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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX 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 cant understand how this is happening to me. I have a fraud Alert on my credit files, how is it possible that these company that i did not give consent to, is able to open accounts using my personal Information.  theses Account are fraud i did not authorize anyone or any company to open these accounts i want them removed from my credit files Thank you.
Complaint sub-issue: Information is not mine

My name is and spelled as XXXX. My maiden name is XXXX. I have no middle name. On my credit report there is a XXXX and XXXX. Please have this information corrected on my credit report. My email address is XXXX Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX  XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX-XXXX XXXX  Account # XXXX, XXXX Account 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: Credit inquiries on your report that you don't recognize

Unauthorized inquires on my credit report I have contacted each company waiting for a delete and remove letter. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021
Complaint sub-issue: Account information incorrect

XXXX is reporting I owe on students loans that are 10 years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is 10 years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard inquiry on my credit for a limit increase. It appeared that the request would be a soft inquiry but ended up as a hard inquiry. 

I would like the hard inquiry removed from my report. 

This was my home depot credit card through Citi.
Complaint sub-issue: No notice of investigation status/result

I had disputed multiple items with all XXXX credit bureaus. It did n't even seem like they did investigation since a couple creditors had said I was correct and that it would be removed. So I sent a second letter asking for information on how the investigated it. Still nothing. Sent third letter letting them know they were n't following the laws and asked them to remove the items within 15 days and they are still in reports.
Complaint sub-issue: Information belongs to someone else

XX/XX/2017 a hard inquiry on my credit was established. I have disputed this over the last several months. I do not and have not lived in XXXX, IL. neither have I been to XXXX for over 20 years. Equifax refuses to remove this inquiry, along with the false XXXX hard inquiries that I have followed all of the correct measures to have removed, they also are from XXXX, IL. XX/XX/2017, XX/XX/2017, and XX/XX/2017.
Complaint sub-issue: Public record information inaccurate

I never live in the state of Georgia I never had any charges in the state of Georgia on your report it says that I had lost my license due to substance control code 893 Ive never been in Georgia never live there so whatever you have from that state is very very in accurate and I would like it removed from this report
Complaint sub-issue: Their investigation did not fix an error on your report

Account # XXXX XXXX XXXX XXXX On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Equifax on XX/XX/2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and XXXX XXXX reflecting that the amount was taken from my checking account by mail on XX/XX/XXXX. The account is listed as a charge off. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.
Complaint sub-issue: Account status incorrect

My account still shows a XXXX  XXXX XXXX XXXX  as " open '' although the loan was paid off XX/XX/2021. 
I filed a dispute, but their website was unable to upload my payoff confirmation letter. 
I then called Equifax, but was told that they are unable to accpet documentation submitted AFTER a dispute is filed. 

Complaint : Equifax 's policies prevent a consumer from submitting documentation in order to resolve a dispute
Complaint sub-issue: Sued w/o proper notification of suit

Nelson and Kenard is agresively attempting to collect debt for XXXX XXXX XXXX. When I requested them to validate these debts I got NOTHING back. At the same time XXXX XXXX XXXX validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to Nelson and Kenard .... Nelson and Kenard asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... XXXX XXXX XXXX still has the ownership of these credit card debt notes and I was advised to settle with them. However Nelson and Kenard has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!
Complaint sub-issue: Information belongs to someone else

i am requesting that these accounts be blocked from my credit report because they do not belong to me and i believe they are the result of fraud. i have reported these accounts to the federal trade commission, which in fact is a federal law enforcement agency just like my local police which i also filed a complaint with. im also including my current utility bill, social securtiy card and my california drivers license to verify my identity. please see attached ftc report and police report to have these accounts blocked.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for Equifax 25 for XXXX and 20 for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( Equifax ), 25 ( XXXX ), and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information  can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called Equifax to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact XXXX or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax did not read my request. It was clearly done by an automated system. My credit was dinged with multiple inquiries and the name on the inquiry is spelled wrong and is clearly not my current address. Equifax refused to rectify this
Complaint sub-issue: Investigation took more than 30 days

