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

My information was leaked due to negligent care taken to protect sensitive customer records. As a result I have had at least one fraudulent account opened in my name and now need to check constantly for additional cases of fraud. Equifax failed their duty to customers and this case of gross negligence is absolutely unacceptable for a company of their size and stature.
Complaint sub-issue: Debt was paid

Good afternoon, I received a call from two phone numbers today. First, XXXX, stating her name as XXXX and that I was on her list for being served in the next two days. She left me a number to call back, XXXX. When I did, I spoke with someone named XXXX, XXXX, I couldn't quite understand her name. She had my full social security number, full name, and stated I owed over {$3000.00} to US Bank and that I would be served, sued, and even possible jail time in the next two days. She also  mentioned that the previous call from " XXXX '' shouldn't have happened and it must be her " first day on the job as we were not supposed to hear from her, it was just supposed to be a surprise when my paperwork showed up. '' What?? Not my kind of surprise. I haven't held an account with US Bank in close to 7-10 years. I do not have any delinquent accounts with this company. When I asked her to state her name and place of business again, she claimed she worked for XXXX? And that they barely make any money off small accounts like mine, it was mostly big real estate deals, and then she said she would see me in court and hung up. I am concerned because of the information she had about me. This is just ludicrous.
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 comsumer rights to privacy and confidentially under 15 USC 1681. 
ACCT # XXXX DEPT OF ED/XXXX XXXX # XXXX XXXX Bank ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX SXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXXXXX Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not XXXX XXXX wrong Social security XXXX wrong Address # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 15USC1681 section 602A states I have the right to Privacy.

15USC 1681 section604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 whivh antedates the report by more than seven years.

15USC 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: Was not notified of investigation status or results

I am trying to get a home improvement loan and the agencies are not removing old fraudulent & incorrect entries on my report. I requested removals several times both online and via mail. Many of the companies reporting fraudulent info had mail bounce back from XXXX with invalid address when I tried to contact them. 

XXXXXXXX XXXX - false medical debts on XXXX XXXX XXXX ( Equifax deleted it ) XXXX XXXX & XXXX XXXX- duplicate secured card accounts that were closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on all three agencies XXXX XXXX - secured card account that was closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on XXXX and Equifax ( TU deleted it ) XXXX court - this false information is still being reported even though I requested proof of their source XXXX times via mail. No response from XXXX XXXX XXXX. Equifax deleted it. 

Fraudulent inquiries from XXXX and XXXX that only appear on XXXX
Complaint sub-issue: Information belongs to someone else

Here is a summary of my interactions with the company XXXX over the past month. 
1. XXXX XXXX : XX/XX/XXXX, email sent to XXXX : " To Whom It May Concern : According to your records on XX/XX/XXXX, someone opened up several unauthorized accounts with XXXX while using my name, address, and personal information. I filed a claim with your claims department on XX/XX/XXXX. The address that these XXXX XXXX cards are being sent to is my old address and were forwarded to my current address. Today ( XX/XX/XXXX ), I received a second card with a different credit card number than the first one that was sent this past week. I would like to also file a claim against the second card that was sent to me on XX/XX/XXXX. 
Please stop sending pre-approved XXXX visa cards in my name. Finally, I would like for all accounts and the address on file to be flagged as 'FRAUD ' and 'IDENTITY THEFT '. Also, I filed a police report concerning both incidents. If you have any questions or concerns, please contact me directly. '' XX/XX/XXXX, phone conversation with XXXX : I called XXXX XXXXXXXX on the above date with a request to close the accounts and tag them as fraudulent. XXXX XXXX Claims Department stated don't worry the account would be shut down and tagged as fraud. 

XX/XX/XXXX, XXXX XXXX email received by XXXXXXXX XXXX XXXX  XXXX XXXX for XXXX XXXX stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$7500.00}. The lender, XXXX XXXX, is reporting this new account to the credit bureaus. 

XX/XX/XXXX, Credit Alert email received by XXXXXXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$4000.00}. The lender, XXXX XXXX, is reporting this new account to the credit bureaus. 

2. XXXX Here is a summary of my interactions with the XXXX XXXX over the past month. 

On XX/XX/XXXX, there was an inquiry of my credit by XXXX XXXX. However, such was not authorized by myself as I have never even been to a XXXX XXXX before. 

