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

In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights. 

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 XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C 1681 Section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 602 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 have not opened a credit card in over a decade. XXXX keeps reporting false information to the credit bureau saying I have an account in collections. This is not my account and I need this removed immediately
Complaint sub-issue: Having problems with customer service

I submitted all documentation proving I am XXXX veteran and the loan servicer NELNET refuses to accept documentation from the VA claiming the information is not valid and demanding more documentation I send them the whole package and still have the nerve to tell me they wont process my discharge because of that.
Complaint sub-issue: Account status incorrect

Documents were supplied to Equifax on XXXX as part of a dispute. They were not supplied to the merchant. The dispute came back without an error being corrected. When I requested a written correspondence with the outcome of the dispute, I was told by multiple individuals that they do not send physical correspondence in response to a dispute. 

This is specifically in regards to complaint XXXX
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXXXXXX Balance : {$44000.00} Medical XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with statement of dispute

I have disputed an incorrect collection that had been submitted against me from XXXX XXXX for 6 months now. I had disputed it as soon as it appeared on my credit report which I was alerted by XXXX. I called XXXX and submitted a dispute against this collection as well as the other XXXX XXXX and Equifax. I had submitted various disputes against that collection with XXXX and Equifax and both came with results that the collection belonged to me. I was not challenging the fact whether or not it belonged to me I was challenging the fact that it was a Medical bill that had gone unpaid by XXXX. I explained to all XXXX bureaus that this bill pertained to a No-Fault accident that I was involved in. I was the passenger of the vehicle that was struck from behind. The vehicle I was in was insured with XXXX and the vehicle that struck us was insured with XXXX. My motor vehicle accident took place on the afternoon of XXXX XXXX, 2014. I had made my attorney aware of the bills and submitted it to them. I also made them aware that XXXX collection was contacting me and threatening that if I didnt pay I would be sent to collection. The Representative XXXX who works with XXXX collection was really rude and when I tried explaining my situation she hung up on me. My credit report shows no late payments, my credit history is mint and everything has always paid on time. This is what I have on my side and I explained to the credit agencies that if I were responsible for this bill I would have paid the {$200.00}. But I am not. This collection has stopped me from purchasing a home and has been damaging to me and my credit history. I have tried many times to contact the credit bureaus and with no resolution. XXXX has been the only one who removed and deleted this collection off my report. My attorney has also submitted a letter notifying the collection company to hold off collection due to the fact the case is still open and pending settlement. And they continue to notify no payment/ or delinquent on my credit report. My case is still in litigation and my attorney who is representing me is seeking to schedule an examination under oath so we can finally close this case.
Complaint sub-issue: Problem during payment process

Hi, My name is XXXX XXXX on my Macys/DSNB account that was opened XX/XX/XXXX. There is a late payment for XX/XX/XXXX that I for sure know I paid. I complained to Macys on several occasions leading up to the payment due date that their processor was having issues with my bank and that it wouldn't accept my payment/ it wasn't going through. There was no bill sent to me or no notification up to the payment date however if you check my credit is is flawless. From when I had this account opened in XXXX up to XXXX there was never a late payment or missed payment except this 1 which is on Macys fault. I am trying to go for a mortgage loan and this is severly hurting my credit.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft. I promptly notified all 3 bureaus, all the creditors and sent them my ftc identity theft affidavit as well as police report and supporting evidence. 
XXXX  and XXXX fixed my report by blocking the fraudulent information. Equifax REFUSES to fix my credit report by blocking fraudulent accounts opened on identity theft. They told me i can pay them for a service to fix my credit. I am not paying them to make them follow the fcra. I have sent them it in certified mail, email and fax. They wont fix it and keep saying " they investigated and the account belongs to me '' which is extremely funny because when the creditors investigated, they deemed it fraud. I will be attaching the proof the equifax FALSELY claims it does investigations, how its a gross abuse of power and severe negligence under the fcra. 
I spent 22 hours fighting with them to get nowhere. The other 2 bureaus fixed it within 1 hour.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # 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: Attempted to collect wrong amount

My current credit report has a collection item from IC Systems XXXX XXXX XXXX XXXX XXXX MN XXXX Account XXXX Original creditor XXXX XXXX this account has been on my credit report as far back as a copy I have from XX/XX/XXXX. The date listed is XX/XX/XXXX as collection date. I disputed this item and won, this item was removed However it keeps reappearing on all XXXX credit reports. I would like to have this item removed permanently. I am trying to repair my credit is there is no need for this company to keep adding a false item to my credit report.
Complaint sub-issue: Information belongs to someone else

not mine : FCRA violations : see attachments for proof : see attachments if you guys really know how to read credit youll see all the mistakes only f XXXX wouldnt see what the violations are!!!!!!!! 



XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The  individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Complaint sub-issue: Information belongs to someone else

Im a victim of identify theft, two accounts ( XXXX XXXX and XXXX XXXX ) were opened and my name without my knowledge or consent. I sent multiple disputes along with a FTC report and a copy of my identification card. These two accounts must be removed from my credit report ASAP.
Complaint sub-issue: Account status incorrect

I have sent letters in XXXX and XXXX regarding my disputes and now I have sent certified letters to each bureau ( Equifax, XXXX  and XXXX ) on XX/XX/2020 with the tracking numbers of XXXX, XXXX and XXXX requesting a reply and complaint. I also sent letters disputing my matter to Equifax on XX/XX/2020 and XX/XX/2020 and haven't heard anything back.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, 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: Public record information inaccurate

On XX/XX/2020 2 certified letters were mailed to LexisNexis asking them to verify the information which is located in my file they maintain under my consumer report. I received a letter dated XX/XX/2020 stating that the information they verified was correct. However I mailed a letter to the Office of XXXX XXXX county clerks office of XXXX county asking them if they verify tax liens with consumer or credit reporting agencies and the letter states no they do not report, validate, or confirm tax lien fillings or records to the credit bureaus. Yet and still LexisNexis continues to report the tax lien in the consumer report listed under my consumer number. I have provided copy of the letter in which was sent to me from the County clerks office, the same letter which was mailed to Lexis Nexis.
Complaint sub-issue: Information belongs to someone else

What are the Penalties for Violations of HIPAA Rules? The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category,  per calendar year. OCR can issue fines of up to {$1.00} XXXX per violation category, per year credit sys 20 accounts XXXX XXXX XXXX $ XXXX XXXX $ iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act
Complaint sub-issue: Contacted employer after asked not to

Immediately after my XXXX XXXX bankruptcy was dismissed in XXXX 2016, I began receiving phone calls from ECMC about a debt. I had no knowledge of the type of debt until I googled the company and read the reviews. Later that day, I was contacted by a rep from ECMC who proceeded to explain the nature of the debt. We went over some basic information and I realized it was for my student loan which the company says I am in default because of the bankruptcy dismissal. On XXXX XXXX, I gave the rep my communication preferences which included my home number and the immediate removal of the temporary work number that I did not give them ... or give them permission in which to call me. Today alone, I have received 3-5 robo calls from them as transfers to my employer. The calls began in late XXXX and have been continuous since. The live person I spoke with today, threatened me with wage garnishment on my employer line, and said she received no communication to remove the employer number so they have continued to robo call the number.
Complaint sub-issue: Account status incorrect

Prior CFBP and XXXX mortgage situation complaints from XXXX forward for my previously owned address : XXXXXXXX XXXX XXXX  XXXX, SC XXXX bear on this situation. I have had an ID fraud Equifax information breach and an inaccurate loan for XXXX came back on my report as an active mortgage loan for the above address. This loan is also inaccurately reflecting on Experian. My home at the above address was removed from XXXX XXXX XXXX ( bank dropped the house ) and XXXX attempted and illegal active service VA loan to restore the house. I did not accept or pay on this loan to the house. New loans were sought and could not be acquired for SS # ID fraud going on at the time. XXXX XXXX XXXX sold the property to new ownership and the new owners evicted me from the property in XXXX. See the attached documentation. This loan is not viable and a fraud attempt to regain a mortgage I do not own.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are three hard inquiries I dont recognize on my credit report through XXXX. 
XX/XX/2019 XXXX XXXX XX/XX/2019 Flagship Acce XX/XX/2019 XXXX XXXX XXXX XXXX  has not been helpful and refuse to remove the inquiry even though I reported that it was fraud because it wasnt me. I contacted the creditors and they have given me the runaround and referred me back to XXXX. I just want these fraud inquiries off my credit report.
Complaint sub-issue: Account status incorrect

Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.
Complaint sub-issue: Account status incorrect

This isXXXX  XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The negative accounts are constantly reporting on my credit report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$240.00}
Complaint sub-issue: Reinserted previously deleted info

XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX was part of a XX/XX/2012 case against XXXX that found systemic auto loan discrimination. The case XXXX v. XXXX found that XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant 20 % interest rate. XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX is reporting an account that I do not recognize. The account is a medical collection - I did not receive these services. I've asked for documentation verifying the accuracy of this debt. I have not received any documentation verifying that this is my debt. 

