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

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX  XXXX {$240.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was unable to get a refund from a merchant in XXXX XXXX XXXX. I subsquently filed a dispute with citibank to charge back the purchase. As of XX/XX/XXXX the dispute has not been resolved, although I have provided citi with proof that merchant agreed to refund the purchase but hasnt done it.
Complaint sub-issue: Their investigation did not fix an error on your report

There are a few medical collections that my insurance is supposed to pay They are responsible not me I've reached out to all of them but they get rude and demanding. 
I was also involved in the equifax breach!!!! 

XXXX XXXX XXXX XX/XX/1961
Complaint sub-issue: Their investigation did not fix an error on your report

I had ask credit bureau to investigate the amount owed and send me the results never received it telling me was verified not good enough
Complaint sub-issue: Their investigation did not fix an error on your report

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection
Complaint sub-issue: Account information incorrect

Loancare # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : 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
Complaint sub-issue: Investigation took more than 30 days

Accurately I am ask the credit bureaus to report and correct the problem however they have not been able to number one send me a fresh reported the method of verification on how they investigated the accounts these accounts are reporting accuratelyBasicallyThe date of last activity in the amounts don't match my records need these accounts investigated or deleted from my credit report I am asking that you XXXXAs proof that these accounts were not investigated properly thank you.
Complaint sub-issue: No notice of investigation status/result

I have sent Equifax XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ). They have also failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

This company is reporting a collection to my credit report from an account that does not belong to me.
Complaint sub-issue: Was not notified of investigation status or results

This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. These unverified accounts affects my scores badly
Complaint sub-issue: Reporting company used your report improperly

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

LexisNexis, please tell us why this was returned and our request was not processed. 
As a couple, we do most business transactions together. Our names are listed on the proof of address, with individual IDs showing our current address. 
If this is not completed as requested, I will file an FTC and/or CFPB complaint. Why is it necessary for us to use two stamps and two envelopes? 
If there are any questions, you have our individual phone numbers to call rather than DELAY our rightful consumer requests!
Complaint sub-issue: Account status incorrect

I have disputed the late payments on XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Talked to a third-party about your debt

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX.
They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Complaint sub-issue: Investigation took more than 30 days

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged collection XXXX AT XXXX XXXX XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ), you are required to notify me of the reinsertion in writing within 5 business days. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have attached an identity theft report for these apartments as Ive never stayed there before, please remove at once. 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. Doesn't this go against the FCRA Laws?
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, I submitted a credit dispute to Equifax for XXXX XXXX XXXX XXXX XXXX, account number XXXX and received a notice on My Equifax stating the dispute was completed. After trying to access the report online for XXXX days with no success, I decided to contact Equifax by phone on XX/XX/2022. The representative stated the information was verified as accurate by XXXX XXXX XXXX XXXX XXXX. I explained to the representative that the last date of payment was incorrect, and the account is more than XXXX years old. The representative stated that the information can remain on my credit for XXXX years, according to the retention policy and my credit report has been update with the correct information. I explained to the representative this specific account ( XXXX XXXX ) has been removed from my XXXX and my XXXX credit report because it is more than XXXX years old, the date of last payment reflects an earlier date, and I reviewed my credit report the information was not updated. The XXXX XXXX XXXX shows the same as before. The representative only reiterated that same information as before. 

The XXXX XXXX XXXX ( account number XXXX ) information on my Equifax credit report is being inaccurately reported. 

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

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account number 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: Was not notified of investigation status or results

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/2022 Equifax XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX Used XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding unauthorized inquiries on my credit report to this day 10 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 605b it is plainly stated that 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 it has been over 5 days after the date of receipt so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XX/XX/XXXX Card was lost we notified Discover was issued another card, Charges made on card I thought were cleared End of XX/XX/XXXX we relocated cities and received no Paper statements we assumed it was because of move XX/XX/XXXX received statement for XXXX or XXXX XXXX was not shocked there was two Car rental for Auto accidents Paid off card Completely FF to XX/XX/XXXX we receive statement saying Balance was XXXX card that was paid off and dormant E Mail account was being used as collateral for an Fraudulent Pay Pal account that we didn't know at the time we disputed charges herd nothing and again no statements XX/XX/XXXX account was again used to open merchant accounts and charges were maid during that time we cancelled card was issued another again no statements when we received statements balance is now XXXX all charges on previous cards were being transferred to new account receiving interest, Late fees some sort of protection plan we didn't sign for after dispute we were found liable even though our dispute with XXXX XXXX we were found not liable after being a victim of Fraud we continue to be a victim of Discover needless to say with great Hardship to Family Debt was Paid Completely later XX/XX/XXXX we again receive a statement that XXXX was due on an account that we thought was closed
Complaint sub-issue: Card was charged for something you did not purchase with the card

This complaint best seen as a follow-up to complaint with code XXXX. 

