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

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 


Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Complaint sub-issue: Problem with personal statement of dispute

Hello, several times I submitted a complaint about this company. On XX/XX/2022, I submitted XXXX as a dispute about bankruptcies that they supplied to the credit reporting agencies. I disputed those bankruptcies on the grounds of consumer laws ; 15 U.S.C 1681 ( a ) ( 4 ) 15 U.S.C 1681 Section 604 A Section 2 Once LexisNexis came back saying my bankruptcy was accurate and verified, I sent them a letter asking for, 15 U.S.C 1681 a ( e ) They sent me a letter on XXXX XXXX stating that bankruptcy was unverified through the XXXX report and it will be updated and deleted from my file. I called again on XXXX XXXX for verification of the deletion. A representative told me that they only deleted one of my bankruptcies and the other one came back verified?! I asked how is that possible when you got your information from XXXX website and that I didn't give permission nor did the bankruptcy courts provided that information. They could not answer 15 U.S.C 1681 a ( e ) How could one be verifiable and the other is not? I want the other bankruptcy deleted from my report. I will upload the letter they sent about the deletion from my file and copies of my XXXX Report to show proof that they lied about being unverified because they know they violated Consumer Law 15 U.S.C 1681 a ( e ).
Complaint sub-issue: Report improperly shared by CRC

In reviewing my most recent EQUIFAX report, I noted " hard inquiries '' were made into it by XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as well as by XXXX on XXXX/XXXX/XXXX. As all three were to have been done as " soft '' inquiries, I want EQUIFAX to delete them ASAP as required by Federal Consumer law. I have asked REPEATEDLY for this to be done and have had no resolution.
Complaint sub-issue: Was not notified of investigation status or results

ATTN : XXXX XXXX XXXX  RE : XXXX On XXXX/XXXX/2022, I wrote to you and requested information about an account you are reporting on my credit report but you never responded. I then sent another letter to you on XX/XX/2022 and XX/XX/2022 advising that if you failed to respond and/or comply with the law, then you would be subject to fines and damages, per the FCRA. You still failed to comply. Please note, for the record, that this is my final attempt to reach a resolution directly through your company to resolve this issue. I am no longer merely requesting verification of this alleged debt. At this point, I am formally demanding that within the next 7 days, you remove this unverifiable account from any and all credit bureau reports in which you are reporting to and that you send me notification of your intent to do so. Should I not hear from you, again, within the next 7 days, and you are still reporting this account at that time, then the next communication you receive from me will include copies of formal complaints made to the XXXX XXXX XXXX, the State Attorney General, and the Federal Trade Commission not to mention my legal counsel and the local media that I plan to reach out to in order to expose your unlawful business practices. I would much rather resolve this issue both swiftly and amicably without the involvement of anyone else. Therefore, your response by XXXX/XXXX/2022 would be greatly appreciated! 

I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you never responded, but updated on website that " This item was updated from our processing of your dispute in XXXX 2022 '' and that my last complaint was a duplicate. My last complaint was a notice of estoplle by your silent Under the laws of the FDCPA, I have contacted the collection agency Denefits llc myself, and they have failed to verify that this is indeed my debt.

I enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency.

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief.

According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter. Thank you for your time.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to the 3Credit Bureaus last XX/XX/2022 but upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. But until now I haven't received any response from them. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XX/XX/2021 i was under the impression that my mortgage payment was processed with XXXX XXXX. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called XXXX XXXX to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my XXXX  and equifax so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called XXXX a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from XXXX and equifax. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX  is reporting derogatory information onto my account. I am hereby asking XXXX XXXX XXXX  to cease and desist in regards to this account. This notice is Pursuant to my federally protected rights. 15 USC 1692 ( c ) ( c ) Ceasing communication with the consumer. It says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. A form of communication regarding the alleged debt is my consumer report which is directly affecting my credit worthiness. Please see the attached letter for full details.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX is reporting over 30 fraudulent transactions Resulting from that identity theft. I have decided this Dispute this matter Several times every times.And also sent FTC report and requesting that all inquiries be delete it
Complaint sub-issue: Funds not received from closed account

Citi bank company is bad business, 2 fake business, fraud me XXXX XXXX until I go to XXXX bank and report to Cfpb. Then now they still no paid back 2 return check fees {$24.00}, and {$700.00} bonus. 
I think citi bank should never has local in Texas, or even in the XXXX as well. 
Citi branch should close permanent.
Complaint sub-issue: Account information incorrect

