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

I am a natural person.I am a living human being. I demand the accounts listed below be removed. 

Equifax is govern by 15 USC 1681 : And they violated my rights numerous times of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

My Issue is with Equifax Information Services, since XX/XX/XXXX. I have not had access to an Equifax score of any kind. Every lender that has tried to pull my credit has not been able to access an Equifax score of any kind. I called Equifax on XX/XX/XXXX when i was denied for a loan, when a prospective lender said i had no credit history, so i reached out to Equifax and i was told to answer some questions to prove my identity and mail in my Drivers License and Social Security Card. I was told to that in two weeks everything would be fine. Well in early XXXX, i ordered my Equifax Credit Report, when it arrived it showed my 12 accounts ( open and closed accounts ), I was doing this to prepare for refinancing my home. 

In Mid XXXX, i applied to a lender, my XXXX and XXXX   Credit Scores showed, but no Equifax Score, so i reached out again to the XXXX XXXX and i went to the same process, answer some questions send in my Drivers License and Social Security Card and  give us 2 weeks. No Equifax Score. 

In Mid XXXX, i applied same experience, visible XXXX and XXXX Credit Scores, but no Equifax Score, so i reached out again to the XXXX XXXX and i was transferred to the Global Consumer Dept, I went to the same process, answer the identity questions, this time the said FAX in my Drivers License and Social Security Card and call back in 72 hours, No Equifax Score. 

On XX/XX/XXXX, i applied to a Mortgage lender and i had the same experience, my XXXX and XXXX Credit Scores showed, but no Equifax Score, I am attaching the Letter from the Lender.

I need Equifax to stop this process from happening. I have called enough, i have sent in enough documentation. XXXX and XXXX are not giving me this headache.
Complaint sub-issue: Other problem

Citibank just arbitrarily reduced my balance to zero, despite having not even used the one card and never being in default. 

Never missed any payments. I also paid down large amounts on balance over several weeks. 

Had I know you would do that I would never had made those payments. 

Now I'm out of cash. This will also negative impact on my score.
Complaint sub-issue: Information belongs to someone else

i am victim of identity theft and these accounts that i listed is not mine. i listed the items in the attched fromed. i need these items removed asap. i am victim and someone use my info and name. this is is stopping me from moving forward with my life. please remove asap
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/XXXX, notified by Fidelity Visa of fraud activity on account. I was told the account number would be closed and I needed to update any automatic payments to the new account number. 

On XX/XX/XXXX XXXX XXXX XXXX sent a transaction to my Old ( fraud ) Fidelity Visa account number. Fidelity Visa then transmitted my new Fidelity Visa Number XXXX XXXX XXXX XXXX and authorized the transaction. 

On XX/XX/XXXX I contacted Fidelity Visa customer service. They informed me that since I had a prior relationship with XXXX XXXX XXXX and 1 previous transaction with them ( XX/XX/XXXX ) - as a courtesy that are allowed to give out my new account number. They stated that any vendor who had my old number could successfully charge to my new account as long as that said they had a prior relationship with me. 

They then stated that if I could tell them who has my old ( fraud ) number they could close it only to those vendors. But that it cant close to all! 

My thinking is if the account number is closed down that is closed. But that is not the case with Fidelity Visa. 

My question- is it legal for them to release my new Credit Card account number to a vendor?
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2021 over 60 days ago I mailed a letter to this debt collector that showed on my consumer report and this company has VIOLATED ME MULTIPLE times under the FDCPA, no consent to having unauthorized use of my information or social security number is identity theft. I have tried to resolve this matter by mailing in the necessary paperwork but my request are being ignored. This debt collector has violated me under 15 USC 1692g by not validating the alleged debt as the natural consumer ONLY I can validate any debt and several other violations against me and my character. I demand this alleged debt and any of my information that was fraudulently obtained be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Complaint sub-issue: Cashing a check

We deposited our income tax refund check in our PNC bank checking account through the ATM in amount of {$5900.00} on XX/XX/2020. The check was denied and a email was sent as a duplicate check. Nothing was sent to our home address from XXXX, Pennsylvania through the United States Post Office. So right now it is considered as a lost check and nothing is being done with PNC bank about finding our check. All PNC bank is telling us that we should contact the IRS, when the issue of the lost check is on PNC 's banking end. They have the original copy of the check, we never got an original or duplicate back so that it could be re-deposited. In all their making it seem like it is our fault that it has been lost in the mail, we have never received it back in the 1st place.
Complaint sub-issue: Investigation took more than 30 days

fcra violaitons : Error submitting dispute Address XXXX XXXX XXXX XXXX TX XXXX Address identification number XXXX Residence type Single family Geographical code XXXX Details Never lived there Our system is unable to process this item. Please Cancel to Continue and contact us at XXXX XXXX XXXX XXXX so we may better assist you with this item.

