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

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the XXXX XXXX XXXX XXXX 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. 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 records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX I received respond from Citibank, after several attempts to call and speak to XXXX XXXX at Citi XXXX Response Team, and sending her my copy of Drivers license showing my correct address she confirmed the new checks will be issued and mailed and she will call me before the end of the day XX/XX/XXXX. She failed to keep her promise, I have attempted to call her for several days and there is only recording to leave message and sent her email dated XX/XX/XXXX and XX/XX/XXXX. I have not received any call or reply from her or citibank about my funds. 

copy of the email sent to citibank Citi XXXX XXXX : XXXX, XXXX, & XXXX Hello XXXX, Further to email sent on XX/XX/XXXX and your call to me, you assured me that you are following up with someone to process the issuing the check and call me to confirm the next day but I have not heard from you. Can you please call or send me reply to when will you be mailing the checks to me? 
Thanking you. 
XXXX XXXX Copy of Email sent to you on XX/XX/XXXX As per our phone discussion on Monday you confirmed that you have received my copy of driver license with correct address and you are going to process the checks to be mailed by over night delivery and will call and confirm before end of the day. I have not heard from you since as promised, since I have tried to call you XX/XX/XXXX and XX/XX/XXXX but there is recording message call regular business hours and leave message, I have called regular business hours and also left messages to speak to you but I have not heard from you. 
Would you kindly get back to me regarding my mailing of the funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.
Complaint sub-issue: Trouble using the card to pay a bill

Im trying to access my USBANK ReliaCard. This morning I tried to sign into my mobile banking app and it wouldnt let me so I called ReliaCard. An agent told me that my card was inactive and there was a comment on my account that said to contact the state. I did and the P.A UC said that they did not put a block on my ReliaCard so that I needed to call them back. They still wouldnt unblock my card. Mind you back in XXXX my account was blocked up until last month, XXXX because they had a type in their system with my address. ReliaCard made me fax them over personal information just to get the restriction lifted. I did this for almost 2 weeks straight because every time I faxed them over documents there was a problem. They finally lifted the restriction and was able to send me a card so that I can gain access to the funds that were on there. Now my card is blocked once again and I have no idea why and they arent being any help. I have a total of {$2300.00} that I can not gain access to.
Complaint sub-issue: Was not notified of investigation status or results

I contacted these bureaus on XX/XX/2021 & XX/XX/2021 and have not heard anything from any of them. They are blantaly ignoring me and its causing me distress. They are violating federal laws and my consumer rights! 
FCRA 15 USC 1681 states the consumer reports can NOT include any of the following 1. Credit transactions arising from my credit card. ( My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be EXCLUDED from a consumer report. The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice CONGRESS said ANY card, The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed below.

2. Any factual information Any credit transaction between you and the consumer and them in person.

Due to the fact that you have this information on my consumer report you owe me money pursuant to 15 USC 1681n.

I demand that all of the accounts listed below be deleted from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I am the consumer and I have a right to privacy. Selling and sharing of my information without my written consent is identity theft.

You cant furnish factual information. You cant furnish anything that is a result of a transaction that arose from the credit card.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies which is you ASSUMED this role and it was not given to you!

Pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. Did I give you permission? NO I DID NOT! So you are in violation again.

If I did give you permission to furnish the report, have the senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report.

I DEMAND YOU DELETE ALL THE ACCOUNTS LISTED BELOW PURSUANT TO 1681B BECAUSE I DIDNT GIVE YOU PERMISSION TO FURNISH THE REPORTS!!
Complaint sub-issue: Old information reappears or never goes away

I am having a issues with the rep XXXX to help dispute items that are over the statute of limitations and she is telling me to contact the debt holder but these items should be removed because they are over the 7 year limits and some have been transferred to another lender and reporting on my report twice. Equifax refuses to remove or help me dispute the items listed below. XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$2200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs, 6 mos ) Term 120 months XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 8 yrs, 5 mos ) Term months {$410.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$410.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term 6 months XXXX XXXX XXXX - {$210.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$210.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term months
Complaint sub-issue: Debt is not yours

