Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Report improperly shared by CRC

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Complaint sub-issue: Debt resulted from identity theft

I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
Complaint sub-issue: Personal information incorrect

!!! Hello, My name is ***XXXX  XXXX XXXX I have been trying to reach out several times to get my problem fixed and receipted no responses so far. There are some of wrong adresses and employment information that exist in my credit account for years. In addition to that there are also some derogatory information appear in my credit report that not belong to me or our business. Here are the addresses and employment information that need to be removed : ****************************************** _EMPLOYMENT INFO! PRIORITY EXPEDITE! XXXX XXXX +++++++++++++++++++++++++ _ADDRESSES REPORTED! XXXX XXXX XXXX XXXX, AR XXXX! XXXX XXXX XXXX XXXX XXXX, AR XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX FOUND 7 DATA BREACHES ON MY ACCOUNT!!! 
HOW DOES THIS HAPPEN? 
HOW DO I PROTECT MYSELF? 
Should I freeze everything for eternity?
Complaint sub-issue: Personal information incorrect

Birth year is XXXX not XXXX as reported
Complaint sub-issue: Reporting company used your report improperly

I am a consumer, XXXX XXXX, previously XXXX XXXX, and I am writing this complaint today because EQUIFAX violated my consumer rights as well as invaded my individual privacy. I notified EQUIFAX on multiple occasions that they NEVER had my consent to furnish my consumer report to various institutions. They neglected to abide by federal law as well as protect my consumer rights! They furnished my consumer report to 7 institutions on XX/XX/XXXX and 4 other institutions on XX/XX/XXXX without my DIRECT consent or without permissible purpose. This caused damages to my consumer report and according to EQUIFAX 's erroneous " scoring '' they labeled my credit worthiness as " poor '' for having multiple " hard inquiries ''. I spent months disputing these negative remarks with EQUIFAX over the phone with multiple representatives all to which refused to. These representatives stated inquiries are factual information and must remain on the report for two years! I had no success getting these items removed from my consumer report or receiving documentary evidence from EQUIFAX of having my consent. On XX/XX/XXXX I decided to submit a CFPB complaint ( # XXXX ) requesting to have these items removed. I also reported the identity theft to the Federal Trade Commission because my information was in fact shared without my consent. I provided a copy of FTC report along with the complaint. On XX/XX/XXXX I received a confirmation by post mail from EQUIFAX stating that they had deleted the inquiries from my report. Over a year later! I am demanding that EQUIFAX be held accountable for the criminal acts they have committed. I am holding them accountable for being in violation of my consumer rights and defamation!! To simply mail me a letter stating these items were deleted does not excuse the fact that they caused damages for over a year! I am also demanding that these institutions be held accountable! They obtained copies of my consumer reports without having my direct consent prior.
Complaint sub-issue: Information belongs to someone else

The XXXX  XXXX XXXX  AKA Total Visa  Card had a card opened fraudulently in my name. It appears on my credit report. When I contacted them about removing it, they added an additional file with a collections account with XXXX XXXX XXXX. I now have two fraudulent lines on my credit report.
Complaint sub-issue: Information belongs to someone else

There are Accounts and inquires on my credit report that do not belong to me. I need these items deleted from my file. The accounts I need deleted are listed in this report and on the attached word document I have enclosed. I did not make these charges and I ask that these items be deleted as soon as possible to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission, and I have included copies of my Federal Trade Commission Identity Theft Affidavit. Please delete these items and correct my file as I am trying to purchase my house, I have been living in for the past 15 years The only thing stopping me is the inaccurate accounts and inquires listed on my credit report.
Complaint sub-issue: Trouble with how payments are being handled

