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

XX/XX/XXXX is a system that allows companies to view or have access to court records. A bankruptcy is considered a public record and anyone seeking knowledge of a bankruptcy should visit the court during business hours and pay a fee to view those documents. Under the FCRA my consumer report is private, it's not considered public record. There should be no reasons why a bankruptcy is furnished on a private consumer report, it is illegal. I have reached out to all three major credit bureaus, experian, equifax, and transunion numerous of times and they have ignored my request to remove the bankruptcy furnished by a third party. Attached you will find a letter from the United States Bankruptcy court stating they do not report to credit agencies and they have no part in companies misusing the information obtained from public record. 
According to the law 15 USC code 1681 Permissible purposes. I never gave XX/XX/XXXX, equifax, norXX/XX/XXXX consent to report a bankruptcy on my credit report. No consent is considered idnetity theft and the bureaus can be fine {$1000.00} per violation under the law. Also, this information has ruin my reputation and that is a violation under the law as well.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ; XXXX XXXX ; XXXX XXXX ;
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, You have violated the law. Under the FCRA 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 instruction of the consumer to whom it relates. I the consumer never gave EQUIFAX any written consent to furnish a report or report anything on my consumer report, No consent is identity theft. A copy of the identity theft report is attached. As pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) to be paid {$1000.00} per violation by check, all violations are stated in notarized affidavit provided as an attachment
Complaint sub-issue: Debt was paid

I was involved in a vehicle accident in XX/XX/2019. I was not at fault for the accident, and all my medical bills were paid by XXXX. Instead of sending one bill sent several items to collection which were on one bill paid by the insurance company. I have attempted to contact AmeriCollect to correct this inaccurate reporting. However I have been unsuccessful.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

RE : dispute with XXXX Citi Card - XXXX  XXXX  claims an order was delivered but never was delivered. I have repeatedly provided XXXX Citi Card with proof of non delivery to me to no avail. In fact they have gone out of their way to outright lie to me claiming that documentation was never received by them when in fact they have admitted as such. Tracking clearly shows this was delivered to XXXX XXXX FL, I do not live there and have received nothing! Now dealing with executive response unit but this has been going on since XX/XX/2018. What has happened to this company? Its time to leave ... ... ... ... ... ... ... ... ....
Complaint sub-issue: Funds not received from closed account

I spoke with Discover reps yesterday, XXXX, was advised accounts are closed, checking account overdrawn in the amount of $ XXXX including returned item in the amount of {$690.00}. This item is a check issued from XXXX XXXX XXXX XXXX, mentioend in prior CFPB complaint ( XXXX ), a relative deposited check into account under his name. It appears the relative made a claim for this amount with issuing bank, XXXX XXXX, whom in turn investigated item and was returned back to them as of yesterday, XXXX. I spoke with a XXXX XXXX with XXXX XXXX to verify return, was told it was not returned, it was denied... I then reached back out to Discover, was told funds were returned to XXXX XXXX, which does not match up with information provided by XXXX XXXX
Complaint sub-issue: Indicated you were committing crime by not paying debt

My mother received a voicemail on XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX ( based in New York ). In the message was my information and a mention of a civil lawsuit, with charges of Malicious Intent to Defraud a Financial Institution, Theft, among other things surrounding a debt from XXXX. My mother brought this call to my attention. We both assumed it was a scam, but I wanted to follow up anyway, just in case. I had a plan to get enough information from them to verify that it was a scam and be done with it. 

On XX/XX/XXXX I called XXXX XXXX and he expressed concern about this debt, asking for my side of the story. He said that although my original loan was {$800.00}, interest and other charges brought my account up to $ XXXX.He mentioned that I would be being served if I did not pay a settlement of {$1800.00} today. Somehow he had a TON of details about this particular account of mine ( exact amounts, dates, my employer at the time of the account, etc ), enough to make me feel as though this attempt at taking my money was not a scam. I began to get upset and mentioned that I did not have that amount, but that I could possibly call a relative to help me. He asked for their name and phone number ( in case he needed to verify their information when they call ) and told me to call them. The call ended. 

While I was beginning to doubt my certainty that this was a scam, there were a ton of red flags still. So, now that I knew what account and company I was dealing with, I checked my credit monitoring service and then the company website itself ( XXXX ). I couldn't remember my login information with them, so I spoke with someone via live chat and explained that I wanted to make sure this debt collector was legitimate. The representative was extremely helpful and transparent and explained that they would never make threats of court or anything like that, and that this person was trying to scare me out of my money ( and way more than what I even owed ). They told me my loan had been sold off and gave me information for the actual company who now had my account. I was so thankful and glad I checked.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several disputes in the past to have the account under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, XXXX and Equifax to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, XXXX nor Equifax, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Complaint sub-issue: Problem getting your free annual credit report

Sent letter with attached application, copy of passport and utility bill to LexisNexis over four weeks ago asking for annual full file disclosure. 