A brief overview of the events is as follows : i. A set of transactions I did not recognise were posted to the account in late XX/XX/XXXX. 

ii. My multiple attempts to contact Discover to address the matter were summarily ignored. I will add also that this was deliberate, as stated by Discover in their final response to complaint XXXX. 

iii. In that same letter, dated XX/XX/XXXX, Discover claimed a fraud investigation was ongoing. 

iv. I have not had any formal communication from Discover since this letter. 

Thus, as of today 92 days have passed since the formal acknowledgement of a fraud investigation, with no resolution.
Complaint sub-issue: Account information incorrect

On XX/XX/2021, I was denied a personal loan by my XXXX XXXX, XXXX XXXX XXXX XXXX. The primary reason for the denial was that my reported monthly student loan payment amount to the credit bureaus ( they use Equifax ) was incorrect. I double-checked and verified this information as well. I am on the income-based repayment plan. As such, my last income-based payment plan amount was changed to a XXXX dollar monthly payment plan. Prior this change, my income-based payment plan was {$280.00} a month. This is not the first time XXXX ( or the student loan industry for that matter ), has reported incorrect information on my credit report. Update my credit reports with all three bureaus within the next 10 days. I do not want to be forced to take legal action against XXXX for violations of the Fair Credit Reporting Act
Complaint sub-issue: Debt was result of identity theft

I received communication in XX/XX/2019 that there was a loan outstanding in my name ( XXXX XXXX XXXX ) as well as my wife 's name ( XXXX XXXX XXXX ) from an UPLIFT.COM. My wife and I *never* apply for loans online ; we believe that it's something that needs to always be done in person. Furthermore, I have alerts on our 3 major credit bureaus that due to our excellent credit and perceived high net worth, we tend to be a victim of Identity theft. 

I shared this in a letter back to Uplift and heard back from them today ( almost 2 years later ). They've " transferred '' my loan, they claim, to another fintech/bank. So now my personal information is in two places I don't need it to be, not just one. 

The XXXX have been largely a self-policing community but identity theft, and not taking it seriously enough to stop it in it's tracks, is a violation of the FCRA along with several local laws in my jurisdiction ( Texas ). I seek to have an investigation open on this XXXX company - a startup, who's selling fraudulently obtained data ( like mine ) as underperforming loans in order to generate revenue. It's the sad side of capitalism that needs to be addressed firmly and immediately, especially given what many of our families have been through with COVID-19. This XXXX ( Uplift.com out of XXXX XXXX, California ) have gotten " looser '' with compliance issues, not tighter - when they should be doing the opposite.
Complaint sub-issue: Information belongs to someone else

I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, XXXX & EQUIFAX see attached ;
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Original Creditor : XXXX XXXX ) XXXX Bankruptcy XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax has failed after two disputes to correct inaccurate information concerning XXXX XXXX. This account was paid last year and I have attached the letter from XXXX XXXX stating the account is settled in full. Please correct this inaccurate information.
Complaint sub-issue: Personal information incorrect

IN REGARDS TO EQUIFAX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX THIS ADDRESS DOES NOT AND HAS NOT BELONGED TO ME. I AM IDENTITY THEFT VICTIM AND EQUIFAX HAS NOT MADE THE CORRECTIVE ACTION TO REMOVE THE ADDRESS WHEN I RECEIVED THE UPDATED CREDIT REPORT IT STILL REMAINED. THE ADDRESS IS A FRAUDULENT ADDRESS AND FRAUD WAS COMITTED WITH IT IN MY NAME SO REMOVE IT.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and sometime in XXXX I sent letters to XXXX  and Equifax in regards to an account XXXX  XXXX XXXX. I've paid on time {$110.00} for 48 months till the car loan was paid off. Its showing on my credit report as chapter XXXX wage earner plan. Thats inaccurate. I have the original contract and a copy of all 48 cashed checks but yet they keep sending me back letters that say verified with no proof.
Complaint sub-issue: Personal information incorrect

i got a notice that a Inquiry inquiry came up on my credit report from itc .Im assuming its some type of collection system but they have it where my address is somewhere in Texas and when I disputed it with Equifax they said that it was accurate I have never ever lived in Texas so I want it off my record because that is fraud
Complaint sub-issue: Information belongs to someone else

Im a victim of identity theft theres 3 inquiries on my credit report that doesnt belong to me and for some reason its not being removed the company names are. XXXX, the next one is Equifax MTG and also XXXX XXXX. I have never requested any credit from those companies
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX I made 2 ATM deposits at the US BANK located on XXXX XXXX XXXX in XXXX AZ. 
XXXX for XXXX cash another a check for XXXX. Both were then pending as US bank states that they don't process deposits on the weekends. Both were completed on XX/XX/XXXX. I then attempted to use my debit card for a transaction and it was declined. I contacted us bank by phone and in person and was told that the XXXX dollar check was placed on hold. They are are holding funds without notice after they made then available. Charging fees and causing my account to be overdrawn I have attached a XXXX of the deposit showing completed.