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

I am a natural person, a living human being, I have rights under 15 U.S.C. 1681. 

Equifax is governed by 15 U.S.C. 1681 and has violated my rights multiple times, including as a victim of the renowned " Data Breach, '' where my name, address, DOB and SSN were compromised. I demand that the accounts listed below be immediately removed from my credit file because : According to 15 U.S.C. 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX. XXXX XXXX Acct. # XXXX, Date Last Reported XX/XX/2022, # of Months of Payments = XXXX, Credit Limit XXXX {$36.00}, XXXX, Actual Credit Limit XXXX {$29000.00}, and several payment discrepancies. 

XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX ) ACCOUNT DOES NOT BELONG TO ME!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted XXXX XXXX and spoke with a customer service rep. that stated she  couldn't locate an account at all. I demand this inaccurate information be removed from my credit report.
Complaint sub-issue: Information is missing that should be on the report

I am an authorized user on an XXXX XXXX card and a XXXX XXXX XXXX XXXX card. The two cards only show on my XXXX XXXX report. They are not showing on my Equifax and XXXX reports. XXXX XXXX was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting Equifax and XXXX, they are stating that they have never received the information from XXXX XXXX.
Complaint sub-issue: Debt is not mine

I do not know who this collection agency is or why they are demanding {$530.00} from me. I checked my credit report and this company appeared on it as a derogatory account. I have not received any correspondence from this company. It just appeared on my credit report.
Complaint sub-issue: Received bad information about my loan

I went to XXXX. Its parent company being XXXX. I attended the XXXX, PA location from XX/XX/XXXX to XX/XX/XXXX. I got a federal loan and XXXX Genesis loan to help pay for my education. I have been paying on the Genesis loans since XX/XX/XXXX. I have paid {$5000.00} interest on a {$10000.00} loan and only paid {$500.00} on the principal balance. I recently found out about the lawsuit against XXXX and the settlement that was reached in XXXX of this year to forgive 40 % of the genesis loans to those who qualify. After speaking with several people at Genesis and the CFPB, I was informed that I needed to file a complaint to have my case reviewed but that I should be eligible since I started late XX/XX/XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2021 I sent a debt validation letter to IC systems and got no response from them they had 30 days to respond by law they failed to provide me with documentation to prove that the alleged debt belongs to me. They received the certified letter on XX/XX/XXXX its been over 30 days and no response. This is affecting my credit worthiness I want this removed of all the CRA 's immedietely or I will be pursuing legal matters on this matter as a federally protected consumer. 


you will find the proof of the certified letter, proof of the company received the letter and never responded within the 30 days.
Complaint sub-issue: Problem using a debit or ATM card

Explanation of complaint : I was using the atm machine to deposit three checks totalling around {$3300.00} ( Paycheck through XXXX XXXX, Check from XXXX XXXX and a Check from XXXX XXXX XXXX ). I told the US Bank Staff Representative on site. The staff member told me they will give me a provisional credit in 10-business days, investigate my account and have a solution to me within 45 days. After complaining on XX/XX/XXXX and again on XX/XX/XXXX when they called me back that there was nothing they could do, they did agree to waive any of my overage fees. To me this is unacceptable. I could see it taking 3-5 business days, but 10 business days is unacceptable. I will have to incur credit card debt and other penalties from other agencies that may have auto-withdrawals with my account. Some of the money is repayment for a vacation house that we reserved and will be penalized for in interest fees.. I would appreciate any help you can give me, and I know that other poorer people could lose more than the interest and penalties that I can afford to pay.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I mailed a Dispute Letter to all three of the Credit Bureaus, to include Equifax. I mailed all of these by USPS Certified Mail and tracked all of them to their delivery dates. When I realized that it had been nearly 2 months without hearing anything from Equifax I call them on or about XX/XX/2022. 

In that phone call I made notes in order to reasonably follow through with receiving Investigation Results from Equifax. I first spoke with XXXX, XXXX ID # XXXX, who told me there was no dispute on file? I asked for her Supervisor and was put on a lengthy hold. When the call was picked up the Supervisors nave was XXXX, XXXX. ID # XXXX. Who proceeded to tell me that Equifax had never received my Dispute Letter. I replied saying that I had the USPS Certified Receipts to demonstrate that Equifax had in fact received my dispute on XXXX XXXX, 2022. XXXX simply denied that it had ever been received and, rather cavalierly, told me there was nothing left to talk about. They didnt have it and that was it, stating that there was nothing left for me to do other than file yet another Dispute? 