I called on XX/XX/XXXX to ask for the status of my full file disclosure. 

They acknowledge sending it out USPS on XX/XX/XXXX and informed me it takes seven to ten days to reach me. That time has past. I still have not received the file.
Complaint sub-issue: Application denied

I called to report a card lost. The agent closed my account instead, without my authorization. In the time since, I have received multiple mixed messages. I was told that my account was close due to fail to reissue, that my account was closed because I closed it, and that my account was n't closed and I would get a new card i  n 48 hours.
I just got off the phone with a diferent manager and was told that the ban    XXXX   decided to close my card effective  XXXX  and that would not be reissued a new card.     I have been a customer with Citibank since   XXXX  . The multiple mixed messages, poor communication skills of the customer service representatives, and the arbitrary nature of detemining whether to reissue a card is unacceptable.
Complaint sub-issue: Personal information incorrect

i have contacted the 3 credit bureaus XXXX XXXX  equifax by phone numerous times last month in XXXX XXXX XXXX XXXX XXXX XXXX and asked them to remove several addresses that are not my addresses i even tried requesting they remove them on line also, and i also have let them know i have the right to privacy ( 15 usc 1681 ) and to have accurate information reporting they are violating so many laws and denying me my rights
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I have XXXX XXXX XXXX XXXXXX/XX/XXXX With XXXX  insurance. I have no clue. A few XXXX .. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ..XXXX XXXX XXXX XXXXXXXX ... XX/XX/XXXX ... XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX and XXXX XXXX Don't have these on my other buearous. This way to much. I was told I had a minor accident non fault on XX/XX/XXXX. It was not me. Now it's on my insurance. The insurance couldn't give me no information. NOW MY CAR INSURANCE IS HIGH. ON MY XXXX.
Complaint sub-issue: Account information incorrect

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX Unauthorized Inquiries : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX Equifax Unauthorized Inquiries : XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX an inquiry was made to my credit by CBNA and another to XXXX XXXX in DE on XX/XX/XXXX that I did not request or authorize. My assumption is that these were fraudulent attempts by some third party to open an account in my name since there were multiple inquiries to various companies on or around that date. No one at the card companies seems to be able to help me and keep forwarding me around to various departments. This was my second attempt to try and have this removed from my credit, Luckily no new accounts appear to have been opened but the number of hard inquiries is hurting my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I requested that Equifax delete all 22 inquiries on my credit report to be removed. I wrote a dispute letter sent certified mail and it was received on XX/XX/21. It has been over 30 days and they have not been removed. this is my second CFPB complaint I also called them on XX/XX/21 and spoke to fraud department and requested that they removed them. they stated they requested for all 22 inquiries be removed. they said it will take 3 to 4 business days to be removed and it still has not been removed. I informed them that filed complaint with FTC and CFPB.
Complaint sub-issue: Not given enough info to verify debt

I received a letter with the mailing address of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX - attached XXXX XXXX XXXX XXXX XXXX is the principal agent for XXXX, XXXX ; and I believe XXXX XXXX XXXX is XXXX in the same as XXXX XXXX XXXX. 

In Letter A, there is an offer to settle an unverified DEBT at XXXX % off with some company called JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX is acting as President and Chief Executive Officer of JEFFERSON CAPITAL SYSTEMS , LLC. ; and i believe XXXX XXXX is one in the same as JEFFERSON CAPITAL SYSTEMS , LLC. 

I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', one XXXX XXXX - attached Notice A. 

I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 

30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. 

On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. 

I believe Letter B is absolute rubbish. 

On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter C. 

I believe Letter C is an attempt to collect on an unverified DEBT sent through the Post Office, which is fraud. 

