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

The credit bureaus stated that these accounts were properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and they also violated my rights under 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 : states that a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem with additional products or services purchased with the loan

My car was totaled in an accident. The other drivers insurance paid for the car and my gap insurance paid in full. I am receiving on my credit report and amount of {XXXX} that can not be explained to me. The car was totaled and was pay off by the other drivers insurance. This occurred in 2016 and now this is appearing on my credit.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A.State 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 report an agency may meet any consumer reports they need any of the following items of Information other than records of conversation of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnished any information related 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: Information belongs to someone else

THE CREDIT COMPANYS HAVE YET TO REMOVE THESE ACCOUNTS THAT DOES NOT BELONG TO ME AFTER ASKING FOUR TIMES TO REMOVE THEM MY NEXT STEP IS A COURT ROOM
Complaint sub-issue: Their investigation did not fix an error on your report

I paid off my car lease with XXXX XXXX XXXX and closed my account. Eqiufax credit reporting agency is still reporting my account open with a balance. I have disputed this matter twice with Equifax and they keep reporting my report incorrectly. It should say closed with a XXXX balance. I have provided a letter from XXXX XXXX confirming my closed account
Complaint sub-issue: Information belongs to someone else

I checked my credit report last XXXX XXXX since I received a letter from one of my creditors that they are lowering my credit limit due to a negative report of my credit. I found out that a credit card issued by Discover Financial Services was opened last XX/XX/2019 without my knowledge and authorization with a credit limit of {$5000.00} and unpaid balance of {$4900.00} and still ongoing as of todate..Per credit report account was closed by Discover on XXXX.I disputed the account last XXXX XXXX. Per Discover report to XXXX the account was accurate.However I never applied nor authorized anybody to open an account with Discover. I do not have or have had any account with Discover.I went to XXXX Police Department and file a complaint of Identity theft with Police Report file no.XXXX.I have also filed to Federal Trade Commission Identity Theft Report with FTC Report No . XXXX.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report, I found numerous accounts listed that are NOT related to any transactions made by me. This was a result of malpractice or an error.
Complaint sub-issue: Seized or attempted to seize your property

I have new and updated information for the complaint # XXXX with XXXX. 

I received communication from XXXX on XX/XX/2021 threatening me with legal action if I do not give them my property. I have a cease and desist on XXXX dated XXXX. XXXX has violated my consumer rights under the FDCPA. 

I have attached a copy of the communication that was sent by XXXX.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am a victim of Identity Theft. I have recently obtained a copy of my credit report and the information does not relate to any transaction that i have made and has incorrect addresses. I am requesting that the credit bureaus completely block and remove this incorrect unknown information from my credit report.
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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Their investigation did not fix an error on your report

I sent this complaint to the bureau onXX/XX/2021 by certified mail. They have not addressed the issues and it still remains. The items do not belong to me and i am wanting it to be removed. Here are the items : XXXX  # XXXX, XXXX XXXX XXXX # XXXX.
Complaint sub-issue: Debt resulted from identity theft

ECMC is reporting a fraudulent debt on my credit report and is attempting to collect without giving me any information. I already explained that this was not my debt. I pulled my credit report and their address is not listed. Please see page XXXX on the attached below. 

Also I 've uploaded my FTC documents for your review. 

Please help me get this resolved, it 's affecting my family. 

thx XXXX ( XXXX XXXX )
Complaint sub-issue: Information belongs to someone else

FEDERAL STUDENT LOANS are on only one credit report ( Equifax ) but has been removed from XXXX and XXXX. Equifax was breached as well as XXXX XXXX and my information was compromised. I filed an Identity Theft Report and Equifax has refused to remove the disputed accounts which is not uniform with the other 2 credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

On XXXX, I applied for a Consumer Store Credit Card with XXXX XXXX. My credit inquiry should have been conducted by XXXX for review. Instead it was conducted by GreenSky Trade Credit, without my consent to do a credit inquiry. I did not apply for a " XXXX XXXX Credit Card '' My application was strictly for a Consumer credit card. I attempted to resolve this matter with Green Sky. Was told by agent to call Credit Reporting Agency. In which is XXXX. XXXX advised that company is responsible for action to remove/ delete inquiry from my report, considering it was not authorized. Please reference Application number XXXX. My request is for immediate removal of this unauthorized inquiry.
Complaint sub-issue: Debt is not yours

the debt collector violated 15 u.s. code 1692g Validation of debts. they never written me a validation letter that these accounts was my debts that i owed. account number XXXX, account number XXXX, account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