You may also submit supporting documentation for your disputes at XXXX. 

Error submitting dispute Address XXXX XXXX XXXX XXXX TX XXXX Address identification number XXXX Residence type Single family Geographical code XXXX Details Never lived there Our system is unable to process this item. Please Cancel to Continue and contact us at XXXX XXXX XXXX XXXX so we may better assist you with this item.

You may also submit supporting documentation for your disputes at XXXX. 

Error submitting dispute Account name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance Not reported Status Paid, Closed. {$250.00} written off. 
Date opened XX/XX/XXXX Details Other reason Additional information sent ftc and cfpb You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute.

You may also submit supporting documentation for your disputes at XXXX. 

Error submitting dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$1400.00} as of XX/XX/XXXX Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XXXX XXXX. 
Date opened XX/XX/XXXX Details Other reason Additional information see cfpb sent several times You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 
You may also submit supporting documentation for your disputes at XXXX. 



Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number Not available Account number XXXX .... 
Recent balance {$440.00} as of XX/XX/XXXX Status Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX Details Other reason Additional information see cfpb
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I mailed a letter requesting to have items investigated then removed from my credit report. The credit reporting companies have not done thier due diligence to reported back within a 30 day period. I have listed all the items that need to be investigated and removed from my account. The law states : If the completeness or accuracy of any item of information contained in [ her ] file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
I did not ask to just perform a reinvestigation of the items they need to be deleted. The position that the credit reporting agency isn't required to go beyond the original source in ascertaining whether the information is accurate has been rejected by the United States Courts of Appeals for the Fifth and Seventh Circuits. It requires consumer reporting agencies " to follow 'reasonable procedures to assure maximum possible accuracy ' of the information '' contained in the credit report. 
They have deliberately skimmed over and not protect the rights of the consumer. All of these Items are well over the 7 year statute.
Complaint sub-issue: Public record information inaccurate

XXXX was notified by me in reference to some inaccurate accounts on my credit report. I have notified XXXX priority mail that they have failed to validate these accounts. I have asked that these accounts be validated and that I receive copies of the information of proof. There is also a public record ( Tax Lien ) that has been paid and IRS has approved for this be removed from my credit report. I faxed  over the form to them that I received from the IRS and to this date they have ignored my request to have this Public Record removed. Accounts also are : XXXX XXXX, XXXX XXXX Acct. # XXXX, XXXX XXXX and XXXX . I would like for XXXX is remove these inaccurate accounts from my credit report because it is affecting my ability to purchace a home for my children.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have mailed in multiple inquiries to XXXX, XXXX and Equifax regarding inaccurate information listed in my credit report and I have not received any corrections to my credit report or any responses from XXXX or XXXX  about my concerns. I sent these inquires in XXXX, a follow up in XX/XX/2021 and I just sent in a third request this month XXXX XXXX XXXX. It has been several months and I haven't heard anything from XXXX  or TransUnion. I'm not really sure what else I can do on my own so I am submitting this final request before I talk to an attorney about my options.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Complaint sub-issue: Funds not received from closed account

I have been speaking to XXXX in XXXX XXXX about receiving a new check XX/XX/XXXX. She said she has a supervisor verify that the check I was mailed, back in early XXXX for closing my account hasn't been cashed. Meaning that US Bank still has my money. ALL I am asking is that I get a new check made out for me.
Complaint sub-issue: Can't temporarily postpone payments

Towards the end of XXXX I was discussing the options I had for deferring my student loan payments from Salle Mae, as I am in the process for re-enrolling in school. I was advised that I can take a XXXX month forbearance until my registration was complete and could then defer my payments as a full time student. I thought everything was set up, however I received a notice that my payment was past due in XXXX. I called to confirm that everything was in place and advised it was not, so I attempted to set up the three month forbearance. I was advised that this is a customer service ability but could only be initiated after I made my payment and they could only do a XXXX month deferment. All I want is to be able to do the XXXX month deferment like I originally wanted and for this company to be reviewed for potential lending violations.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have previously disputed this information with XXXX however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Factor Trust - XX/XX/XXXX Factor Trust - XX/XX/XXXX Factor Trust - XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , CT  XXXX  (  XXXX  )  XXXX   XXXX / XXXX / 16  This inquiry was performe d under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I always make my payments on time.
Complaint sub-issue: Account status incorrect