I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.
Complaint sub-issue: Debt was result of identity theft

I was alerted of an account that was sent to collections ( Procollect ) on my credit report. After further investigation I found that my social security number was used fraudulently. I called Procollect to find out what steps I needed to take to erase this fraudulent debt off of my credit report. I sent the documents they requested and after a couple of days I received a call about other documents that needed to be submitted. I asked multiple times which documents where needed so that when I listened to the call recording Id be able to double check and submit what was needed. I have sent the documents 3 times already and have not heard back from them. They are giving me the run around and this is not my debt.
Complaint sub-issue: Reporting company used your report improperly

YOU BROKE THE LAW Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation. Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ALL Bankruptcy information ref # s XXXX, XXXX, XXXX, XXXX, XXXX currently showing under XXXX XXXX and all variations of my name and social security number is to be PERMANENTLY DELETED, SUPRESSED & REMOVED from all consumer reports immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

I am  XXXX   XXXX   XXXX . This collection agency has put  XXXX   XXXX  and  XXXX  dollar charges into collections under  XXXX  different accounts. The first time I ever checked my credit report, I see  XXXX   XXXX  and  XXXX  dollar charges. I have never received a bill from a medical facility. If at any point I did owe, it would be under my parents. The time that this collection agency got the account I was just  XXXX . In order for anything to go into collections, it had to be delinquent for some time. I could n't have delinquency as a minor. I have never received a bill, a call, email nothing. I am requesting assistance in getting this removed from my credit file and having this company disciplined for erroneously reporting collections on my credit file.
Complaint sub-issue: Reporting company used your report improperly

In the Month of XX/XX/2022, XXXX XXXX XXXX Account XXXX XXXX Reported a late payment to my consumer Report, In accordance with the fair credit reporting act XXXX  account XXXX  has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on credit card account under an open consumer credit plan as late for purpose.
Complaint sub-issue: Information is missing that should be on the report

Credit ratings ( FICO Scores ) do NOT allow for those who have paid off mortgages, cars and continue to pay off charge cards monthly. This affects insurance costs daily! Adding additional debt should NOT be the way to get a better score. That's just the wrong answer. 

There should be some compensation in the credit score for those who are prompt with payments and who have had years of prompt paying. Credit for owing {$800000.00} in debt but having paid for it. 

Id like an answer from the Consumers Finance Protection Bureau on how many items connected to one 's FICO score can continue to increase consumer 's costs while their credit remains perfect. The WRONG answer is to ADD more debt. But that is what consumers must do to increase their score!
Complaint sub-issue: Information belongs to someone else

I am over Equifax and their lack of investigating anything. I have tried to get several things fixed and one of the main issues is my last name. I have sent them documentation showing my correct last name but no one is looking at anything!! They mandate I send proof with every correspondence yet they must not be reviewing what they are mandating. My last name is XXXX, not XXXX. The city I live in is XXXX. Just what does that say about anything they report? I have sent several and I do mean several request that they fix my name and they continue to send back wrong information. How can they get away with it? I am sending the same exact documentation I send to them each time showing MY NAME! If they have my last name wrong and continue to report it wrong, I'm wondering just how the heck are they able to validate anything?
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

On XX/XX/XXXX I called XXXX because of my credit score had drop they informed me that I had a collection of {$1800.00} from XXXX XXXX XXXX The orginal Company was XXXX XXXX XXXX for a move out fee I immediatly call both companies explaining I diid not received notice of this debt from either companies. I spoke to an agent on XX/XX/XXXX about this and they told me that I owe {$1100.00} after they did some deductions for a cleaning fee I said that was redicious amount for a cleaning fee etc. I lived there for 1 yr and paid my rent in full and didnt renew my lease in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and XXXX XXXX was included in my case.. I file chapter XXXX to clean my debt and start over to become a home owner again I have work hard for the past 4 yrs on my credit trying to fix things and make my score higher I was at XXXX even thoe i filled bankrupcty icontiune to make my payments on time an keep an accurate acount of my credit report each month I was victim of identity theft in XX/XX/XXXX and its been hard on me and my credit report. I paid all my debts and was collection free until this.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair act credit reporting act XXXX account # XXXX, has violated my rights. 

15 use 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Received bad information about your loan

This is in regards to my previous complaints. The most recent one is # XXXX. Citibank responded to my last complaint stating that they have not received my payment. I have a receipt showing that they did in fact receive my payment on XXXX XXXX, and it was received by XXXX XXXX ( see attachment ). My check was returned to me ( yet again ) on XXXX XXXX with a letter stating that they could not verify my correct account number. I checked the account number that I wrote on the check and it matches all of the documents that I have received from Citibank previously and the account number that I was using to make payments during my cosigner 's bankruptcy ( I can provide proof if this if needed ). If the account number has changed I have never been notified. Every time I call Citibank to discuss the loan they either tell me that I have a zero balance with them, or they have no record of an account with my information ( but refuse to give this to me in writing ). This makes me wonder whether or not this debt is even valid. I have made many attempts to pay this debt, but Citibank continues to make it impossible to do so. I keep getting false or misleading information about this loan from Citibank.