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

I, consumer, am a natural person who regularly extends, renews, or continues credit and who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See Equal Credit Opportunity Act ( ECOA ).

I have a secured right to privacy and confidentiality that was breached by the furnisher without consumer consent in violation of Florida Statute 540.08. 

No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness. 

Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ).

Furnisher has conspired with third parties companies d/b/a consumer reporting agencies disclosing personal information without consent in breach of trust despite FDCPA cease communication notice.

XXXX XXXX continues to furnish deceptive reports without consumer consent to third parties and fails to remedy violation. After several calls to cease reporting, XXXX XXXX filed a cease and desist notice against consumer alleging harrassment for exercising consumer right of privacy as trespass by XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax failed to verify the accuracy reporting on the account XXXX XXXX  XXXX. ..The accounts is current, paid on time..Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
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 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: Credit inquiries on your report that you don't recognize

I spoke with a repersentive at XXXX to report a numerous amount of hard inquires that Im unaware of. They refuse to remove the inquires and directed me to the creditors in which theyve also denied my request to remove them. It was bacially like a back and forth situation.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2018 2 Collection accounts were removed as a result of not being able to validate the accuracy. On XX/XX/XXXX these debts were reinserted on my credit reported with no notice per The FCRA. I attempted to resolve the issue with Equifax to no avail. A representative by the name of XXXX promised to give me a call back as it seems that it was a Tech issue that he would attempt to get resolved. I believe this was a stall tactic.
Complaint sub-issue: Reporting company used your report improperly

I have had numerous background checks ran by checkr for various employers. The FCRA rules clearly state that background information beyond 10 years may not be reported. Also in Texas it is illegal to report past 7 years unless the employer is specifically offering a position with a gauranteed annual salary of {$75000.00} or higher. Checkr has violated both of these mandates numerous times with different companies causing me to be denied employment. They do not respond to any correspondence. I have sent them 30 emails, no response at all. NONE. Furthermore the company is guilty of absolute blatant lack of ethical responsibility to their duty and blaming it on covid. The court houses in XXXX TX NEVER CLOSED AND WERE NEVER BACKLOGGED FOR ANY REASON OTHER THAN FELONY CRIMINAL TRIALS. They pick and choose what companies to run background checks in a timely manner for and others they delay. How would I possibly be able to make this accusation?? Because literally today I had one background check ran in XXXX through checkr. It came back in 10 minutes. The one for my XXXX account that has me out of work and In sever financial trouble, is going on 30 days with no valid reason, no response from checkr And something has to be done. They have to be held accountable. This isn't just dealing as a private business, they are in control of peoples livelihood.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information which appears on my credit report, does not relate to any transactions that I have made and are related with my current open accounts. The following are the results of identity theft.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My Date of birth is XXXX. 
I have addresses on my report that do not belong to me and are not mine. They are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following have violated my rights : Account name : XXXX XXXX XXXX Acct # : XXXX, Account name : XXXX XXXX XXXX  Acct # : XXXX Account name : XXXX XXXX XXXX  XXXX. Acct # : XXXX Account name : XXXX Acct # XXXX XXXX Account name : XXXX XXXX Acct # : XXXX, XXXX, XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX XXXXXXXX Acct # : XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX XXXX Account name : XXXX XXXX XXXX Acct 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 agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original XXXXonsumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 9XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an  account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have send a request to AFNI demanding a CERTIFICATE OF ASSESSMENT and other relevant information. AFNI has refused to respond. I sent the letter to AFNI via certified mail XXXX XXXX XXXX XXXX XXXX. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Complaint sub-issue: Problem with statement of dispute

Following the fact that my prior CFPB case number XXXX resulted in information that the company XXXX XXXX XXXX conducted a hard pull of my Equifax credit report, after the CFPB case closed that I am not a customer of XXXX XXXX XXXX, I was informed to call them at a number that they provided to CFPB in my reply. When I call this number, I am not able to reach a representative. As a result, I decided to file an inquiry dispute with Equifax and the result of the inquiry was that inquiries are factual records of file access and they closed the dispute. They told me to contact XXXX XXXX XXXX once again and they direct me to call either the Department of Education ( which I have done via the Ombudsman and have received no reply ) or my university ( which has no knowledge of XXXX XXXX XXXX ). I am unsure how to proceed because I have no knowledge of authorizing XXXX XXXX XXXX to authorize a hard pull on my Equifax credit report, Equifax did not accept my dispute, and there is no one to reach at XXXX. Ideally, I want the XXXX XXXX XXXX hard pull inquiry removed from my credit report unless it can be proven that I authorized such a request.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 getting report or credit score

