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

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Debt was result of identity theft

After receiving my consumer report from Equifax, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating claim and disputing the fraudulent inquires and accounts. Equifax is still reporting the negative/inaccurate accounts on my consumer report. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Equifax willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Equifax is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.
Complaint sub-issue: Information belongs to someone else

Over a year ago I disputed a fraudulent XXXX XXXX Credit Card on my credit profile a long with sending in police report. Equifax claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against XXXX XXXX ( CFPB # XXXX ). XXXX XXXX sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with Equifax. They have not deleted that account from my credit profile.
Complaint sub-issue: Didn't receive enough information to verify debt

Ask Discover Card for a settlement however they couldn't come up with a solution for me. I only received SSA and that very limited income. 


Also, I would like to know when it was charge off, age of the account on company letter head. 

If its collectible would like to know what settlement offers available.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

XXXX XXXX, XXXX and Equifax selling information of unsuspecting consumers called trigger leads. 
I understand there is information regarding these leads being sold by the major credit reporting agencies and somehow making it legal to do so. 
I also believe there is an underline issue with this. Not just the fact that there isnt a single person whom I have spoken with who knows this is happening but also the fact that no consumer who has pulled credit for a mortgage has opt in to receive solicitation much less have there personal information sold to a number of mortgage brokers or lenders. 

I am a mortgage broker and I receive phone calls from clients asking me why they are getting between 10 and 15 calls per day, multiple times per day from other mortgage lenders trying to solicit business. Some claiming to be a partner of XXXX and just doing a follow up to make sure the client gets good service. I have an actual recording from a call. 

Do I tell my clients that there information is sold the minute they pull there own credit for a mortgage. it seems that if I am aware this happens then it makes me responsible to disclose the fact that this can happen and more than likely will happen but theres nothing I can do about it. Since the three major credit reporting agencies dont actually pull credit for consumers, they dont have any sort of permission to sell peoples information for profit. 

I received another call from a client this morning who stated he received 13 calls this morning from mortgage brokers or direct lenders, all from spam numbers ( robo dialers ). Coincidently I pulled his credit yesterday utilizing XXXX pro ( XXXX  mortgage ) online credit pulling service. Now XXXX doesn't sell information, I don't sell information but we both know the credit reporting agencies will sell it. So who is responsible for informing the client that by initiating a credit pull with us for a legitimate service there information will be sold to multiple people. 

This doesn't sit right with me, regardless of being legal or not it seems there should be some protection in the California privacy laws prohibiting this from happening to unsuspecting consumers. 

Last, I have asked every client I know, every friend I have and non of them understood that there information was actually being sold by the credit agencies, they thought they may have filled out an online form somewhere down the road that opened them up to solicitation but certainly not by a trusted credit reporting agency.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am not familiar with the company or agency Credit Plus that submitted inquiries on all 3 of my credit reports without my consent. I did not apply for anything with this company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are several inquiries on my credit report from same day are within days of each other from companies I never gave my information to. I have contacted XXXX and I am waiting for a reply. Equifax would not give me an option to dispute the inquiries but I did lock my credit report. With XXXX XXXX also I could never get to an inquiry dispute because all they want you to do is give them money to access your report. My credit is good I never miss payments and I believe companies are giving my information to other companies without my permission and my score continues to drop for no reason.
Complaint sub-issue: Account information incorrect

I went to check my credit report and they had disputed stuff that I didnt dispute and called to ask the credit repair company if they disputed those items and they did not and would not dispute those because they do not dispute positive items. I believe this was done in retaliation for the last complaint and would like to talk to a manager. Because since last complaint they still are reporting incorrect information like they are reporting XXXX XXXX  as correct these were placed in bankruptcy and they are still reporting it as if it is active. Now this is getting crazy why would I dispute positive information to increase my score. I will give my sign in information so that it can be looked at. They are really trying hard to not remove anything while the others have removed the very thing I have disputed then added a new account thT they say is mine such as XXXX XXXX that was opened this year. I have not used XXXX XXXX at all this year and disputed it and they stated they are looking into it I know this is fraudulent activity in their part. They are disputing all the new credit XXXX the positive ) I have against me. I want the disputed on my new information taken off immediately and I want to talk to a manager.
Complaint sub-issue: Trouble with how payments are being handled