XXXX. XXXX XXXX Here is a summary of my interactions with the company XXXX XXXX through XXXX XXXX XXXX over the past month. 

On XX/XX/XXXX, I received an alert stating the following : " It looks like there's a new balance of {$300.00} on your Bank Card that you haven't use for 6 months or more. Please let us know right away if this wasn't you. ''
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2020 funds were paid to XXXX  XXXX for {$21.00} on XX/XX/2020 funds were paid to XXXX XXXX   for {$21.00} and on XX/XX/2020 {$59.00} was paid to XXXX I provided documentation to direct express that I canceled these accounts but direct express did not credit my account.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, I received an alert from XXXX that my XXXX XXXX has a negative change. When I looked into my Experian account I saw that a credit line I had never heard of had been opened in my name and was past due on payments. The creditor is XXXXDignifi , and when I contacted them I was told that I had opened the account in XXXX of 2022 and was past due on payments as of XX/XX/XXXX. I disputed that this was my account and they immediately closed the account to and said they were sending me paperwork about further disputing the fraud ( which has not yet happened ). XXXX also followed up with the company but did not resolve the issue or remove the negative account from my credit report. I also opened a police report with the XXXX XXXX police department on XX/XX/2022 ( report XXXX ). Also, while this dispute with XXXX was ongoing, someone hacked my XXXX account and changed all my personal information : email address, phone number, password, security question, etc. I believe I have resolved this with XXXX but it's clear someone had created a fraudulent account in my name and then tried to hide it from me. If it helps at all, the phone number that was entered in the XXXX system and which is not mine is XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX EQUIFAX VIA XXXX " XX/XX/XXXX/ XXXXXXXX " XXXX XXXX XXXX XXXX XXXX CA XXXX " XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax XXXX and XXXX, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 " XXXX XXXX XXXXXXXX Reporting 4 times 2 of them are duplicates.

" Student Loan " XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  shows late payments, this is inaccurate. I am in deferment and I have the contract renewal from that year showing I was not late. The laon company made an error and provided me proof I was not at fault for this The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.

I understand that under 15 U.S.C. Sec. 168i ( a ), you must complete the investigation within 30 days of this receipt of this request. Please send an updated copy of my credit report to the address above. I also request corrections be sent to any creditors who received my report in the last 6 months. Please also be aware that any negative mark found on my credit reports including Equifax from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must delete the entry.

Thank you for your assistance.

Sincerely, XXXX   XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a collection account and several inquires reported to my credit file that should not be reporting because i didn't authorize my credit to be pulled from these creditors.
Complaint sub-issue: Billing dispute for services

my account with XXXX XXXX XXXX kept showing disputed amounts that I called back in XX/XX/XXXX. I told them that these amounts were being disputed. time flew by and I never received any credits for this amount they eventually closed my account and still till this day I do not see those credits. XX/XX/XXXX {$7.00} ; XX/XX/XXXX {$3.00} and {$10.00} ; XX/XX/XXXX {$3.00} and {$10.00} ; XX/XX/XXXX {$7.00} ; XXXX XXXX {$7.00} and XX/XX/XXXX, {$10.00} ; and XX/XX/XXXX, {$7.00} and XX/XX/XXXX, {$10.00} XX/XX/XXXX {$10.00} and XX/XX/XXXX {$7.00}, XXXX XXXX {$10.00} & {$7.00} I called several times and somehow they don't understand my concerns maybe you can help resolve this. please
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I sent documentation the Equifax to remove items listed below from my credit report due to them being fraudulent accounts. Equifax claimed the accounts were valid, but after further investigation they are non-valid accounts and should have been removed. I sent another dispute letter along with my driver 's license and an FTC Affidavit to XXXX on XX/XX/2022 to have the items removed to no avail. In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # 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 Account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. There were several accounts that were excluded on the bankruptcy, but were filed to be dismissed. 

Today, I logged into XXXX  to verify the information that was correct and incorrect. 

