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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

My identity was stolen me and my family of 7 will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX XXXX XXXX also my ssn is XXXX bank statement attached drivers license attached
Complaint sub-issue: Billing dispute for services

Late Payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Contacted me instead of my attorney

The XXXX XXXX XXXX are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss.
Complaint sub-issue: Can't temporarily postpone payments

I have a private XXXX loan through Citibank. They are threatening to send my account to a collections agency, even though I am enrolled in school.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX  Account # 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
Complaint sub-issue: Their investigation did not fix an error on your report

The there was a dispute that came back unfounded. This mark on my credit report is well over 7 years old. The reporting is starting with a date of when the account was purchased by a collection agency which isnt legal. Its the EOS report on my cretic report which started from a XXXX account that was never mine well over 7 years ago. Thank you!
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted US bank as they are not reporting I made a payment on card ending in XXXX in XXXX of 2020 to XXXX and XXXX They told me to send a letter, which I did. They sent a letter back saying they investigated and everything is accurate. They included a phone number in the letter to call, and when I call they say they can't do anything about it.
Complaint sub-issue: Personal information incorrect

I have filed disputes. Because Equifax has the outdated XXXX XXXX, I can't open the dispute letter results because the updated XXXX XXXX sees their pdf as corrupted. My daughter 's credit inquiry for a new car she purchased remains on my credit reports as an inquiry. They have not investigated or asked the banks whose name was on the inquiry. They will not even look at the information submitted. They will not do anything to get this matter corrected. My daughters information is now on my credit report. I can not provide information that I do not have for a car that I did not apply for as proof. How am I supposed to provide something that does not exist. All they had to do was look to see that the name did not match the social security number. The car company has acknowledged their mistake and is having the same problems working to get this corrected.
Complaint sub-issue: Account information incorrect

XXXX of XXXX XXXX  has been reporting incorrect information to my credit report since his company acquired my loan back in XXXX. I have spoken with him and other employees within his company and nothing has been correct. Back in XXXX XXXX has requested a garnishment of my wages. The court case was in XXXXXXXX XXXX XXXX and one check came the day after the court date and he refused to go to the court to pickup the funds. So they were sent back to my employer and then back to me. Just recently he took me back to court again to garnish my wages for the same amount that he refused to pickup after the clerk of court reached out to him to make him aware that the payment came in right after the court hearing and was dated within the garnishment dates.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My credit card was used without my knowledge or permission and multiple charges were made on my card that I did not authorize. I reached out to the company and was advised that due to fraud I would not be responsible for charges but recently checking my credit I saw the charges on my card and no one is assisting with my issue. My credit card information, id, and phone were stolen and charges were occurring on my cards. I did not immediately notice this because I was not able to check my account due to my information being stored on my phone and I was getting ready to leave for a work trip. On the trip I noticed 2 of my credit cards missing but I did just assume they were home and did not know they were being used. 
XX/XX/XXXX XXXX XXXX  XXXX  {$150.00} XX/XX/XXXX XXXX  XXXX   XXXX  {$180.00} XX/XX/XXXX XXXX  XXXX  XXXX {$150.00} XX/XX/XXXX XXXX  XXXX  XXXX  {$170.00} XX/XX/XXXX XXXX XXXX XXXX {$17.00} XX/XX/XXXX XXXX XXXX  {$130.00} XX/XX/XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX  XXXX  {$21.00} XX/XX/XXXX XXXX SC {$100.00}
Complaint sub-issue: Trouble with how payments are being handled

have been paying loans since XX/XX/XXXX was late 30 days due to XXXX transferring the loans to Nelnet. Once contacted Nelnet and set up auto deduct for $ XXXX month on a payment due of $ XXXX/month which is taken ever XX/XX/XXXX of the month. never received 1 monthly statement only get a letter from XXXX that my payment is being deducted. get a YE interest statement but no other communication. Called to see when my loans should be done since I have paid extra each month and it has been more than 10yrs. My total loans were {$19000.00} ( 6 % interest ) when I started. They are saying it is in default and I still owe over {$21000.00}! I asked where all the $ I paid went and they told me it went to collections/default fees. I was never told it is in collections/default etc. no letters, calls, nothing! lived at the same address for 17 years. my credit report says they are closed and the balance owed is {$0.00}. called my school and they said that my loans show a green status. my tax refunds have never been held for non-payment nor has my paycheck been garnished. Do not know what to do.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I noticed on my XXXX Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to XXXX in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on XXXX web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. 

