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

On XXXX XXXX, 2017, Equifax notified the U.S. public that it mishandled Personally Identifiable Information of all its U.S. customers ( including me ; I verified this at their emergency website ) by not investing into proper cybersecurity products, was hacked, and is pushing the burden of fixing the issue onto customers.
This is infuriating - in the U.S., Equifax collects information from you if you do as little as apply for a job, so there was no consent to the collection of my information and certainly no consent to the criminally negligent storage of this information without proper security.
While Equifax is offering free credit monitoring for the next year to all affected, to verify your eligibility to sign up for that monitoring, you must : ( 1 ) Wait several days, which opens the door to your credit becoming trashed through no fault of your own and requiring you to take steps to fix it, when literally every other U.S. customer pursues the same remedies ( 2 ) Consent to an arbitration provision that is legally coercive, unenforceable in many jurisdictions, and likely in violation of the Federal Arbitration Act, basically amounting to trusting the same company that was criminally negligent again
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Around XX/XX/2018 an affidavit of denial and contract request was sent certified USPS to  Revsolve Inc obligating me to a debt they say I owe. I since then received a phone from XXXX XXXX on XX/XX/2018 at XXXX regarding this debt. XXXX XXXX has failed to provide proper validation in accordance with the Fair Debt Collection Practice Act while attempting to collect on a debt when without properly verifying.
Complaint sub-issue: Account information incorrect

My previous complaints were delayed, ignored and not addressed by XXXX XXXX. I received a call today and they wanted financial documents ( application and denial letter ) from another mortgage company. These documents are not needed. The criminal sales practices by XXXX XXXX Mortgage are the issues here.
Complaint sub-issue: Didn't receive enough information to verify debt

In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX XXXX   XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a XXXX XXXX XXXX on the XXXX of XXXX, XXXX. It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. When I originally reported this in XXXX of XXXX, this account was supposed to be closed, and no longer reporting to any credit bureaus, as this was not a debt that could be validated. As of now, XX/XX/XXXX, this account is still open, amassing interest, and reporting to the credit companies.
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX XXXX reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called XXXX to inquiry and dispute. The XXXX representative confirmed that she did not see my XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. XXXX responded by advising there was an error back in XXXX that they would adjust, but nothing for the XXXX reporting. I've worked hard over the past year to keep my account current and that negative mark reported in XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
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Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting, the XXXX Account # XXXX, XXXX, and XXXX 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 an account without my written instructions.
Complaint sub-issue: Account status incorrect

I received letters from Jefferson Capital handling my delinquent account for XXXX XXXX XXXX. They sent me a letter stating I could settle my account with XXXX XXXX with a agreed settlement amount. Before I gave them any payment I asked could they send me a letter to show the agreement before I paid anything. They did, and said when account is paid as agreed they would update the credit agencies as account settled in full XXXX balance. I paid, and they sent me a letter stating account was settled closed as paid in full. I was waiting for this to be updated on my credit report, but it never was. I even tried to file a dispute with the credit agencies myself. Which was a failed attempt. I called Jefferson who told me they just handle the account for XXXX XXXX and they have to update with the credit agencies as the account being paid in full and settled. However, when I contacted XXXX XXXX they said Jefferson was not telling the truth that the account was sold to them, and they no longer have anything to do with this account, so to contact them back I did and Jefferson capital said call them back and tell them this is a special account we handle for them so it was n't one they bought. I kept getting thrown back and forth, and XXXX XXXX still shows on my credit as a charged off account, and Jefferson Capital basically ripped me off of money that they lied about handling this account so I could get my credit report updated to show what I agreed to.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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, CA XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA ; XXXX XXXX XXXX Balance : - ; XXXX  XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX. XXXX, XXXX Original creditor : XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX  / XXXX Balance : {$240.00} ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have some addresses on my account that are not mine showing. I need my account updated to reflect my current correct and only address. My full name is XXXX XXXX XXXX please delete any other variation. 
I am XXXX XXXX XXXX of XXXX XXXX XXXX please delete any other variation. I need the following addresses deleted they are new mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Complaint sub-issue: Information is missing that should be on the report

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Debt is not yours

In XXXX XXXX, I had XXXX work completed at XXXX XXXX. I agreed to a payment plan before my procedure and paid all money owed. In XXXX XXXX, I received a bill with no explanation of services telling me I owed money. I contacted the company asking why. I was informed they miscalculated the money I owed for the procedure and I needed to pay it back. They also charged my account for medical procedure my husband had done. I asked them to remove my husbands debt as I am not liable. My XXXX XXXX XXXX and I needed a new procedure to fix this mistake on their part. This was XXXX XXXX. I was told this procedure was free due to it being an error on the XXXX part. I was told I was not liable for any money owed. They still charged me regardless, and informed me I had to pay my husbands debt. I am not liable for this money owed since I have no explanation of services, and the 2 nd procedure was not my liability. Im also not liable for medical bills for someone else. I have not been contacted by any debt collectors or received bills to my house ; however, a collections is now on my credit report. I would like fornthis to be removed.
Complaint sub-issue: Information belongs to someone else

