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

In accordance with the Fair Credit Reporting XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 orgingal creditor 11 SPRINT ) 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: Their investigation did not fix an error on your report

Equifax ; XX/XX/XXXX and XX/XX/XXXX are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Complaint sub-issue: Account status incorrect

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. XXXX XXXX XXXX XXXX XXXX Account # XXXX The above account have violated my rights. 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. Attached is a copy of the title for my vehicle that proves that this account was PAID IN FULL. The company is incorrectly reporting this account as a charge off.
Complaint sub-issue: Can't temporarily delay making payments

I am a senior citizen age XXXX recently diagnose with XXXX XXXX and XXXX I have a parent plus loan with Great lakes. I informed to the collector from Great lakes that I am on a fixed income and can only pay {$50.00} a month the person has been harassing me daily and stated that I don't qualify for anything.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX Equifax - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

According to 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. 

XXXX XXXX, IN XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX, XXXX XXXX XXXX Account : 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 : 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 with 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: 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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$690.00} XXXX  XXXX {$860.00} XXXX {$22000.00} XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX 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: Debt is not yours

I am lodging a formal complaint against Jefferson capital system. This debt collector has reported derogatory info on my three credit reports for a debt I have no knowledge of for the amount of {$660.00} from a XXXX account. I have lived in XXXX XXXX, NJ my whole life and never had service with XXXX. I never received anything in the mail from this company or phone calls to let me know about this debt. Which is a violation of the FDcpa. Debt collectors must send me a notice by mail which gives me 30 days to dispute validity of account. I am in the process of purchasing my very first home for my family and I and this account is holding me back. I am requesting immediate deletion of this errounous account from my three credit reports so I can purchase my first home. I will be filing XXXX  complaints and attorney general complaints if this account isn't deleted. Thank you for your time!
Complaint sub-issue: Debt was result of identity theft

I've notified Lending Club several times that the alleged debt is the result of identify theft. In support of that notification I have provided a signed and notarized FTC ID theft complaint and affidavit. In addition I have disputed this firm 's reporting on my credit reports. The firm did remove all reference to this matter from my credit reports. This was a positive step. However, I am now being sued by a firm, XXXX XXXX XXXX, who claims to have bought this debt from Lending Club. I have contacted Lending Club asking that they resolved this matter, but they have not responded. See attached documents. 

My request is that Lending Club notify XXXX XXXX XXXX that they are rescinding the sale of this account to XXXX XXXX XXXX, so that the legal action now pending may be dismissed.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX born XXXX and I am a victim of identity theft. Please see the FTC report for your review
Complaint sub-issue: Information belongs to someone else

please correct the ftc violations and FCRA vioaltions correct the late payment with XXXX XXXX and fixed the collection FTC vioaltion not mine remove all the names
Complaint sub-issue: Trouble with how payments are being handled

I obtained a loan for {$19000.00} in 2003. I have been making payments since then. I have paid in principal {$18000.00}, Interest of {$8200.00} for a total of {$26000.00}. AES says that I still have a balance of {$18000.00}. I called several times and I do not have the dates, was also sent an amortization schedule as I requested and it is not correctly calculated. When I brought this up, they stated it is but could not explain how I have paid this much over 19 years and still owe the same amount I borrowed. AES encouraged me to file a complaint and this is what I am doing.
Complaint sub-issue: Debt was paid

AFNI has once again started to collect on a debt that I have disputed and have been proven to be settled/paid with XXXX. today I received a letter and I called AFNI. The agent stated that they never have had this account and I told him that they removed it from my credit report on XXXX XXXX, XXXX. He refused to listen to me and said I to pay it. XXXX is billing for cancellation of my contract. At the time I cancelled, around XXXX of XXXX, I went into XXXX to complain about the lack of service I was receiving in the new area I move to. The agent said their was nothing they could do about the service but would allow m to cancel. So, I did and went with XXXX. I never got a call or heard anything from XXXX until XXXX. So, I started to dispute their allegations. XXXX is hiding behind this collection agencies and they continue to harass me.
Complaint sub-issue: Funds not handled or disbursed as instructed

Ive been using an app called XXXX. XXXX now has a error message stating that customers with pnc can no longer link there accounts. I hate to have to change banks after so many years. Please have this fixed in order for people to continue using app when needed.
Complaint sub-issue: Reporting company used your report improperly

My credit information was illegally obtained due in part to the negligence of Equifax.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I mailed in a communication to Equifax to look into some accounts on my consumer report that I believe are inaccurate. I asked them to investigate the accounts to ensure they contain the maximum possible accuracy. 