I disputed items oh my credit report all three credit. Collections and inquiries were removed from XXXX  and XXXX but not Equifax. How is that possible? I disputed via Equifax alone and still same results items will remain. I've uploaded screenshots of my report. There's a huge difference. I have 5 total with XXXX and same with XXXX. With Equifax that's maybe 10 or more and I've disputed but remain and removed from the other 2. Also 2 collections on both XXXX  and XXXX but many on Equifax. I advised Equifax There's no way I was looking for a mortgage after XX/XX/2019. I bought my home in XX/XX/2019 so why would I look for a mortgage in XXXX or whatever months. Also, they will not removed any of the loan inquiries that I didn't do. I applied for a Loan once XXXX XXXX which I was approved and currently paying. Anything other than that I didn't do.
Complaint sub-issue: Reporting company used your report improperly

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate after modifications. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the reporting of the following accounts are still not accurate. XXXX  Loan XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX  of 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 604 A Section 2 : It also states a consumer reporting reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

WE WERE SCAMMED BY A COMPANY CALLED XXXX XXXX BACK IN 2011. WE PAID THEM {$500.00} XXXX AND {$490.00} XXXX. THIS COMPANY TOOK ADVANTAGE OF US AS SENIOR CITIZENS. THEY DID NOTHING FOR US AND REFUSE TO REFUND THE MONEY WE PAID.WE TRIED TO GET THIS MONEY REFUNDED BY OUR CREDIT CARD COMPANY AND THEY HAVE DENIED THE FRAUD CHARGE.
Complaint sub-issue: Public record information inaccurate

I had a car loan with honor finance they came and repossessed the car last year in XXXX however it reflects on my credit report that honor finance repossessed the car in XXXX of this year I have called honor finance and I have called the credit bureaus to dispute the item and have it updated correctly and have not gotten anywhere I even ask the credit beauru to ask honor finance to furnish the paperwork showing when they repossessed the car and they will not and the credit agency will not update my credit report to the accurate information that they repossessed the car last year in XXXX as a result when I have applied for new car loans I have been denied because this repossession Isvshowing they just repossessed the car in XXXX of this year this have made my credit score drop tremendously because I keep reapplying for car loans also it have severely tarnished my credit report and financial image to the point no one wants to give me a car because honor finance and the credit beaurus has been falsely and knowingly putting this inaccurate information on my credit report even after i have made many attempts to correct the report and yet even the credit beaurus have updated my report as accurate when its not accurate this in my eyes is a violation of my consumer credit reporting rights and Im asking that the Cfpb step in and render the appropriate action
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquires I don't recognize
Complaint sub-issue: Reporting company used your report improperly

To Whom it May Concern NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This Is about the letter sent Via Mail shared XX/XX/2022 requesting your Company for validation of the below-mentioned account with MXXXX XXXX XXXX XXXXXXXX In response to the letter, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction. 

Further, the creditor reported this on my Consumer Report as " Charged off* It means that the creditor will no longer attempt to collect this alleged debt owed by them. 

Therefore, pursuant to my rights I approached the creditor and asked the following questions ; Have they sold this alleged debt? 
To whom is this debt sold? 
Are they still in the process of collecting this debt? 


I am enclosing here with the response received from the creditor. Also, I am mentioning below the answers to the above questions for your reference and record. 
Yes, they have sold the debt. 
The same is sold to your Company named Since they have charged it.off they are no longer in the process of collecting this debt Through the response received from the creditor, I would like to inform you that your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me as a consumer that the " Creditor '' was attempting to collect the debt but in reality, it was not true.

Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e {$1000.00} ( XXXX XXXX USD ). 

I am attaching herewith the invoice and if you fail to pay the same, I Will escalate this matter to Federal Court. 

