to an address not on file with them. I have never utilized this card at XXXX XXXX previously and had a zero balance prior to these purchases. They have requested no further information from me nor had any correspondence aside from the initial dispute. They have somehow determined that I am responsible for these charges despite security failures on their part. I have asked XXXX XXXX to verify the person who picked up said purchases and was told they can not due to not requesting ID verification. CitiBank is refusing to deal with XXXX stating that I must try speaking to them. These purchases were not made by me nor were they authorized. CitiBank has determined I am responsible for said charges but have not provided any evidence as to why. I have included said charges and have print outs from XXXX showing the wrong delivery address and multiple fraudulent charges.
Complaint sub-issue: Information belongs to someone else

I was made aware of some accounts reflecting negatively on my credit report today XX/XX/20 because I got my credit ran to see if I qualified for a home loan. I had no idea there were accounts in negative standing on my credit because none of those accounts belong to me. I did not open any of those accounts nor did I give anyone permission to open those accounts on my behalf. I did not benefit anything from any of those accounts nor did I ever make any payments towards any of those accounts. I do not have any written or verbal contract with any of those companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these suspicious accounts.
Complaint sub-issue: Investigation took more than 30 days

I sent a notarized affidavit on XX/XX/2021 to the credit reporting agency and still havent received a response. According the FRCA the investigation shouldve been completed in 30 days well that has expired.
Complaint sub-issue: Account status incorrect

I turned to Equifax for help and clarification. I was subjected to rudeness and the supervisor abruptly ended the call with me ( permanently putting me on hold ). I applied for a pre approval on a mortgage through XXXX XXXX XXXX. I was told by XXXX XXXX  XXXX on XX/XX/XXXX that based on their report I had collections from the Department of Ed. This is incorrect. I have a letter from the Department of Education from XX/XX/XXXX stating otherwise. I called Equifax on XX/XX/XXXX. I was told they saw it on my report and I had to dispute it. I called the Department of ED on XX/XX/XXXX, they said this is incorrect and my account should not be listed in collections. I then sign into the Equifax website, the website said I had no accounts in collections. I then called Equifax 3 times of XX/XX/XXXX. I was told different things based on the agent. The third time I called, the agent asked me to email my social security card, drivers license, and a selfie. I told him I do not feel comfortable with that and asked to speak to his supervisor. I explained everything to the supervisor, he was extremely rude and said he would not help me. I would have to mail my social security card and drivers license. I expressed my concern and frustration. I sent them something a year ago in the mail and they dont have record of it. Why would I send information as personal to them again? He then hung up and ended that call. I filed a dispute online, even though it says I dont have the account in collections. I am sickened and frustrated. The mortgage company pulled 3 different credit reports, Equifax was the only one with the collection listed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

When submitting a dispute they do not provide physical proof of information that show that the information they report is correct. So I'm submitting what I need in a cfpb complaint
Complaint sub-issue: Account information incorrect

Hi I have a loan with bank of the west they reported me having late payments on my account which isnt true I have auto pay on my account and they have been taking it from my bank of the west account each month on the XXXX of the month since I opened the account I have never been late with this account
Complaint sub-issue: Reporting company used your report improperly

n accordance with The Fair Credit Reporting XXXX  Account XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the got to privacy 15 U.S.C 1681 section 604 A. states section 2 : It also states a consumer reporting agency can not furnish am account without my written instructions
Complaint sub-issue: Can't decrease my monthly payments

I tried to help my son further his education and I was misinformed of all the interest etc. my son enrolled in XXXX XXXX in XXXX. The school has now closed nationally. My son was failing his classes and only needed to 2 months to complete his course. We tried to appeal it and he was informed that he would have to take the whole course again. I have been a single mother since 2007 and I can hardly manage providing a roof over me and my children 's head. I feel I was misinformed. If we went to a community school I know that it would be different. Please contact if you need my acct numbers for the FED LOANS. Thank you Sincerely XXXX XXXX.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even established additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!
Complaint sub-issue: Information belongs to someone else

I have fraudulent accounts on my credit report, I have tried to have them removed but the credit bureaus will not help me. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Complaint sub-issue: Their investigation did not fix an error on your report

In the Spring of 2019, I was forced to abruptly move from my apartment due to an a series of unexpected health setbacks. During my tenancy, my utilities ( electricity and gas ) provider was XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). During my transition to a new home, XXXX was absorbed absorbed by another power company, XXXX XXXX. 