To date, I have not heard about any specific action taken by Equifax regarding the items I had identified in my consumer report as inaccurate or unauthorized, nor do I see any changes to my report. 

The FCRA also includes what should be excluded from a consumer report. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) 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 instructions of the consumer to whom it relates. 

I did not give anyone at Equifax written instructions to furnish any of these accounts to my consumer report. 

Equifax has violated multiple laws within the FCRA, and they are not complying with these laws in a timely manner. 

The accounts in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX
Complaint sub-issue: Debt is not mine

This appeared on my credit report. I have not had XXXX XXXX in over 2 yrs. Have not heard from them since paying the final invoice 2 yrs ago, and now they have a debt collector reporting me to the credit bureaus. 
I owe them nothing
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been reviewing my credit report over the past month, which I have hadn't looked over it in the past 8 months. I have noticed discrepancies, unauthorized pulls on my credit report. I have called each company that has pulled report, all XXXX credit bureaus and I have tried to file a police report, per what the credit bureaus have told me to do and have not had any help in resolving this issue. I was told last week that I needed to file a complaint with the FTC, per XXXX and Equifax. I was told that this would be the only way I could get help with this issue, which is unfortunate. These companies are supposed to help relieve stress for the consumer, not drag them through hoops and stress. Below are the inquires I am disputing that were unauthorized nor an extension of any credit. I also have complaints about my correct spelling of my name and address on my credit report. On XXXX and Equifax I see many different variations of spellings of my name and many unfamiliar addresses. 
Equifax 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
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A merchant charged my card for services that were to be provided. The merchant did not provide the full service, and agreed to refund {$200.00} for the unfulfilled services ( through text message ). The merchant however did not refund {$200.00} for the services. I filed a dispute with my Discover for {$200.00}. Discover is telling me that I need more proof from merchant stating they owe me {$200.00}, even though I have a text message stating the fact.
Complaint sub-issue: Other problem getting your report or credit score

I have been paying for the Credit monitoring service with Equifax since XX/XX/2020, and I havent been able to update my report when Equifax. I called them they tell me to call them back because the system has to make the correction and update, but theres no correction it still doesnt work .There are accounts on XXXX and XXXX  that are not showing on my credit.
Complaint sub-issue: Account information incorrect

I have a XXXX XXXX card with my brother. The account has been paid in full and XXXX has notified the appropriate credit bureaus that the account has been paid in full, but only on my brother 's credit bureau accounts. The account has been paid in full for some time now. On my credit reports XXXX XXXX are still reporting a balance of {$1100.00} with a limit of {$5900.00}. I am trying to obain a mortgage but this account and Equifax are negatively impacting my ability to obtain that mortgage.
Complaint sub-issue: Personal information

i changed my name from : XXXX XXXX XXXX to XXXX XXXX non of the credit bureaus have updated my personal info and now i have no credit i was told to submit faxes/upload online to all XXXX credit bureaus and they have not updated my credit i need my credit
Complaint sub-issue: Problem making or receiving payments

I would like to ask about my payment from city bank to my XXXX XXXX More than 7 time I make payments from city bank to my XXXX XXXX and the payment is not go through even I have some thousands in my city bank and when I call city bank and contact with XXXX XXXX city bank sad yes he do have enough funds and I ask how much money I have most of the time some thousand and my payment is some hundred My XXXX XXXX refuse to increase my limit becouse its show in XXXX XXXX side I dont have enough funds ( I dont haven enough money ) 1- why 2- how city bank can fixes this mistake When I call city bank they sad we sorry 3- all the call it was 3 in one city bank and XXXX XXXX and me in one call 4- city bank they chose slots of mistake 5-city bank cant clearer my name with XXXX XXXX 6- XXXX XXXX that not approved me and I will never have a good relationship with XXXX XXXX 7- you can go back to your recording line and listen to conversations 3 in one me and city bank and XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX Account # 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: Information belongs to someone else

I have disputed two accounts with XXXX Credit Bureau multiple times. These accounts are not mine and inaccurate. These two accounts are reporting that I owe {$25.00} each.
Complaint sub-issue: Problem getting your free annual credit report

I have been unable to get my free annual credit report from Equifax online. After entering my request at annualcreditreport.com and selecting a report from Equifax, when I reach the Equifax website and enter the last 4 digits of my SSN, the response says " Online Delivery Unavailable ''. I had this problem when requesting my report last year ( XX/XX/2017 ) and it is happening again. When I ask why can't I get my report online, NOBODY at Equifax has an answer.

