Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

CFPB complaint ID XXXX dated on XX/XX/2022, I XXXX XXXX XXXX Consumer, have notified the Credit Reporting Agencies Equifax XXXX XXXX, that the Inquiries that is currently being furnished on my Consumer Report is FRAUD and is IDENTITY THEFT and Equifax Information Services LLC , willfully and knowingly and intentionally broke Federal Law and Refuses to remove such FRAUD Inquiries AFTER Ive notified Equifax dated on XX/XX/2022 that the Inquiries is Unauthorized use and Identity THEFT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! IDENTITY THEFT!!!!!!!!!!!!!! IDENTITY THEFT!!!!!!!!!!!!!!!!!!!!!!!! 

CFPB, this why its important you continue to sue the Credit Reporting Agencies, such as Equifax, XXXX, XXXX, because theyre going to continue to violate Consumer Rights and break Federal Law and shall be held accountable and prosecuted for their criminal activities. 

XXXX XXXX XXXX Equifax Information Services LLC CEO and Equifax ignorant employees willfully and knowingly and intentionally broke Federal Law Title 15 U.S. Code 1681s2 ( 6 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies ( 6 ) Duties of furnishers upon notice of identity theft-related information ( A ) Reasonable procedures A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 

Being that Equifax Information Services LLC, XXXX, has willfully and knowingly violated Federal Law and failed to remove such Identity Theft Inquiries, I will file a lawsuit against Equifax, XXXX for willfully and knowingly violating my rights and Federal Law, and Fine the Consumer Reporting Agencies {$100000.00} ( PER VIOLATION ) for noncompliance under the Gramm-Leach-Bliley Act with prejudice!!!!!!!!!!!!!!!!!!!!
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX who is a natural person/consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this issue after numerous of attempts. Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairly and accurately reporting information on my consumer report. Furthermore, pursuant 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR THESE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT! Their actions is damaging my reputation, character, credit worthiness since their failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report per 15 USC 1681e ( b )
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by the Equifax and XXXX..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Complaint sub-issue: Charged too much interest

In XX/XX/XXXX, while XXXX XXXX XXXX full-time, I took out a Citi credit card to assist in making every day purchases as I had very low income. During the period in which I used the card for purchases, between XX/XX/XXXX and XX/XX/XXXX, I charged a total near {$6000.00}. Payments on the account have almost always been current with very limited past due payments. 
Since beginning making charges in XX/XX/XXXX, I have always made a monthly payment often higher than the minimum amount due.

However, to date, in XX/XX/XXXX, my balance remains close to {$4000.00} and the company is unwilling to settle the remaining balance unless I allow the card to go into collections, ruining my credit. 
At the time that I took out the card in XX/XX/XXXX, I was XXXX years old and did not understand that I would be paying on the card for the next 11 years. I have since gotten married, started a family and am still paying off this debt incurred during college. I feel strongly that Citi credit card company has taken advantage of me as a young person who did not know better. They used predatory lending practices to prey on me as a XXXX XXXX, instituting high interest rates on my card, and have refused to allow me to settle the balance remaining on my account. 
Just today I tried to settle the account and was informed by both a Customer Service Representative and the Customer Service Manager, XXXX, that I am not eligible to settle because I have been making current payments. If the account would go into collections, they would settle it then. However, because my account is current and I have been making payments toward Payment Protection Insurance, I am not allowed to settle this account. 
These practices take advantage of consumers in a young, volunerabble state and do not allow those consumers to settle or close out their account balances a decade later when they are trying to raise a family. This type of predatory practice results in my family 's inability to rise above the credit taken out years earlier and move on to something new. 
As such I would ask that the company be made to explain why they refuse to settle an account without first ruining the credit of the individual consumer involved.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Dept of Ed/XXXX Account # XXXX XXXX of Ed/XXXX Account # XXXX Dept of Ed/XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX have 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 incorrectly that I am ( 120 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Account information incorrect

Proven hippa violation!!! 

Both Equifax and XXXX has favored XXXX XXXX XXXX every single time and now i have the proof because they sent to me what they used for validation and it is a direct HIPPA violation.! Remove these accounts immediately or I will file suit against you in 48 hours in XXXX XXXX XXXX XXXX XXXX, NC. You failed me so many times i am not happy! 

