Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

I have a court order that absolves me of responsibility on a Us Bank acct opened in 2008 because of fraud. XXXX XXXX XXXX has been harassing me, and people who know me, about this debt. They havent provided anything in writing and make false claims, such as : theyve checked my credit, this is a filed judgement and I better not miss my court date.
Complaint sub-issue: Reporting company used your report improperly

Hi I have tried to reach out to all bureaus again and got a response on XXXX from only XXXX and nothing has changed and after pulling my report again I still see no change. 


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 XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX TXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

I switched to another car insurance company because the payment was too high and then they report to collection company.I try many times to resolve this problem with the credit bureau ( equifax ) nothing resolve. 

You can not open a dispute. The web page does not allow it for me. This is a way to steal money from people within a legal aspect. 

They report on XX/XX/ I got insurance other company by XX/XX/.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting 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 Section 2. Also states a consumer reporting agency can not furnish an account without written instructions or consent.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a clear title to the car I owned that have been paid off and sold to XXXX for resale. I have disputed and attach my documents as proof. Please see the same documents that I rendered to all 3 major credit reporting agencies. However, all major credit reporting agencies, never fix the issue at hand.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have asked for the items to be removed to correct my report. I have already reported the identity theft to the Federal Trade Commissions and can provide documentation supporting the Federal Trade Commission 's affidavit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, in the process of purchasing a home and due to these circumstances it is stopping me from moving forward in life and acquiring a mortgage loan. I notice that there is unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose. I do ask that under the Fair Credit Reporting Act and violation code of US CODE 15 USC 1681b ( 2 ) as well as the violation of my rights to privacy that this is removed from my files immediately. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance wi the fair credit reporting act, XXXX, XXXX account number 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 an account without my written instructions
Complaint sub-issue: Funds not handled or disbursed as instructed

I have used XXXX  for over a year and now PNC has blocked it and I can no longer access my account with the XXXX  app.
Complaint sub-issue: Received bad information about your loan

I am in the PSLF program. I have worked for a qualifying employer for over 20 years. I received a letter saying that my employers are approved, but that I have 0 payments counting toward the 120 payments. The letter states that this is updated using the new waiver guidelines. Also, the alert screen upon log in for the Fedloan website says that if you received a letter after XXXX, ( mine was dated XX/XX/XXXX ) the loan count is correct and updated- which is simply not true.
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 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  has violated my rights. 
15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2 : It also a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Need information about your loan balance or loan terms

On XX/XX/XXXX I received an update to my payments remaining for XXXX that did *not* include my current employer for which I have submitted an employment certification form in the Fed Loan Servicing document upload for it. The last month my employment certification has listed qualifying payments for is XX/XX/XXXX ; however I have remained employed consistently with the same qualifying employer since then. It is not XX/XX/XXXX. I have uploaded the completed updated employer certification and now that the eligible payments have been recalculated, I need them to be updated with the latest documents.
Complaint sub-issue: Information belongs to someone else

I have sent several request to have fraudulent accounts removed from my personal credit file. Each time they return as being " verified ''. As a result I have requested the method of validation and also how are the accounts are being verified, which in return I have not received anything but a copy of another credit report with the same exact information included. This is considered insufficient validation of debt. Per FCRA 609 I need the signed original contract.
Complaint sub-issue: Information is not mine

I 've disputed XXXX-XXXX different collections with Equifax and XXXX-XXXX with XXXX without the desired resolution. In some cased collection agencies have changed the open dates past original closed dates in order to keep the debt current. I have XXXX-XXXX that are over 7 years old and should be removed.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX, ACCT NO.XXXX IS FRAUDULENTLY APPEARING ON EQUIFAX , XXXX  AND XXXX REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED XXXX CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, EQUIFAX MORTGAGE SER add a hard inquiries on my credit reports per Equifax ( the report does not include information about the creditor ) and XXXX.

On XX/XX/XXXX, XXXX XXXX add a hard inquiriy on my credit report per Equifax ( the report does not include information about the creditor ). 
On XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per Equifax ( the report does not include information about the creditor ). 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Old information reappears or never goes away

Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files.

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well.

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts.