The NRA LLC ( National Recover Agency ), stating to represent utility provider XXXX repeatedly calls my home attempting to collect a debt that is not mine. I have made numerous attempts to convince them that the debt is not mine and that the last XXXX digits of the social security number they have provided are not mine and the address of the property involved is not owned by me or under my control. They have threatened to take legal action if I do not satisfy the debt, refuse to hear my explanations, have hung on me and continue to harass me after I have asked them to cease calling.
Complaint sub-issue: Account status incorrect

As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Complaint sub-issue: Debt is not yours

Progressive management systems violated title 15 usc 1692c they didnt have my written consent to contact me nor did they have consent to contact any 3rd party ( credit bureau ) without my consent which is invasion of privacy and especially when progressive management systems is FTB suspended which means they are not licensed to do business they can not legally do business Ill upload it on here. Im asking for monetary relief and please be advised that the address thats on the Secretary of State is different from progressive management system address when they registered in 1978
Complaint sub-issue: Information belongs to someone else

The following accounts are fraud and do n't belong to me. I have disputed with Equifax, XXXX XXXX & XXXX a number of times and it comes back as verified. But Equifax ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These credit inquires are unauthorzied and needd to be removed from my credit report immediately.
Complaint sub-issue: Account status incorrect

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXEQUIFAX/XXXX RE :  XXXXXXXX XXXX XXXXXXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or " suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Billing problem

This is my ( XXXX XXXX XXXX second attempt to resolve this issue through the FDIC/CFPB. Reference original complaint XXXX. This is my written consent that US Bank is authorized to contact the third party referred to in the original complaint XXXX and I am also consenting that US Bank may access my lease account to access past payments. I also authorize US Bank to contact me directly at XXXX to obtain authorization to contact whomever they need to contact. US Bank does not provide confirmation numbers on payments made online, therefore, I can not reference specific tracking numbers provided by the company in this complaint. This complaint is in reference to US Bank Lease XXXX for a XXXX XXXX XXXX. The lessee is XXXX XXXX and I am him, and I am issuing this complaint. 

U.S. Bank, online banking ( https : //onlinebanking.usbank.com/ ), has charged me two times when I submit a payment one time. This has occurred on multiple separate occasions. This happened on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. After I submit the payment from US Bank online banking, two pending charges are shown on the US Bank online banking. When I call in to US Bank customer service, they tell me there is nothing they can do to stop the payment. The only option US Bank provides me to return the payment to me is by cashier 's check in paper mail, which takes 10 days on average to get to me. I have incurred many overdraft fees at my financial institution as a result of this and I have attempted many times to be proactive about resolving the issue caused by the obvious error in the US Bank online banking and US Bank has not helped to resolve the issue or even look in to the issue with their online banking website. I have attached 4 months of lease billing statements showing proof of the lease, lease number, lessee information, and Base Rent plus tax.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Sir, Equifax did not address my previous consumer financial protection bureau complaint and did not resolve the complaint, where as closed XXXX credit card and loans information missing in the credit report since XX/XX/2018. I also ran Equifax credit report dated XX/XX/2018 and I did not find closed DCU credit card and missing XXXX Auto loans in the equifax credit report , which have been paid off and also attached XXXX closing Auto Loans to my previous consumer financial bureau complaints. I have no idea, what kind of fraudulent investigation has been done by Equifax and there was no evidence and no investigation report attached to my consumer finance bureau response. Removing closed Auto Loans/Credit cards from credit report is a fraud and unlawful. Equifax interim response to CFPB on XX/XX/2018 that they were working on my complaint and response is in progress. Equifax again responded to CFPB on XX/XX/2018 that they mailed investigation report on XX/XX/2018 (  which is Sunday, Equifax also mentioned in the CFPB 's response that Equifax does not work on Saturday and Sunday ). Also, there is no investigation report and evidence attached to the CFPB 's response and I did not receive any Equifax Investigation Report dated XX/XX/2018/Evidence over the mail. Could you kindly direct my complaint to Respectable Federal Officer against Equifax, their fraudulent investigation, no evidence attached to my previous complaint response, also no explanation why closed XXXX credit and auto loans removed/missing from the credit report. Could you direct Equifax to add/update my closed XXXX credit and Auto loans in the credit report, which needs to be part of the credit report for at least 7 years. I need the complete documentation and Equifax fraudulent investigation to submit to concerned courts and Law Enforcement officers. XXXX holds the complete legal accountability and responsibility for missing Auto Loans, my Vehicle VIN number and various other information related to these XXXX loans.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, I received an email congratulating me on a new XXXX XXXX card that I did not request or open. I immediately called the XXXX XXXX charge services number and reported the fraudulent card. I was told someone from the XXXX department would reach out to me via call or email. I asked whether the account would be closed immediately or at least blocked until the investigation was completed and it could be closed. The representative just said, " don't worry, ma'am, they will handle this correctly. '' I never heard from anyone and then received the physical card in the mail ready for activation. This was over a week after my call. On XX/XX/2022, I called the XXXX XXXX charge number again because even though I disputed the inquiry on my credit reports, the account still appeared as XXXX of my accounts. This could have been prevented by closing the account on XX/XX/XXXX as I requested due to true identity fraud. When I called in XXXX, I was told the XXXX department wouldn't have reached out to me and that the information I was provided was incorrect. I was given a separate phone number to call instead of connected directly to the fraud department. The account should never have been opened, and my credit report should not be affected by the identity theft that occurred. The inquiries were not even posted yet when I called in the first time.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a US Bank checking account on XX/XX/2021. I completed the necessary direct deposits transaction within the given timeframe of 60 days of account opening to receive the promotional {$250.00} bonus from the bank. After completing these necessarily steps and waiting the 60 days for the bonus to show up in my account, I have received nothing. I have heard of other consumers having this problem as well.
Complaint sub-issue: Reporting company used your report improperly