While tying up loose financial strings after the move, I noticed that both companies, XXXX XXXX XXXX and XXXX, and XXXX XXXX, were reporting on my credit that I owed a past-due balance in the amount of {$180.00}. I immediately logged onto the the website of XXXX XXXX XXXX and made a payment using my previously established credentials. 

At the same time, I filed a dispute with the Equifax Credit Bureau notifying them that the utilities account was listed twice -- once under each company. I mistakenly assumed that the duplicate listing was an oversite that would easily be corrected. I was dismayed when I received the updated results keeping both tradelines on my credit report. This updated reporting seems to be a willful and malicious violation of the FCRA. The current reporting makes it seem like I have two separate derogatory accounts with this company. I would like this taken care of as soon as possible and and I will contact everyone I am able to, including the South Carolina Attorney General, to get this satisfied.
Complaint sub-issue: Personal information incorrect

Multiple addresses where I don't live anymore are still being reported on my credit : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I would like these removed. 

My brother : XXXX XXXX is being reported on my personal credit report. Please remove him. 

My brother 's credit card he opened is being reported on my report, as well as hard inquiries. Please remove this account creditor : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date reported :XX/XX/2019
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/2022, I called Discover Credit Card services to inform the company a credit card was sent to me that I did not apply for. When I provided the last four digits of my social security number and birthdate, the representative informed me that my birthdate did not match the application. She then informed me that the account was closed due to fraud and it was noted to forward my calls to a specific representative assigned to my case.
Complaint sub-issue: Attempted to collect wrong amount

I clearly asked ic systems if they report to my credit as this loan has not been on my credit since XX/XX/XXXX. 

I was advise they IC systems does not report to credit. 

I clearly stated I am willing to work with this month if they do not report to credit. If they die I can not work with them until XXXX. 

The rep stated IC systems does no report to credit as they legally do not own my debt. 

Following this I was advise if I did not make a payment this month my loan would become a lawsuits against me. 

I just started a new job and can not afford anything until XXXX. They pushed me into a payment this month. 


I find it unlawful and misrepresentation as I was told they legally can not report to my credit due to not owning my loan. As of XX/XX/XXXX my credit went down 18 points as they did in fact report to my credit. 

I read reviews today XX/XX/XXXX that show other people were mislead as well.
Complaint sub-issue: Other problem getting your report or credit score

I have been trying to get a copy of my credit report and check the results of my mailed in disputes but have been unable to for the last 9 months. 
I call EQUIFAX and always get the same answer " the system is down ''. 
I can not check my report, nor can I review the dispute results. 
This is a burden and in my opinion violates the FCRA timeframes, since I can not view anything in a timely fashion and must wait for everything to be mailed to me via the post office, after I call and stay on the phone for an hour to get the same reply back, or send another letter to request my results in writing, adding weeks to my dispute. 
It takes approximately 2 months for a dispute review because of the " SYSTEM IS DOWN '' for the last 9 months. 
This reporting and disputing process has cost me an opportunity for employment because I still have not been able to rectify the problem.
Complaint sub-issue: Funds not received from closed account

