Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Cashing a check

A check in the amount of {$5100.00} was deposited to Citibank account ending in XXXX which is now closed, in XXXX of XXXX, issued to myself from XXXX XXXX Mediation Program Administrator.. The item was intercepted by a cousin with similar name, XXXX XXXX, signature forged, deposited via mail I believe. The cousin does not use a middle initial, my middle initial is XXXX for XXXX. Further, this account was opened fraudulently using my social security number by him, he is unable to open deposit accounts due to credit issues. He intercepted check after I moved from address which was in XXXX of XXXX, check was sent in XXXX via XXXX, intercepted by him. I moved to XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XX/XX/XXXX. Check was sent to prior address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XX/XX/XXXX. I became aware of this in XXXX of XXXX, alerted XXXX XXXX of non-receipt of payment, an affidavit was sent to me in XX/XX/XXXX to investigate. The investigation closed, supposedly resolved, Citibank claims account opened in my name, unaware of fraud including opening of account and interception of check ... .This information from Citibank was provided to me by XXXX XXXX XXXX my claim rep with XXXX XXXX . This payment represents compensation for unauthorized accounts opened by XXXX XXXX reps in addition to current account, the premise for bill pay when only XXXX account is needed for such service. I request Citibank release funds from account, send them back to XXXX XXXX in order for them to pay me for this item.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, EQUIFAX MORTGAGE SERVI add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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  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 than records of convictions of crimes which antedates the report by more than XXXX 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.
Complaint sub-issue: Account information incorrect

XX/XX/2019 I moved out of an apartment complex because my husband and I purchased a home. Recently, I was notified that I owed more than $ XXXX for charges related to the canceled lease and they were grossly misrepresented and inflated. I contacted an attorney and tried to resolve the issue with the collection company but they have not responded back. All claims made by the apartment complex is not only false but they are attempting to ruin my credit and my mother who co-signed as retaliation for the disputed charges.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me  an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Information belongs to someone else

THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT
Complaint sub-issue: Information is missing that should be on the report

XXXX  ... .EQUIFAX XXXX AND XXXX are failing to report revolving accounts that belong to me ... ..they actually removed them and my score fell significantly ... I am attaching proof that all these cards belong to me and should be being reported to all 3 bureaus! 

XXXX XXXX CARD LIMIT IS {$5000.00} XXXX XXXX CARD LIMIT IS {$3000.00} XXXX REWARDS CARD LIMIT IS {$4000.00} XXXX XXXX XXXX XXXX IS {$12000.00} these cards really benefit my overall usage and my credit worthiness and by the credit bureaus removing the cards ... ..my credit score dropped significantly ... .please add these cards back to my credit file immediately!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX number # XXXX, Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax 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. THE LATE ACCOUNTS LISTED BELOW NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Balance : {$660.00} XXXX  XXXX Balance : {$22000.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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: Public record information inaccurate

I am in the process of cleaning my credit up do to identity theft. Lexis nexis has several items on my report that don't belong to me and/or are a result of identity theft. While they have deleted several items, several remain such as Name variations, my name is XXXX XXXX XXXX, in the past 25 years I haven't used another name. My maiden name is XXXX. Their are several variations of my name on the report. It also reports I have a Virginia License which I do not and have not ever had. My drivers license information is incorrect, all they have to do is check with Maryland MVA. My license number is XXXX and has been, their is information from XXXX, XXXX, and XXXX that don't belong to me. I have sent them copies of my license as well of my change of address. Lastly there is a bankruptcy from XX/XX/2015 that is not mine. The bankruptcy court say 's they didn't report it to them so I would like to know how they got the information and provide me with all of the identifiers as well as DL information ie picture and ssn number provided to file this bankruptcy. The consumer number for XXXX XXXX is XXXX and the Case number is XXXX. Please help
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a victim of identity theft. All of my personal things were taken now are attempted to be used to open accounts in my name.
Complaint sub-issue: Reporting company used your report improperly

XXXX  - Card Services Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I spoked to dem tuday and XXXX was rude as XXXX and hung up on me and said you people thenk yall know so much but dont im like why yaw aint process my id theft affidavit he like we got 30 days you peeople think dat you tell us how to do are work im like the law tell yaw how to due yaw work he like nope.
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my XXXX XXXX consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) section states no reporting agency may make any consumer report containing any of the following items of information .Any item of adverse information other than records of convictions of crimes that antidates the report by more than 7 years. 
A person should not furnish any information relating to a consumer by any consumer sumer ageny
Complaint sub-issue: Information belongs to someone else

XXXX equifax refuse to remove these fraudulent trade lines from My credit report equifax refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also equifax refuses to remove XXXX and XXXX XXXX I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report act. The list of XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : 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 than records of convictions of crimes which antedates the report by more than XXXX 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.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX City residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State.  This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX City Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX City and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY XXXX required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Complaint sub-issue: Right to dispute notice not received

