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

A Credit Reporting Agency ( CRA ) sent attached letter reflecting the statement " Your written authorization may not be required to constitute permissible purpose. '' Per Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] of the FCRA reflects : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Are CRA 's relying upon # ( 3 ) for the verbal permissible purpose? If so, should the person be listed on inquiries as the one responsible of pulling credit? If not, what part of the FCRA Section 604 is the reason for the statement " Your written authorization may not be
required to constitute permissible purpose ''? Does the FCRA then allow for that person to share with others?

Are verbal permissible purposes to a person wise in this time, 2020, of rampant identity theft and fraud?
Complaint sub-issue: Account information incorrect

XXXX XXXX reported wrong information to Equifax credit bureau. After more than year they still only respond that they have reported the account correctly even when I have sent paper information on the contrary. I am sending once again an inquire for them to correct this issue which is damaging my credit score extensively and I've been denied for a refinancing of this loan due to the wrong reporting. CFPB needs to intervene on this issue since this issue is damaging my prospects and my business. I have only asked them to correct their wrong information with paper to show the truth. They still report the wrong information to Equifax and say they are doing everything correct as if just a letter without a signature with an actual employee. In this case they say they act legally without anybody signing and being responsable for the response.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax XXXXata Breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I called Equifax on date XX/XX/XXXX to seek more information about unauthorized inquiries on my credit report and the customer service department did not help remove the negative inquiries that are reporting on my credit report. 
UNAUTHORIZED INQUIRIES LISTED BELOW EQUIFAX CREDIT BUREAU XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Equifax XXXX  XXXX XXXX XXXX Equifax XXXX  XXXX XXXX
Complaint sub-issue: Account status incorrect

My XXXX  credit report shows my auto loan as closed and transferred, this is incorrect. I disputed the matter with XXXX and have been informed that Ameris bank has updated my account to show as closed/ transferred or sold. I have been making my payments on time and would like Ameris bank to correct this matter by reporting accurate information about my auto loan to XXXX. XXXX credit dispute number is XXXX, and I received the results of my dispute today XX/XX/2021, which still shows inaccurate information. My auto loan originated with XXXX bank which they company named switched to Ameris bank. The old account that was with XXXX was changed to the new account number XXXX with Ameris bank. My auto loan with Ameris bank is opened, current and paid as agreed, I would like Ameris bank to correct my credit file with XXXX  to show as open, the original balance, current balance, how much is monthly payment and account status as pays as agreed.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL XXXX VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a XXXX XXXX 30 day late via Equifax 's dispute process and submitted a bank statement that shows 2 months of debit payments from my savings account to my XXXX " loan '' account ( XXXX XXXX and XXXX XXXX ). Equifax did not consider this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. Equifax continues to show an erroneous 30-day late payment for XXXX XXXX.
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I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XXXX ; I had one credit product, a XXXX card ( " loan '' ) displayed on my Equifax credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XXXX, and just recently ( XXXX ), XXXX XXXX XXXX XXXX ( " XXXX '' ) bought XXXX XXXX XXXX ; However, Equifax STILL shows the XXXX account as XXXX XXXX ( EQ never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XXXX, XXXX and XXXX XXXX. 'My accounts ' page included my savings account and I would pay my XXXX  by simply transferring money from the savings account to the XXXX account ( " loan '' ) : I provided a bank statement to Equifax showing this activity for XXXX XXXX AND XXXX XXXX, this PROVES that my payment was made and was not 30 days late.
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Furthermore, when I click on the " Historical Account Information '' link I see that XXXX  has supplied Equifax with incomplete, erroneous, and contradictory information, yet Equifax continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says "XX/XX/XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XXXX XXXX thru XXXX XXXX. The account was closed XXXX XXXX XXXX, yet Equifax is reporting that it was closed in XXXX XXXX.
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The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.
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Equifax is the ONLY credit reporting agency showing this account as 30 days late ( XXXX XXXX ), XXXX and XXXX report this account accurately as " Pays as Agreed/Never Late. ''
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXXXXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXXXXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/2017.
Complaint sub-issue: Reporting company used your report improperly

In the accordance with the fair credit reporting act XXXX  account # XXXX, has violated rights. 
15 U.s.c 1681 section 602a 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. XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Complaint sub-issue: Account terms

Equifax continues to not reflect my XXXX mortgage with a balance, a payment and any payments made.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent in Equifax. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX ) - Account Numbers : 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 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 ) ( a ) 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: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Complaint sub-issue: Information belongs to someone else

EQUIFAX wrongfully shows the negative account,US DEPT OF EDUCATION/XXXX account #XXXX on my credit bureau.Yesterday equifax "verified" the account as minefor the umpteenth time.The account was never mine.I did not apply for this loan.I did not receive any proceeds from this loan.I have never received any proceeds nor were any educational facilities paid for my benefit.IT IS NOT MINE!IT IS AN ERROR OF THE DEPT OF EDUCATION!I have received negative credit reporting for years and would and could sue Equifax but I have to get in line and I think Equifax will be Bankrupt soon.I have attached  copies of my CA drivers license and social security card.I have attached "the police report of Id theft"an FTC REPORT.IN XXXX...EQUIFAX'S CFPB RESPONSE WAS CONTRARY TO THE FCRA.THEY SHOULD HAVE SUPPRESSED THE INFORMATION UPON RECEIPT FROM THE CFPB.EQUIFAX HAS FOREIGN EMPLOYEES THAT HAVE A DISREGARD FOR US LAW.AS OF THIS MOMENT,EQUIFAX HAS REMOVED 4 OF THE 5 SCHOOL LOANS MENTIONED IN THE FTC REPORT.EXPERIAN AND TRANSUNION HAVE REMOVED ALL 5.THIS DEPT OF EDUCATION LOAN SHOULD HAVE ALREADY BEEN SUPPRESSED BY EQUIFAX AND EQUIFAX WAS NOT REQUIRED TO CONTACT THE DEPT OF ED,BUT FOLLOW THE SCRIPT OF FCRA PROCEDURE AS WRITTEN BU THE US CONGRESS.
Complaint sub-issue: Threatened to sue you for very old debt