I've been making payments on my student loans for more than 5 years. Even though I've never missed a payment and I've only ever worked in public service, my loan servicer is crediting me with less than 2.5 years of qualifying payments towards public service loan forgiveness. The servicer, Pennsylvania Higher Education Assistance Agency, should give me credit for every monthly payment I've made since I've always been employed in qualifying employment while paying off my loans.
Complaint sub-issue: Was not notified of investigation status or results

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THER IS NO THIRD PARTY. MY PURPOSE OF THE COMPLAINT ISN'T TO GET THE ACCOUNTS VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THESE ALLEDGED ACCOUNTS WILL BE PERMANENTLY REMOVED FROM ALL CONSUMER REPORTS. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692a ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( a ) ( 4 ).
Complaint sub-issue: Problem with personal statement of dispute

Hello, I am writing about the alleged bankruptcy ( XXXX, XXXX, Equifax ) is reporting. I have sent over 6 rounds of letters asking for the proper verification but they have ignored my request. Isnt it illegal to ignore a consumer request under ( insert law ). 
I have been more than patient I need resolutions now as this is tarnishing my credit score I asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this? court name is not accurate - each bureau must report the actual name of the court. I DEMAND TO KNOW WHERE YOU GOT THIS INFORMATION FROM THE COURT HOUSE DOES NOT SUPPLY THIS INFORMATION SO TELL ME WHO REPORTED THIS IF YOU CAN NOT PLEASE DELETEThis agency is in violation of 15 U.S.C. 1692g. The creditor ignored the request to verify this inaccurate information.
Complaint sub-issue: Reporting company used your report improperly

Equifax and XXXX are not reporting correct information on my credit report. There are collections open and closed that are proven fraudulent but they refuse to properly investigate when I dispute the collections. There are also false names, addresses, credit inquiries all that I have not authorized. As far as I 'm concerned Equifax is aiding and abetting these criminals. I want this company to work with me instead of against me to correct my credit report.
Complaint sub-issue: Information belongs to someone else

This is my fourth 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 Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and XXXX 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 is the inquiry that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

In accordance with the credit fair reporting act 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 agency can not furnish my account without my written instructions
Complaint sub-issue: Didn't receive enough information to verify debt

Company failed to provide proof of debt after several failed written attempts. Under the law if they can not verify they must delete. They have failed to respond to my several written request requesting validation of the alleged debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX pulled my Equifax report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 


***HARD 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
Complaint sub-issue: Information belongs to someone else

I'm demanding an investigation into the following accounts, XXXX XXXX XXXX {$3300.00}, XXXX XXXX {$0.00}, Missouri XXXX XXXX {$18000.00}, these accounts are unauthorized and unknown to me and I'm demanding that they be removed. And/ or show supporting documents to support show how and why the accounts being reported.
Complaint sub-issue: Information belongs to someone else

These accounts reporting on my credit file does not belong to me and I'm demanding that these accounts be blocked. If you as the reporting company can not provide me with physical documentation of a signed contract in regards to these accounts then you must remove them in accordance with the FCRA laws.., these accounts shall be blocked, 1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 ) XXXX XXXX {$120.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX - XXXX XXXX. XXXX 6 ) XXXX XXXX XXXX - XXXX XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE REQUESTED THE CRA 'S TO FURNISH VERIFICATION OF ORIGINAL DOCUMENTS TO SUPPORT THEIR REASON FOR REPORTING ALLEGED DEBT ON MY CREDIT REPORT AND THEY HAVE FAILED TO DO SO. IT IS MY RIGHT AS A CONSUMER TO REQUEST SUCH INFORMATION UNDER " The Freedom of Information Act, 5 U.S.C. 552, is a federal freedom of information law that requires the full or partial disclosure of previously unreleased information and documents controlled by the United States government upon request '' XXXX XXXXXXXX ( EQUIFAX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX EQUIFAX ) XXXX  XXXX ( EQUIFAX )
Complaint sub-issue: Old information reappears or never goes away