I called about my first refund request on XX/XX/XXXX and have seen people who put in get theirs way after me. Reps have told me different things. I was told I was on the old system so the one guy I talked to said they changed it to a new system and would probably better to resubmit. But then told me I'd have to wait maybe another 60 to 75 days. I don't understand why I wasn't informed of that earlier. Either way I want the refund to come before XXXX or next year. I've already been waiting at least 50 days before I had to resubmit my request. I resubmitted the new request on XX/XX/XXXX. They said they recommended I resubmit with the new system. Either way this is ridiculous. I'm with great lakes servicer. My account ID is XXXX. The last payment I made was XX/XX/XXXX for XXXX and the reference number is XXXX. Please help me get this solved. I feel the us department of education should also be contacted about this issue which I've tried and got no response.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute, it came back verified by XXXX XXXX. I contacted lexis nexis and they have no information regarding the information that the credit bureaus said it was verified. Its also been longer than 30 days and I have yet to receive and response or updated credit report showing its been DELETED.
Complaint sub-issue: Account information incorrect

I am currently sitting in front of a banker that states I do not qualify for a free checking account because XXXX ranks my Credit score at XXXX. These actions against me are retaliatory and discriminatory. How is it other venues have my scores at XXXX additionally I just paid down my debts. A creditor removed a collection item 3 weeks ago sent it to the credit bureaus. XXXX still has it own there and lowered my FICO after getting notice my credit card bill was paid down. This is a common practice for them to do this. When an invalid debt is to be removed the either remove without notification and no increase in the score or lower the credit score then remove the negative item so the credit score never fully receives the increase it should. All one needs to do to verify this is look at the items I have disputed since XXXX where the creditor removed the invalid negative item and XXXX  and XXXX  specifically delayed the removal and never applied the proper score increase. XXXX  has hard inquiries on my credit and Ive not had any request for credit from XXXX XXXX XXXX lowered my credit limit in XX/XX/XXXX stating they received information from the credit bureaus. Nothing had changed on my credit. Both XXXX and XXXX reported me late 2 in XX/XX/XXXX for XXXX XXXX. Per XXXX XXXX they did not send anything to the credit bureaus because I was not late.
Complaint sub-issue: Account status incorrect

There is a 30 day late payment reported on my XXXX  and XXXX  report and a 60 day on my Equifax. I believe this report is in error. I have reached out to Disputes PO box provided by XXXX XXXX on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years.
Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue.

Contacted bank again that day, was told need to escalate case will hear back in 24 hours, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then tr
ansferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute.

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and
" we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be
connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.
Complaint sub-issue: Information belongs to someone else

Equifax refuses to acknowledge that I have Fraudulent inquires on my report even after disputes they refuse to remove. I have included fraud reports and they have left inquires such as XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 These inquires need to be removed under the FCRA identity theft terms.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

IN 2013 I wasn't working and had no means of paying my debt. I could not make payments and CITIBANK refused to work with me. They said I had to pay the minimum. At this time I also had other debt that I was falling behind in. Therefore CITIBANK sold my information to XXXX XXXX XXXX.XXXX who in turn hired attorneys to take me to court XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX UNITED STATES US. I did not receive a Certified Letter to let me know what was happening as they claim. Also CITIBANK refused to work with me. I could not afford the minimum and they offered no resolution, I was in dire straits. I'm XXXX years old and am still paying for debt that I had back then. I've worked hard to clean up my debt and this CITIBANK DEBT was from XXXX until it was sold to XXXX XXXX.XXXX  who again sending me amounts of payments which I could never afford. They destroyed what credit I have worked to improve and with my not having more years to work and will retire with nothing but Social Security as my main income, I am besides myself that now I am being sued by their attorneys.As I said there isn't a record of phone conversation to CitiBank with me imploring them to be patient with me. There wasn't anything except monthly bills and a collection agency XXXX XXXX.XXXX and now a law suit threatening me that they are bringing me to court and have a judgement against me for the amount of XXXX.I hope that the XXXX XXXX XXXX by CITIBANK be investigated along with XXXX XXXX.XXXX and a reminder to XXXX XXXX ATTORNEY I did not receive a certified letter. The Lawsuit was lying on the cement step of a front step which i hardly noticed. No signature required of accepting, just a flat envelope on an entrance I never use.
Complaint sub-issue: Old information reappears or never goes away

I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and XXXX XXXX and Equifax all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt was result of identity theft