I have asked the credit bureaus to do a Theral review of the credit report they it but there are still inaccuracies found. in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights, 15 u.sc 1681 section 602a section 2 it also states consumer reporting agency can not furnish a account without my written instructions. therefor they are wrong
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was one of the impacted consumers of the Equifax data breach announced on XX/XX/XXXX. On Equifax site I am informed I am one of the potentially impacted consumer and when I tried to enroll for the free TrustedId program for those impacted by cyber security breach, I am informed I am already enrolled with am effective date of XX/XX/XXXX. Tried reporting the issue over phone to the contact center, and failed to take a complaint or registering the reported incident, and was redirected to the site where there is no additional means to report the issue. I repeated that I am very concerned that somebody with my information has enrolled but Equifax said there is no way they could do anything on that.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 Lexis Nexis has sent a letter stating they verified information for bankruptcy XXXX with a third party known as XXXX. When I previously attached a letter stating that the bankruptcy court does not report information to the credit bureaus. 

The credit bureaus stated on my credit report, that they verified the bankruptcy with Lexis Nexis and now Lexis Nexis is stating they received the information from XXXX. 

Lexis Nexis has violated my rights. I have not given them written permission to put anything on my credit profile. 

Lexis Nexis has no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft in pursuant to 18 usc section 1028 A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Complaint sub-issue: Debt was result of identity theft

This collections first appeared on my account in XX/XX/XXXX in the amount of {$460.00} for XXXX XXXX. I contacted the collection agency directly to obtain information regarding this account. The collections agency suggested that I speak directly to XXXX XXXX. 

XXXX XXXX provided me with forms to complete to dispute the account. I completed these forms and returned them to XXXX. After numerous letters mailed to the credit bureau, all three collections removed the collections from my report. 

A few months later I received a letter from XXXX stating that the account would be removed from collections. 

In XX/XX/XXXX the account showed up on my credit report again for XXXX XXXX in the amount of {$460.00}. Because XXXX had confirmed with me in XX/XX/XXXX via letter that this account was indeed fraud and they would report to the credit bureaus. I disputed the account with the credit bureaus. 

Again this account was removed from my credit report. 

Here we are in XX/XX/XXXX and the same fraudulent account is reported to my credit report again for XXXX XXXX in the amount of {$460.00} this time.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a XXXX XXXX scooter in XXXX directly from XXXX XXXX. The scooter arrived broken and caused an accident with my child. The company refused to issue a refund so I initiated a dispute through my credit card ( Citi-Mastercard ). The credit card will not charge back the funds even though the company scammed me with a broken product.
Complaint sub-issue: Reporting company used your report improperly

On the date of XX/XX/2022 I disputed several inaccuracies on my report. All were removed, but two has come back & it's causing severe damage to my profile. According to the FCRA several of my rights have been violated. 
15 U.S.C.602A : States my right to privacy 15 U.S.C. 604A : States a consumer Reporting Agency can not furnish my information without my written consent. 
I did not give permission for any of these companies to furnish my information.