I had previously submitted a complaint regarding my citibank checking # XXXX account about a year ago. They had closed my account which they told me was because I had business funds deposited into a personal account. But it was later discovered that they reported the closure as fraud and now i am unable to open another bank account else where. This was shocking and outrageous to me as I had submitted numerous documents proving that the business and the funds deposited from sba did in fact belong to me. Those documents were submitted with my last complaint. The reason for this new complaint is because after about 8 months of waiting for the balance on my account at the time of citibank 's closure to be refunded to me, I still had not received the monies or any communication from citibsnk, I reached out to them again requesting information on the whereabouts of the {$4300.00} balance in my closed checking account. They informed me that they needed me to provide my schedule c from a previous year, which I would find and email to them. When i emailed again asking the status the balance to due me since i provided them with the information they had requested from me to be able to release the funds to me, they informed me that they will not accept my schedule c, which is in fact the document they requested to be able to refund my balance to me. They gave me no explanation as to why they would not accept the document that they had requested and also informed me that they would no longer respond to my inquiries regarding this matter. I have no idea how a financial institution can legally withhold the balance of an account that THEY closed without ever even informing me that they were going to close, or giving me any opportunity to withdrawal my money before closure.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2400.00}
Complaint sub-issue: Their investigation did not fix an error on your report

During a prior dispute, XXXX removed all of the following accounts because of false misrepresentations. However, Equifax only decided to remove one of the following accounts although both agencies were submitted the exact same information regarding the XXXX XXXX accounts. 

For whatever reason, Equifax can not find reasonable cause to remove the other two account when they have all the required information to do just that, remove the incorrectly reported accounts. 

XXXX XXXX Accounts in Dispute : XXXX - {$1300.00} ( Deleted by XXXX  ) XXXX - {$280.00} ( Deleted by XXXX ) XXXX - {$390.00} ( Deleted by XXXX ) ; ( Deleted by Equifax ) Equifax Credit Dispute Results ( Regarding XXXX XXXX ) : Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *CHARGE OFF AMOUNT *ADDITIONAL INFORMATION *ACCOUNT HISTORY. 

Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACCOUNT HISTORY. 

Account # XXXX The results are : This item has been deleted from the credit file.
Complaint sub-issue: Account information incorrect

I checked my credit scores in my XXXX account. Ive recently paid off two auto loans, and a motor home loan. Ive also limited new credit card spending as I am working hard to pay off my debt soon. Ive never missed a payment, no bankruptcy, nothing negative on my record. Equifax dropped my score over 60 points because I payed off those loans ... and all I have is my mortgage and credit card debt. The other agencies did not drop. I am also paying off my credit cards in lowest balance order. I contacted Equifax, and they told me they could not tell me why my score dropped and sent me to a debt management agency. I want to know why I am being penalized for paying off my debt, and pay my bills as agreed?
Complaint sub-issue: Information belongs to someone else

There is an incorrect Bankruptcy listed on my Equifax and XXXX credit reports, I believe it belongs to somebody else who has a similar name to me and has been mistakenly placed on my reports. I have been disputing the error with the bureaus since XXXX of XXXX, but they have not removed it. I have done my research and I know that the courts do not report or verify information with the bureaus so I requested that the bureaus provide information on where they got the Bankruptcy info from. Equifax responded once in XX/XX/XXXX, stating that they got the info from XXXX. I know this is impossible because XXXX confirmed to me over a year ago ( In XXXX of XXXX ) that they investigated and found the bankruptcy to be an error, resulting in its removal ( see attached document ). XXXX has never responded to me even once, despite my monthly disputes sent via certified mail. Not responding is a violation of FCRA regulations.
Complaint sub-issue: Information belongs to someone else

EQUIFAX IS FALSLY REPORTING AN ACCOUNT FROM XXXX SUPPOSEDLY FOR XXXX XXXXIN THE AMOUNT OF {$620.00} DOLLARS SO I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. I AM ON SSDI SO MY INCOME IS FEDERALLY PROTECTED.
Complaint sub-issue: Information belongs to someone else

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report doing the quoting process. Every time I would get a quote it would come back high or ineligible. I have always-aid my accounts on time. I decided to get my report pilled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. 

XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}