Received a debt collection from Jefferson capital saying I owed money to XXXX on the amount of {$1200.00}. Culprit used my name and number but after calling XXXX I realized they used a different email. XXXX. XXXX collection says that the account was closed in XX/XX/2019. I received no mail from XXXX before it went to Jefferson Capital.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, I bought items from XXXX in early XXXX totaling {$6100.00}. Due to a system error on their part, they were not able to verify my identity and closed my account for security reasons. They canceled several of my orders and blocked me from the account. I called the merchant and my bank noting I did not receive all my items mid to late XXXX, yet was charged anyways. The bank filed a fraud report, instead of a dispute billing, due to a miscommunication. After the fraud report failed, it was learned it needed to be disputed, however because the case was closed, they needed more details. I have worked with XXXX from XXXX several times, including a 3-way call, to get this resolved. Because the account was blocked, XXXX ( manager at XXXX ) can not research, refund, or start a return process. The bank keeps denying to open the case again, requesting more details. Following what they requested, they still deny asking for more, even though there has been 2 emails matching what they requested and a 3-way call with XXXX. Because XXXX can not get into my account, they can not proceed a refund from their end.
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit report for correctness. I found an unidentifiable account from XXXX XXXX  XXXX with a current balance that I have never used. In addition, there is an address to which I have never lived at. I have contacted the 3 major credit report agencies ( Equifax, XXXX, XXXX ). It has been more than 30 days and they have not responded with any solution or removal of the fraudulent account. I need your assistance in this matter to clear this fraudulent account. Thank you
Complaint sub-issue: Information belongs to someone else

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXXBANK/XXXX  XXXX, XXXX  XXXX BANK XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Old information reappears or never goes away

I have a letter from XXXX that a fraudulent account that was opened in my name was investigated and was completed with the results being they determined that the account must be deleted which is right .... the account was never opened by me ... I sent all documentation proving that and they completed it and ruled in my favor .... I sent the supporting documentation to XXXX for them to delete the account and instead they removed like {$270.00} and updated the account ... the account was not supposed to be updated it was supposed to be deleted ... and Im hereby asking them to comply, if XXXX went back on this letter thats their issue not mines it must be deleted thats the resolution we came to ....
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my XXXX id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Complaint sub-issue: Public record information inaccurate

Lexis Nexis is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Complaint sub-issue: Information belongs to someone else

I am filing this report because today XX/XX/2020 I applied to XXXX XXXX XXXX  but unfortunately I was not approved because apparently there are several accounts in negative standing appearing on my credit history. I looked through my credit report and I saw many accounts from different companies that are not mine as well as addresses that I have never lived at. I don't know who these accounts belong to but I did not allow anyone to open these or any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I am not affiliated to any of the companies listed on this report ; I do not have any contract or agreement with them nor did I ever give them permission to run/access my credit file. I have filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report.
Complaint sub-issue: Account information incorrect

Despite assurance in writing from the Mortgage Company XXXX XXXX XXXX and the three credit reporting Agencies Equifax, XXXX  and XXXX  that the incorrect report of 90 days past due mortgage will be corrected and the credit score would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a credit score below 600 and a credit report from the three agencies reporting a 90 day past due mortgage report by XXXX XXXX ( XXXX XXXX XXXX. It has been one year since XXXX  received a full payment by the Title Company on XX/XX/XXXX ; XXXX  reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from XXXX  stating that on XX/XX/XXXX an update was sent to the three credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the three agencies credit report past due mortage with XXXX, the credit score reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, I have been reporting that there are accounts on my credit report that were not mine. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family.
Complaint sub-issue: Public record

