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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

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
Complaint sub-issue: Reporting company used your report improperly

FactorTrust is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Complaint sub-issue: Information belongs to someone else

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX : XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00} EQUIFAX XXXX XXXX. XXXX XXXX XXXX : {$8500.00} XXXX. XXXX XXXX XXXX : {$4200.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX. XXXX XXXX XXXX : {$2600.00} XXXX. XXXX XXXX XXXX : {$3100.00} XXXX. XXXX XXXX XXXX : {$1200.00} XXXX. XXXX XXXX XXXX : {$1000.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00} XXXX. XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$7600.00} XXXX XXXX XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$8500.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2600.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3100.00} XXXX. XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00}
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX from my credit report due to inaccuracies. Within the allotted 30 days, I received response that it has been verified. XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ). 

As of today, XX/XX/XXXX, I have received no response to the verification request.
Complaint sub-issue: Information belongs to someone else

I am writing to you regarding fake inquiries I have in my credit report. I have never gave any company any permission on these inquires. They are not mine. PLEASE REMOVE THEM ASAP! I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me?
Complaint sub-issue: Not given enough info to verify debt

Greetings. I am writing because in attempting to settle a cellular phone debt with Enhanced Recovery Corporation and credit card debt with XXXX XXXX, I was told by both debt collectors that they could not provide me with proof of the debt in writing. I am being called constantly to settle the debts however feel that I should not be forced to pay without receiving proof that they own they debts as well as the terms for settling the debts. I 'm just being told to pay up and then it will be reflected on my credit report. I am requesting assistance with this matter. 
Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of i tems which do not belong to me or were opened without my permission. 
XXXXXXXX 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 Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX, XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ' XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$740.00} XXXX XXXX XXXX XXXX  .... Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ' XXXX XXXX XXXX XXXX XXXX XXXX Date filed XXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX ' According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX  ], to protect my privacy and medical records from third parties. I do not recall giving permission to I XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AMERICOLLECT # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AMERICOLLECT # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
Complaint sub-issue: Information belongs to someone else

i recently pulled a copy of my credit report and noticed accounts i did not open
Complaint sub-issue: Public record

Equifax has placed on my credit file voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX. It is Equifax position a " Dismissed/Discharged Chapter XXXX Bankruptcy remains on the credit file for ten years from the date filed ''. Equifax needs to familiarize themselves with 15 U.S.C. s 1681c s 605 ( a ) ( 1 ) regarding the statue of limitations on bankruptcies. 

( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information. 

( 1 ) Cases Under title 11 or under the bankruptcy Act that, from the date of entry of the order of relief or date of adjudication, as the case may be, antedate the report by more that ten years.
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX XXXX {$59.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$1300.00}
Complaint sub-issue: Unable to open an account

Will not let me connect PNC account information to XXXX.
Complaint sub-issue: Investigation took more than 30 days

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED NINE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Complaint sub-issue: Didn't receive enough information to verify debt

I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

XX/XX/XXXX a purchase was made with my cash app card, for {$1000.00} at liquidators XXXX. I tried reaching out to Cash App for 2 weeks straight calling and receiving due to covid-19 we have reduced staff. Finally weeks later they responded to email saying I needed a police report. I called XXXX Police Dept. 3 times to be told I would receive a call from an investigator. At no point has Cash App offered to help me in anyway or credit my account while they investigate. Please help.
Complaint sub-issue: Information belongs to someone else

these companies are coming up on my credit report as a hard inquiries. 
I never had any communication with these companies. I would like some help reaching out to theme I've tried numerous time to get in touch and haven't had any luck. All these companies show the same month and very close dates.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I explain to the debt collector that the account they are trying to collect was opened fraudulently by another person using my data. I have challenged the account with different Credit Bureaus explaining the situation and they repeatedly refused to delete this item. I have no option but to report them in order to seek for a more positive outcome.
Complaint sub-issue: Reporting company used your report improperly

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX. Inquiry Date : XXXX XXXX, 2020 - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 - Unauthorized inquiry by Identity Theft
Complaint sub-issue: Indicated committed crime not paying

XXXX from XXXX, or Consumer First Management XXXX has been continuously contacting me about a debt that I apparently owe from 10 years ago. He continues to call from a different number every time, one time it was an XXXX number, the next it was a XXXX number and the last time was from a XXXX number XXXX. I asked him about the debt that I owed and he said that there was mail that went to my house and I never responded to it. I never got a letter from his company and didnt throw anything away. He stated that it was sent and that he could not get me any paperwork showing what I owed as he would have to file a judgement against me in order to obtain that paperwork. He gave me the file number for the case and said that if I wanted to call the company that it came from I would need to get ahold of them and find the original paperwork. I did get a hold of them and they dont have record of it as it was over 5 years ago. He keeps telling me that it is going to cost me a lot of time and money to resolve this. I am confused as to why I would be taken to court over something that is 10 years old, and over something that he can not and will not provide paperwork on. He has called me 7 times in the past week and before then everyday even after I spoke with him about the debt. I told him I was not familiar with the XXXX. I have looked them up and can not find their information anywhere. This XXXX XXXX said that if I do not respond he was going to take legal action against me. They call at all hours of the day while I am at work and while I am at home.
Complaint sub-issue: Threatened or suggested your credit would be damaged

ERC a third party collection agency violated my rights by contacting me through mail, In the letter sent to me there was a logo that belongs to this company, in 15 USC 1692b ( 5 ) states that use of any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt is a violation.

ERC also violated my rights by claiming I owe a debt, violating 15 USC 1692b ( 2 ).

In the letter ERC used obscene and profane language violating 15 USC 1692d ( 2 ), and threatened to report me to the credit agencies, this action ruins my reputation and is defamation of character and it is a violation according to 15 USC 1692d ( 1 ). ERC also used false and misleading communication violating 15 USC 1692e ( 5 ) Threatening to take any action that can not legally be taken or that is not intended to be taken, and again stating they will attempt to ruin my reputation and character violation of 1692d ( 1 ).

ACTIONS I TOOK : *wrote out an itemized list of every violation, labeling them exhibits ( a ), ( b ), etc.

*highlighted and wrote in red ink every violation on the original piece of mail I received.

*wrote an affidavit of Truth with all exhibits clearly itemized.

*in the affidavit stated that I am sure the removal of my information from ERC website, company records, or any and all derivatives therefore, of, and / or with any affiliates will ensure my privacy right won't be violated again due to my lack of consent.

*stated that I do not accept their offer to contract.

*stated that I do not consent to these proceedings.

*stated that I do require subrogation of the bond to settle the charge *I typed out all factual violations in an affidavit of truth which was then notarized.

*sent the affidavit of truth to ERC response address listed via Certified Mail.
Complaint sub-issue: Fees charged for closing account

I called Citibank NA to open a checking account and a money market account. I supplied authorization for an ACH transfer to take {$50000.00} from my XXXX XXXX XXXX  account to fund these two new accounts. I called them twice within the next month trying to get them to do the ACH transfer so I could use my account. I even had one customer service rep tell me to just do it myself. I would not since the authorization was given to them & I was afraid of it hitting twice and over-drafting my XXXX XXXXXXXX XXXX account. After another week, I gave up. I called them again and told them to close both accounts. I closed my XXXX XXXX XXXX  account and moved to XXXX Bank instead of Citibank. Three days AFTER I told them to close the accounts, they attempted two ACH transfers from XXXX XXXX XXXX to fund the accounts that I told them to close. XXXX XXXX XXXX  account was already closed. The only way I knew they tried to do the ACH transfers is because they sent me service charges notices. I called again. I spoke to a supervisor named XXXX who said he would take care of it. Now I received notice that both accounts were closed and I am supposed to pay the overdraft amounts on these accounts. I called AGAIN today. I was transferred to a supervisor but it was a bad connection & I asked her to call me back. She called, but as soon as I answered, the call dropped. I called again, held 20 minutes and got disconnected. I called again and got a supervisor, who said she could not verify the account with the information I provided. I told her that it is the same information that I provided for every single call and asked her to go over it again because she must have put something in wrong. She refused and said she could not help me. I asked her for her name and she would not provide it and hung up on me. I DID NOT overdraft my accounts. I have done absolutely everything I could to get this corrected, but this bank has repeatedly done nothing to correct their mistake. The bank involved is Citibank NA, Bank by Mail, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, phone XXXX
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 involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXXBalance {$3300.00} XXXX XXXX XXXXXXXX*-Balance {$280.00} DPT ED/XXXXBalance {$3100.00} DPT EDXXXXBalance {$1400.00} XXXXBalance {$530.00} XXXX  XXXX**XXXX*-Balance {$15.00} XXXX XXXXXXXX****-Balance {$22.00} XXXX XXXXXXXX****-Balance {$68.00XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX****-Balance {$230.00} ( Original Creditor : XXXX XXXX ) -XXXX***-Balance {$83.00}
Complaint sub-issue: Was not notified of investigation status or results

I received notification on  XXXX   XXXX  2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on   XXXX    XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.
Complaint sub-issue: Information belongs to someone else

I am a consumer in pursuant to 15 USC1692A3 and current victim of identity theft these agencies listed below is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, Equifax, XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a {$1000.00} per violation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed a copy of my credit report. I discovered inquires that I did not authorize. 
On XX/XX/2020, I reached out personally to the company to have the inquire removed from my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. Which I do not authorize. On XX/XX/2020, stating we regret that we're unable to offer you credit at the terms requested. This has greatly impacted my credit score.
Complaint sub-issue: Problem making or receiving payments

I have been a long time customer with US Bank, I have a checking account, a debit card and a savings account along with two credit cards with USBANK. 

Since XXXX of 2018, US Bank 's Debit Card chip stopped functioning. 

I called and had a replacement sent out, it did not work -- every place I use it gets an error. So I called and they sent another card. 

THAT card chip doesn't work. 

So every time I use it, I get a decline notice, I have to have the cashier try again and again and again until the system allows them to bypass the chip. 

I called in XXXX twice, XXXX, XXXX and XXXX. 

US bank only offers to replace the card which requires me to update all my billers, only to get the same result of the card not working. 

Clearly a pattern has been established after 3-4 cards now that there is an issue with the chip manufacturer or technology and rather than address it US bank just keeps sending out bad cards. 

I've asked that they investigate, but I've been told its not something they can fix, investigate etc. 

At this point my money is not available to me. I can not use self service stations. I have to beg cashiers to run my card until they can bypass the chip technology. THis has to be addressed.