Hello I found an open collection account listed on a recent Credit Report which i obtained using XXXX and XXXX XXXX. I attempted to research the company, Enhanced Recovery ( ERC ) using XXXX. I found that this company does not have a website, which raised my eyebrows about the legitimacy of this collection. I called the original creditor ( XXXX XXXX XXXX ) to find out more. XXXX XXXX has NO RECORD of my name or social security number in their system. They told me to try to find a number for the Collection agency so I called the number on my report. The person who spoke with me did not inform me that I could dispute this debt, that I had any right what so ever to challenge the facts of the debt. I asked for him to send me a letter to verify the facts of the debt. They ended up sending me a " summary of the payment agreement. '' I can assure you I did not agree to pay them anything, especially when I had no information about why they had this debt and did not share with me my rights. Then they somehow assumed I had agreed to pay them in full without those words ever coming from my mouth. 
I Believe this is deceptive and illegal and furthermore, an immoral practice, especially coming from a company that is doing its best to hide their identity by not having a website or any contact information readily available to the public.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I disputed many items off my credit in which the credit company violated my consumer rights. XXXX XXXX balance of {$10000.00} is showing on my credit report for a repo which violates law UCC 9 PART 6 ; No pre sale letter sent before car was repoed, Repossession deficiency letter was not sent before Repo reported to creditors. The credit reporting agency marked it as updated XX/XX/XXXX. This item should be removed off of my credit after disputing it for this reason. 

XX/XX/XXXX XXXX disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  late payments reported on open accounts that violate consumer law 15 U.S, Code 1681a, 15 U.S. Code 1666b and 15 U.S. Code 1681i. results came back as update.

Dec 23rd 2022 I disputed Capital One Bank under violate consumer law 15 U.S, Code 1681a, 15 U.S. Code 1666b and 15 U.S. Code 1681i. reporting agency updated and did not remove. 

XX/XX/XXXX I disputed a public record XXXX XXXX bankruptcy XXXX reporting agency listXXXX XXXX XXXX XXXXXXXX VA XXXX as the people whom reported information to them. This was in fact falseXXXX XXXX XXXX XXXXXXXX does not share any information with any credit reporting company this is found on their website as well if you call which again violates me as a consumer under law 15 US CODE 1681A, 15 US CODE 1666B AND US CODE 1681i.

I am asking that all of these items be removed from my credit report if not i will seek legal advice on moving forth in court due to my rights being violated.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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 than 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.
Complaint sub-issue: Account information incorrect

This company refuses to update my credit report in a timely manner. The account with them was paid off in full, early. Yet they still report a revolving balance and open account. I have submitted disputes and they verify that their information is accurate. I have no open account with Rise, nor do I owe them any money.
Complaint sub-issue: Reporting company used your report improperly

In XXXX if 2022 I applied for a loan I was directed to sign up with credit karma to get a credit score from report and I had to pay membership fee XXXX is a charge that was imposed on me as a condition to get loan and that's unlawful. Then every day I would get emails saying I was approved. My credit was accepted I can access funds or approved for credit card {$10000.00} line of credit. And each time I log in the accept the offer I fill out another application and get denied. My XXXX XXXX is destroyed XXXX it was XXXX. XXXX points. My stress level is through the roof. I was set on paying off my debt and taking family on a small vacation. Now they think I'm a loser for say I would vacation with them. Now I don't know how I'm to survive. I am sick to my stomach with anxiety every time the XXXX ask my. The pre approved and accepted emails are deceptive and misleading. They clearly say I can log in and receive funds. I've been shamed. They should compensate me. And I can't wait XXXX or XXXX months.
Complaint sub-issue: Account information incorrect

LexisNexis is a fourth credit bureau with public record information that is used by apartment complexes to determine qualification for a lease. They have a judgement on their records for me that was WITHDRAWN. I need it removed. I attempted to dispute this with LexisNexis directly but that process isn't available. The Fair Credit Reporting Act would cover them as well and gives me the right to dispute negative items on their files. 

I have attached a copy of the notice of WITHDRAWN judgement. The court is XXXX XXXX XXXX in XXXX, DE. The case is XXXX
Complaint sub-issue: Other problem

Discover card continues to falsely claim to the Consumer Financial Protection Bureau that the subsequent complaints in which I file are merely a duplicate. However, the clerk who originally replied to CFPB complaint number XXXX did not address the full complaint. Specifically, the consumer requested that new account ending in XXXX be closed. Discover card failed to acknowledge that all credit reporting will reflect " account closed by consumer ''.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed " unauthorized '' inquiries with Equifax Credit Bureau. Equifax and Finance companies did not removed the inquiries.