I AM NOT A CREDIT REPAIR COMPANY
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX and XXXX XXXX XXXX was taken off two years ago now put back on without notifying me the law states they must send notice XXXX XXXX  c XXXX FTC commission sent the report to them 2 years ago medical commercial audit was part of the FTC 2 years ago also
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have contacted PNC regarding pre-payment for warranties for both my homes for three years. PNC requested that I provide them in writing proof that I have been defrauded which I provided. The information provided to PNC are receipts for payments I made out of pocket for services that are supposed to be covered by my warranties. Proof from the XXXX XXXX XXXX that the warranty company XXXX XXXX XXXX has defrauded their customers and are not covering services as they are contracted and having customers pay out of pocket and never reimbursing them as stated. I provided proof that XXXX XXXX XXXX has not reimbursed me for me paying in total for services that were supposed to be covered by my warranty. I provided PNC the correspondence with XXXX XXXX XXXX showing that they still have not refunded me the money in the timeframe they have provided and they are being investigated for defrauding their customers. However, PNC still has not reversed payments that were made both in advance and that were supposed to be in affect and XXXX XXXX XXXX has not honored. XXXX XXXX XXXX is also being investigated by the Attorney General 's office for defrauding its customers. I have attached just a few of the payments that I have paid out of pocket and never been reimbursed.
Complaint sub-issue: Account status

I recently initiated a dispute with Equifax, at this time I have not received a final response. XXXX aka XXXX has placed a collection on my account with all 3 of the credit bureaus for an account that was paid in full in XXXX. The original account was with XXXX, and I paid XXXX the balance of {$100.00} in XXXX XXXX must have purchased the collection after I had paid it off. This collection has not been on my credit report. I have a report from XX/XX/XXXX and XX/XX/XXXX, and this account from XXXX, is not on these reports. I also have had service with XX/XX/XXXX since XXXX, under the same social security number. If I had an open collection, XXXX would have denied me service. This account was paid in full in XXXX. I believe that XXXX has performed an inquiry on my credit report, and sees that I am shopping for mortgages. I believe that this account has been posted as an attempt by them to make money on an account that has been paid for years.
Complaint sub-issue: Account information incorrect

I had a lease for a XXXX XXXX XXXX with XXXX XXXX - account # XXXX. 

I recently checked my credit report and there was a 90 day late on my credit report for this account. 

I was NEVER late on my payments and turned this in without issues. 

This 90 day late is severely impacting my credit score. There is no date for when they claim the late payment was. This is incorrect information and I a requesting for it to be cleared.
Complaint sub-issue: Information belongs to someone else

hi i have been a victim of identity theft i have done everything on my end to provide documentation to Equifax but they keep giving me a hard time nobody seems to know what they are doing. XXXX  and XXXX   have been great in helping me get this matter resolved. I have filed an FTC report and police report
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Complaint sub-issue: Debt was result of identity theft

Received a letter from a collection company stating I owe the a sum of {$2500.00}. According to the letter it is from an XXXX account I never opened.
Complaint sub-issue: Was not notified of investigation status or results

This is an ongoing investigation by cfpb complaint # XXXX regarding Equifax. 
I just checked my Equifax Credit Report today on XX/XX/XXXX and found out Equifax has recently added additional Fraudulent information into the account XXXX that is currently being investigated by Consumer Financial Protection Bureau. 

In addition to what I already reported. Equifax recently put a New Fraudulent Last payment date of XX/XX/XXXX. Fraud Also a Fraudulent Date reported of XX/XX/XXXX is still there Original Equifax Report has a date of date reported as XX/XX/XXXX. 

Both Original Equifax Report and Current report attached
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried to submit disputes with Equifax via Phone, Fax, and postal mail for a XXXX  XXXX XXXX account which is being reported on my profile that is not mine. I called Equifax again on XX/XX/2023 at XXXX XXXX EST. I spoke with a representative named XXXX for XXXX mins on a recorded line to resolve the ongoing issue. XXXX assured me that the account would be deleted and suppressed ( Confirmation # XXXX ) as he went over the documentation I faxed over to verify the account did not belong to me. XXXX placed the call on hold for XXXX mins then returned stating he could no longer hear me. I was able to hear him and my connection was clear. When I called back to speak to another representative the Equifax automated system suddenly was no longer able to verify me with the same information which I used to speak to the previous representative. I am also now no longer able to file disputes online for any account as my access is blocked. The fraudulent accounts and inaccurate information on my Equifax report are due solely to being the victim of their XXXX data breach. Equifax has tried to send me a settlement of {$44.00}, I would prefer if Equifax would properly update my profile. Equifax 's reporting practices go against the FCRA guidelines as the other XXXX credit bureaus do not report any of these inaccuracies. I have provided Equifax with FTC reports, Police Reports, and valid documentation from creditors proving what they are reporting is incorrect, yet Equifax fails to update my profile. I would like all inaccurate information to be deleted and suppressed.
Complaint sub-issue: Information belongs to someone else

I just checked my credit report and it shows multiple hard inquiries that i did not authorize and i am asking for it to be removed from my report.
Complaint sub-issue: Account status incorrect

Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful.