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

Equifax Inc. mishandled my private information ( address, name, SSN ). This private information was made available ( either by grossly negligent incompetence or possibly malice ) by Equifax to parties who wish to use my private information and therefor my identity, fraudulently. Equifax failed to conceal this information from these fraudulent parties, making me a potential victim of identity theft. 
This fact of this mishandling was made public around X/X/2017 and I had to read about it in the news before I was informed personally by Equifax by any type of notification such as letter or e-mail. 

I used Equifax 's services in years past to retrieve free credit reports to ensure my credit was free of fraud. This free service is guaranteed by the US government. Apparently this service is also tied to an arbitration clause. Having an arbitration clause tied to a free service guaranteed by the US Government, and which is only available by 3 different companies is suspect.
Complaint sub-issue: Attempted to collect wrong amount

I was contacted by Mnet Financial ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) initially where they said that I owed their company a debt of {$530.00}. I told the representative of Mnet Financial that I would remit payment to the owners of the debt which is XXXX XXXX XXXX. At that time, I submitted a payment to XXXX. Shortly after, Mnet contacted me again asking for {$530.00}, and when I explained that I made a partial payment to XXXX, I was instructed to stop paying them and to remit payment to Mnet, as XXXX would no longer be accepting payment from me and that the debt was now owned by Mnet. 
I stated that I would not be making any future payments until I was sent an accurate invoice. The representative attempted to argue with me, but eventually agreed to send an updated invoice taking into account the amount I said that I had already remitted to XXXX. When the updated invoice was received, I made another partial payment ( 4 times the minimum monthly payment that Mnet said was required ). Several weeks later, Mnet contacted me stating that they need payment again. I requested an updated invoice which would acknowledge my previous payment. The representative stated, " No. We do n't do that. '' I explained that I would make no further payments without an invoice. The representatives continued to call asking for payment. Each time, I requested an invoice be mailed to me, they refused repeating the same answer, " We said we do n't do that. '' The very last time they called, the representative of Mnet stated that I owed an amount which was {$60.00} over the amount that I knew I owed. I still have the original invoice sent by XXXX, and I have copies of the cashed checked from the bank, so I knew that I did not owe this amount. 
I asked for an invoice again, and the representative refused again. At this point, I ended the call. 
I called Mnet later that day to request proof of their ownership of the debt. I said, " Earlier today, I asked for an invoice. I would like an invoice to be sent to me. '' The response I received was, " And we told you we do n't do that. '' I responded, " Well I contacted an attorney about my rights, and I need to see proof of the ownership of the debt. '' At this point, the representative immediately disconnected the call. 

Weeks later, I received an invoice with a different amount than what the representative was asking for on the phone call. 

Mnet has continually used the tactic of misrepresenting the owner of the debt, and have added on additional fees to the balance even though the debt owner has not expressed in writing that these fees were legitimate charges or even expressed a description of the fees. 

While I was able to identify this, and not agree to simply continue paying them with no documented evidence that my payments, in their entirety, are being remitted to the actual debt owner, I have reason to believe that this company is taking advantage of other individuals who may not question the additional fees and charges, or even the validity of the debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2020 ... EOS CCA a collection agency placed a be [ ad debt that they claim I owe in my credit reports. I never received written notice regarding this debt from this agency, no even a phone call. I am not responsible for this alleged debt. 
I was never given the opportunity to respond to this, they just placed the information without verification on my profile. Pursuant to the Fair Credit Report Act, the Fair Debt Collections Practices Act and the Fair Credit Billing Act I have a legal right as a consumer to be able to dispute a debt once I am notified.
Complaint sub-issue: Information belongs to someone else

The below account is listed on my credit report as a collection and it doesnt belong to me. 

The account info below XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Amount {$1600.00}
Complaint sub-issue: Problem during payment process

This specific account is in fact stated as a charged-off account, you need to tell me the key reason why there is a balance appearing on the credit report whether it is a charge off? The balance is in fact incorrect, take the time to reverse it to XXXX or erase the item certainly. You can also offer documentation to confirm all the charges and credits of this claimed account that brought to the high credit figure you've indicated on my credit report. My request to provide these documents is seen as a proper information petition as documented in my privileges provided within the fair credit billing act.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXX XXXX XXXX Acct # XXXX {$790.00} $ XX/XX/XXXX XXXX XXXX Acct # XXXX {$680.00} $ XX/XX/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 a account without my written instructions
Complaint sub-issue: Debt is not yours

On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation. 

no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.
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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX XXXX {$73.00} XXXX XXXX {$130.00} XXXX  XXXX  XXXX {$100.00} DPT ED/XXXX XXXX {$6000.00} XXXX XXXX {$100.00} DPT ED/XXXX XXXX {$2200.00} XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX {$6000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please note that this is the second request for assistance in reference to inquiries being made and allowed by Equifax that are listed on my report. I am in the middle of trying to obtain a loan and this is causing myself and my family hardship. After filing and calling Equifax more than three times, Equifax has refused to show proof of validity for inquiries that were posted on my report. My initial complaint was filed with CFPB back on XXXX XXXX, 2017 and I 've attached the response back from Equifax stating that the inquiries were factually proven to be mine ; however, again, they have not proven validity and I had a fraud alert placed on all three reports at the beginning of this year. According to the fraud alert clause, I should be notified every time a merchant runs my report, but I was not notified about any of these inquiries. Please review the attached and refile a complaint based upon Equifax 's refusal to show validity.
Complaint sub-issue: Public record information inaccurate

I resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. 
I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted. The apartments filed three judgments against me with the XXXX XXXX Magistrate Court. The leasing manager, XXXX XXXX, drafted and filed a letter with the Court showing that all judgments were satisfied. However, I have attempted to apply for a rental home and apartment and the judgment remains on my public record : XXXX XXXX. XXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. I called the magistrate court and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of XXXX 

XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX. Phone : XXXX. 

Every third party the apartment or property management company for a rental home is denying me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX Magistrate Court, or XXXX XXXX XXXX should resolve this matter. I checked XXXX, Equifax, and XXXX, and the judgment is not listed on it. This must be on a third-party tenant database.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was checking my Credit Report and noticed XXXX XXXX XXXX on my Credit Report. I do not recall at any time applying with this company. I am requesting that this is removed from my Credit Report or if XXXX XXXX believes they had permission please consider this my formal request for a copy of the credit application, which by law they have to maintain and provide.
Complaint sub-issue: Public record information inaccurate

On my Equinfax credit report I have Bankruptcy Chapter XXXX listed. Then the Credit card companies are also still listed as Derogatory/Delinquent information on my Credit Report individually. Can these please be removed. 

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: You told them to stop contacting you, but they keep trying

These are some reports I would like to remove from my report both XXXX  and XXXX. Im a poor hardworking XXXX  and my car got stolen back in XXXX with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX  and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Public record information inaccurate

I was Denied A checking account from XXXX XXXX XXXX on XX/XX/XXXX because I told told by the bank that my social security number that I provided is list as deceased from LexisNexis which is completely false! So I did went down to my local social security office and they have give me a letter to verify that I am not deceased, see enclosed letter. So I call and disputed it with LexisNexis, provided them with a my driver license and social security copies and LexisNexis told me that it was verified it and continue to report me as deceased and I have lost opportunities to obtain credit. Lexisnexis case number XXXX I called LexisNexis on XX/XX/XXXX and was told that the Deceased Notation { XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX } were reported by XXXX, But I called XXXX on XX/XX/XXXX XXXX told that my personal credit file is ok there is no deceased notations on my file or reported by them. XXXX told me to call LexisNexis again because they couldnt assist me. I wish to resolve this discrepancy otherwise I will pursuit Lawsuit! 
Desired Settlement : Correction to a credit report ; Removed Deceased Notation { XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX }
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my Credit Report and noticed a An Account from XXXX XXXX XXXX for {$3500.00} and multiple inquiries on my report I do not recognize
Complaint sub-issue: Credit inquiries on your report that you don't recognize

NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!
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 : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

I called GreenSky and was told my payoff amount was XXXX on XX/XX/XXXX and it would take 24-48hrs for me to receive a payoff letter. When I received the payoff letter they added on an additional late fee and finance charge when I was told that I would have no payments or interest for the 1st 90 days when I called back to try to get this corrected on XX/XX/XXXX I was told I would get a corrected payoff letter and again was quoted XXXX. When I did not receive the letter I called again today XX/XX/XXXX and was advised that the finance charge and late payment they applied the day after was correct and that they would not remove the extra {$150.00} that they added on to my bill the day after they quoted me {$5200.00}. They have refused to work with me and are charging me extra fees every time I call in. They are now saying I owe XXXX. I dont know how to get this resolved without paying them more money. I wish I never took the loan from them and just want to be done with this company.
Complaint sub-issue: Deposits and withdrawals

On today XX/XX/2022 I went to your PNC Branch XXXX XXXX XXXX XXXX XXXX  Pa XXXX. And upon my entrance I was given a mask from the front desk Customer Service Represenative stating that Masks are mandatory at all PNC Banks however the XXXX female customer in front of me did not have a mask on and neither was she told to put one on. Sadly theres been nothing but complaints against this ridiculous neighborhood Bank which had improved but now theyre back to their poor misconduct. And if this continues our XXXX XXXX XXXX will request that they be removed from our community
Complaint sub-issue: Account information incorrect

This company will not update my account for XXXX XXXX the credit report is to supposed to say paid account and have a XXXX balance l.I do n't have a balance with XXXX XXXX I paid account off and the status supposed to reflect the changes
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX 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 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: Debt was result of identity theft

I have a debt collection reporting on my credit that is not mines. I do not recognize this account nor the details being reported. This account appears to be frivolous due to a potential identity theft.
Complaint sub-issue: Information belongs to someone else

The incorrect items were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 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
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter on XXXX XXXX to XXXX. here is my tracking XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

according to law 15 u.s. code 1681a definition : rule of construction The term investigate consumer report '' means a consumer report or port thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.however, such information shall not include specific factual information an a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation?
Complaint sub-issue: Problem accessing account

I opened a CD online with Citi on XX/XX/XXXX for {$5000.00}. When I tried accessing my account online which I created during CD registration/application, it has error. It's now XX/XX/XXXX. I've called Citi customer service at least 5 times on different days and they keep saying different things. I also don't know my account number because they wouldn't mail me a letter containing it until after a month.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Received Citi Cards ( Master Card ) bill for XXXX with purchases made in XXXX XXXX XX/XX/XXXX for $ XXXX not by us. Resolved! XX/XX/XXXX XXXX XXXX & XXXX XXXX TX for {$65.00}, UNRESOLVED!! After several calls to Citi Cards Customer Service XXXX. Phone calls were bounced all over U.S. Finally wife got someone she could not understand because of accent. Their response was I transfer you to someone in U.S. Received letter from Citi ( R ) Cards dated XX/XX/XXXX and received XX/XX/XXXX stating their Investigation was over and we will now be billed for {$65.00}. The following info provided for you. Invoice # XXXX, XX/XX/XXXX Shipped Standard Ground, Waybill # XXXX. Tried tracking on Internet and got no where. Second item at XXXX for same date for {$32.00} Invoice # XXXX, XX/XX/XXXX Standard Ground, Waybill # XXXX. Haven't been billed yet. These look like XXXX games. Citi Cards was sent all required info they requested and authorization not to pay XXXX XXXX and XXXX from us. No XXXX Games were ever received by us as we did not ORDER!