I have filed a compliant with the three credit bureau 's and the investigation took well over 30 days.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX {$95.00}, XXXX XXXX XXXX {$380.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claims ... accounts were settled ... I want it removed. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
You can not collect debts twice.
Complaint sub-issue: Called after sent written cease of comm

This is the third complaint regarding ATG. Yesterday I received in the mail a collection letter after XXXX XXXX XXXX sent a cease and deist letter. What part of cease and deist is n't understood?
Complaint sub-issue: Reporting company used your report improperly

{$72.00} Open balance XXXX XXXX XXXX  Original creditor {$99.00} XXXX XXXX XXXX  Original creditor {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor {$1200.00} Open balance XXXX XXXX XXXX Original creditor {$7000.00} XXXX XXXX XXXX  XXXX XXXX  Original creditor I do not agree with the outcome of these negative items on my credit report that I did not authorize, I am unaware and would like for these derogatory remarks be removed.
Complaint sub-issue: Personal information incorrect

Hello, I have filed multiple reports against Equifax about them not updating my personal information on my credit file. I have submitted and resubmitted, but yet it goes unchanged. That tells me they are possibly using a computer bot and not humans to read these dispute letters. I just recently received a letter from them asking me to pls to do the following : submit a copy of either my social security card, drivers license and/or an official document to update my name. You also stated that you were unable to honour my request by sending a revised copy of my Equifax credit file. I further advised them that I have sent a copy of an official document along with my drivers license which clearly shows my updated information. Im of the belief that, they're using a computer bot to respond to disputes otherwise they would have seen that those now requested documents were already included in my dispute request. I have pleaded with them to update my information multiple times but they have refused to do so and are now using stall or delay tactics. I have even filed several complaints with CFPB but yet they still ignore my request to accurately and completely update my personal information. This isnt acting in accordance with FCRA laws and guidelines. This makes the 5th and final request asking them to honor FCRA laws and guidelines by updating my personal information.
Complaint sub-issue: Reporting company used your report improperly

Accordance with the Fair Credit Reporting Act Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX MG CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU 100000 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 instructions.
Complaint sub-issue: Problem getting my free annual report

I wrote in all of my personal information, and once I got to the identification verification page which consisted of questions to confirm who I am, none of them applied to me, such as car loans, credit cards and home loans opened in my name - between XX/XX/XXXX-XX/XX/XXXX. After answering N/A to all that did n't apply, I was show a page stating I have to manually mail in a request form. Now I 'm concerned that someone has my identity and is opening and being approved for large purchases in my name. XX/XX/XXXX, I moved to XXXX XXXX, where my maintaince guy through my apartment complex stole my Social Security Card and Birth Cirtificate as well as my sisters, and fled the state ( ACCORDING TO THE LEASING OFFICE ) Back then I did n't know how to report such fraud. Please Help.
Complaint sub-issue: Their investigation did not fix an error on your report

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items
Complaint sub-issue: Debt is not yours

In XXXX of XXXX, I contacted XXXX XXXX via an online chat message. I asked them how I could start cellular service with them. They mailed me two new SIM cards, that ultimately didn't work for me, so I NEVER signed up for service with XXXX XXXX, and per them, I disposed of the useless SIM cards. 2 months later, I began to get bills from XXXX XXXX all day long. After about 1 week 's worth of calling there and being bounced between customer service and the fraud department, XXXX XXXX was able to verify that I had NEVER used their service, and they sent me an email stating that I didn't owe them any money and that the matter was closed. Two weeks later, I am getting a bill from a collections agency called AFNI for an amount of {$230.00}? That wasn't even the amount that they said that I owed. I have an email from XXXX XXXX which confirms this. How can I get these people to STOP calling me about a debt that isn't even mine? Now, the debt collection agency tells me that I have to file a police report? A police report for what? Not taking XXXX XXXX service? Please help
Complaint sub-issue: Reporting company used your report improperly

You continue to violate my rights by not doing an actual investigation included is proof. 
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

Name : XXXX XXXX XXXX XXXX : EMPLOYER XXXX XXXXXXXX XXXX EMPLOYER : XXXX Addresses : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There are multiple accounts of the same collection reporting on my credit report.
Complaint sub-issue: Can't get flexible payment options

