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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C 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 in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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

Hi Had purchased an air ticket using by Citibank premeir thank you card. The flight was cancelled and i have been calling citi to issue me a refund of the ticket and they have not replied. Its over {$800.00} and i dont have resolultion.I have made several phone call to the citi help desk over 2 hours long. they always say they will give me a call back but they never do. its been over a year.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent inquiry and public record listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX/XXXX on XX/XX/2019 ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account ( XXXX # 1958, ) Account XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX # XXXX ) Account ( XXXX # XXXX ) Account ( XXXX XXXX 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: Account status incorrect

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have 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 is the list of the erroneous account reporting on my Credit Report : XXXX XXXXXXXX XXXX XXXX-Balance $ 2,210-Date Opened : XX/XX/2016 XXXX
Complaint sub-issue: Information belongs to someone else

See Documents attached. I am a victim of identity theft.
Complaint sub-issue: Personal information

I keep contacting you regarding fraudulent activity through my XXXX credit card. In the fall someone managed to change my address to XXXX Florida while trying to steal my identity and this card. I have spoken to the credit card company on XXXX XXXX, 2016 as they kept reporting this address as my new one even though they are the ones who notified me there was a problem with my account. They canceled my card & issued a new XXXX. They have supposedly updated it in their system and were supposed to fix it with the credit bureaus, yet it keeps appearing on my credit report, especially on EQUIFAX. Please correct this!!
Complaint sub-issue: Information belongs to someone else

Im resubmitting 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 COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX According to FCRA Section 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 alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

There are 3 accounts that are reporting on my credit that do not belong to me. I have contacted each of the creditors by mail on 8 occasions requesting validation and how they assume that I am the person responsible for the debt. Each of the creditors have not provided me with any information that would substantiate the debt belongs to me. I have made numerous calls only to be told that the application was submitted by internet and that is the most they could tell me. I have not applied for either of 2 cards ... XXXX and XXXX XXXX. I did however call in a card for 1st progress..never used the card ..returned the card and the company is reporting the card as delinquent. This is affecting my score and I feel lost with no one to assist. Please help. These do not belong to me.
Complaint sub-issue: Problem getting report or credit score

I recently was notified there was a " Fraud Alert '' placed on my file by Equifax. I am in the process of moving and have been denied utility service in my new apartment due to this alert. I did not request for a Fraud Alert to be placed on my file and demand it be removed immediately. I contacted the company several times about this issue and have been unable to resolve this. They requested I send in a request in writing with XXXX forms of ID. I complied with their request and the Alert remains.
Complaint sub-issue: Reporting company used your report improperly

In XXXX of this year 2022 Credit reporting agencies were made aware of fraudulent accounts & incorrect information on my consumer reports.
Complaint sub-issue: Reporting company used your report improperly

Since XXXXXXXX XXXX XXXX, I have put in many requests for investigative consumer report due to inaccuracies noticed on all XXXX of my credit reports. 15 USC 1681 section 603 ( 3 ) ( E ) States ; " Investigative means a consumer report '' or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous of times, I have tried doing investigative reports. 
The credit Bureaus violated my given rights under 15 USC 1681 It States that : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also, 15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agency can not furnish account without my written instructions. 
According to : 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. 

Account Name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

My check is being garnished. 
1. I have spoken to several agencies and its a dead end situation. 
2. Apparently when I was XXXX years of age ( XX/XX/XXXX) a student loan was taken out with my social security number. I did not take this student loan. 
3. It would have been illegal for me to take out any student loan or to sign a contract at this age. 
4. I have XXXX daughter that have gone off to college and when the paper work came to consolidate my daughters loan we signed the forms only the find out after the garnishment that the consolidation was on a loan that was not even ours. it was for a loan in XX/XX/XXXX that did not belong to any of us. 
5. I have file a policy report 6 I have spoken to a lawyer and now I am filing with the Consumer Financial Protection Bureau
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I reached out to the company I C Systems ( XXXX ) about this alleged debt on my report on XX/XX/2021 and my complaints fell on deaf ears. I've also filed a XXXX  complaint on XX/XX/2021 and after that they finally responded by sending me a bill. When i filed a CFPB complaint they said they would mail me information and you closed it but they didn't mail anything. I have been asking them to validate this alleged debt for over 120 days and all they did was send a bill through the XXXX  portal not even to me. How can they fail to validate this debt for over 120 days and still report it on my credit report. I know if they can't validate it in 30 days they must delete it off of my report. Well its been 130 days and no proper validation. A bill is not a validation i asked them for the original application that shows the debt is mine but they are playing games and ignoring me. They must delete this information ASAP.
Complaint sub-issue: Don't agree with the fees charged

