Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent in certified letters to Equifax requesting that they investigate and remove derogatory account and they have failed to do so. The dispute that I open has already been completed. I have received no Validations from Equifax that the creditors provided to Equifax to validate and verify as accurate. As a consumer reporting agencies 15 U.S.C 1681a ( f ) they are governed by the Fair Credit Reporting Act 15 U.S.C. 1681, which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Their investigation did not fix an error on your report

Good Morning I am submitting an Complaint that I have with Equifax regarding XXXX XXXX this company is reporting a plethora of 30 day lates and two 60 day lates on my credit file, I disputed with 609 letters, citing unverified lates reporting however it always came back as verified with Equifax. I suspect XXXX auto verification is being used because when Equifax was responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. They also stopped responding, that allows me to take legal action. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive. They are as followed, XX/XX/XXXX ( 60 day late ) XX/XX/XXXX thru XX/XX/XXXX ( 30 day lates ) XXXX XX/XX/XXXX to XX/XX/XXXX ( 30 day lates ) and a 60 day late for XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information is not mine

their is an address of XXXX, Md XXXX that does n't belong to me! i have never lived on that street or in that location. 
would like for it to be removed also discover account that is open and i 'm an authorized user! i have no clue! 
thank you
Complaint sub-issue: Frequent or repeated calls

Citibank continuously harasses me ( XXXX calls per day ) whenever my minimum payment is 2 weeks late until it is paid. This is completely unreasonable. I will be filing a written request with them to stop the calls as I use my phone for work and it is interfering with my ability to pay them. There is absolutely no constructive reason for these calls.
Complaint sub-issue: Their investigation did not fix an error on your report

Since 2017, I have repeatedly filed disputes on unauthorized inquires made and an account which is not mine. I have personally called Equifax many times and was told that they could not do anything about the situation even though there is a Legislative Security Freeze on my information. All the companies have been notified in writing with no response from any. In addition, none of the companies have contacted me before acquiring my information for verification. To this date, the information still remains on my credit report.
Complaint sub-issue: Account status incorrect

I paid off the XXXX XXXX loan, and it says my balance is $XXXX yet on the report it says charged off, and not as paid in full.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX year of 2021 i received notice that a change to my credit has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the face that it just increased 98 points just back in XXXX. XXXX  XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my report because of the investigation I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low that is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing?
Complaint sub-issue: Not given enough info to verify debt

XXXX is attempting to collect a debt from me that I never establish a contract with this company nor do I owe any money to this company they are violating the FCRA and placed negative reporting on both my XXXX and XXXX reports for amounts of XXXX and XXXX. This debt is not collectable. These student loans were consolidated and I was never late.
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$11000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$37.00} FCRA violations : inquires not mine XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on  XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Information belongs to someone else

A XXXX XXXX  credit card was opened in my name 8 years ago. I have called XXXX XXXX   XXXX who is also on my report as XXXX XXXX XXXX. I have sent affidavit letters, phone calls and have made complaints to Equifax and still after a year I have no resolve.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be removed according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Complaint sub-issue: Account status incorrect

I have requested debt validation several times with no response from XXXX XXXX XXXX regarding an account that they bought from XXXX XXXX acct # XXXX. I do not have any knowledge of this account and I would like them to provide a written contract with my signature that proves that this debt is legal and binding.
Complaint sub-issue: Information belongs to someone else

Recently, I've grown an interest in monitoring my credit. I am ready to purchase my own home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these negative items from my report, they are indeed fraudulent and do not belong to me.
Complaint sub-issue: Information belongs to someone else

I own a small incorporated business XXXX XXXX XXXX XXXX ( state of MA ) and the credit reporting bureaus Equifax XXXX XXXX XXXX are reporting my business as being under a parent company XXXX XXXX XXXX  XXXX ( state of MA ) which is a totally separate business and entity - I cant set up accounts under my own company due to another company being listed as the parent company. I have a copy of Equifax credit report showing this.
Complaint sub-issue: Unexpected increase in interest rate

I am receiving a Six Month Fixed Rate of 8.99 % and then it goes back to Prime + 16.74 % ... I do have a excellent credit score of XXXX ...
Complaint sub-issue: Account information incorrect