15 usc 1666 d treatment of credit bal. refund demanded, 18/ usc 8 obligations of the u, s, a please no more 15 usc 1692 j XXXX. forms, block remove infor and delete fraud
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 I check my credit report and notice someone had stolen my Identity and open credit card accounts and cars in my name. I filed a police report and a FTC report. I am just would like to get my name back and have the credit reporting companies to please delete the items form my credit report. 

Thank you
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2020 i sent dispute letters to all the credit bureaus it has now been over 40 days and i feel that is enough time to reply to my disputes. i do realize they are out state and with covid things are slow but still with that said they have had more then enough time.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I submitted a complaint with the CFPB ( case # XXXX ). In this complaint I noted that an account being reported was incorrect and it needed to be investigated and deleted due to incorrect information being reported. On XX/XX/2022, Equifax responded to my complaint stating that I would receive information from the furnisher regarding this account. To date, I have not received any information or communication regarding the status of this account or any information proving that this account belongs to me.
Complaint sub-issue: Debt is not yours

I DO NOT OWE XXXX  {$320.00} OR {$180.00}. REMOVE FROM MY CREDIT REPORT. I WAS A VICTIM OF IDENTITY THEFT WHEN MY CAR WAS CARJACK
Complaint sub-issue: Debt was result of identity theft

Good evening, Im making this report in regards to a previous PNC bank account. I literally only had the account for about a month in XXXX, one night I was out partying & lost my cards. Not even two days later, I was notified of an amount deposited in my account of about {$2500.00}, that was immediately taken out. I contacted PNC to dispute the charges and report the fraud & they canceled the card and sent me a new one. A few weeks went by, and they sent me a copy of the fraudulent check that was deposited. The check was from a restaurant that Ive never worked at and had my name on it. I notified them once again & asked why it hasnt been disputed or any further action, they told me all they could do is close my account. I just received notice that the debt is to be collected in my name. The debt collectors told me to make a legal report & then they can dispute it. I figured that PNC would make notice considering the amount of times Ive called and visited but they didnt.
Complaint sub-issue: Information belongs to someone else

I received a credit card from XXXX XXXX XXXX  that I never applied for and received a hard inquiry on my credit report.
Complaint sub-issue: Debt was paid

An alleged debt owed to XXXX who was responsible for Accounting Services to my Law Firm and my family was resolved on or about XXXX XXXX, 2016 by way of Settlement Agreement and General Release. Per the Terms of the Settlement Agreement, any debt allegedly owed by my wife and me to XXXX was extinguished effective XXXX/XXXX/2016. 
Despite the aforementioned Settlement Agreement Capital Collection Agency, which had been retained by XXXX XXXX submitted false and misleading information to XXXX on XXXX/XXXX/2016 that the debt remained outstanding and as a result I have been denied credit and/or am being charged a higher interest than I would otherwise have had to pay.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXXXXXXBalance {$22000.00} XXXX XXXXXXXXBalance {$440.00} XXXX XXXXBalance {$1100.00} XXXX XXXX XXXXXXXXXXXXBalance {$2400.00} XXXX XXXXXXXXBalance {$15000.00XXXX XXXX XXXX XXXXXXXXXXXXBalance {$0.00} XXXX XXXX XXXX****Balance {$820.00} XXXXXXXXXXXXBalance {XXXX XXXX-XXXXXXXXBalance {$0.00} XXXX XXXX-XXXXBalance {$15000.00} XXXX XXXX {$22000.00} XXXX XXXX XXXXBalance {$1400.00} XXXXXXXXXXXXBalance {$0.00} TXXXXXXXXBalance {$0.00}  XXXXBalance {$560.00} XXXXXXXXBalance {$750.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) -XXXX****Balance {$1400.00} XXXXXXXX XXXX XXXX****Balance {$910.00} XXXX XXXX XXXXXXXXBalance {$340.00} XXXXXXXX XXXXXXXXBalance {$1700.00} XXXXXXXXBalance {$1200.00}  XXXXXXXXBalance {$930.00}
Complaint sub-issue: Account information incorrect