I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.
Complaint sub-issue: Received bad information about your loan

Great Lakes response to my inquiry is unacceptable. I did not receive any at

tachment when they submitted a response. I did not know that the US dept of Education had made a decision on my borrower defense application. Great Lakes did not also notify me that the US dept of Education has denied my application. I was part of the Sweet vs. Devos lawsuit and I am expecting a detailed explanation of any d
ecision made.
Complaint sub-issue: Their investigation did not fix an error on your report

I has been over 6 months that I have submitted documentation to Equifax to have inaccurate information removed from my credit. I have repeatedly filed a complaint with this company. The inaccurate still remains on my credit. I have been hesitant to apply for a car and a place to stay because equifax is a major person in credit. On XX/XX/2019 I was approved for a place but I was considered a high risk due to equifax inaccurate reporting. I called and spoke with an Agent and her supervisort ( Agent number who could not verify me because I have 2 credit reports in my maiden name and married name. Equifax keeps telling me its one account but I can not verify myself. equifax continue to mail me two in different names. 


I have contacted this office and found and nothing has been done issues on my credit report I was told should have been off a long time ago
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. They have violated my rights numerous of times. I demand these accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2018 XXXX XXXX ( XXXX, Texas. XXXX ) has us marked as a late payment. This payment was not late in XX/XX/2018. There was a 3 party call with my bank and XXXX. The late payment in XX/XX/2018 was supposed to be removed from all 3 credit reports for myself and my spouse.
Complaint sub-issue: Reinserted previously deleted info

CREDIT PLUS XX/XX/XXXX-XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance. 
We 're on it.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

This collection was previously disputed with the CFPB and removed from my report in the past. The company, XXXX, has now re-assigned this account to another collection agency and re-aged the debt. The debt was initially removed because the account was being reported twice. The account was re-add and a letter advising me that it was being re-added was never sent to me ( my first CFPB complaint that resulted in a removal of the account ). XXXX has now given the account to AFNI and re-added the remarks to my report with a start date of XX/XX/2018 for an account that was closed more than 3 years ago. A letter stating that the account was being added was not received. 

XXXX continually reassigns and re-age debts. The previous response from the previous collector has been attached.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed two California tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.
Complaint sub-issue: Information belongs to someone else

XXXX has the following information on my credit report and it is not correct : Shows an address of : XXXX XXXX XXXX XXXX   TX XXXX have never lived in TX XXXX XXXX XXXX XXXX  TX XXXX have never lived in TX Shows a collection account from : Hunter Warfeild, Inc.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX  

This does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OR XXXX This account was never late.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  This account was never late Shows an inquiry from : XXXX XXXX. I did not authorize this. XXXX. I did not authorize this. XXXX. I did not authorize this.

XXXX. I did not authorize this.

XXXX XXXX XXXX. I did not authorize this. XXXX XXXX XXXX. I did not authorize this.

XXXX/Pre-Owned. I did not authorize this.

XXXX XXXX. I did not authorize this.
Complaint sub-issue: Frequent or repeated calls

They have called my house today on a XXXX XXXX and wo n't stop. 

XXXX called - XXXX, XXXX, XXXX, XXXX. Phone number is # XXXX
Complaint sub-issue: Information belongs to someone else

I went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went a pulled my credit and there are some items that are not mine. I filed a report with the FTC and the police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of credit report below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX  XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXAsset Amount : {$0.00}.
Complaint sub-issue: Public record information inaccurate

lexis nexis reported to the three credit agencies that i had a bankruptcy in my name. i disputed this and they say its verified, but i go to the supposed court house that its with and they say two things. 1 they do not provide information to any third parties, 2. my name and social security and date of birth do not match any of their records. so how can they possibly be getting my information from the courts. they must maintain information through the original company for full socials and date of births.
Complaint sub-issue: Debt was paid

XX/XX/2017 i was billed {$60.00} by XXXX XXXX XXXX XXXX XXXX My deductible was met and i should never have been billed. I called insurance and problem was XXXX XXXX needed to fix something on billing. ( It was 5 years ago so i can not remember specifics ) i called XXXX XXXX several times to explain and make sure it was handled. ( XXXX XXXX XXXX ). I was told it would be handled. Since it was XXXX years ago i can not remember if i ever received a letter from collection agency. If i did i would have reached out to them appropriately and explain same. I called this agency bc of another issue ( which i will file complaint next on that issue ). This was brought up. I explained situation. Rather than resolve, they sent me a copy of bill " per my request ''. Not only did i not request, but this has been on my credit report without my knowledge and is not a valid charge to me. The collector was not interested in the facts. The XXXX is expired and this needs to be fixed and removed from my report.