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

Equiant in a recent communication States : Equiant Financial Services is the Payment Processor/Data Furnisher for the original creditoXXXX XXXX XXXX  XXXX XXXX Equiant did not take over ownership. This statement clearly shows that : 1. Equiant Financial Services does not own the account. 
2. Equiant Financial Services does not have a contract or business relationship with me. 
3. Equiant Financial Services did not or never contacted me regarding this reporting showing any proof that it owns the account, consent from me to report the account. 
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. 
I know for a fact you do not have my written permission to furnish an account on my consumer reports. 
4. Equiant Financial Services is reporting the account fraudulently because, I did not and have not authorized any company or institution to use my personal information or implied for any purpose including opening an account and reporting an account fraudulently to a consumer reporting agency in the past or present. 
5. Equiant Financial Services has committed identity theft by fraudulently obtaining my name, social security number, date of birth, purposefully continue reported an account after being notified to delete the account and refused to answer request for validation.
Complaint sub-issue: Their investigation did not fix an error on your report

The tradeline XXXX XXXX was disputed and Equifax claimed it was verified, I have requested proof of the investigation with the letter dated XX/XX/2018 as this item is reporting in my file in error. They refuse to send me how the account was verified and are illegally reporting this to my file. XXXX XXXX   was unable to provide me proof ( contractual agreement with original creditor XXXX with my signature ) and the account was not properly investigated with Equifax.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, LL Bean Mastercard alerted me to possible fraud on my account ( XXXX am ) via email. At XXXX I contacted LL Bean Mastercard at XXXX. I spoke with operator XXXX at length, the operator reviewed each of my transactions for the month of XXXX. She closed the card and supposedly reissued a card ( not yet received ). All " normal '', I made a request to have an email relating the charges being removed from my account and tha I was not liable for those charges. She confirmed that would be done and I would receive said email in XXXX business days ( because I specifically requested the email ). On XX/XX/XXXX, I had to call customer serice-transferred to XXXX to be told that " we do not provide email confirmations, only mailed confirmations ''. Additionally, today XX/XX/XXXX I contacted the Securities Department operator XXXX stated there was NO REPORTED fraud showing on the account, again I reviewed the fraudulent charges and XXXX XXXX stated XXXX would tag them as fraud but the credit would not appear until the following month ( meaning I would be responsible for the interest on {$1500.00} in fraudulent charges ). And her supervisor XXXX XXXX ( operator KHN ) refused to provide the email as requested for me, and again stated that the XXXX department had no prior XXXX reported on the account until XXXX submitted today on XX/XX/2022. So today I have no confirmation ( CitiBank refuses ) to provide an email stating that I am not liable for these charges or for the incurring interest. XXXX the supposed " XXXX '' in XXXX refuses as well to provide a confirmation that these fraudulent charges ( the ones the XXXX up on XXXX ) are not my liability. Additionally, these charges won't be removed until the next billing cycle making me liable for the interest at 14 % for {$1500.00}. I am not being unreasonable, past experience with CITIBank indicates that this tactic is very normal and consistent with their operating mode.
Complaint sub-issue: Account information incorrect

This XXXX XXXX # XXXX was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.
Complaint sub-issue: Information belongs to someone else

XXXX potentially negative icon Potentially Negative StatusClosed.  {$130.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1000.00} Date OpenedXXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$150.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1200.00} Date OpenedXX/XX/XXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$90.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$430.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY accounts and address are not mine
Complaint sub-issue: Reporting company used your report improperly

I had recently discovered that XXXX XXXX XXXX, are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