I informed both XXXX and XXXX of the fact that I have since received Investigation Results from both XXXX & XXXX. Where the disputes sent to them were sent on the same day I mailed my dispute to Equifax. In each case both XXXX and XXXX simply disregarded this information without reply as if it weren't even relevant to them. 

Here you will find four attached pages demonstrating 1. The letter I sent to Equifax, dated XXXX/XXXX/2022. 2. A copy of both the Purchase, for all three of the Credit Bureaus, and the Tracking Receipt for Equifax. 3. Two pages printed from the USPS Tracking site following the Dispute Letter to Delivery on XX/XX/XXXX. 

XXXX XXXX XXXX  Class Action Alleges Equifax Routinely Fails to Reinvestigate Disputed Consumer Report Information Rivera v. Equifax Information Services , Llc According to a class action, Equifax routinely ignores its reinvestigation obligation under the FCRA when a consumer disputes inquiry information.
Complaint sub-issue: Company closed your account

Citi closed my consumer credit card account without providing any notice or reason. The account is in good standing and not frequently used. I believe this could be retaliation for a previous CFPB compliant I filed against Citi.
Complaint sub-issue: Reporting company used your report improperly

the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX  XXXX Account Number - XXXX Late Payment - XX/XX/2017 Please update as soon as possible.
Complaint sub-issue: Funds not handled or disbursed as instructed

This is not the first time that I have an issue with Citibank 's dispute department. Every time I call, it seems that nobody knows what's going on. They tell me that they are making a note in the system that whomever picks up afterwards can't see. 

I contacted Citibank at some point in midXX/XX/XXXX about a XXXX transaction that I had cancelled because the recipient couldn't withdraw the funds. XXXX was very fast in answering my emails about the whereabouts of the funds. They informed me that the transaction was successfully cancelled and that the funds were credited back to my debit card in the amount of {$150.00}. They sent me an email with the date, amount, transaction ID number, card number where the funds were refunded. All this information was provided to Citibank along with a signed explanation of what happened. This was a form that Citibank mailed to me on XX/XX/XXXX. I mailed it back to them on XX/XX/XXXX. They told me that after receiving this letter, they would consider a temporary credit until the dispute was resolved. They acknowledged that they received the letter in XX/XX/XXXX and asked me to follow up after XX/XX/XXXX.
Complaint sub-issue: Didn't receive services that were advertised

In 2016 I contacted XXXX XXXX listed as XXXX XXXX to assist me in opening a small business.We had a number of issues and I was charged for services I did n't receive. I left XXXX XXXX and they have apparently hired XXXX XXXX XXXX a collection company to collect funding from me. They have also added this account to a collections acct on my Equifax credit report. I can not dispute this because no one will give no the account number which shows up as XXXX. So I can not dispute this without a number no one can give me and they are trashing my credit after they have done bad business with me.
Complaint sub-issue: Public record information inaccurate

Lexis Nexis ( LN ) violated my rights. I requested a investigation LN retrieved the request and communicated my request to the three credit bureaus. The credit bureaus did not respond. LN did not receive a response in 30 days. LN sent a letter regarding no response. FCRA states that if no response in 30 days LN must delete. LN violated my rights and did not delete the information after 30 days.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX charged a {$2.00} interest fee in the XXXX statement on debt that was paid in full on XX/XX/XXXX, which is the previous billing cycle. The customer service representative told me that was an attempt to collect, but allowed me to dispute the charge. However, I do not believe that practice is or should be legal. The only reason I notice the charge was that I had no purchases in the following months. I believe this is an obscure fee and it leads to consumers paying interest on debt that was paid in full.
Complaint sub-issue: Debt was result of identity theft

In response to complaint  XXXX  AMERICOLLECT  XXXX   XXXX  ACCOUNT  XXXX  To Whom It  May  Concern : Your company have violated the provisions of section  XXXX ,  XXXX  ( a ) (  XXXX  ), or  XXXX  ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ;  XXXX   XXXX  Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA  605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. Thank you.     XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX  COURT  XXXX ,  XXXX , FL  XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting an incorrect coding on the XXXX account number # XXXX. ( Please see page 5 of the attached credit report. ) This account is reporting as an I2 and actually it needs to be coded as an I1. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes, Equifax, XXXX, & XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below 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: Not given enough info to verify debt