Delete those XXXX XXXX XXXX accounts immediately!!
Complaint sub-issue: Information belongs to someone else

I have tried numerous times trying to get these address remove off my credit report and it seems that it wouldn't come off. so I'm gone attach my lease so you can see I been staying at one address all my life basically.
Complaint sub-issue: Other problem getting your report or credit score

My apologies, I do not have all the dates but I have contacted Equifax on several occasions during the last two years as they do to make available my score to financial companies that require from Equifax, XXXX  and XXXX a report. I do have the latest from my bank, XXXX XXXX XXXX XXXX, XXXX. which does have a date of XX/XX/2018. When spoken by phone in the past, they keep saying on the phone they do have my score, still it does not get reported even after I filled out forms and sent direct. They have indicated in the past that I do not have long history. But my question is why the other reporting agencies have more than 20 years of " excellent history ''. Can you help correcting this? 

Thank you, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Account information incorrect

I had a XXXX grant which I converted to loans last year. At that time, I was told by a representative at XXXX XXXX that these new loans would be rolled into municipal existing loans and added to my monthly payments. I just noticed yesterday ( XX/XX/2018 ) they were delinquent ( 11 missed payments ) with no emails or notifications from XXXX about any of the missed payments. Again, I was told they would be added to my current loans, so I thought they were being taken out all along. I want this taken off of my credit report as this was not my fault. I paid off the outstanding balance yesterday ( {$1100.00} on XX/XX/2018 ). I have paid every single other loan on time. I am a great customer who clearly trusted the word of someone at a XXXX XXXX company.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I would like to explain the problem in the simplest way possible. I bought several 12-hour packages on XXXX XXXX  is an online tutoring website. They made an automatic charge for 12 hours that I did not authorize. As soon as I complained to XXXX about this unauthorized charge, they issued me a refund. They charge a small fee per transaction, in this case, XXXX, which they charged to the card in order to give me a refund. They authorized the refund for XXXX but for some reason the bank did not apply it to my account. 
Please, you will be able to find attached to this document the XXXX refund receipt which by itself should clarify any doubt, and you will also be able to find the chats with customer service about the refund. 
As you can clearly see the problem is not with XXXX They agree with me that the charge of XXXX was unauthorized and approved my refund. the problem is with CITI BANK which refuses to give me my money back. 


citibank Case ID XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I HAVE DEMANDED THIS COMPANY REMOVES THIS INACCURATE HARD INQUIRY FROM MY CREDIT REPORT THEY HAVE NOT TAKEN ACTION
Complaint sub-issue: Attempted to collect wrong amount

MARS is still stating the old amount that we owed. On XX/XX/XXXX XXXX XXXX at XXXX at XXXX XXXX XXXX  agreed to take off {$850.00} of the amount that we owed. We had already paid 30 % of the amount that we owed plus the {$850.00} we should only owe a little over {$300.00} now. MARS is still reporting to the old amount before the {$850.00} was taken off. XXXX XXXX said that she has reported this to MARS more than once.
Complaint sub-issue: Application denied

Citibank denied me on XXXX/XXXX/17 a Citibank business XXXX XXXX Advantage card. Application ID : XXXX. The denial was based upon religion. My credit score is very high. I would not mind if they gave me a card with low credit, but they outright denied.
Complaint sub-issue: Overdrafts and overdraft fees

Over the past few days I've received {$230.00} in overdraft fees, even after depositing money, but because of the way checks and my paycheck were posted I received even more including on a XXXX cent withdrawal. I did the math beforehand and at this point I should have around {$200.00} in my checking account with deposits, but now I have - {$70.00}. There is no way I can continue to pay bills, if I keep getting slapped with these fees on top of fees. I will never get caught up.
Complaint sub-issue: Public record information inaccurate

I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report ( an alleged Bankruptcy chapter XXXX account unverified information ). I was furious to learn that they obtained unverified information from LexisNexis and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company XXXX LexisNexis XXXX reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and LexisNexis, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. LexisNexis is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with LexisNexis and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do this immediately.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX a hard inquiry XXXX , THD/CBNA ( late payments, when paid on time ), bank of XXXX 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX CAR which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX CAR was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Attempted to collect wrong amount