State of Alabama reporting a erronous amount of money due from a $ XXXX/mo child support payment from XX/XX/XXXX where in XX/XX/XXXX I paid a {$7000.00} lump sum payment to avoid jail time. This debt amount is incorrect, it is over 10 years old, it was removed from my credit report before. Under the Fair Credit Reporting Act this is in violation on my equal rights. I did not borrow any month from the The State of Alabama for payments to my ex-wife and my daughter is XXXX years old. As stated I have contacted Equifax in which The State of Alabama verified before the debt should not be on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I filed a complaint against Equifax about inaccurate and re-aged information on my credit report involving XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX because they failed to investigate and delete these inaccurate accounts. The information i provided in my dispute was factual data pulled directly from my credit report, and yet they still responded to me stating that the information has been verified as accurate, which is a lie. Because if you look at the information I provided, you could see the blatant inaccuracies I complained about. It's plain as day. For example, on the XXXX XXXXXXXX account, How can I be 120 days late on a paid closed account? I mean, the account is PAID. The account is CLOSED. So how am I 120 days late. It doesn't make any sense. And this applies to the four XXXX accounts as well. The XXXX accounts say i'm 120 days late, but they are also closed and paid. Bottom line, an inaccurate account can not be found accurate. It's a total contradiction. Furthermore, I just received their response in the mail regarding my recent complaint stating that their investigation into these accounts is complete and that my credit profile has been updated. The only thing they did in regards to my credit report is update my personal information. The problem here is, I didn't ask for my personal information to be updated, nor was that my reasoning for dispute. They did no investigation into the accounts i disputed. The same information is still there. Even the accounts themselves weren't updated, which goes to show me that NOTHING was actually done nor investigated. In other words, their response is a bold face lie, and i want something done about it. There is no way i can give you proof of something, in black and white, and you just ignore it as if it doesn't exist. This is completely UNFAIR, and i want the accounts deleted from my credit report immediately.
Complaint sub-issue: Debt resulted from identity theft

I do not know anything about this debt collection coming from Afni, Incorporated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX , XXXX original creditor.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX has posted a collection against my credit reports where the credit card was originally with XXXX XXXX XXXX. This account was a charge of well over 7-years ago. Yet XXXX XXXX XXXX obtained the information pertaining to this account from a debt pooling subsidiary. The collection should never have been reported on any of my credit bureaus, and the original account is not even posted on my credit reports due to the 7-year rule application of the Fair Credit Reporting Act. XXXX XXXX XXXX in in direct violation of their subscriber agreement with the credit reporting agencies, and should be sanctioned for these aggressive and illegal collection practices. The account must be deleted permanently and the account information purged immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed on consumer credit reports that theres unauthorized inquiries on my XXXX, XXXX and Equifix reports. Someone applied for something using my name and SSN. I am uploading supporting documents that the Illinois XXXX XXXX XXXX XXXX website was breach by hikers and important information was breach
Complaint sub-issue: Other problem getting your report or credit score

I have contacted Equifax multiple times and sent the requested documents to them. For years they lie about not being able to locate my credit profile. Which is complete nonsense, its impossible to get them on the phone!!
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTIM OF MY PERSONAL INFORMATION BEING COMPROMISED THROUGH SEVERAL DATA BREACHES WITH EQUIFAX, XXXX  AND OTHER CREDITORS WHICH HAVE LED TO UNAUTHORIZED ACCOUNTS BEING OPENED AND REPORTED ON MY CREDIT REPORT. PLEASE REMOVE THE INFORMATION THAT I HAVE PROVIDED IN THE FTC REPORT AS SOON AS POSSIBLE.
Complaint sub-issue: Debt was result of identity theft

Equifax has been called several times to Remove fraudulent data. The reps at times have been helpful not all. on another note, I have had identity theft and have proven so, by completing a police report and having data from Equifax stating I was included in password leaks and breaches. Equifax has held to neglecting to remove the information from my profile. With this being my XXXX step in a Default notice which will also be presented to Equifax if this last attempt is not met with XXXX XXXX, By certified mail. The Specialist of the Fraud Department has provided assistance but these fraudulent details still remain. I am re-attaching the information provided in the last report. Numerous data details which are fraud remain on this profile, and Equifax should be held responsible for continuing to maintain inaccurate data after acknowledging the Affidavits being provided. I am being provided the received receipts and the information still remains on the profile. This has been a year battle with Equifax. Every minute spent calling and every effort communicating with Equifax will be provided to the endless hours recovering from the Data Breach. As a Service Provider and Company, Equifax should be held responsible for its contract that states it will protect the consumer. It continues to be an issue today. This serves as my direct report to Equifax to provide XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

I HAVE DISPUTED THIS ACCOUNT WITH ALL 3 CREDIT AGENCIES they report it as accurate but its not and its ruining my credit score.. 

this date of this account is also wrong in accordance with the Fair Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a 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 instuctions.
Complaint sub-issue: Reporting company used your report improperly

A bankruptcy is on my report from all 3 bureaus, XXXX, Equifax and XXXX and possibly XXXX XXXX ... .... Permission for the said bankruptcy was not authorized by the courts to place on my personal credit reports. Asked them to remove it and they response was " VERIFIED ''