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

I, the consumer sent Equifax a removal letter through certified mail. The dispute letter was sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " 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 my consumer report. '' I also sent the letter with a green return receipt and an agent signed saying they received it. Under federal law, this corporation has violated me as a consumer. Equifax 's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them directly. I have disputed the items on my report many times with little to no response from this company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Pursuant to 15 USC 1692g a corporation can not validate an alleged debt. Due to Equifax 's noncompliance, I have not been able to relocate my family to a safer environment. I have been embarrassed due to denials. This company has caused me and my family many hardships due to the alleged debt being reported on my consumer reports. Pursuant to federal law, only factual information can be on a consumer report. This is identity theft and there is no statute of limitations on fraud. They have infringed on my right to privacy and defamed my character.
Complaint sub-issue: Problem with personal statement of dispute

I applied for a Government Small Business Loan through XXXX XXXX on XX/XX/XXXX I was denied because I had issues with my credit report, three negative items were affecting my score, I called these 3 creditors they provided me with paid in full letters and I dispute the 3 accounts with the 3 credit bureaus ( XXXX, Equifax and XXXX ), finally on XX/XX/XXXXthese 3 accounts were deleted form XXXX Credit Report, I went to XXXX XXXX again on XX/XX/XXXX with the XXXX   credit report sent by this credit report bureau by regular mail with all the disputes resolved. These 3 accounts were removed and deleted from XXXX Credit Report however from XXXX and Equifax I am still in dispute with them with the same accounts, my company fullfilled all the requirements and the Bank didn't even consider that XXXX credit report was accurate, the bank denied the loan because the issue was not resolved with the other credit bureaus XXXX and Equifax knowing that these accounts were the same ones deleted from XXXX.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to the credit bureaus on XX/XX/XXXX, asking them to investigate errors on my credit report. All three were supposed to respond within 30 days, but I have only received a response from XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CREDCO INITIATED  XXXX  FRAUDULENT INQUIRES ON MY CREDIT. THESE FRAUDULENT INQUIRES WERE INITIATED ON  XXXX   XXXX ,  2017  &  XXXX   XXXX ,  XXXX , &  XXXX ,  2017 . REMOVE FRAUDULENT INQUIRES.
Complaint sub-issue: Company closed your account

I was alerted by a credit union that my Discover card was closed. This is the second time they have messed up my credit by just closing my account. I spoke with XXXX who just said they will call me back and that I spoke with someone about sending a 4506. I never spoke with anyone at Discover prior to her and all she could say was I needed a 4506 verification for a card I have been using which sounds like some mess they do when they want to mess up your credit because I have tons of credit cards and this has never happened. Well over XXXX in credit. I need my credit score returned to what it was and I need something done about my cash back money they kept. Im appalled at their lack of professionalism!
Complaint sub-issue: Their investigation did not fix an error on your report

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
7. This account is reporting unverified inaccurate information and must be removed i have paid this account in full and it must be removed XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
8. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
9. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Complaint sub-issue: Account status

Equifax Information Services , LLC XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. 
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( XXXX ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT. BAL : {$8500.00} This ACCT. is duplicate with multiple listing as open error please delete.. 
2. ACCT. NAME : XXXX XXXX XXXX - XXXX XXXX XXXX ) ACCT. BAL : {$1200.00} This ACCT. is duplicate with multiple listing as open error please delete. 
3. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$500.00} This ACCT. is duplicate with multiple listing as open error please delete inaccurate. 
4. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$420.00}. This ACCT. is duplicate with multiple listing as open error please delete. 
5. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$440.00} This ACCT. is duplicate with multiple listing as open error please delete.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a block on my credit files with XXXX, XXXX and Equifax. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXXXXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.
Complaint sub-issue: Received bad information about your loan

I called my Federal Student Loan servicer XXXX  concerning the loan. I explained to them my loan was showing paid off for the last 4 years than all of sudden reappeared. It showed in good standing and paid as agree on the credit bureaus ' reports. They are also saying my student loans doesn't qualify for the federal forgiveness program when they are federal loans. I need someone to check into this situation because something isn't right.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX  and Equifax will not show me proof of validation of a bankruptcy showing on my credit file. I have disputed with all 3 bureaus multiple times and they still will not show proof. And I need something done about this especially when they will not validate proof
Complaint sub-issue: Used obscene, profane, or other abusive language

The company, PCB called from XXXX, in an effort to collect on a debt owed to XXXX XX/XX/XXXX XXXX in XXXX, OH. My daughter had suffered an accident in the Fall and at the time her mother was handling the medical bills, as was our agreement in our parenting plan. Her mother died in XX/XX/XXXX, and I have been slowly learning of and resolving the outstanding medical debts. 

Over the last month I have already resolved over {$1100.00} of outstanding bills, including {$750.00} just earlier this week. On Thursday, XX/XX/XXXX, at XXXX XXXX  I received a call from PCB while I was on my way to work ( I work second shift for a State agency that manages XXXX broadcasts in the State of Ohio ). The caller informed me she was calling to resolve a bill owed to XXXX XXXX XXXX. I informed her that I was driving and could not resolve the issue at that time. The caller told me that she would mark that down as a refusal to pay. I told her I wasn't refusing to pay, I just could not retrieve my payment method at that time.The caller informed me she could wait for me to pull over so I could retrieve my Credit Card. I informed her I was on the freeway and could not pull over at that time. The caller informed me she would wait. I said fine and continued to drive. About a minute later she asked if I was ready. I informed her that I was not, that I was still on the freeway. She again said that she would mark it as a refusal to pay. 