I was sued by Hunt & Henriques on XX/XX/2019 for {$2400.00}. They have falsely reported to the court that I made payments on a XXXX XXXX Credit card within 3 years before XX/XX/2019. I never received any proof that this debt is even valid. I was told by my lawyer that the debt hasn't had any payments made on in it in over 4 years which in California, the debt is considered 'Time Barred ' and over the Statue of Limitations to collect on. I was sued anyways despite the debt collectors knowledge of this. XXXX XXXX is the name of the attorney representing Hunt & Henriques. She has sent me very minimal information on the court case with zero proof that the case is within the Statue of  Limitations. She is just hoping to get a default judgement against me.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Information belongs to someone else

This notice is to inform you that you unlawfully reported fraudulent inquiries that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/2022 XXXX XXXX XX/XX/2022XX/XX/XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports 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. 
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I demand all the above Fraudulent accounts & Inquiries DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Thank you, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX in amount of {$1200.00} XXXX has violated my rights and needs to be deleted from my credit report. XXXX XXXX5 U.S.C. 1681 section 602 A section XXXX : it also states a consumer reporting agency can not furnish an account without my consent.
Complaint sub-issue: Account information incorrect

I settled this debt with XXXXXXXX XXXX XXXX account XXXX. Please remove this from my account as it is not in collections and it was settled. Please see attached documents.
Complaint sub-issue: Problem with fraud alerts

On XXXX XXXX, 2015 I received a notice from EXQUIFAX stating the following : " As you requested, we successfully placed an initial fraud alert on your EQUIFAX credit line. " I HAVE NEVER requested EQUIFAX or any other bureau to place any such fraud alert on my report ( s ). By what right have they do even allege such a thing without my requesting it to be done?
Complaint sub-issue: Account information incorrect

I had an account with XXXX XXXX but closed the account and XXXX XXXX sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named XXXX XXXX XXXX.but the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.
Complaint sub-issue: Account status incorrect

My direct student loan accounts were in a defaulted status at the beginning of the year and my XX/XX/XXXX income tax refund was intercepted on XX/XX/XXXX to pay off the defaulted student loans. However, the accounts are still reflecting as seriously past due on each of my credit reports and the credit bureaus have not been willing to correct this information.My dispute letters were sent out on XX/XX/XXXX and no updates reflecting the account as current have been made
Complaint sub-issue: Reporting company used your report improperly

Equifax has been reporting these student loans that I have been. Demanding them to remove. They have already violated millions of consumers rights and dishonored the FCRA. They did not exercise their grave responsibility, they were unfair and they were partial and did not respect my right to privacy. Congressional findings states that i have a right to privacy and i am demnding that it be respected. According to 15 usc 1681b ( a ) ( 2 ) permissable purpose, please show me where I have given written instructions for you to furnish or create this report. Please show me my signature and certifications from the furnishers. I never consented this report in the first place. Remove these accounts that attached immediately.
Complaint sub-issue: Card opened as result of identity theft or fraud

I reported my credit cards as stolen. I called citi bank as soon as I was aware of the theft. Cards are in my office desk drawer and the office was closed due to Covid so I didn't know they were gone as quick as I would if the office was open. At my call they told me they would send me the paperwork and a new card. This never happened. I called them several weeks later because I was getting calls from furniture companies where someone had used the card in my name to order. I called citi again to tell them the card was still active and not to process it. I was informed they could not speak to me because I didn't have a code. I tried explaining 4 times that someone had stolen my cards, I had filed a police report for all the missing cards, not just there's. They not only mailed the thieves a new card, but the dispute paperwork. They refuse to talk to me and continue to allow someone else to run up bills I am sure they have no intention of paying till they max out the cards. Because I don't know the code I can't cancel the cards.
Complaint sub-issue: Reporting company used your report improperly

Good evening, I have a collection on my credit report from a collection agency, AFNI, for a bill from XXXX XXXX XXXX. AFNI is not a licensed collection agency in Florida. Can you assist?
Complaint sub-issue: Account information incorrect

Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$150.00} from :   XXXX   XXXX   XXXX   .,  which was opened on :  XXXX   XXXX ,  2013 .   I am again disputing that I do not owe this debt.   The  CRA ( Equifax ) co ntinues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me.   Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report.   This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution.     Thank you,  XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

creditor : XXXX XXXX XXXX XXXX Balance:XXXX account : XXXX creditor : XXXX XXXX XXXX XXXX XXXX   Balance:XXXX ACCOUNT : XXXX creditor : XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX XXXX Balance:XXXX   account:XXXX THESE ARE MY SONS ACCOUNTS AND THEY PUT THEM ON MY CREDIT! PLEASE REMOVE THESE ITEMS!
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX