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

I am hear to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to XXXX, XXXX, Equifax, and related companies XXXX & XXXX XXXX  to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX # XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I dug deep to find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.
Complaint sub-issue: Received bad information about your loan

MY LOANS HAVE BEEN IN FOREBEARANCE OR DEFERMENTS FOR A VERY LONG TIME. THEY ARE REPORTING ON MY CREDIT REPORT AS LATE. I AM ASKING FOR THEM TO MOVE ALL THE LATE PAYMENTS
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without 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 collection of any debt
Complaint sub-issue: Reporting company used your report improperly

Equifax is in violation under the FCRA laws 15 USC 1681 602A that states I have the right to privacy and 15 USC 1681 604A Sec 2 that states that a consumer reporting agency can not furnish any account without my written instructions which I have not given. There are also hard inquiries that were not authorized by me and my investigation and deletion requests have been ignored multiple times.
Complaint sub-issue: Information belongs to someone else

I sent Equifax and XXXX an FTC Identity Theft Report via USPS Certified Mail outlining multiple fraudulent accounts that are currently listed on my credit report, specifically the XXXX XXXX accounts ending in XXXX  on XX/XX/2022, which they received on XX/XX/2022 and XX/XX/2022 respectively. I demanded that these accounts that were a result of identity theft be removed from my credit report within four ( 4 ) business days ( Per 15 U.S. Code 1681c-2 ) of their receipt of my personal letter, identity theft report, photocopy of my driver 's license and social security card, and utility bill providing proof of address, as these have caused me and my reputation personal harm and discrimination. I called Equifax and XXXX today, XX/XX/2022, to address why these fraudulent items hadn't been removed from my credit report, and both companies claimed they were not obligated to remove the fraudulent items from my account, even though XXXX had already removed the fraudulent accounts from my credit file. For this reason, the items still remain on my Equifax and XXXX credit report and are still causing me and my reputation personal harm and discrimination.
Complaint sub-issue: Their investigation did not fix an error on your report

I settled my Account with XXXX on XX/XX/XXXX. 
I settled in FULL for less than the balance. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
You can see in another account ( XXXX ) that my settlement was done correctly reported. 
You put an N for the settlement month only. 
After that, the next month does NOT get an assigned value, and the reason is because the account is now closed, paid, and dormant. 
There is no new data to report. 
The account is settled. 
Settled is Settled. 
I called your representative 2 weeks at XXXX and they agreed. Settled is settled. 
You incorrectly stated it was a Charge Off 2 times, yet you don't put the CO code for the month, because you know it is NOT a charge off. 
I settled with a settlement before a Charge Off. This account was nowhere close to being a charge off. 
It was settled in good faith. 
I was given 3 months to pay {$380.00} each month. Instead, I paid this amount within 72 hours. The ENTIRE settlement. 
And you reward me by XXXX  my credit. 
This is not right. 
My payments were as follows : {$310.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Except I paid the {$380.00} on XX/XX/XXXX and 2 days later I paid the final 2 payments together, for a total of {$760.00}. 
So in XXXX I was Settled and Paid to {$0.00} Balance. 
XXXX and XXXX there is to be no data included in those months. 
There was never a charge off.
Complaint sub-issue: Their investigation did not fix an error on your report

They are reporting a 90 day late payment for XX/XX/2020 when I paid on time in XX/XX/2020. How can I pay on time in XX/XX/2020, and then become 90 days late for XX/XX/2020? From my understanding, I would have to have been 3 months late to receive a 90 day late on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has been reporting a chargeoff of {$790.00} since XXXX. I have never had a wireless account with them. I was on a family plan that was owned by my mother XXXX XXXX from XXXX. I have disputed this debt with all three credit bureaus numerous times. The debt is validated by the credit bureaus. They are refusing to investigate fully. I have called XXXX Recovery and Fraud department. They have verified that I do not nor have I ever had an account with XXXX. XXXX refuses to remove this line item from my credit. They are telling me that I need to file a fraud report. All three credit bureaus have continued to report this as well. This chargeoff has impacted my credit for 6 years!
Complaint sub-issue: Debt is not mine

I have received numerous automated dialer calls from Enhance Recovery XXXX to collect an amount, supposedly from XXXX XXXX XXXX that does not exist. I have contacted them several time by phone and in writing. I have informed them that their claim is fraudulent, actually using those words, and asked them to prove that the debt is valid. I even disputed it through XXXX. They have never shown any proof that this is a valid charge. I have never received a bill in this amount from XXXX and when I had service with them I was on auto payment so I always had a zero balance. XXXX years after I cancelled my service I began to receive calls from them. I will include copies of letters that I have mailed. 

I believe that this company uses frustration and filing false credit information as tactics to secure payment from people for amounts that may not even exist. They rely on the fact that it is just easier to pay than risk being reported to a credit bureau. I have spent many hours on the the phone trying to find out about this debt. ( mostly on hold ) It is simply not ok that predators like this are allowed to bully people into paying amounts that they do not owe. It truly amounts to extortion. 


( I have several other files I can submit )
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/22, I got charged for foreign transaction fee for {$34.00} from Fidelity credit card for purchasing XXXX flight tickets. I called the customer service and Fidelity credit card claimed that the transaction was made at XXXX, XXXX, XXXX. However, XXXX does not have office in XXXX, XXXX, XXXX. But XXXX, California. As per, XXXX XXXX XXXX Additionally, I have made another XXXX transaction with XXXX credit card and doesn't get transaction fee charge. As per XXXX XXXX XXXXXXXX XXXX XXXX XXXX  there will be 3 % foreign fee if the transaction is outside US. I don't have any foreign fee charge from XXXX. 

I have called Fidelity customer service and XXXX XXXX Avoided to give last name ) told me that I should pursue legal action to get dispute on my own. 

In conclusion, this is a mistake from Fidelity and I am not supposed to get foreign fee charge.
Complaint sub-issue: Personal information incorrect

I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a unverified account that is not accurate showing on my credit file from a XXXX  FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.
Complaint sub-issue: Information is not mine

my identity was stolen. accounts were opened in my name and used. I have filed a dispute several times and provided a police report along with an affidavit to show my identity was stolen and Equifax still will not remove the negative info from my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I originally sent EQUIFAX a dispute letter regarding 6 late payments to XXXX on XX/XX/XXXX. ( One letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XX/XX/XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
Thank you
Complaint sub-issue: Information belongs to someone else

Someone opened an account at conns got furniture.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX I received a copy of my updated report after an investigation by Equifax. The report confirmation number # XXXX stated that the inquiry : XX/XX/XXXX. XXXX was deleted from my credit file. To this date of XX/XX/XXXX the inquiry still remains on my credit file. This was after I provided all the requested documents to Equifax
Complaint sub-issue: Card opened as result of identity theft or fraud

I did not apply for credit from ELAN FINANCIAL SERVICE
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. XXXX {$1200.00} XXXX {$590.00} XXXX {$2400.00} XXXX {$520.00} XXXX {$130.00} XXXX {$130.00} XXXX {$490.00} USDEPEDXXXX {$7400.00} XXXX USDEPEDXXXX  {$2100.00} XXXX {$60.00} USDEPEDXXXX {$9500.00} FEDLOANXXXX {$3500.00} FEDLAON XXXX {$5500.00} XXXX {$18000.00}
Complaint sub-issue: Received bad information about your loan

I have multiple Parent Plus loans for XXXX of my XXXX children serviced by XXXX  XXXX XXXX AKA Pennsylvania Higher Learning The interest rate is 7.9 %!!!!! This is predatory its been double the prime interest rate for 8 years. 
They absolutely refuse to lower the rate My children and I were told they could refinance the loans into their name which is not true As an example for a ~12k loan have paid over 20k and thats one loan. 

How can the Federal Government allow this its a horrific situation in America our kids n parents drouning in debt while XXXX attend at no charge. 
I have been trying since XX/XX/2012 to get XXXX XXXX to be reasonable but they told me only my death resolved the debts other than paying them off, the large amount has lowered my credit score from XXXX to XXXX despite a perfect credit history. 
I pay on time but the loans are getting larger. 
The Federal Government needs to step in and put an end tp predatory practices and SCAMS by XXXX XXXX XXXX agencies We should be able to get our American children the best education in the world without such immense debt.
Complaint sub-issue: Debt was paid

The Judge Dismissed The Case Twice In XXXX and XXXX ... The Debt Collectors Harassed Me At My Employment And Credit Bureaus, Preventing Me From Applying For Apartments
Complaint sub-issue: Information belongs to someone else

There is a false claim against me that has effected my credit score negatively. It is a credit card account. I have never knew anything about this account. Someone has committed fraud and needs to be held responsible. When I received a bill in the mail about an account I never knew existed I did some investigating. As of now on this account it says there is {$5500.00} due balance. How is that even possible when it says there is a {$2000.00} limit? It also says the account was closed on XX/XX/2019. And on XX/XX/2019 the account had a {$0.00} balance due. This makes no sense. All I can say is my credit score needs to be fixed and I never even knew about this account. Please see the attached images I have attached to support my claims.
Complaint sub-issue: Account information incorrect

I had a card with XXXX XXXXXXXX XXXX XXXX XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report
Complaint sub-issue: Investigation took more than 30 days

I sent in a few letters to Equifax and I they still haven't responded to the letters its been well over 30 days my first letter was sent out XX/XX/2020. I  also sent a follow up letter and got nothing from them.
Complaint sub-issue: Deposits and withdrawals

On or about XX/XX/XXXX I wrote a check for {$1500.00} to the XXXX XXXX Georgia property tax unit, and put it in the mail. 

On or about XX/XX/XXXX I received a notice from XXXX XXXX that my property taxes were in arrears. I looked in my checking account and saw that this check had been stolen, washed and deposited, via mobile deposit, at PNC bank for the benefit of XXXX XXXX. All customer fields had been overwritten. My signature had been forged, and the amount was overwritten to the original amount : {$1500.00}. PNC accepted the deposit, and my account was charged. 

I contacted my bank immediately ; they have been trying to get reimbursement from PNC. Today, at the suggestion of my bank, I filed a complaint with PNC case # XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which XXXX XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I C SYSTEM responded with a letter with the account that was never mine. The account that I was disputing is under XXXX XXXX XXXX I C SYSTEM # XXXX Original Creditor : XXXX XXXX XXXX I C SYSTEM is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Complaint sub-issue: Reporting company used your report improperly

I am one of the potentially impacted persons from the Equifax security breach in XX/XX/XXXX/XX/XX/XXXX of 2017. Equifax compromised my report, and took over a month to notify ( though never notified me directly up to this point, and had to hear about the breach from a third party source ). The only restitution offered is credit-file monitoring and identity-theft protection that required me to enter the last six of my social and my last name on a website they setup ( potentially requiring me to further compromise my data in order to get access to the monitoring ).
Complaint sub-issue: Problem with fees

At first I let it go, I thought maybe it was my mistake. However I received a Similar value charge the following month on a much lower balance. I have now XXXX photos to Citibank as the rep I spoke to didnt care that I planned to frwrd the matter to the FTC all she would say it that it was, and I quote, system generated. So there isnt someone out there that controls that? Because what it looks like is someone is trying to get a $ XXXX fre every month from me, which they should just be honest about. The closing statement for the first month where I received the extra interest charge was 29 days and the reason for that is because the payments were made separately, so that even the agent argued with me and told me that I only paid a portion. Furthermore, theres a payment made at my bank that hasnt been attributed to anyone that is suspiciously close to the remaining balance and next payment. I havent looked into it yet, but if I do im certain Thats what I will find. Then, the following statement was given 32 days so that it could accrue extra interest. If you look at the statements the due date is before the closing date. So unsatisfactory. I can not believe I have to write in about {$20.00} because they are unfairly earned and the agents are unhelpful by calling it a SYSTEM. And then she claimed that I should JUST KNOW what and when I spent my money in. What if I did not? What if I am the type of person that needs help like that? So obviously you are not providing it or did not even train your agents to think about others like that but to top it all off your system requires me to be a mind reader so there is no way to avoid it if I buy something between certain dates. You should send reminders to people to not make purchases during those times for goodness sakes.
Complaint sub-issue: Account status incorrect