See attatched Equifax Credit Report by XXXX XXXX. See attatched XXXX  Letters of Collection card # 1 XXXX XX/XX/XXXX, card # 2 XXXX XX/XX/XXXX, card # 3 XXXX XX/XX/XXXX. Kindly Note many replacement cards AFTER CALLING REPORTING FRAUD a new card was issued. Three different cards each provided each month I called to report. NOTE XXXX Provided NO ACCESS due to my XXXX   XXXX. I HAD NO OTHER OPTIONS XX/XX/XXXX. See attatched FTC ID THEFT case XXXX dated XX/XX/XXXX. XXXX  NO ACCESS NOT XXXX COMPLIANT. See attatched MAIL FRAUD DOCUMENTATION Criminal Investigation United States Postal Inspection XX/XX/XXXX Deliveries Not Made USPS. See attatched XX/XX/XXXX NOTE A DIFFERENT card # 4 CARD REPLACED DUE TO CALLS OF REPORT OF FRAUD.card XXXX NOTE ** Transactions Not eligible for credit NOT REPORTED TIMELY. OVER {$2000.00} NOTE months dates on letter ARE NOT PAST 60 DAYS. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX NOT PAST 60 DAYS. See attatched STATUES FOR ID THEFT. XXXX  Violates Federal Laws. XXXX  denied my claims and now wants to collect. My credit destroyed.
Complaint sub-issue: Account information incorrect

All three credit reporting companies are reporting my last car payment to XXXX XXXX reflects XX/XX/2019. I have payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019, all of which are above the minimum amount due. These payments would of course reflect positively on my credit score!!
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/2018 I had a XXXX XXXX  XXXX done. I was XXXX at the time, but due to a strong family history of XXXX XXXX, I had to have XXXX done starting at age XXXX. 

The billing department forgot to code the XXXX with " family history '' and I was denied as " non covered benefit '' because of my age. I never received any notification that this was unresolved until it showed up on my credit report. 

I disputed it thru my XXXX XXXX app, and it was determined that the account was valid. 

I reached out to the Doctors office and explained that it was not clear to me why a XXXX XXXX which is covered at 100 % on my policy is now a negative remark on my credit report and in collections. 

The doctors office advised that they fired their billing agency because this happens all of the time and that they would write it off because it was beyond the 120 days to alter the medical claim, that my chart indicated in several places that this was a covered benefit because of family history and it was an office error that the account was placed into collections. 

It is still negatively impacting my credit score. I have reached out to the credit collections company and advised everything to them about this and they won't do anything about this. 

The {$380.00} is the responsibility of the doctors office. They filed the claim wrong. They waited too long to correct it. They didn't do what they were supposed to do. My insurance company would have paid this at 100 % had the billing office done their job correctly.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Information is not mine

Ok I had someone steal my identity and have issue 's with Equifax keeping the fraud of my account. I have contacted them and they are doing nothing to fix just keep saying its facts. XXXX has done their job as this is what i pulled of my credit today as i copy. Since your last update on XXXX XXXX, XXXX, XXXX inquiries have been removed from your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX So I am asking equifax to delete these fraud inquiries as well.
Complaint sub-issue: Attempted to collect wrong amount

Procollect is a collection agency I guess for XXXX XXXX XXXX. I paid the XXXX XXXX XXXX in full. Procollect is stating on my credit bureaus I paid their collection company and stating a different amount. They r dishonest and inaccurate I have disputed this and the credit bureaus said it was validated. Which is not true. I gave copies of my money order receipts I paid to the XXXX XXXX XXXX to all 3 credit bureaus. And procollect changed the amount I had paid to an inaccurate amount. but still not to the accurate amount. I want this account immediately removed or I will sue procollect and each of the credit bureaus for dafamation of character
Complaint sub-issue: Debt is not yours

XXXX   XXXX   XXXX  is reporting a dept on my credit report in the amount of {$170.00}.   I am getting harassing phone calls from  REMEX INC. w hich is the debt collection agency that  XXXX   XXXX   XXXX  submitted the debt to. Each time no one would give me any information. I never received documentation from  XXXX   XXXX   XXXX  or  REMEX INC. statin g that I owed {$170.00} or even for what service was provided as the reason for owing.     I found out about the above issue by pulling up my credit information before I recently purchased a vehicle.
Complaint sub-issue: Account information incorrect

XXXX is not reporting three paid off accounts from XXXX XXXX, SST, and XXXX XXXX