I do not wish to have my credit report coming to me through US mail. The process is not secure, there are too many opportunities for that piece of mail to be intercepted. Only Equifax has this problem, both XXXX and XXXX XXXX make online access to the report readily available. 

I realize Equifax had major problems with their breach last year, but they are failing to deliver acceptable service to their customers.
Complaint sub-issue: Investigation took more than 30 days

Equifax has Violated 15 US Code 1681c-2! They have denied receiving my letters to them, they have also denied receiving communication from the CFPB.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If they chose to not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please conduct a proper investigation this time and ensure that the items stated above are reporting appropriately as required by the law. Otherwise please delete any item that are found to be inaccurate or unverifiable or outdated. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

When I went to the car dealership they ran me for financing without my consent multiple times! Listed below are all the times I'm aware that they ran my credit. 

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 The rest below were pulled off my XXXX XXXX credit report that I am unaware of. 

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
Complaint sub-issue: Received bad information about your loan

A full explanation is to be found in the attached correspondence, which was sent to FedLoan Servicing directly, however, please accept this summary. In XXXX FedLoan Servicing confirmed that my employer, the XXXX XXXX XXXX, was a qualifying employer under the XXXX XXXX XXXX XXXX program. They confirmed this several additional times via annual recertifications. In XXXX, nearly five years into what would have been a 10-year repayment schedule, I received a letter stating that they had certified my employer 's eligibility in error and were retroactively withdrawing credit for all of the qualifying payments I had made to that point. 

I made career and repayment decisions based on the certification of my employer 's eligibility and planned on loan forgiveness after making 120 monthly payments. As a result, I worked in a XXXX XXXX XXXX and earned less income than I might have otherwise. I also participated in the recommended repayment program and made lower payments, which resulted in interest adding to the balance of my loans faster than I was repaying them. 

This exact issue was litigated by the XXXX XXXX XXXX, which prevailed on the basis that the Department of Education had harmed borrowers and violated the law. I sent a formal appeal letter to FedLoan Servicing describing the situation and the harm they had caused me but was sent a form rejection letter. Upon calling to discuss the matter further one of their customer service agents said something to the effect of my letter being " bla bla bla. ''
Complaint sub-issue: Frequent or repeated calls

On XX/XX/2019, voicemails were left for myself and a reference that were against the FDCPA. The voicemail left for myself was harassing by stating how long theyve tried to contact me, threatening by stating that hes called my refenences and extremely unprofessional by the tone of his voice. The voicemail to my references stated that he has been trying to contact me all month long, as well as stating directly where he was calling from. There was a phone to my other reference on this day as well and he spoke to her tell her his name, where he was from ( without being asked ), stated that hes tried to call me all month long and left a message with her to call me back. He left his name, number, and extension with the reference. 

For the voicemails left I have copies of both the voicemail left for myself and the voicemail left for my reference. However, they will not attach as they are not paper files. 

I contacted XXXX XXXX directly at XXXX XXXX and tried to explain that he violated FDCPA, he basically told me he didnt care and that I was past due {$250.00} and that my account needed taken care of. I asked to speak to a manager and was connected with a woman, who I told the violations to and explained how rude and unprofessional XXXX was. She apologized, but you could hear in her voice that she truly didnt care and was walking through the motions.
Complaint sub-issue: Public record information inaccurate

I filed a complaint with Lexis Nexis back in 2021 via the phone and never received anything back. Ive called several times with no help and I have emailed customer support only to get the same automated response each time. An inaccurate bankruptcy is being reported on my report and its showing on credit reports because of it being on the Lexis Nexus report.
Complaint sub-issue: Their investigation did not fix an error on your report

LJ Ross is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 LJ Ross appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, XXXX, removed LJ Ross because there was no basis for their claim. I have disputed LJ Ross to XXXX 3 times and they keep coming back saying it's legitimately belonging to me. LJ Ross and XXXX  are destroying my credit/FICO scores by their false claims.