I DEMAND COMPENSATION OF XXXX FOR THE DAMAGES THAT HAVE BEEN DONE TO MENTALLY AND FINANCIALLY Thank you for your cooperation XXXX XXXX XXXXXXXX
Complaint sub-issue: Personal information incorrect

I recently pulled my XXXX credit report along with My EQUIFAX report at the same time an notice wrong names listed within my credit profile. These names are inaccurate an should be removed immediately. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem using a debit or ATM card

On XXXX I made a {$700.00} transfer from my Citibank to my XXXX XXXX XXXXXXXX account. Minutes later I receive a text message from citi ( which I thought was actually Citibank ) stating that there was suspicious activity on my account and I needed to vertify my account if I didnt want it to be blocked. I clicked on the link they provided and started filling out my information. I soon realized they were asking for too much personal information so I exited out the page and didnt think nothing of it. On XXXX my phone was out of service most of the day. I thought there was an issue with my phone carrier so I didnt put much attention to it. At around XXXX I check my emails and I noticed 4 Citibank fraud alerts. I quickly check my account and notice {$9000.00} was taken out of my savings account. My phone was still out of service so I had to use my partners phone to report the fraud. At around midnight I notice right before I received the Citibank emails there was an email from XXXX. It stated that my imsi was changed. I soon learned that my phone was hacked and thats how the scammer had access to my account. The next day I went to XXXX to get my phone fixed and soon after I went to the bank to open a new account. I did EVERYTHING the bank asked me to do. They have denied my claim 3 TIMES because they determined it wasnt a fraud but they dont want to give me any reason as to why they made that decision.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I called Equifax multiple times over the course of 6 months to file a dispute and they make it very difficult to speak to someone over the phone. They made me go through an automated system answering questions from our credit report as " verification '' of my identity. Which is not an accurate way to verify my identity because the information they are reporting is not 100 % accurate. When I finally did speak to someone the same thing occurred and the representatives hung up on me. I had to keep calling back and go through the same difficulty. How can a company make it this difficult for me to access a file that they never even had my written consent to create in the first place. So, it's okay for them to create a file on me but not give me access to it? They can help themselves to my information but turn around and say I have to prove who I am to them? They should be proving to me who they are, and how they can create a file on me. Use of my personal information without my written consent is Identity theft and is punishable under the FCRA Federal Credit Reporting Act. I am absolutely disgusted that I have to go through this. My character has been defamed and my reputation ruined because of the things they have be reporting and not allowing me to correct them. Also, let this complaint serve as my authorization for the Consumer Financial Protection Bureau to handle this situation.
Complaint sub-issue: Account terms

Equifax Credit Bureau not fully investigating the credit dispute regarding a XXXX XXXX XXXX account. It was returned verified which in fact is still incorrect with the other reporting credit bureaus. 

On Equifax Acct # XXXX status is open, but reports Date of Last Payment of XXXX XXXX, XXXX. On XXXX and XXXX, they both demonstrate the same account above as Closed Status, Collection and Charge off. XXXX reports Closed date of XXXX XXXX, XXXX, while reporting a Date of Last Payment of XXXX XXXX, XXXX with no payment history indicated.
Complaint sub-issue: Card opened as result of identity theft or fraud

Someone tried opening a credit card in my name. The application was canceled because the company was not able to verify my information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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. it also States a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$3800.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 
( XXXXXXXX XXXX XXXXXXXX Date opened XXXX XXXX, 2018 Balance {$3800.00} )
Complaint sub-issue: Their investigation did not fix an error on your report

Sent Validation of debt letter in XX/XX/2020 and hadn't received a reply from bureau. Multiple inaccuracies on credit report that need to be fixed. Utility Bill and ID also sent out.
Complaint sub-issue: Account information incorrect

Incorrect collection on my account. I have my own health insurance for years definitely something wrong with it. And the other two credit report company have been deleted this account for me.
Complaint sub-issue: Problem lowering your monthly payments

I inadvertently re-certified my income too soon and the information provided was from my XXXX tax return. When I realized this had happened, I sent the information from my XXXX tax return. They were quick to process the high income error, but have refused to timely process the information with my actual income. I make significantly less money now and as of this moment, I am self- employed and struggling. I called back in XXXX and was told that I need to submit additional documentation, so I uploaded my pay stubs as requested. I no longer work there and the payment calculations are incorrect and I can not afford it. I went back in and submitted my XXXX tax return information via the IRS retrieval tool in XXXX. My payment still hasn't been re-calculated. I submitted this information yet again and it's still being processed. I can not afford these payments. I have submitted the documents multiple times electronically and they are just sitting on them. It's funny because XXXX has already processed the same requests as XXXX  because they were sent everything automatically at the same time. I want this resolved now. This is totally unacceptable and I am seriously considering legal action.