This problem is STILL not fixed. No one except Equifax can pull my credit. All my information is correct per a phone call, I do not have a freeze per a phone call. I do n't understand why no one from the company has called me at XXXX. This is delaying my mortgage and is against the law. I feel I need legal representation because I am getting no where. Please have the executive office contact me. They also said they would mail me a report and did n't!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  XXXX ... this account is a charge off and was disputed as being reporting as unverified and inaccurate but on all occasions the company and the credit bureaus have not done anything except to respond saying the account is verified. how can a chargeoff be continuously reporting late payments when its a closed account meaning no new information should be reporting. plus they have a monthly payment and past due reporting on a so called chargeoff account. that is a violation
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The card provider is cash app these refused to refund me they didnt even want to open my dispute I didnt authorize multiple transaction but every time I contact them they give me the same response and tell me to call there support line which btw is fake and no one answer ever there support team do not help and is rude.
Complaint sub-issue: Their investigation did not fix an error on your report

For one account ( XXXX XXXX ) it is reporting that my last payment was made on XX/XX/XXXX and that the account was closed on XX/XX/XXXX. The card was closed XX/XX/XXXX. I asked for verification that this account is indeed mine and I asked for the method of verification. I have received no response from them. I reached out on XX/XX/XXXX. No response and nothing change. 

Next account ( XXXX  ) I asked for validation and received no response. Acct is not mine
Complaint sub-issue: Was not notified of investigation status or results

After 30 days of initial dispute of the disputed XXXX XXXX account # XXXX, asking to validate account, equifax failed to do so and deleted the account, I learned today they reinsterted the account without notifying me, according to FCRA previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. This FCRA requirement was not practiced. Additionally, the creditor who reinserts the negative item must also certify the information is correct. 
Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ) only in cases where the deletion occurred as a result of the finding in a dispute.
Complaint sub-issue: Reporting company used your report improperly

As a consumer, I have a right to privacy. Pursuant to 12 CFR 1016 ( Regulation P ), I should have received a reasonable opportunity before the disclosure of my nonpublic personal information to the nonaffiliated third party, to opt out of the disclosure. Since Equifax created a profile with my nonpublic personal information without my authorization, I have yet to receive an opt-out disclosure via mail, electronic means, or an isolated transaction pertaining to the disclosure of my nonpublic information from Equifax. This is not fair, accurate, equitable for me as a consumer. The nonpublic personal information that Equifax is disclosing is forcing me to lose confidence in the banking system because of Equifax credit reporting methods.
Complaint sub-issue: Received bad information about your loan

On XX/XX/2020, the CARES Act was signed into federal law indicating that borrowers with federally backed loans would have their payments suspended through XXXX XXXX, 2020 and the corresponding interest waived. As for borrowers in the Public Service Loan Forgiveness Program ( PSLF ), the law clearly states that each month of suspended payments would count towards the 120 required payments under this forgiveness program. 

My loans are handled by FedLoan Servicing ( FLS ) and I am enrolled in the PSLF program. As of today, XX/XX/2020, FLS has not updated the information on its website reflecting these changes implemented via federal law. In fact, FLSs website currently ( and erroneously ) states that suspended payments will not count towards the PSLF payoff. Ive also contacted FLS at least three times in an attempt to get guidance on  how to proceed since my loan payment due date is swiftly approaching. The customer service reps have either been completely unaware of any changes to be implemented under the CARES Act or have provided guidance that is clearly contradictory to the text of the new federal law. Other customer service reps have repeatedly recommended emergency forbearance which is different from suspension ; forbearance would disqualify skipped payments from being counted towards PSLF. 

FLS is purposefully misleading customers about options available during this time of financial instability, and also withholding important information that impacts the financial status of thousands of borrowers. FLS has also failed to provide borrowers with a clear timeline regarding implementation of the CARES Act.
Complaint sub-issue: Personal information incorrect

I mailed out this request in XXXX of 2021 and still, my personal information hasnt been corrected to reflect my current address, name, and phone number. 

As a victim of identity theft, I do not want any incorrect information on my credit report that could potentially increase the risk of scammers obtaining credit in my name. 

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

and also in 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. I have not given any of the agencies/companies or credit reporting bureaus my written consent to furnish and or sell my personal information to a third party or credit reporting agency. 