Greetings, I am writing to complain about my student loans. I understand that the plan is to allow students to go to school to further their education, but the interest rates are extremely high. I will never be able to get out of debt and being that I went to college and was n't informed of the 5 years of deferment that has sky rocketed my loans. I feel that this has caused not only me, but others like me, to be in debt. I had to do a deferment for 3 months and based on the loan amount, 3 months add an additional almost XXXX to my loan. I do n't even make 2000 a month after taxes and there is no way that I will ever be able to pay this. I was not able to finish college because my mother had a XXXX during my college term and I was not able to finish because I had to drop out to help her. I am not making excuses but we are getting charged for stuff that we can not afford. We go to college with guarantees in our mental states that we will get a job, but rather then get a job we are getting high student loan rates. How is that if we have XXXX in the bank, we do not receive higher interest rates then 1-2 %, but if we owe student loan rates, they are tripling the debt? I am forced to live in a undersized apartment with my wife because we are both overwhelmed in student loan debt. We will never be able to afford a house or anything because the interest rate alone on the student loans has guaranteed us a life of poverty. I have even tried the student loan forgiveness plans and still I have come out on the bottom. My last check was {$850.00}. My part of my car note was {$310.00}, I filled up my truck for {$35.00}, I paid my {$100.00} towards my car insurance, and paid {$160.00} to cover my cell phone bill and I have less then {$200.00} left for groceries, gas, and products for my home for a two week period. I am asking for anyone that can to understand and to help with any type of assistance or forgiveness. We are out here trying to live right and to do whatever it takes to be great people to our society and we are loosing the fight against our country.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX First dispute was sent to Equifax about inaccurate information being reported on my account. They responded but with just an automated response and still the information is inaccurately being reported on my account even after my follow up on XX/XX/XXXX and again XX/XX/XXXX XXXX XXXX XXXX Account Number : Date of first delinquency was updated to XX/XX/XXXX but your verification does not show account history with XX/XX/XXXX in fact your report says it has 6 month received but only showing 4 months with XX/XX/XXXX showing 30 days. This account needs to be removed for incomplete and inaccurate reporting. 

XXXX High balance amount was changed from {$420.00} to {$460.00} and not reporting a Charge off amount. How would the High balance now be {$460.00} and not even reporting a charge off amount. Also you have the date of 1st delinquency as XX/XX/XXXX but your payment history only shows XX/XX/XXXX 30 - XX/XX/XXXX 60 - XX/XX/XXXX 90 - XX/XX/XXXX and XX/XX/XXXX 120 days XX/XX/XXXX XXXX and XX/XX/XXXX 150 days. So how do you even get a date of 1st delinquency of XX/XX/XXXX. This account is obviously inaccurate even after your verification and I ask you to please remove the inaccurate account immediately. 

XXXX This account is showing a charge of {$11000.00} with a balance owed of {$11000.00}. How can these amounts be different and in your verification you sent the date of last payment of XX/XX/XXXX shows actual payment of {$0.00} which is also incorrect. This account is incomplete and inaccurate and needs to be removed immediately XXXX This account shows a date of first delinquency of XX/XX/XXXX but also reporting charged off on XX/XX/XXXX and the account history you sent shows it being charged off on XX/XX/XXXX which does not make any sense. This account is clearly inaccurate and needs to be removed immediately. 

XXXX XXXX high balance XXXX This account is unverifiable, you sent a response with account history showing month received 59 and I only see 24 and it starts on XX/XX/XXXX as a charge off. How can I verify this account without seeing the complete history. You show a last payment of XX/XX/XXXX with an actual payment of {$0.00}. Please delete this account and it is incomplete and unverifiable. 

XXXX XXXX High balance XXXX This account is unverifiable, you sent a response with account history showing month received 73 and I only see 24 and it starts on XX/XX/XXXX as a charge off. How can I verify this account without seeing the complete history. You show a last payment of XX/XX/XXXX with an actual payment of {$0.00}. Please delete this account and it is incomplete and unverifiable. 

The automated responses are obviously not correcting the account and have not been properly reviewed
Complaint sub-issue: Account status incorrect

Allowing reporting of a collection account from XXXX XXXX in violation of the FCRA that requires a time limit of XXXX for a negative account reporting as well as the accuracy of the information of the account being reported