Currently on my Equifax account there is a XXXX XXXX XXXXXXXX account that is reporting on my credit report. The account number for that XXXX XXXX XXXX account is XXXXThis account is more than 7 years and yet it is still reporting on my credit report. I am therefore asking Equifax to please delete this account from my credit report as its old and obsolete.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Bureau did not delete the error on credit report from XXXX XXXX. They reviewed it and found it accurate. This is information which is derogatory and defamatory and which is inaccurate and false. This information needs to be deleted from my report as this collection has never been validated.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a debt collection notice from National Recovery Agency It states that I owe XXXX XXXX Idaho XXXX. I contacted them about this and ask, Who in XXXX XXXX? they told me by law they could n't tell me. I went to the XXXX XXXX Court House Clerks office and they knew nothing about this. I went to the Attorney Generals office ( scam division ) they knew nothing. They did tell me that by law they have to tell me who they are collection for. I called the National Recovery Agency back and advised them on what I had done, and that by law they were obligated to tell me, they refused. I explained to them that XXXX XXXX has over a million people and hundreds of businesses, that I 'm not going to make out a check to you for XXXX without knowing who or why. They still refused. I sent them a certified letter stating this ( for about the 10th time. I also let them know that if this shows up on my credit report I will turn this over to my Attorney and file a complaint with the Attorney Generals office which I did as the put on my credit ( XXXX ) I contacted XXXX and explained the situation and they took it off my credit report immediately. I do n't mind paying if I owe, but to how?
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXXhis isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

CFPB + Equifax, I have 4 unauthorized hard credit inquiries on my Equifax credit report - I called each of these 4 hard inquiries on XX/XX/2023 and XX/XX/2023, spoke with customer service representatives, and all are requesting the hard inquiries made into soft inquiries and/or removed altogether. 

Attached to this complaint are : - drivers license - social security card - address - my complaint letter *with documented proof* Equifax, you need to have these unauthorized hard credit inquiries made into soft inquires and/or removed from my credit report immediately as its damaging my credit.
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I recieved an correspondance that was submitted to the consumer Financial credit beuerer CFPB # XXXX Lexis Nexis submitted a fradulent letter stating that they conducted an ivestigation how ever in their correspondence the aknowledged that thhey could not verify the information without verberly speaking to me they did not verify because the bankruptcy that is on my credit report is unverifiable they have a fedarl obligation under the statue to delete this information permentky lexis nexis knownkly and intentionally sold un verifiable information to XXXX XXXX and XXXX more speciffically under 15 USC 1681 a states Accuarcy and fairnes of credit reporting. The congress makes the folowing findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy. Also under 15 U.S.C 1681 b the law is very clear that lexis nexis is violationg m consumer rights and violating the fair credit reporting act as follows In response to the order of a court having jurisdiction to issue such a federal grand jury. In accordance with the written instructions of the consumer to whom it relates. At no time have ive given consent to lexis and nexis to sell my private information more specifically it is not verified by there own emmission.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was scammed by a person posing as XXXX XXXX XXXX this person is posing as a XXXX XXXX of the united states XXXX to get their friendship to steal data from him personal information and then use payment movements and withdrawals from payments of purchases with my credit cards
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

Misleading and Inaccurate information on my credit report
Complaint sub-issue: Trouble with how payments are handled

Three weeks ago I sent in {$100.00} for a payment its still NOT processed and the balance keeps clocking away against me. {$50.00} 2 weeks ago still not processed and of course the {$50.00} a week ago is still not processed. Its amazing that three weeks can pass and the payment is still not processed onto the balance and the bank benefits with the higher interest while not processing payments mailed in weeks ago.