By sharing my ( Bankruptcy # XXXX ) with XXXX XXXX, XXXX  XXXX XXXX  which it clearly state on my credit reports that these CREDIT BUREAS use your company to report informations on my credit file. ( letter attached ) Because your company shared my personal information thats a VITAL violation of my consumers right to privacy under the fair credit reporting act 15 U.S.C. 1681 et seq., Congressional findings sec. A 4. Because i never give my consent or permission to Lexis Nexis to furnish my personal information to anyone. I DEMAND YOU, XXXX XXXX, XXXX AND XXXX  remove the bankruptcy IMMEDIATELY FROM MY FILE as YALL knowingly violated the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 et seq., Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
FOR SHARING MY PERSONAL INFORMATIONS. This item ( Bankruptcy # XXXX ) should be removed IMMEDIATELY I have attached a VERIFICATION PROCEDURE LETTER from US bankruptcy court District of New jersey where it state that they DO NOT report information directly to the CREDIT BUREAUS. 


The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA ONCE YOU HAVE REMOVED ( Bankruptcy # XXXX ) PLEASE SEND ME A UPDATED REPORT THANK YOU
Complaint sub-issue: Problem accessing account

I signed up for a checking account with CITI bank two weeks ago and was approved. I scheduled to have a deposit deposited into my new account the following Wednesday. I tried signing on to my mobile app and was restricted. I called and they said it was for a security alert and to wait for a letter in the mail to give them the reference number that was in the letter. I waited a week for the letter to come and was finally able to give them the number. They said the block would be taken off within XXXX hrs but it never was. I got my debit card the same day I got the letter and was able to use it for a few hours before a block was put on that as well. Since then I have called at least 10 times and they have asked me for my moms maiden name and the first school I went to and the number associated with my account and after providing them with that info they proceed to tell me that Im wrong that my moms maiden name isnt what it actually is and then they disconnect the call. They dont explain where the error is and or how to fix it. They just tell me that they are discontinuing the phone call and hang up. The closest branch is over XXXX minutes away so they are essentially holding my funds hostage in regards to what the problem is and or how to correct it.
Complaint sub-issue: Was not notified of investigation status or results

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax and the XXXX data breach and may have gotten into the wrong hands.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX   on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX Formerly known as Drivetime and XXXX XXXX. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s ) bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair  Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit  bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 is not yours

To Whom It May Concern, I am XXXX XXXX I have recently checked my credit report and I am seeing activity that I do not recognize or authorize. Pursuant to 15 USC 1681a ( 2 ) ( B ) " 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 a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining credit, money, property, labor, or services on credit ''. Notice Congress said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Pursuant 28 1746 Unsworn Declaration under Penalty of Perjury Signed : XXXX XXXX, XXXX XXXX, Beneficiary without recourse UCC 1-308
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for as well as a collection that has been paid for YEARS. The bureaus did not delete the inquiries, nor did they respond within the XXXX timeframe that they are supposed to respond in. On XX/XX/XXXX I attempted to dispute again with the bureaus and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax along with the creditor for more than 3 months it is now going on 150 days where i have requested an original instrument contract bearing my signature. Ive asked both parties to send this information and none have been able to send this information. I am unaware of the fraudulent accounts and i have sent documents when asked of me but i haven't received any original contract with my signature. 1. XXXX XXXX & 2. XXXX XXXX : I don't recall applying for any credit or finance. I have only applied for credit in person. I have filed an FTC, i have filed a complaint with the XXXX XXXX XXXX, i have contacted the Attorney General office and have filed a lawsuit on all three parties for slandering my name and credit file. I have asked Equifax, XXXX XXXX, and XXXX to provide such instrument contract of originality with my signature but they have failed to provide me which such documents. All 3 parties have violated The FCRA sections 609, 605, 611 and many more. I won't accept this to continue any longer. I have been treated unfairly, i have been harassed by telemarketing numbers by creditors and credit bureaus. As i dispute the accounts before they were removed but placed back on my credit file. I never agreed to either companies or parties accessing my credit without my authorization with neither accounts. I have asked Equifax for the procedure that was taken and how the steps are taken to exactly investigate the accounts properly but i was hung up on the phone, they denied me access and treated me like a criminal at times. I am in distress and saddened to see that we are in a battle war with the credit bureaus and creditors. No one can say an account is yours if they don't have any evidence that you signed for it. I never signed any applications in person.
Complaint sub-issue: Reporting company used your report improperly