Thus, Per the Fair Credit Reporting act, The Right to Privacy and Permissible purposes of consumer reports, XXXX, Equifax, and XXXX have violated my rights. According to 15 U.S. Code 1681c. Section 5 - Requirements relating to information contained in consumer reports, states that any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Kindly ask for the second time that inaccurate information, including the accounts associated with the addresses or phone numbers listed below, be deleted immediately from my credit report. 

Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, Fl XXXX, XXXX, NY XXXX Inaccurate Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Spouse or Co-Applicant : XXXX Accounts Furnished without my written XXXX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have a Costco Citi Visa credit card. Until recently, my credit limit was {$8200.00}. I have never been late and always paid on time. Recently, I paid off the balance of {$8000.00}. Even though the payment was made via ACH verified funds, Citi delayed crediting my account for several days. This delay in applying bonafide funds to my account adversely impacted my credit profile by showing a higher balance than XXXX balance after the account was paid in full. After I complained, Citi reduced my credit limit from {$8000.00} to {$4000.00}. This act treated me differently than it treated other customers in a similar situation. They sent an adverse action letter stating the reduction was due to having a late payment with another creditor. This explanation is mystifying because this delinquent mortgage account has been delinquent throughout the period I had a higher credit limit with Citi credit. Additionally, During the period I have a higher credit limit, I had a much lower credit score than when the reduction in limit went into effect. This practice of Citi 's conduct is discriminated against me on the basis of my race as being a XXXX XXXX XXXX. Otherwise, no legitimate business reasons exist for Citi 's conduct in adversely reducing the limit.
Complaint sub-issue: Debt was paid

These accounts are not mine. The only one that I claim is the one I owe XXXX on. I have been making payments on this account and have never missed but perhaps a month or so. If you are going to send me a collection letter and place this account in collections, I will not pay another dime. I would like to request my money I have paid back. I have spent years building up an amazing credit score and I refuse to let you all ruin this for me. Do not call my house or place of employment. Do not write me. Do not email me. Take me off this collection list now. My lawyer for all matters is XXXX XXXX. XXXX and XXXX XXXX XXXX  in XXXX XXXX, Arkansas!
Complaint sub-issue: Other problem getting your report or credit score

I THOUGHT THAT I HAD FIXED THE PROBLEM WITH THIS CREDIT AGENCY ( EQUIFAX ) ON XX/XX/2020, BUT I FIND THAT THE PROBLEM IS STILL THERE ON XX/XX/2020. I PAID FOR THERE SERVICES XXXX AND I TRIED TO LOG IN TO MY ACCOUNT TODAY AND IT TELLS ME TO CONTACT THEM. SO I DID AND GAVE ALL MY INFORMATION AND AFTER ALL THAT TIME SHE INFORMS ME THAT THEY CAN NOT VERIFY THAT I AM WHO I AM. THIS IT REDIULUS AND IM NOT ONE BIT SATISFIED AND THIS HAS CAUSED ME TO SUFFER AND I AM OUTRAGED
Complaint sub-issue: Trouble getting information about the card

The company limits support to chat and has turned off customer service phone lines. They will not provide elaborated or specific information regarding requests Ive made. Often they do not answer the question Ive asked at all. I am unable to escalate the issues or receive any additional following when requested. The treatment by the employees is discriminatory and targeted because of how I chat and how quickly I respond.
Complaint sub-issue: Their investigation did not fix an error on your report

I officially notified the Credit Reporting Company via certified letter that I had an unauthorized inquiry on my credit report in XX/XX/XXXX 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry was requested repeatedly. 
They neither provided me strict proof or DELETED the item immediately!! This is the official second notice. If they do not delete the inquiry in 15 days I will take legal action. 
Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter and submit their reinvestigation information proof. 
If they ignore this notice and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to send notice to the Attorney General for further scrutiny of this matter. The credit reporting company received my request/demand to provide proof that I have given the authorization to pull my credit on the following hard injuries that follow : XXXXXXXX XXXX XXXX  XXXX  XX/XX/2021 XXXX XXXXl XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX MiscellaneousXX/XX/XXXX1 They have not responded to my request and now are in DEFAULT. 
They must immediately remove any derogatory reporting to the credit reporting agencies because they are causing defamation of my character and I will be forced to take legal actions against this credit reporting company. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal actions against them. 
**Immediately remove any derogatory reporting or consider this as contrastive notice of impending legal action. ***
Complaint sub-issue: Not given enough info to verify debt

Ask for verificatiin of debt showing on credit report and agency said they cant find the information yet its still being reported.