About 4 months ago I charged some items using my Home Depot credit card for the first time ( approx. {$41.00} ). We paid this amount to our account but apparently a day or 2 past due. We were unaware of this until almost 3 months later when we received a phone call from Home Depot about this matter. We discovered that they had been sending our notices to the wrong address which by now amounted to {$130.00} in late charges. Home Depot conceded it was their mistake and agreed to waive all charges and clear our account but would not contact the credit bureaus to clear our credit reports.
Complaint sub-issue: Information belongs to someone else

THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT REPORT
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX a default on an administratively approved deferment, forgiveness and forebearance scheduled XX/XX/XXXX - XXXX XXXX The default is purposeful. It has caused my FICO score to drop from XXXX in XXXX  year. Today, My FICO score it's XXXX Equifax XXXX XXXX, and Fico XXXX at XXXX. The scores snd recordings of default has drawn suspicions of these inaccuraciesare to ground student who contact XXXX and report professor is not her Account Executive the school assigned to students file. NDSL ( National Database for Student Loans ) credential the XXXX  student as documented as XXXX XXXX was earned. The same professor mismanaged my loans she said the Top graduate named XXXX, on XX/XX/XXXX XXXX  her transcript. She received honors appertaining to her academic excellence and strong leadership should have graduated on XX/XX/XXXX and diploma delivered. The professor unauthorized to manage my student loans said she isn't giving me nothing and called lawyer stating I must cease and desist. It's a FERPA, Title 4, and Title 6. 

XXXX. 
I. XXXX, My career sought as a XXXX XXXX XXXX  and XXXX XXXX XXXX, is negatively impact from scam artists in my school who embezzled student loans, and invaded priacy of wxecutive acvount XXXX XXXX the assign loan officer of students financial aid. The student school records was an open portal to anyone which caused {$14000.00} an unrecognized distribution or an unknown scholarship the svhool did not want to pay. The student did not apply for loans so small. Its hate of me at the school because I called police on a professor who was a financial aid manager and she refused to reimburse the student missing money {$16000.00} and unauthorized money, {$14000.00}. The professor cashed on date XX/XX/XXXX {$14000.00} and paid outside of students scheduled loan distribution this money to another bank account the student didn't setup with school. Additionally, a refund check approved for graduation amount {$16000.00} description direct grad plus loan was compromised and sent back to lender causing student to be placed in default with XXXX XXXX and creditors. The professor apparently paid someone else or placed money in a bank account to use when conventient. 

The students Bank was at the time XXXX who sent student letters from fraud investigators that they had not received the loan deposit on distribution of XXXX on scheduled date XX/XX/XXXX Amount {$16000.00}, nor an unauthorized loan student did not request possibly a scholarship the professor who disliked her did not want to pay dated XX/XX/XXXX.
Complaint sub-issue: Information is not mine

I have been a victim of identity theft and I have been trying to dispute innacurate items on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I seem to keep having a problem with Equifax with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf.

1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) These are not mine
Complaint sub-issue: Information belongs to someone else

These hard inquiries are only on my Equifax credit report. Ive reached out to all these creditors to have this resolved because they are not authorized by me and I was told to reach out the the credit bureau to get this taken car of. When I reached out to Equifax they said that could find paper work Ive mailed to them back in XX/XX/2022 and that I needed to file an report here.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This complaint is not being filed by a XXXX party or a Credit Repair Agency. 

I just reviewed my credit report and there are some Hard Inquiries that I did not recognize or authorize. Please delete these Hard inquiries from my Credit Report. I have already filed an identitytheft report and attached it to this complaint. Here are the hard inquiries XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

the credit bureaus have been directly ignoring my letters and mail and even phone calls for months. I talked to each credit bureau with promises of fixing my issues and still they hane n't done their job.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : DPT EDXXXX Account # XXXX, XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, ( Original Creditor : ) Account # XXXX, ( Original Creditor : ) Account # XXXX is on my account twice. ( XXXX XXXX : ) Account # XXXX, XXXX Account # XXXX, XXXX Account # 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. Code 1681i - Procedure in case of disputed accuracy. ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.