Once I was at a safe place to park, I contacted XXXX XXXX XXXX myself and took care of the balance directly.
Complaint sub-issue: Information is not mine

Last Saturday I applied an " Apartment Rental '' application form to move into a nicer Apartment Complex. I easily met the income requirements. Yet when the apartment " Leasing Consultant '' ran my " Equifax '' credit report it came back that I had a home " Foreclosure '' of some type either in XX/XX/XXXX or in XX/XX/XXXX. This is not mine. I am a victim of " Identity Theft. '' I then called " Equifax '' 2 days later and was told that they were n't going to " Delete it '' and that they also was n't going to mail me my FREE copy of my " Equifax '' credit report which by Federal law, I 'm entitled to.
Complaint sub-issue: Debt was result of identity theft

The account is fraudulent. I never opened this account. XXXX should confirm the identity and address of the owner before opening the account.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I just received notice that Citi Costco card decreased my credit limit, reason being that my other balances on cards are to high and also indicated I had a late in 12 months. This is not accurate, I have not a a late with any cards in the last 12 months, I always pay my bills and have been working on paying down my credit cards. I am not a liability as I always have made payments to my accounts and even larger lumps sums at times. Times have been harder and therefore credit cards have been used, but I should not be penalized for that as I continue to always make payments. I request my credit limit be increased back to the original limit amount. Decreasing my credit limit is only going to hurt me further and this is contradicting as Citibank/Costco is decreasing my available credit to my balance which will again make my debit ratio percentage high. Please reconsider reversing this decision as I have been a loyal Citibank customer and this is not right.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 LexisNexis received my dispute from the U.S. Post Office with a return receipt with signature confirmation concerning multiple errors pertaining to my LexisNexis C.L.U.E . report. 

Since XX/XX/2020 I have waited for over two months for their response and nothing has been rectified since my dispute was delivered. 

It has been over 60 days and LexisNexis had 30 days to respond and the extra 5 business days after completing the investigation to notify me of the results of the disputes. 

There were no extra disputes mailed after XX/XX/2020 which would of made this dispute stretch to 45 days or more. 

Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 
if the credit reporting agency does not respond within 30 days they are obligated to remove the disputed record ( s )
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent  XXXX  written request to Equifax requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify.  Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Accounts Original Creditor : 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 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 Responsibility : Individual Remarks : each of these accounts 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: Problem with product or service terms changing

Since the Equifax security breach I have been trying to stop them from collecting my data. 
I do not trust them any longer, as they have shown to be terrible custodians of my information. The best they seem to be able to do is to put a credit freeze on my report. This does not stop them from collecting my data. How can I stop them from collecting any more data on me?
Complaint sub-issue: Information belongs to someone else

This account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/2018 Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive contacted MoneyLion XXXX times over the past 12 months to request proof of late payments. When disputing the information with the XXXX credit bureaus, each time, moneylion has retaliated by adding more negative payment history to my reports. This is extremely frustrating because I was never late on this account and in fact I paid off this account many months early. In addition to paying the regular payments of the loan, they also deducted monthly membership fees that were extremely confusing and resembled additional interest charges.
Complaint sub-issue: Problem with customer service

I have tried calling XXXX XXXX XXXX Card customer service multiple times to tell them I have not received a statement this month and to ask about other issues. No one answers the phone, the automated system goes nowhere. I am on hold for hours after which it hangs up on me. I have called at different times of day and night, same issue, on hold. No one answers. I expect to be able to talk to a human when I have issues about my card.This is not right. Customer service is non existent. 
I called the customer service number and the technical assistance number, same result, on hold, no answer from a human. 
Also, last month when I made a payment the agent wrote the wrong account number on my payment and they classified my account as past due but did not notify me for almost a month, when I got a call from collections dept. about " past due '' payment. I ALWAYS pay on time, have not been late in 26 years.I asked for a letter saying it was not my fault and only got a form letter which stated payment amounts.
Complaint sub-issue: Information belongs to someone else

There are two collections on my file from XXXX XXXX XXXX ( Account numbers XXXX and XXXX ) these are from a medical laboratory. I contacted the lab and they agreed that these did not belong to me. They said they would call them back from the collection agency and remove them from my file. This was the first of XXXX. 

I disputed these with all three bureaus and not only did they leave them on my file but they updated them again for an additional month. 

This is a violation of my rights under the Fair Credit Reporting Act.
Complaint sub-issue: Account information incorrect

XX/XX/2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX/2017. 

US Bank has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called US Bank and disputed with the credit bureaus repeatedly without their taking any action to help me. 

US BANK account # XXXX Balance approximately {$6000.00} Home Equity line of credit
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. 

Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
# XXXX, Account name : XXXX & XXXX Original creditor : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : 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 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: Account information incorrect

PLEASE SEE ATTACHED COMPLAINT : XXXX has failed to apply the corrections regarding a charge off ( XXXX  XXXX ) account appearing in error and a name appearing in error ( XXXX XXXX ) despite two attempts. XXXX has used threats and XXXX against my family while enriching themselves with the sale and enrichment of themselves without providing just compensation to me or my family.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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