If we don't receive the cooperation, we will file a small claims court action to protect our rights.
Complaint sub-issue: Account terms

To Credit dispute department : XX/XX/XXXX - Contacted XXXX Services about account {$8300.00}, was informed that they would be sending me a XXXX form for balance on account. 
XX/XX/XXXX taxes, filed XX/XX/XXXX, Amount {$8300.00} Reported as income from form XXXX from XXXX Card Services, included as income reported for the year, and paid taxes for same. 
XX/XX/XXXX - Attempting to qualify for a mortgage, contacted XXXX services again, to request that the amount of {$8300.00} be removed from my credit file, after having received XXXX and reported amount as income XX/XX/XXXX. 
XX/XX/XXXX - Am told by XXXX Services that the only way the amount will be removed from credit report is if {$8300.00} is paid to them to XXXX the balance on the account. Have spoken with various entities at XXXX, provided the XXXX form they sent me, but they refuse to XXXX the balance on my credit report. Can anything be done? '' XXXX has XXXX out the balance but equifax and XXXX has not changed it. I have the XXXX form if needed provide me with fax or email to copy and send. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXXXXXX XXXX
Complaint sub-issue: Didn't receive services that were advertised

About 6 years ago my information was part of the equiax hack, never being notified by them I found out from a co worker and how to see online which I was affected starting with them I submitted 3 different claims to there settle ment department of and nothing had been resolved, no help, no information, they haven't giving me the 7 years of free credit monitoring, hec I can't even log in now to unlock my credit, so from there I started cleaning up the mess myself using y'all 's site, FTC , irs , identity. Gov, getting new social security cards, drivers license 3 times, I used XXXX, XXXX, XXXX, XXXX XXXX, all who have denied me any kind of reimbursement or help one I started submitting claims and reciepts for lawyer bills etc etc, XXXX was hacked, XXXX, XXXX, XXXX XXXX, XXXX, etc, I haven't gotten a tax return in 2 years there's 14 inquiries on my credit report I dispute they go away and pop right back up 6 months later. I out out fraud warnings and filed claims and have all the documentation, I can't even get a passport and I'm financially at the end of my rope I make XXXX a year and have no Debt except maybe XXXX on credit cards I used during covid layoffs. It's just a drain and idk what else to do please help. 
XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting acXXXX XXXX Account number XXXX XXXX XXXX and 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: Debt is not mine

I think that XXXX is unreasonable for a Saturday, considering that they were looking for a XXXX XXXX, someone who could not have had this number or address for at least 12 years. There should be some due diligence on who has had the phone number. There is on and has not been a XXXX XXXX or XXXX XXXX at this number, so why do I get calls about them 12 years after this number was assigned to me?
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$2500.00}
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, my credit report showed I had an outstanding debt to XXXX XXXX in the amount of {$370.00}. On XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX XXXX and paid that debt over the phone. I paid {$420.00}, {$370.00} plus late fees. They emailed the receipts to me. 

On XX/XX/XXXX, I sent a notarized statement to XXXX XXXX requesting they correct my credit file after I paid my debt in full on XX/XX/XXXX and it was still showing as unpaid on all 3 credit agencies. I received no response from XXXX XXXX. 

On XX/XX/XXXX, Equifax updated my credit report with a different creditor name for the same amount and same account number. I have no knowledge of an account with XXXX XXXX and they should not have ANY information attached to my medical records at XXXX XXXX. 

On XX/XX/XXXX, I sent a notarized statement to Equifax, along with receipts from XXXX XXXX, copy of my ID and social security number, and proof of residency. I requested that the incorrect record be removed from my credit file. 

On XX/XX/XXXX, Equifax sent a letter stating that the debt is valid and is still being reported as XXXX. 

It is unlawful for Equifax and XXXX XXXX to knowingly request that I pay the same debt twice. It is unlawful for Equifax and XXXX XXXX to knowingly report incorrect data on my credit file.
Complaint sub-issue: Problem accessing account

Pnc will not bet let me like my XXXX account to apps which include apps to manage my stocks. This issue needs to be resolved it affects our financial lives.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018 I received a letter from Key Bank regarding my recent application for a Key Bank Home Equity Loan. In the letter is references my XXXX   score dated XX/XX/2018. I never spoke to anyone at Key Bank authorizing them to run a credit score or to refinance my current mortgage with them. They had called my cell phone numerous times prior to the credit pull, but I never returned their call or spoke to anyone. It is illegal for them to pull a credit report without my authorization and now my credit was dinged for an unauthorized pull.
Complaint sub-issue: Can't qualify for a loan

