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

I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This grave error has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The Gramm-Leach-Bliley Act makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the Gramm-Leach-Bliley Act. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me in accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.
Complaint sub-issue: Was not notified of investigation status or results

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX XXXX and Equifax ) on/around XXXX XXXX, 2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX XXXX and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. This will now be my third attempt to resolve my concerns ...
Complaint sub-issue: Reporting company used your report improperly

I recantly went into 2 separate dealerships to finance 2 separate vehicles, both times I was already approved when I walked in, however they ran my credit over 20 times, here are the companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Trouble with how payments are being handled

I applied for a new student loan repayment plan in XX/XX/2018 after losing eligibility for the Public Service Loan Forgiveness program ( I no longer work for a qualifying employer ). My federally-subsidized loans are serviced by XXXX. XXXX denied my application erroneously : they said I needed to make a payment on the standard plan to show it was unaffordable, but I had already made two payments on the standard plan. The XXXX agents with whom I have spoken about seven times in the past three months have told me that my application is still pending. In the meantime, I am delinquent on my regular loan payment of XXXX XXXX/month. It should not take this long for XXXX to process my application for a new payment plan.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting, the following accounts has violated my rights : XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C . 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1682 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

I sent out a letter on XX/XX/2021, via certified mail, requesting that the XXXX XXXX XXXX account be deleted from my Equifax credit report. On XX/XX/2021, I checked online to see the status of my dispute and wasn't able to locate it. I called Equifax that same day, and they told me that the XXXX XXXX XXXX  account wasn't deleted. I was never notified of the status of the dispute, and I not able to attain any information on this dispute online. I am still asking that this account be deleted from my credit report since it was never verified. Also, this account is reporting late payments, and the account is closed. This is a violation, and I'm asking for this account to be deleted, NOT updated.
Complaint sub-issue: Debt was paid

In XX/XX/2016 I made a purchase on my Macy 's store card. Within the next two billing periods, I paid off the balance, and did not use the card again. I rarely used the card in general, therefore did n't have need to constantly check the website. In XXXX I began receiving increasingly more phone calls about an uncollected debt. After calling Macy 's Credit and informing them that I paid off the balance, they informed me that somehow a small charge of interest was made to the account that then began accruing late fees. They told me that they would take care of the fees, and agreed that I had paid off the balance, and the account would be back to XXXX. Fast forward to XXXX, and the exact situation occurred, where an interest charge was added to an account balance of XXXX, and late fees had accrued on it again. I explained the situation all over again, and they reached the same conclusion. The error was on their part, and they would reverse the fees, and this time, I closed my Macy 's account completely. I had them send me letters of confirmation of account closure as well as to the credit bureaus to inform them of the error Macy 's Credit had been making to my credit. Now again in XXXX, I received more harrassing calls saying that my account was past due and I owed more than {$150.00}. In reviewing the statements, I see that the exact same situation has happened again, and Macy 's has continued to blatantly disregard my credit and time. The most recent offense shows that they did not in fact remove all of the late fees in XXXX when they said they did, and the amount that was left on the account accrued late fees again, which led to more harassing calls on an account that is now closed, and had promised to me to have been resolved. I keep having to call their customer representatives for them to just tell me that they see exactly what I have been saying all along, that the balance was paid off long ago. This vile attempt to collect fees, and harassing me continuously is unjustified, and horribly apparent that this scam that they are perpetrating to collect more money than ever spent in their stores is grossly wrong. I am so tired of having to deal with this, and were it not for my diligence in the matter, I know they would continue to try and bully me into paying them more undeserved money.
Complaint sub-issue: Information belongs to someone else

After checking my credit report I discovered accounts and debts on there inwhich I have no knowledge of, I also understand that I been a victim of Equifax breach, so now I'm writing in to get the following accounts/ collections rightfully removed from my report the accounts in questions are reflected by the following dates, XXXX, XXXX, and XXXX
Complaint sub-issue: Debt is not yours

Equifax and XXXX  is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Complaint sub-issue: Information is missing that should be on the report

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Congress has established laws to combat aggressive collection methods and practices. But, the credit agencies XXXX, Equifax, and XXXX are ignoring the laws that I am providing today. 1692 ( a ), ( b ), ( c ), and ( d ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and to invasions of individual privacy. 
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 
( c ) Available non-abusive collection method This means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 
( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce
Complaint sub-issue: Personal information

I did n't report XXXX XXXX XXXX XXXX, XXXX, CA XXXX as one of my Address
Complaint sub-issue: Old information reappears or never goes away

