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

I XXXX XXXX wrote Equifax on XX/XX/2022 informing them that they were in direct violation of 15 USC 1681b ( a ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. Below I will list 19 accounts that are listed on my Equifax consumer report that I did not provide written consent for them to furnish on my consumer report. I demand for Equifax to remove these accounts from my consumer report but yet they are still listed. I demand that Equifax remove these inaccuracies from my consumer report. If they are not removed I will not extend my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By Equifax allowing these inaccuracies to be furnished on my consumer report it has caused me to lose confidence in the banking system. If Equifax wants to continue doing business with me. They should delete these inaccurate accounts from my consumer report. DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-5XXXX67, DEPT OF EDXXXX, DEPT OF EDXXXX.
Complaint sub-issue: Investigation took more than 30 days

sent 609 and 611 letters to original creditors and all 3 credit bureaus for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies. 

Also the account been closed for about 3 years, then re opened 2 months with out my knowledge, and never been alerted that it will be reopened
Complaint sub-issue: Personal information incorrect

I have sent - faxed and mailed a copy of my DL, proof of address numerous times and Equifax has not updated my address or employer. It has been over 30 days. In addition, I faxed, mailed a copy of my bankruptcy discharge paperwork and they refuse to report the bk on my credit report. This has been the worst company to deal with. I just received an email that my dispute results are complete, using the 10 digit confirmation # it is all of a sudden saying my information does not match their records and will not allow me to view my results. This is a failed attempt on their part to meet the 30 day requirement but not update the information.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not take the proper steps to protect my personally identifiable information contained in my credit report. As a result, my SSN, DoB and full address have been compromised by malicious actors. Equifax did not take seriously their security responsibilities and now up to 143 million Americans may suffer as a result. Equifax must be held accountable for this lack of security and issue appropriate compensation to all affected parties.
Complaint sub-issue: Didn't receive enough information to verify debt

Inaccurate, wrong and hurtful information reported by this company. I have never done business or have a contract with XXXX XXXX XXXX XXXX to be reporting anything on my report. Nor have I gotten any form of communication stating that they are going to report negative information without a signature or validation from me stating that I owe {$400.00} on my credit report to all three bureaus. Which I find that is a violation of the FCRA laws. At this point I would like them to produce documents with my original signature stating that I give permission for XXXX XXXX XXXX XXXX to report negatively on my report. If no original contract, validation and signature can not be produced I demand them to be removed from all 3 of  my credit reports XXXX, XXXX, and XXXX   immediately and not sold to another company.
Complaint sub-issue: Reporting company used your report improperly

- Equifax used poor IT security policies that resulted in personal information about my XXXX, my wife and me getting leaked to criminals. 

Facts that indicate gross negligence ( and not that they were just a victim of sophisticated criminals ) : - The method that the hackers used was a an issue that was resolved two months prior and was known to the cybersecurity industry : XXXX XXXX XXXX XXXX The company has a culture of incompetence in the cybersecurity department. Using " admin '' as username and password for example : XXXX XXXX XXXX - The Chief Information Security Officer is unqualified for the job with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above facts show that the company is willfully negligent in protecting the personal information of American citizens, and not just that they are victims of hackers. 


Personal Impact to me and my family : Spending hours on the phone with the agencies to set up a fraud alert Spending hours on the phone and mailing documents to set up security freezes Spending many hours over the rest of my life to unfreeze and refreeze accounts every time I need to apply for credit Spending money and time taking steps with the IRS such as early filing to ensure that nobody files taxes using any of our SSNs. 

Spending many hours and hundreds of dollars per year for the rest of my life constantly monitoring reports for identity theft
Complaint sub-issue: Account status

The company XXXX sold my account to a collection agency by the name of XXXX, XXXX XXXX ( XXXX XXXX XXXX ) and I paid the account off through that agency on XX/XX/2016 in the amount of {$240.00}. XXXX XXXX has updated that info and removed it from my credit report while XXXX refuses to update the account nor remove it. I have spoken to reps with XXXX and they wont even listen to me. This account needs to be updated in their system and also removed from my credit report just like the company that they sold my account too.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My XXXX 's credit card was stolen, compromised and used to make fraudulent charges on XX/XX/21 in the amount of {$1100.00}.
Complaint sub-issue: Information is not mine

I was in a XXXXin a XXXX when this accured. This is over 7 years old. Please send me more info on this. My sister had all my credit cards when i was in the hospital at XXXX XXXX XXXXXXXX, XXXX am disputing it Because I dont know anything about it.
Complaint sub-issue: Received bad information about your loan

I have received paperwork where XXXX is threatening wage garnishment formerly Nelnet, Since I do not have access to a phone during their available working hours, I sent a long detailed letter and financial information to them that they requested using the forms available to me on their website. All the information was provided to them by the date requested in order to set up some sort of payment arrangement. They have not sent me a statement that shows the amounts owed and why? I requested in writing for an itemized information regarding what is owed, including the payments I made in the past including the taxes they garnished from me in XX/XX/XXXX and XX/XX/XXXX filings.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have previously filed a complaint against Discover. I am getting this as a response from them : Executive Office of Discover Financial Services Tue, XXXX XXXX, XXXX XXXX  ( 18 hours ago ) to me Dear XXXX XXXX XXXX : Thank you for your correspondence to the Consumer Financial Protection Bureau and the Office of the Arizona Attorney General. To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to discuss your concerns, please feel free to contact me at XXXX, weekdays from XXXX XXXX to XXXX XXXX, ET. 

Sincerely, XXXX XXXX I have called Discover at this number well over 50+ times. I am never able to get a hold of XXXX XXXX. I have called from different phone numbers, I have sent e-mails, I have sent written correspondence to Discover and to XXXX XXXX 's attention, no response. Discover has flat out advised me they will not assist me because I contact the CFPB. Where is the oversight? Where is the accountability for this company to act illegally, unethically, and flat out rude and deceptive at every interaction at every level within this organization.
Complaint sub-issue: Information belongs to someone else

A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX   XXXX XXXX {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX   {$5100.00} XXXX XX/XX/XXXX XXXX XXXX* {$650.00} XXXX XX/XX/XXXX *XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I previously submitted a compliant under case # XXXX. Ally did not address the concerns in my letter in the reply they submitted to the the CFPB : 1. The reply did not explain why the charge-off on the account was reported as of XX/XX/XXXX for over a year, and why it was changed to XX/XX/XXXX, after my dispute was filed in XXXX of XXXX. 
2. The response states the date of first delinquency reported to the credit bureau was XX/XX/XXXX, and claims that the change made, did not affect how long the information was to remain on my credit ; however, the information that I submitted, shows that the account was listed to remain on my credit file until XX/XX/XXXX prior to the update Ally made to the credit bureau, and afterward, it shows that it remains on my credit report until XXXX of XXXX ( see attachments originally submitted and included again herein XXXX. 
3. Additionally, the payment history included in the reply shows the account was dispositioned from the primary system of record on XX/XX/XXXX, which means the date submitted to the credit bureau is incorrect. 
4. Finally, the payment history shows that this amount was owing as of XX/XX/XXXX after the lease maturity occurred on XX/XX/XXXX ; therefore, the last day of payment should actually be XX/XX/XXXX. Ally needs to correct this error in reporting of the details of this account.
Complaint sub-issue: Can't temporarily delay making payments

Sallie Mae student loans taken out during pandemic affected my gpa and status to receive federal student aid eligibility. Cant afford to pay what they are asking and co-signer wont be released without graduating. Changing in learning during and following pandemic has shifted my future plans regarding higher education.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX & XXXX XXXX of 2018 I received my credit profile from a mortgage lender ( XXXX XXXX  ) which included errors. My first thought was that the error was just a mistake, but when the second file had the duplicate entry I filed the dispute. Credit Plus is the credit report provider for mortgage companies and I am having a difficult time receiving information. I called twice on XX/XX/XXXX to follow up on my dispute and was cut short by one representative that was rude and not helpful. I emailed this company twice and was told they have to wait for the manager to assign the case to a representative. How long does this take? No one has acknowledge my request yet. This inaccurate information is having a negative impact on my credit and score. I checked my three reports with the major bureaus and do not see this duplicate entry ( XXXX XXXX line of credit ). This makes me believe that this Creditplus mortgage report is the one reporting incorrect information. Additionally, the mortgage company had to run my credit twice which has caused my score to decrease. I asked the company before filing the dispute if they will provide a new report and accurate score once complete and they stated no. The only way to regenerate the credit and score is to pay. Why am I being penalized for these companies reporting this improper data? I am in the process of getting a mortgage and this is hurting my chances of obtaining a mortgage.
Complaint sub-issue: Public record information inaccurate

Child support is still showing on my credit report, however the credit agencies should not be reporting such .Reason being is I have a court order inwhich states these facts.
Complaint sub-issue: Deposits and withdrawals

I would like to link my personal PNC checking account to the XXXX XXXX Savings program and apparently PNC doesn't allow that. Currently the interest rate with them is .56 APY and I want to jump before this goes away. Please advise.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX   Date of Inquiry : XX/XX/XXXX The above listed inquires are fraudulent I have contacted all creditors listed and they have all failed to provide me with documents bearing my original signature.
Complaint sub-issue: Report improperly shared by CRC

I applied for a car loan with XXXX XXXX on XX/XX/2015. Which they did a hard inquiry. Checking my credit report after that, because I changed my mind to trade my Jeep in. I saw Credco did another HARD INQUIRY! On XXXX XXXX, 2015 for XXXX used Cars XXXX XXXX XXXX ( XXXX ) XXXX. I DID NOT AUTHORIZED THE SECOND INQUIRY ON XX/XX/2015
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has all 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 an account without my written instruction.

15 U.S.C 1692C States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received my XXXX  report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from factortrust on the behalf of XXXX XXXX XXXX .... and all the inquires are not done by me or nor I do business with these companies there one for discover bank on XX/XX/XXXX I didnt apply for check card and I didnt apply for XXXX credit on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX  on XX/XX/XXXX I didnt apply for XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. These items are not transactions conducted by me as the consumer. 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 XXXXXXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXXDate of inquiry XX/XX/XXXX
Complaint sub-issue: Debt is not yours

XX/XX/XXXX/ECMC is reporting false and inaccurate things on my credit report. They sent me a promissory note stating that I signed on it. I have attached the promissory note there is no eligible signature on there. There are just letters. This is not my account. Looking through the promissory note you can clearly see that there are other false and inaccurate information which is a violation according to 15 USC 1681. I attached the response that they sent me on the CFPB. I highlighted all my responses throughout this response. ECMC response violated many different laws. This is not my account this is inaccurate information on my credit report. Any inaccuraries on my report should be removed off of my consumer report. Any inaccurate or unverifiable information should be deleted off my credit report immediately according to 15 USC 1681 5 ( a ) ( 1 ) immediately! I have attached the promissory note, affidavit of Truth, ID and SSC, cease and desist letter.
Complaint sub-issue: Problem with fraud alerts

On XX/XX/2017 I received a letter from equifax stating that an initial fraud alert was placed on my report per my request. I have never contacted equifax and requested a fraud alert put on my account. They also said that they are forwarding my fraud request over to XXXX and XXXX.
Complaint sub-issue: Investigation took more than 30 days

About two months ago I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the investigation started XX/XX/2020. It has been over a month and I have not received a response to the dispute letters.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not consent to, authorize nor benefit, from any of the following inquiries. Block and remove the following that's on my 604 letters.