Granted, my credit profile may not have been eligible to carry my Sallie Mae loan independently, however, my co-signer has an impeccable credit rating and I was turned down. 
This needs to be investigated.
Complaint sub-issue: Information is not mine

it seems like no one is helping me - not even your organization! I 've been disputing this information for almost a year now and not even ONCE have I received information proving these accounts to be mine! I 'm a victim of ID theft - I even have the papers that cleared my name when I had someone using my name and information to open accounts and do other criminal activities The person is the one who opened these XXXX accounts - not me. Just as in XXXX v XXXX, if they had done a handwriting analysis, they would see that I am not the one who did this! Not only that, but with the XXXX account - how are they even verifying this information when both equifax and XXXX both have different balances and open dates?? XXXX removed this account because they knew it to be ID theft and NOT mine! I need for someone to find out why they are violating the FCRA and not removing this from my credit file! What 's wrong with these people????? 
See my letter that I have attached that I am sending with this complaint.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 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 have been disputing a Bankruptcy on my credit report i have written to the bureau for the past 3 years i call them on the phone 2 dozen times i wrote to the Northern district Court about a Bankruptcy that both XXXX and Equifax have been reporting in Accurately on my Bureau the court sent me a letter indicating that they DID NOT AND DO NOT report to any Credit Bureaus i sent these letters to the Bureaus and they say that they have verify this as a accurate item reported by the court so I went to the Northern District court with my ID and they said to me that we don't have a BANKRUPTCY in my name they then told me that the Bureau gets this information from XXXX XXXX i contacted them by phone and in writing they have never responded by phone or mail so i sent a letter to the Bureau explaining that they show me their Method of Verification they responded that the info was verified by XXXX XXXX i asked them then why isn't XXXX XXXX showing on my credit report they said that i should contact them bottom line is they don't give a XXXX about me and my credit and how this effects my life so i have spoken with a attorney he said that i should fit a complaint with you so i am complain that these Bureaus are ignoring the Fair Credit act and have no fear of your organization the attorney general or the federal Trade commission so I am asking for your help in this matter if they have verified this then i have a right to know who they verified this information with NAME EMAIL PHONE NUMBER etc.
Complaint sub-issue: Information belongs to someone else

AFTER REVIEWING A COPY OF MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT. PLEASE RE-INVESTIGATE AND HAVE THOSE INACCURATE ITEMS OFF MY CREDIT FILE.
Complaint sub-issue: Investigation took more than 30 days

You failed to respond to my dispute letter and you failed to verify that these account belong to me before the end of the 30-day period beginning on the date that you received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified account must be promptly deleted from my credit file. The file listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately. 

You are also required to send me a copy of my credit file showing that these items have been removed.. Please provide me with a copy of an updated and corrected credit report showing these item is removed. 
account name account number National credit systems XXXX
Complaint sub-issue: Account status incorrect

I have contacted XXXX to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized XXXX, XXXX and Equifax refuse to investigate this abusive process claiming they must remain for two years.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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: Problem with statement of dispute

I disputed items off my credit and enailed Equifax and received this : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. ''
Complaint sub-issue: Frequent or repeated calls

We used our " Best Buy/CitiBank '' credit card for purchases in XXXX, Arkansas. The remaining debt was {$230.00} as of XXXX XXXX, 2017. We went into the store to pay the debt on XXXX XXXX, 2017, but the store was having difficulties with their electronic cashier system. We paid them {$100.00} in cash, and wrote a personal check for the remainder, {$120.00}. The store cashier could not process the check electronically and could not print a receipt for the check. We submitted the check anyway and left the store, assuming the debt was paid. 
Collection calls began several months later, and come usually 2-3 times every day, often after XXXX XXXX. We have explained the situation with the collectors from CitiBank, but they seem to not understand and insist we owe upwards of {$280.00} due to interest and penalties. We have offered several times to immediately pay the {$120.00} because we have confirmed with our bank that the check has never cleared, but we refuse to pay the interest and penalties. And we have demanded that the reports to credit reporting agencies be rescinded. We have asked to speak with a supervisor, but this request has been denied. We will gladly pay the original remaining balance, but not the added interest and penalty. We have now asked that all calls cease immediately, but they have called twice today already. One agent did offer to remove {$39.00} fee, but no more.