Pursuant to 18 USC 8, I owe no debt, This company ( L J Ross Assoc ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem accessing account

Tried linking my bank account to a " XXXX  '' application thru XXXX XXXX. Was met with a " PNC is not allowing this linking '' error message
Complaint sub-issue: Report improperly shared by CRC

Misleading sale practice Complaint Description : Agent XXXX XXXX pulled my credit report without my permission nor did I sign any papers giving her consent to do so. I spoke with her concerning renting one of their properties. XXXX XXXX stated it was ok for my mother to fill out the application and stated we had to pay the XXXX dollars before seeing the rental property because she had other clients who wanted the home. I and my mother asked her not to pull our credit report several times, even calling the office speaking with XXXX XXXX asking whether XXXX had pulled my credit report because I did n't want it pulled knowing that she did n't have all of my information to rent a home and she told me she would wait before pulling my credit report until she got all our information before processing with the application. XXXX told my ( Mother ) it has n't been pulling after calling her several times asking her as well, later finding it had been pulled without my consent nor did I sign any papers for them to do so period. They refunded the XXXX dollar charge because they were ask not to pull my credit report now they need to remove the inquiry. I never agreed to become indebted of the pulling of my credit report.
Complaint sub-issue: Account information incorrect

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. 
" FedLoan Servicing '' added late payments to my account that was false even added an extra month of late payments. 
XXXX assumed this role without permission not only that they did not have my consent. XXXX did not respect my right to privacy which is under 15 USC 1681 a number 4. 
XXXX did not exercise grave responsibility, they were unfair, they were partial. 
Im taken the liberty to file a CFPB report and an attorney general 's complaint. 
XXXX never had a permissible purpose Under 1681 b number 2. 
I never instructed those guys to furnish this report and I never consented to this report in the first place. 

( FedLoan servicing added late payments to my account that was false even added an extra month of late payments )
Complaint sub-issue: Information belongs to someone else

I have recently pulled my credit report this last XX/XX/XXXX. I see there are plenty of hard inquiries as well as student loans and rental property info from XX/XX/XXXX that all are not mine.I have called and was told I had to dispute in writing because they will not remove the inquiries over the phone and would not investigate my report for accuracy unless disputed online. I disputed the accounts and still was not helped. I have filed a FTC fraud report due to the inaccuracies on my credit report with XXXX  XXXX  and Equifax.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different high credit amounts {$1100.00} and {$610.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Complaint sub-issue: Information belongs to someone else

I ordered a free credit report through the FTC on XX/XX/22 for XXXX, XXXX, and Equifax. I was only able to get a report through XXXX and I noticed there was a XXXX XXXX XXXX account on my report that did not belong to me. I filed a dispute with XXXX, but I was unable to with XXXX and Equifax as I was not able to receive a report in the first place from either company. I just want to ensure that this XXXX XXXX XXXX XXXX which does not belong to me, does not show up on any of my credit reports.
Complaint sub-issue: Information is not mine

This is my second attempt to inform Equifax of my ID theft claim, there are reporting on my credit report that are due to fraud from XXXX XXXX which includes a judgment and collection reporting. I contacted XXXX XXXX and they have addressed it appropriately. I attached a letter they have sent me.
Complaint sub-issue: Account information incorrect

To someone that can help me, I am very deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.
Complaint sub-issue: Investigation took more than 30 days

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

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: Account status incorrect

This company is reporting a late payment on my credit report which is inaccurate It has been paid in full and needs to be updated on my credit report to XXXX and equifax. under the law 15 usc 1681 they should update my information as accurate and correct. ythis is keeping e from being aboe to run my business properly because of the late payment. please remove it from ny credit report immediately