Discover stated they only report 60 day late payments. I fell on hard times and became XXXX, so for almost 2 months didn't have any money but I was aware to pay the bill before 60 days. My payments were {$560.00}. I paid my XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, and XX/XX/XXXX on XX/XX/XXXX. Over this time, they have increased my payments twice. That is not something I was aware that they could do. When I called about making a payment {$560.00}, I don't recall them correcting me about a minimum payment. When I made a payment on XX/XX/XXXX for {$560.00}. According to Discover, I missed the minimum payment by {$2.00} and so they reported me and my co-signer to my creditors and dropped my credit score by 100 points. I called them to tell them it was an honest mistake b/c I didn't know they were increasing my payments because I really didn't have a residents at the time. I asked them for assistance since it was an honest error twice. I've offered to pay more money and catch up if it could be taken off credit report. They have stated they do not have the power to do that. I am just asking for some help from anyone. Discover makes it very difficult to stay on top of payments. I try my best but it seems like they change the goal post so I can never satisfy them. My loan was originally with XXXX but they sold it to Discover. I've tried to get my cosigner removed but they don't allow it even with a satisfying record.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a complaint with CFPB and I believe it has been forwarded to Equifax. I dont really wish to litigate this matter even though there are numerous precedents such as XXXX XXXX XXXX ( XXXX ),   XXXX v XXXX and XXXX XXXX, Equifax that suggest the courts would find in my favor. All I want is for the items listed in my dispute to be removed from my credit report because Equifax has not met the requirements of a reasonable investigation nor been able to provide me with the documentation I have requested. 
I would very much appreciate any assistance you might be able to provide in resolving this matter. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file opened fraudulently. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled.
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. 
XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXXDEPT OF ED 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.
Complaint sub-issue: Personal information incorrect

fcra violations : XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX not mine XXXX XXXX {$220000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Mortgage account Paid Off : 18 % Balance on XX/XX/XXXX Loan Amount {$220000.00} {$270000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$270000.00} XXXX XXXX Original creditor : XXXX XXXX {$14000.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$14000.00} - Payment Info Original loan amount - Balance {$14000.00} Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX XXXX, XXXX, PA XXXX LVNV FUNDING Original creditor : XXXX XXXX XXXX XXXX {$84000.00} Balance updated XX/XX/XXXX XXXX {$0.00} Closed 2 charge-offs Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # A XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX FAIR XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Names not my : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I received a response from Equifax to a verification I submitted on XX/XX/XXXX. The response ( # XXXX confirmation number ) stated : In this situation * We request that the reporting company verify the accuracy of the information you disputed * We provide them with the relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and * We request that they send Equifax a response to your dispute and update their records and systems, as necessary Here they outline their procedure for investigating my dispute and within their results of their reinvestigation ; The information you disputed has been received. The results are : inquiries area a factual record of file access. If you believe this was unauthorized, please contact the creditor. 

This does not indicate that their was an investigation into the accuracy of the inquires on my credit file. They did nothing but state they believe the inquires to be accurate. 

This will be the 6th attempt to have inquires removed from my file that I did not authorize. I have been successful having other removed once they actually did a investigation. Some creditors have no record of these inquiries and unwilling to give a letter to state so.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX, XXXX, XXXX I have communicated with the credit bureaus that these accounts do not belong to my. I have filed an identity theft report and even asked for both the credit bureau and the company reporting it to provide applications, loan agreements or security agreements that were signed by me. They have not provided nothing. The credit bureau then deleted the accounts over a year ago, and most recently they placed the accounts back on my report under a different reporting company name.
Complaint sub-issue: Information belongs to someone else

There are accounts on my credit report that does not belong to me XXXX XXXX and XXXX XXXX XXXX  needs to be deleted from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite having turned in numerous pieces of information that are contrary to the information on my file, Equifax and XXXX continue to report these errors as facts, and their mistakes are causing me to have business opportunities denied because of their error. A police report was submitted in reference to the fraudulent accounts, but yet they remain. A collection for {$3600.00} was placed on the police report as not mine and they refuse to remove it. Another report with late payment from capital XXXX is not my account as well. It remains on the bureau. Their score rating system is grossly off and has not been updated in months.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently obtained my credit report. I noticed some inaccurate information being reported. I submitted a dispute and the item was removed from XXXX and XXXX. I sent a copy of the results to Equifax. Under the FCRA all information is to be shared between the three credit bureaus if any information is found to be unverifiable. inaccurate or incomplete.
Complaint sub-issue: Information belongs to someone else

1 ). On XX/XX/XXXX, I sent my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I sent a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$2600.00}. 
3 ). Equifax Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is my 9th complaint against Equifax and their failure to remove this account that ISN'T MINE, Equifax has been shown proof several times that this account isn't mine and they have been given the chance to fix their mistake, but yet they continue to report this fraudulent account with proof that the account isn't mine. My next step is to file suit for {$1000.00} for each wrong doing that Equifax has done to me, as this false account is defaming my name. Remove this account immediately # XXXX and show me how you verify this nonsense, i can take a wild guess XXXX which is unreliable! Especially when i have shown proof 9 different times. Stop wasting my time and effort, next step is {$1000.00} in my pocket for each false account with this account number # XXXX
Complaint sub-issue: Public record information inaccurate

I have previously disputed the bankruptcy being on my credit report twice. Both times the bureaus advised the information was verified by the court. I sent a letter to the bankruptcy court in XXXX asking if they reported a bankruptcy to the credit bureaus and to provide proof of verification. The court responded saying that they do not provide verification to any company or credit bureau about bankruptcy.