My credit report is showing a {$4800.00} balance for CBNA. We do not have a credit card for this company. I filed bankruptcy several years back and all of my credit card debts were dissolved. I have not opened or put purchases on this card. I have no idea what it is.
Complaint sub-issue: Used obscene, profane, or other abusive language

I recorded Regional Acceptance Corporation 's abusive phone calls to me. 
Fri, XX/XX/2016, XXXX XXXX  to me First Threat Call Since Predatory Loan, my fighting it and being charged off. 
The above listed is the e mail storage of the second round of calls and my notation. The first round of calls and my confronting them with the fact that " at XXXX per call that I could continue to record them and use that to pay the car off '', was the reason that management agreed to let me make " good faith " payments in the first instance. 
The company responded deceptively regarding this in an earlier response to CFPB.
Complaint sub-issue: Their investigation did not fix an error on your report

My credit card from XXXX XXXX was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over 100 points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello, I am a client of the Master card that XXXX offered me through Citibank, since XX/XX/XXXX an amount of {$950.00} dollars appeared on my invoice, I called to report that I was not responsible, I received after so many calls claiming I received this check send them my driver 's license to verify that it is not my signature and they have not solved anything yet, please ask for help in this matter I also see strange movements that have been charged without justification, if they see now they are {$950.00} the charge of the check, and I ask why it now adds {$4.00} more and they do not give an answer, Here I include the Check, the statement that appears {$950.00}, my license as proof that it is not my signature. 
The account number is XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Thank you!!!
Complaint sub-issue: Account information incorrect

XXXX  and Equifax both incorrectly reported that my SYNC account had an increase on my balance which it did not and has actually had TWO payments in the month of XXXX and XXXX. This incorrect reporting caused my credit score to go down!
Complaint sub-issue: Account status incorrect

Equifax  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Debt is not yours

I am a federally protected consumer and I.C. System, Inc has violated me under the provision of 15 USC 1692. Please review attached documentation.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX   XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

Hi, I signed up for a promotional credit card with a zero percent promotional interest rate for a fixed period of months with no interest on purchases and balance transfers. As I reviewed my statements Citibank has been illegally charging me interest on the zero-interest card.
Complaint sub-issue: Other problem getting your report or credit score

Can not create an account on Equafax and XXXX I do not have a smart phone and need one to get into these companies.

I did my best to verify my ID and it's still not good enough when I pass security questions. I also tried to buy services and could not buy even with my credit card.
Complaint sub-issue: Reporting company used your report improperly

XXXX report number XXXX XXXX XXXX account number-XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - account XXXX XXXX U S DEPT OF EDXXXX- account # XXXX XXXX  XXXX XXXX XXXX  - account number- XXXX XXXX XXXX XXXX-account number-XXXX XXXX XXXX XXXX- account number-XXXX XXXX XXXX- account number-XXXX XXXX XXXX  account numbers- account # XXXX XXXX XXXXXXXXXXXX XXXX XXXX-account number XXXX XXXX XXXX- account number XXXX Please investigate if every piece of information is correct They violated my rights under 15 U.S.C 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive s my dispute They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( l ) ( ii ) .The law clearly states if items are found inaccurate or can not be Verified the consumer reporting shall promptly delete the information from the consumer.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leading subprime auto lender, will pay {$11.00} XXXX to settle claims that it misled customers about the. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
XXXX XXXX : XXXX XXXX credit card holders who had debts released in a Chapter XXXX bankruptcy, can get cash from a {$10.00} XXXX class action settlement. 
XXXX
Complaint sub-issue: Information belongs to someone else

I have repeatedly submitted complaints and disputes with Equifax. I have submitted the necessary documents for my complaints and disputes. The response was the the information was " deleted '' this is FALSE. THE COMPANY HAS LIED. This has been going on for months.
Complaint sub-issue: Received bad information about your loan