To Whom it may concern : Please update the subject credit file to reflect the courts status of the debt as indicated Discharged in Chapter XXXX Bankruptcy. The Fair Credit Reporting Act and the Regulations implemented by the Federal Trade Commission under the Act requires you to report a due or open balance of " {$0.00} '' on all accounts in collection with you that are included in my bankruptcy case ( Case # XXXX ). Continued reporting of a due balance is the creditor grantors attempt to collect on this debt. Reporting of a balance other than zero shows my open credit being exceeded due to a balance being reported. 

The inaccurate reporting of this balance is causing me distress. This has put me under duress, I am left with no other option of relief to either pay the balance due or file suit. My intent will be to file suit against all parties in the parish of XXXX XXXX, Louisiana if this issue is not rectified. All attempts have failed in working with your company, XXXX, XXXX, and Equifax to correct the inaccurate reporting of information. Paying the balance open is against the bankruptcy courts order and relief granted under 11 U.S.C. 524. 

To the extent that any of the discharged debt is reporting other than a XXXX  balance, please consider this letter as my final dispute under the Fair Credit Reporting Act and your companies notice of negligence to the law and relief granted by the court. Consequently, I am requesting you to immediately report a XXXX  balance and update Equifax, XXXX, and XXXX  file with accurate information. The Federal Trade Commission has been clear regarding how a furnisher must report information relating to the balance due post-bankruptcy. The Federal Trade Commission Official Staff Commentary to FCRA section 607, item 6 states the following : Content of Report : A consumer report need not be tailored to the users needs. It may contain any information that is complete, accurate, and not obsolete on the consumer who is the subject of the report. A consumer report may include an account that was discharged in bankruptcy ( as well as the bankruptcy itself ), as long as it reports a XXXX  balance due to reflect the fact that the consumer is no longer liable for the debt. 

The Federal Trade Commissions guidance remains the last word on this issue from the regulatory side and courts still regularly rely on it. See XXXX v. XXXX XXXX XXXX, XXXX, No. XXXX, 2015 WL XXXX ( N.D.Ind. XX/XX/2015 ). 
Page 1 of 2 Pursuant to the Fair Credit Reporting Act you are required to investigate this complaint and promptly notify me of the results of your investigation. I request that you conduct an official review of the information to all credit reporting bureaus. If for any reason you decline to conduct that review and make the necessary changes, I request that you promptly advise me so that I can take additional steps necessary to protect myself. Thank you for your prompt assistance with this matter. 




___________________________________ Signed XXXX XXXX XXXX XXXX File : XXXX XXXX XXXX XXXX Re./ Regions CC : XXXX  XXXX  Equifax
Complaint sub-issue: Information belongs to someone else

I am not responsible for this account. I have never done business with this company.
Complaint sub-issue: Information is not mine

I have informed you that the Account Service/XXXX Account that is reporting on my credit file is not my account. There are duplicate reportings of this same account and both of these reportings do not belong to me. Please removed these accounts from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX XXXX {$25000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXXXXXX XXXX  XXXX {$9900.00} XXXX XXXX XXXX- {$29000.00} XXXX XXXX XXXX {$18000.00}
Complaint sub-issue: Other problem

I had a secure credit card account with First Progress. I closed my account and requested that I get my security deposit back back in XX/XX/XXXX. They claim that they sent a check that I never received in XXXX and I can't get them to move on and get me my money back. they keep requesting that I send faxes and I've done that on several occasions as well as call in these most recent days it's been I sent one on XX/XX/XXXX and XX/XX/XXXX. The last paper shows a fax report that I had sent with my XX/XX/XXXX fax to show my previous attempts.