Attempt to contact collector several time within months of XXXX until XXXX to have closed account due to fraud remove from my credit but I was told can't find account. called and spoke with someone diffferent and was told in XXXX it will be removed by XXXX however account has not been removed and unable to speak with anyone to confirm why.
Complaint sub-issue: Account information incorrect

There is still reporting on closed account from XXXX XXXX. Account was sold to XXXX in XXXX, yet credit bureaus are allowing the repetitive reporting as follows : 42 charge offs with XXXX, 3 charge offs with Equifax, and 7 charge offs with XXXX. Please review attached screenshots from each credit bureau updated on XX/XX/XXXX. I have disputed this with all credit bureaus, and it is relevant that the bureaus are in violation of FCRA 15 U.S.C. 1681i. In XX/XX/XXXX Equifax took the correct action and deleted account from credit report, and failed to provide an explanation for reinsertion as requested from me, the consumer. Please immediately assist with deleting account from all 3 credit bureaus in an effort to avoid litigation.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, fully authorize this investigation. I am a victim of Identity Theft & I have attached my FTC Identity Theft report. Please see the attached information and remove all the corresponding unauthorized information promptly within 4 business days.
Complaint sub-issue: Account status incorrect

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act STATE DEPARTMENT FEDERAL account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX and XXXX XXXX XXXX account # xxxxxx XXXX have 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: Account information incorrect

We completed a loan modification with XXXX XXXX quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted this company any times by mail and have not received any help or respond. Their customer service would not help take care of the UNAUTHORIZED negative inquiries reporting My credit report. The inquiries are listed as follows : XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX  XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX
Complaint sub-issue: Problem making or receiving payments

Every other friday for 11 years I have used PNC bill pay to send my rent. 2/3 last months PNC schedules my paycheck deposit in such a way that when my bill is paid first it overdrafts my account. They are taking the payment about 1-3 hours early the day prior to when it is scheduled. I never asked them to send it early, I wanted it the day i scheduled it. My paycheck usually is deposited around XXXX XXXX  every other friday and the payment is taken out around XXXX XXXX  the day prior. The excuse they use is the paper check has to be mailed " early '' to get there on time the day it was scheduled to be paid. So please tell me what USPS mail  service runs between XXXX-XXXX at night and how taking that payment at that time vs past XXXX-XXXX  the following day gets it there any faster?? They are using the deposit switcharoo to try to get overdraft fees out of their customers. Also how is it that for 130 out of 132 payments over the last decade this doesnt happen? But conveniently during a time of crisis in this country and people are losing homes and their livelihood they are making money any way possible to recoup the losses the have incurred due to covid.
Complaint sub-issue: Didn't receive enough information to verify debt

I have obtained a recent copy of my credit report and have come to notice that there are just a few outstanding collections that I have no verification and or validation from and have asked the CRA Equifax to take care of these issues for me.
The ones that are troubling are the medical collections in which may be violating my patient confidentiality and is a HIPPA violation.
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Certified letter has been sent to Equifax requesting the same.
Tracking number XXXX - Equifax Credit Information Services, Inc
Complaint sub-issue: Investigation took too long

The issue is that Equifax, XXXX, and XXXX have not removed information off of my report that does n't belong to me. I started this process with them in XX/XX/XXXX and it is XX/XX/XXXX. I have been more than patient. At this point I have obtained an attorney to start the process of filing a small claims case against all XXXX bureaus. There is information on my report that does not belong to me and I have stated that every month. At this point the Bureaus have stopped responding to me. This is their final chance to do right, by removing these items off of my report before they are contacted by my attorney. There are also several addresses on my reports that do not belong to me either. 
Attached to this complaint are word documents of each bureau with everything that should not be on there. Addresses included. It is my expectation that they remove the items after I have been disputing these items for 10 months. If not, they are facing a lawsuit.
Complaint sub-issue: Reporting company used your report improperly

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. Please remove these items from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a dispute with XXXX about 5 XXXX XXXX XXXX   accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 XXXX XXXX. XXXX    XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of  my disputes were updated on XX/XX/XXXX. These also show on my XXXX and Equifax report as well.