I am unsure as to who this company is. This company contacted my mother and never contacted me. They contacted her on her cell phone and I have reviewed all of my records and have never received any correspondence from this company. Where is the VOD or validation of debt, if any. I do not know who they are collecting for and at this point the representative XXXX XXXX and her company Hunter Warfield are in clear violation. I am requesting this company cease and desist. They should only be using location information if they are unable to reach me, which they have not tried. I am unsure of what the antics are, I have read a lot on this company but this is my final attempt to get them to cease communication and to close any files they have as I am getting my lawyer involved.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
Complaint sub-issue: Account status incorrect

I was alert by credit karma that there was a collection in my credit report. 

Thats how I found out about credence resource management company. First of all, I never received any letter of intent to collect debt from them. They claimed the sent letter to my house. I told them I moved but my family still live there and I still collect my letters there. So I asked for a copy of proof for original letter they sent. THEY COULDNT EVEN DO THAT. they were stalling. I tell you why I asked for proof because 1. I have a post office account where they scanned all letters into system 2. We can see which letters are going to be deceived each day 3. So if they give me a copy and I can look back to the date of that week and see if it was actually deliever or not. But they couldnt produce it for me. So they lying.
Complaint sub-issue: Information belongs to someone else

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.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX**** and ( Original Creditor : XXXX XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by Equifax. I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX  Issue : Duplicate
Complaint sub-issue: Was not notified of investigation status or results

Hi please help, I sent several letters to the bureaus and haven't received a response yet. I'll got my credit report and seen incorrectly and unknown items on my credit report. It's been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. Please assist me with this
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, my account went delinquent. However, I have been paying XXXX XXXX XXXX XXXX XXXX dollars a month every XX/XX/XXXX of the month since XX/XX/XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i call to XXXX and they said that I has to call XXXX, when I call XXXX they said that they not have a XXXX inquiry in my credit report
Complaint sub-issue: Personal information incorrect

Hello, I send a letter to the 3 credit bureaus to fix my personal information and it was not fixed. As of today, it still says my name is XXXX XXXX XXXX. My real name is XXXX XXXX and also have an address that currently has nothing to do with me on there. I send them my Social Security Card and other government documents as evidence. 

Sending you the attached file. This letter was sent to all XXXX credit bureaus.
Complaint sub-issue: Information is not mine

I am filing this complaint against Equifax for refusing to remove a public record account that does not belong to me on my credit report. I have a written statement from the creditor supporting my claim. Equifax is confusing me with another " XXXX XXXX '' who has a different social security number. 

Dealing with this credit reporting agency has been a nightmare because no investigations have ever been made to prove that this belongs to me. The letter I have from XXXX XXXX XXXX XXXX clearly states that the account belongs to a man called " XXXX XXXX XXXX '' and that is not my name. My name is " XXXX XXXX XXXX. '' I filed a complaint before through this portal only to receive the following response from Equifax : " Equifax has reviewed your complaint and its records regarding your dispute. The Judgement case number ending in XXXX has verified name and address to be correct as reported on the credit file. '' The above response is what I have been receiving for MONTHS and is unacceptable. Why did I have go to these lengths to contact the creditor myself to prove that this is not mine? I want this complaint to be viewable by other consumers on the CFPB so they can see the utter disregard of the law this company employs in its practices.
Complaint sub-issue: Company closed your account

Discover Financial closed my credit card account inappropriately. I have been a loyal customer to Discover for 10 years and never missed a payment ever. I entered into a payment program in XX/XX/XXXX to pay down my credit card through discover, it was paid off in full in XXXX of XXXX. They never re-opened the account, and then I get an email in XX/XX/XXXX stating that they are closing my account. This has directly negatively affected my credit score that I have been working so hard to rebuild because now my oldest account has been closed and my available credit amount has been decreased by {$9400.00}. How can a company do that to such a loyal customer who has never missed a payment and was only taking advantage of the programs that Discover bolsters and brags about to help people make payments. I was given no answer to why my account was closed and when I spoke to the executive office on XX/XX/XXXX they state " we can not tell you what we look at because it's an internal process. ''