On XX/XX/2021 I contacted Great Lakes Borrower services to get information on compassionate reconsideration for late payments on a previously defaulted XXXX XXXX # XXXX. I was instructed to mail in supporting documentation and did so. I sent corroborating documentation showing not only was I on XXXX XXXX XXXX from work during the timeframe of the delinquency but I was also XXXX and without a working phone. This was shown in email correspondence with case workers from XXXX XXXX XXXX XXXX that they received a message that my phone was out of service when they tried reaching me. Great Lakes Borrower services agents told me that notification was mailed to my address that my loans were in danger of being transferred to collections but od be evicted from my apartment and therefore could not have received that notification. During the time I was XXXX I did contact Great Lakes Borrower services to try and apply for payment relief but was told there were forms that needed to be submitted to prove my financial circumstances had changed but without a permanent address because of XXXX or working phone or valid identification this was impossible given that correspondence would need to be submitted either by fax or scanner or email none of which I could afford since these services are not available free of charge in the city where I live. After submitting these documents I was told that even though the documentation proves my financial circumstances would have qualified me for relief since they were not submitted prior to the loan default then no consideration would be given. I asked why that might be an was told that rule was at the discretion of the Department of Education. On XX/XX/2021 I contacted the Default Resolution Group on behalf of the US DEPARTMENT OF EDUCATION and was informed by a supervisor that no such policy exists and that sole discretion of compassionate reconsideration of late payments was completely up to the loan servicer. Im asking that my case for reconsideration be given based on the merits of the information I submitted and not a nonexistent policy supposedly put in place by the department of education. Ive attached all the documentation sent to Great Lakes Borrower services.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In mid XXXX my Citi credit card bill showed charges for XXXX services. I called Citi and disputed the charges. I informed them that I have never used XXXX. They closed my account and issued a new card. I did not use the card for some time and when i looked at my online statement three weeks later there were now nearly {$5000.00} in XXXX charges. I called to ask how that could happen. They admitted that the charges had occurred on XXXX XXXX and that they had automatically updated my card number on XXXX XXXX  and that they had deals with merchants like XXXX and had updated XXXX autopay with the new number. I again informed them that I have never used XXXX and do not have an account with them let alone an autopay. I disputed every XXXX charge. They again closed my account and issued a new card. A week later i received a letter reminding me to update my XXXX autopay because there were charges pending. I again checked my online statement and discovered that less than half of the XXXX charges showed as under dispute. On XX/XX/XXXX, I received a letter stating that since my phone was in my possession there was no fraud in I owed XXXX.. I again called them and again told them that I do not have an XXXX account. On XX/XX/XXXX I received another letter stating that since my phone was in my possession there was no fraud and now I owe {$5400.00}. Interest charges are accumulating and my credit score has already dropped fifty points. The letters also state that if i do not pay they will report to all three credit agencies that my account is past due. They have also repeatedly refused to tell me where the XXXX charges occurred. This is the treatment that i get after being a Citi customer for 29 years.
Complaint sub-issue: Reporting company used your report improperly

FedLoan Servicing reported me. in XXXX of 2020, 90 days late on TEN Accounts without written, telephone or email notification. 
Attached is a letter describing the events. The letter was sent to FedLoan Serv.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

On XX/XX/XXXX at XXXX I received an email from my brokerage informing me that they had received a Writ of Garnishment for XXXX from Ray Klein , Inc. dab XXXX XXXX XXXX XXXX I was blown away as this was the first time I had been notified of any debts with a Ray Klein , Inc . I immediately contacted my legal membership and had an attorney pull and review the file. He told me that the file did look like a legally obtained judgment obtained by default on XX/XX/XXXX. He told me the original debt was a series of accounts totaling {$2000.00} back in XXXX. He told me the collection company had hired an attorney and I should contact the collection company in an attempt to remedy this. I did contact Ray Klein , INC . They told me the only way to remedy this was to pay the amount in full and that due to interest the amount was now {$9000.00}. I requested proof that this was even my debt and proof of service and they told me that they did not have to give me anything. A few days later I went to the local courthouse and got a complete copy of the file. A man named XXXX XXXX, process server, for XXXX XXXX XXXX, XXXX. swears under oath that he personally serviced me at XXXX on XX/XX/XXXX to an address that I did not reside. On XX/XX/XXXX XXXX XXXX XXXX XXXX denied a motion of default, due to documentation not meeting requirements of court rule 5.061 ( 6 ). Then there is a default judgement entered. Now a Writ of Garnishment for $ XXXX more money. The file seems poorly put together legally. I'm very angry that I was never properly served and no other notification to me in nearly 10 years. I'm sure Ray Klein, Inc. gets away with this type of practice often as in my search for  answers regarding this matter I have come across other consumers who have fallen victim to this same method of garnishment.