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

I was looking at my credit report today XX/XX/2020 because I need to rent an apartment in the next few months and I noticed that there is an account named XXXX XXXX XXXX XXXX on my report that is not mine ; there are also several inquiries that I never authorized. I don't know who these inquiries and account belong to but I did not give anyone permission to open this account or make these inquiries on my behalf using my personal information such as my name, social security number, birthday etc. I am not affiliated with any of the companies I listed on this report nor did I get any type of benefit as a result of these items reporting on my credit. I did not make any payments towards this account nor am I responsible for it in any way. I have filed a police report regarding all these unauthorized items.
Complaint sub-issue: Reporting company used your report improperly

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

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : Account : # XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX XXXX 120 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 60 Days Late Reported on XX/XX/XXXX XXXX 90 Days Late Reported on XX/XX/XXXX Account # XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$35000.00}
Complaint sub-issue: Investigation took more than 30 days

I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX, XXXX, and XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681 : 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. Also according to 15 USC 6802 : No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Information belongs to someone else

I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.
Complaint sub-issue: Debt was result of identity theft

My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Complaint sub-issue: Reporting company used your report improperly

I have asked for unverified late payments to be removed from student loan accounts. You can not report a late payment of 90 days when the month before it was reported ok. 
5 Dept of EdXXXX Accounts , late payments being reported that are inaccurate and therefore unverified. 

XXXX, XXXX, Equifax, and XXXX are governed by XXXX XXXX XXXX and they violated my rights numerous times. 
There is no law stating that any transactions need to be reported.

According to 15 USC 1681 section 602 A I have a right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written consent and instruction. I never gave consent.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Information is not mine

I have called and sent information regarding inquiries on my credit report and they refuse to remove the inquiries that are not mine on my report. I am a victim of identity theft and its stated on my report. I was told that I have to get a letter from the company stating that I did n't apply for credit, I am getting the run around from Equifax and the actual credit company. I should only have XXXX inquiries on my credit report.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX, and I am the author of this complaint. 

No one is acting on my behslf, and as such - please do not dismiss this complaint in this manner. 

There is a prior complaint, and communications that have been sent to Equifax, and then with no response. 

For this request, and as I allowed - I request a new = printed copy of my consumer report once the investigation is completed, My address, is on my drivers liscence ( attached ). 

In equifaxes system, they apparently store effective dated data, which simply means it sorts data by the effective date - a file, a change date etc. 

In Equifax 's system - the following is occuring. 

1. Effective Date exists for Addresses 2. Source of Data is not visible to the consumer 3. XXXX XXXX XXXX XXXX, XXXX, NJ XXXX is eff dated XX/XX/2021 4. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, is eff dated XX/XX/2021. 

In a normal system/report - CURRENT, means the most current information is flagged as such.

This is not occurring, and is then producing inaccurate data to me, any to anyone who has access to this report. 

Instead- Equifax is displaying a historical ( and then still inaccurate ) address in my records. 

I haven't live there in almost 5 years. 

This was changed- previously to the correct address, and then reverted back to the inaccurate value. 

In the screen shots- attached- you can see the changes and then the effective dates in the change itself.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX  account # 's XXXX, account number XXXX, account # XXXX, account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

n accordance with Fair Credit Reporting Act, XXXX XXXX account # 's XXXX, XXXX, XXXXXXXX XXXX XXXX  account # 's XXXX, XXXX XXXX account XXXX XXXX, XXXX. 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: No notice of investigation status/result

I disputed information on my credit report that was out of date and inaccurate. Bankruptcy and a student loan. After speaking with the Student loan department they told that the account was closed and taking over by another company which i knew already because i had sent the form in to Equifax dispute department to remove the old account of the student loan. Some guy got on the phone and read of some account number that didnt belong to me and refused to delete the items from my credit report. The bk is 7 yrs old and was filed under a lawyer who banned from practice and the put the filing void status. They where very unprofessional and did not follow the law of dispute. I specifically asked them to tsend me proof of the results of my disputes and they felled to do and does not want to delete inaccurate information on my credit report. This matter has put alot of stress on my and as im trying to finance a home. And to have a credit bureau of such handling your credit file is heart breaking. The creditors have asked Equifax to remove the items and they will not do it. For the XXXX. I need some reinforcement to make them do their job.
Complaint sub-issue: Investigation took more than 30 days

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

ERC reported that I owe this XXXX and they put it in collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Complaint sub-issue: Old information reappears or never goes away

Thank you CFPB for assisting me in resolving this matter. To again summarize there is an account showing on my personal credit report from XXXX/XXXX for {$1500.00}. The unverified account from XXXX/XXXX showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt- which illegal and outside the statue of limitations to collect on. I had previously disputed this account. I have never done business with XXXX/XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX/XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX/XXXXCease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Other problem