I applied for a mortgage and was told by the bank that my loan was denied due to high debt to income value and the derogatory remarks of delinquency on my XXXX credit report. I wrote to XXXX  one year ago to remove this remarks from my credit report because all outstanding loans that were outstanding at the time was paid and settled. I am debt free for 2 years now. I have paid back and settled all outstanding loans, mortgages and debts. My current credit card use is to establish responsible use of credit to rebuild my credit history which was destroyed because of divorce. All credit cards have had no outstanding balances except the current balance for the month. All credit cards are paid on the due date and non have been paid late, yet XXXX continues to report that there are derogatory remarks of delinquency on my account. This is affecting my ability to get financing for a mortgage for a home that I can finally afford.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ON THESE DATES BELOW THESE INQUIRIES WERE ADDED TO MY CREDIT FILE WITHOUT MY PERMISSION OR AUTHORIZATION. I DID NOT AUTHORIZE THESE COMPANIES TO INQUIRY INTO MY CREDIT FILE. 
XX/XX/19-XXXX XXXX XX/XX/19-XXXX XXXX-XXXX   XX/XX/19-XXXX XXXX XXXX XX/XX/19-XXXX XXXX XXXX XX/XX/19-XXXX XXXX XXXX   THEY ALSO HAVE THE NAME " XXXX XXXX XXXX '' ON MY CREDIT FILE, I WOULD LIKE FOR IT TO BE REMOVED!
Complaint sub-issue: Funds not received from closed account

CitiBank stopped granting me access to my account late XX/XX/2020. They closed the account on XX/XX/2020. When I called after the closure, an agent said Citibank would be sending a check out to me. Meanwhile I was never told why my account was closed. Ten business days passed, I still didnt get this check. I called agin, and also complained about not knowing why my account was even closed. I was then told that a letter as to why my account was closed will be sent out to me within 1-3 months. I asked if the check will be included, the representative couldnt say. I was like okay, the check might be included in the reason they will be sending. 3 months passed, I didnt get a letter nor a check. I called again, they said its been sent out to the address they had on file which was surely my right address. I said I didnt get nothing. They said theyll re-issue another one and should get it within 7-10 business days. The days passed again, and I still didnt get nothing. I called and this lady on the phone then said the account was closed because of the information they have on the account is not right that Id have to come to Florida to get it, because I live in Georgia and there is no Citibank branch here. COVID-19 was still on a rapid increase rate at this time. I was like it would be difficult to travel at this time. The person said they would file a claim and then get a check sent out to me. Basically, for the past 7 months Citibank has not given me my money and I kept on getting posted and posted. Now, I would like to take this up legally because Im fed up.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Investigation took more than 30 days

I sent investigation requests to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results by XX/XX/XXXX, but they have not.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

They do not have my permission to report on my consumer credit report.

IDemand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine.

letters have been sent certified mail and return receipts have been received by me.

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX na : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX  XXXX : XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status

Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me.
Complaint sub-issue: Account information incorrect

I have a XXXX credit card. They are also associated with XXXX financing since the month of XXXX they have been recording inaccurately on my credit report. Someone used my credit card fraudulenty XXXX was notified at least XXXX times and have never corrected the situation. This problem has brought my credit score down by at least XXXX or more points, they are very unprofessional. They are inconsistent, and they shouldnt be in business..
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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Complaint sub-issue: Investigation took more than 30 days

Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions of the consumer to whom it relates.US DEPARTMENT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX, AND XXXX never gave XXXX, Equifax, or XXXX written consent or permissible purpose to report anything on my consumer report, in addition ti having not validated or confirmed with proof of certified mailing of a written consent in writing by me.. No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of this account. Immediately. I, XXXX, the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/1982. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the account listed below 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. 

XXXX ID : XXXX Account Number ( Last XXXX ) : XXXX Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX : {$1900.00}
Complaint sub-issue: Debt was paid

On XX/XX/2015 I went to the doctor ( XXXX ) I paid the co-pay at the time of service. I showed AR resources a copy of my receipt from XXXX. They continue to report that I owe this debt which is effecting my security cleareance
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX am the victim of identity fraud company name XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be moved immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

A collection company by the name of Portfolio recovery brought a alleged debt from XXXX bank this collection company is violating my rights by reporting this alleged debt as a new account that was opened in XX/XX/XXXX when this account was open in XX/XX/XXXX with the original creditor this is not legal the according to the Fair credit act a debt collector can not report old debt as new debt it is supposed to obtain its original date of delinquency