I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX XXXX ever since. XXXX XXXX XXXX is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$2700.00} on the XXXX XXXX/XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) I was moving and was searching for a new place to live and found XXXX XXXX XXXX apartments on-line. They were advertised as newly renovated and move-in ready. ( This was completely misleading and fraudulent. ) The pictures on-line portrayed a clean and safe complex. I contacted the leasing agent and paid the deposit and fees and rented the apartment. When I arrived at the apartment complex on XX/XX/XXXX they showed me the apartment they said I had agreed to rent. The apartment was inhabitable!! The carpets were filthy ; the bathroom smelled of raw sewage ; the kitchen had never been cleaned, the entry and other common areas were not kept up, there was trash and dog urine and feces on the stairs leading up to the apartment. I went directly to the front office to complain however they were not responsive and didnt appear to care. I had no choice but to move in. I had no other place to go. Shortly thereafter on XX/XX/XXXX I contacted the apartment manager to discuss the filthy living conditions of not only the physical apartment but the hallways and other common areas of the apartment complex. ( Please see reviews that have been submitted on line discussing the same issues. ) ( I have attached a copy of my initial correspondence dated XX/XX/XXXX. ) After living there for a short period of time, the conditions grew worse and there was no way I could allow myself and my XXXX year old child to continue to live in the condition of the apartment or the unsanitary and unsafe living conditions of the common areas of the apartment complex either, so I moved out. I spoke with a representative from the corporate office and was told that they would work something out with me and that they would not send this account to collections. ( Please see correspondence attached dated XX/XX/XXXX, XXXX and XXXX. ) I never heard back from them again until I received a bill for {$2700.00}. Only when I received a copy of my most recent credit report did I discover that this account had gone to collections. The corporate office never had any intention of working with me even though the attached correspondence from them states otherwise. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Account information incorrect

I paid this account in full but when I checked my credit report it is still showing that my balance is {$1000.00} and that it has n't been updated since  XXXX   XXXX ,  2016 . I have received my title for the vehicle which further indicates that the loan is paid in full.
Complaint sub-issue: Information belongs to someone else

ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
Complaint sub-issue: Information belongs to someone else

XXXX is reporting inaccurate payment history, across XXXX, Equifax and XXXX, please Delete per the Fair Credit Act. 611 There are 6 XXXX account with the same account number : XXXX Please see attachment.
Complaint sub-issue: Account information incorrect

Luck more financial is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Inquiries have reached the statute of limitation.
Complaint sub-issue: Was not notified of investigation status or results

I recently sent letters over 45 days ago to this bureau or these bureaus and they are disregarding the regular consumer disputes. I'm very stressed, frustrated, and have been sending letters before this an still no response.
Complaint sub-issue: Attempted to collect wrong amount

I have been dealing with USCB Corporation regarding XXXX XXXX XXXX. They have claimed I took classes when that was impossible as I was in a XXXX XXXX  at the time, and I did not have, and still do not have the mental capacity to do college level work. I told them in writing, on the phone for both schools they represented, XXXX XXXX and XXXX XXXX XXXX, but they do not want to hear it, they want to collect fraudulent funds.
Complaint sub-issue: Card was charged for something you did not purchase with the card

AFTER REVIEWING MY RECORDS I NOTICED THAT ON XX/XX/09 MY XXXX XXXX   CREDIT CARD ENDING IN # XXXX WAS CHARGED BY THE XXXX XXXX XXXX IN THE AMOUNT OF {$2800.00}. I DONT KNOW WHO THIS COMPANY IS OR HOW THEY GOT MY INFORMATION! AFTER I BROUGHT THIS MATTER TO THE CREDIT CARD COMPANYS ATTENTION THEY PRETTY MUCH BRUSHED ME OFF AND DIDNT WANT TO HELP ME! WHICH I AM SURE YOU CAN UNDERSTAND MADE ME VERY UPSET!
Complaint sub-issue: Problem with customer service

I bank with Discover Card. On XX/XX/XXXX I submitted 1 extra payment resulting in 2 payments of {$400.00} instead of my one usual payment of {$400.00} I make to them. This resulted in imense Financial strain, since I only wanted to pay them once. I contacted the company on XX/XX/XXXX requesting a refund of one of my payments of {$400.00}. I was told I have 7 to 9 business days before the money would return to me. It's now been over 14 business days with no transfer back from the company. I have spent Collective hours on the phone with them and even their Supervisor was not able to insure an answer over the phone and had to hang up with me at that time. this case has been escalated and I've repeatedly attempted to find out where exactly the money is coming back from but no one has given me an answer. it's caused a ton of financial strain and is put me further in debt now because of this. this is not been handled professionally and my money is still missing. Please help any way you can I feel they are ignoring and neglecting my request.