Response information contained in now closed complaint case # XXXX is incorrect and misleading as to what actually occurred. As identified in the Citi response, the e-mail address is different, thus NEVER received ANY notification until letter mailed weeks later. I have never had an alternative e-mail address and confirmed that in last 20 years, have never received correspondence, with the exception of complaint response, from Citi. Citi also notes that an additional payment was made on XX/XX/XXXX. A consumer can NOT be held responsible for the programed inability of banking software system to void ( or even flag ) the incorrect transaction immediately after submitting and immediately contacting customer service. The 3 banks accounts were NOT deleted online, but instead the single default account by a Citi customer service representative. The payment was NOT late and processed prior to XX/XX/XXXX account closure date. Again, the inability of Citi software system can NOT be the responsibility of the consumer. Suggest formal investigation be opened into Citi 's predatory practices experienced in this complaint.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Debt is not mine

This complaint concerns a credit reporting agency LexisNexis case # XXXX I requested my credit file from them over 8 months ago and have not received my credit report from them to this day XXXX LexisNexis sent me a letter stating they could not identify me as being who I am. and asked me to send them my identification and address in which, I did send them my drivers license with the correct info and my correct address. That was 2 months ago and still have not received my consumer credit file from them. I would like the CFPB to do what needs to be done to shut this agency down or take further action against this consumer credit reporting agency for the consumers. Thank you for your help I will wait to hear from your office concerning this matter. XXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

I filed my REPAYE application in early XX/XX/XXXXand myfedloan has still not processed it. First they told me there was some type of delay and put me on a forbearance or deferment. Then, they asked for a {$5.00} payment in the beginning of XX/XX/XXXXwhich I made and then failed to put me on the reduced payment plan. Rather they put me on the regular payment plan with a payment I could n't afford. I was assured that the reduced payment was coming soon despite my account and statement showing a very large payment. Very close to the due date of the large payment I reapplied for REPAYE and when I called for the status of my application I was told that my original REPAYE application had now been rejected and that I had to restart the whole process. I thus had to apply for a forbearance which I did n't want to do.
I would sue this company but I do n't think there is a private cause of action for what they did being that it seems it is preempted by the CFR regulations.
Complaint sub-issue: Investigation took more than 30 days

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged Account. The status is reporting late along with showing a monthly payment on a CLOSED account. I find that strange since I don't recall being late. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well different open/close dates. Doesn't this go against the FCRA Laws?
Complaint sub-issue: Reporting company used your report improperly

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX This company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide any written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please delete the above late payments from my consumer report, because this agency is in violation of 15 USC 1681. 


Best regards, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. I would like to find out if I have been affected as there are reports going around that the tool Equifax released to check if we 've been affected has inconsistent results.
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 XXXXXXXX, XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, and 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: Talked to a third party about my debt

Got text from stepdaughter XXXX shared info with her i dont know how they got her number i never filed or used her name for amything my old name XXXX I call number they act strange
Complaint sub-issue: Card opened as result of identity theft or fraud

CBNA is listed on My credit report as having a hard inquiry from applying to a Credit card with them. I Just called their customer service center and they claim they have no record of me applying.
Complaint sub-issue: Called before 8am or after 9pm

Company calls me at XXXX i dont know what it is i have never did business with them
Complaint sub-issue: Debt is not mine

Found a charge off on my credit report from Allied Interstate LLC. Sent a certified letter on XXXX XXXX and it was signed for on XXXX XXXX. In this letter, I I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I receieved no response at all, nor did they mark the account disputed per the latest credit report from experian. I sent a follow up letter even though they had already broken the law on XXXX XXXX and it was signed for on XXXX XXXX with still no response
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. My request for the verification and deletion of unverified and erroneous information has been diligently neglected by Equifax. Despite sending them the last dispute letters dated, XX/XX/XXXX, for the said request, they stated items were verified. I was not provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA, all items that can not be verified must be deleted immediately.

They are still reporting inaccurate and unverifiedinformation on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting inaccurate and unverified information. 

Below are the unverified accounts that remain on my report : XXXX XXXX XXXX XXXX US DEPTARTMENT OF EDU US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT. OF EDUCATIO Below are the unverified inquiries that remain on my report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX XXXX  XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with XXXX  and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.
Complaint sub-issue: Didn't receive advertised or promotional terms

Opened Goodyear Credit Card to save money on tires ( {$75.00} ) and spread payment out for no interest for 6 months. Paid off in 4 months XXXX XX/XX/XXXX ) with no interest. Received bill for late payment of interest only charges and late fee. Called XX/XX/XXXX to resolve and they removed late fee {$29.00} but would not get rid of interest. Paid off {$41.00} in interest as I no longer have any documentation of offer.
Complaint sub-issue: Information belongs to someone else

I am a current victim of identity theft, XXXX, Equifax, and XXXX   continue to report fraudulent activity on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. FTC has been filed in XXXX of 2019, they did not comply within the 5-7 business days according to federal law.