XXXX has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from Equifax, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, XXXX and Equifax information are certainly not the same as XXXX, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. 

This is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
I attempted reaching out to all three credit places about this, XXXX, XXXX, and Equifax, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.
Complaint sub-issue: Didn't receive enough information to verify debt

Made payments to two of my XXXX  XXXX cards, received confirmation of payment from one of my US Bank accounts, some of my XXXX XXXX XXXX  Cards, and one of my XXXX XXXX XXXX XXXX accounts, but it didn't update the credit when payment made as was with XXXX  XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. 

What is the issue?
Complaint sub-issue: Was not notified of investigation status or results

I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent XXXX, XXXX and Equifax letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.
Complaint sub-issue: Card was charged for something you did not purchase with the card

This company sent a letter for unusual activity for me to confirm the card was in my possession and a restriction was placed on my XXXX account. I contact them on XX/XX/XXXX with a letter dated XX/XX/XXXX. Was told they would issue a new card and claim would be submitted to the fraud department and the charges would come off within 2 days. I called on XXXX to only be told the restriction was not removed and now a form needs to be submitted and it can take 60 days for a review. Within 60 days I would be paying this balance within 30 days and these charges are being reported to my credit report reflecting a high utilization on this card.
Complaint sub-issue: Public record

I sent XXXX a letter requesting proof on letter head stating the procedures used to verify this account I asked for proof of verification on courthouse letterhead the name of the person who verified the public act The public act should only be verified by the furnisher which is the bankruptcy court, not a third party such as XXXX or XXXX. Equifax never sent me any information within the 15 day period pertaining the business name address and contact information I requested thats violation number one violation two Equifax sent me a credit report that says verified thats not what I requested and thats not proper protocol when the creditor request for proof. Equifax also have the wrong date equifax has XX/XX/2014 in which it should be XXXX/XXXX/2014. ( paper work attached showing dates ). Im requesting complete deletion of this account. SENDING ME A CREDIT REPORT THAT SAYS VERIFIED IS NOT WHAT I REQUESTED AND ITS NOT PROTOCOL.
Complaint sub-issue: Information is not mine

I applied for a XXXX XXXX XXXX XXXX Credit card and was denied. I received a letter dtd XXXX/XXXX/2016 stating the reasons for my denial was based on deliberate and egregiously inaccurate information provided by XXXX XXXX/XXXX. First they claimed by credit score was XXXX which is a complete fabrication, as my Credit score is actually XXXX from both XXXX and XXXX. Inadditon they provided Misleading information on my length of stay at my current home address, along with the fact that I had insufficient number of credit references and had limited deposits on file with XXXX XXXX XXXX. All information they deliberated fabricated was completely false, misleading, not even remotely accurate. It has cost me a significant saving on the purchase I was making at the time along with expenses of sending certified letters to the XXXX, the Credit Card agency and XXXX. As a reporting agency they failed to validate the information before denial or sending it to the bank.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX aka XXXX XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Complaint sub-issue: Reporting company used your report improperly

YOUR COMPLAINT This account was not investigated properly I believe my right to a timley investigation was violated and a original signed document was never produced. 
XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX  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 It also states a consumer reporting agency can not furnish a account without my written instructions 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: Didn't receive enough information to verify debt

I have about 6-7 collections from the company Americollect I was only notified on 2. I didnt find out about the others until they were added to my credit report
Complaint sub-issue: Card was charged for something you did not purchase with the card

Me and my wife went into XXXX XXXX to return several pair of pants which she purchased previously. When we got to the service counter my wife took out her credit card as did I also for the credit process. The lady who was waiting on us told us that she did not need the credit card to process the return. At that time I thought that I had put my credit card back in my wallet, but in actuality I probably dropped it. When we got home I was looking in my wallet for something and realized that my credit card was not there. It was gone??! I immediately called Sears MasterCard and reported the incident. I asked the lady that I was speaking to if there was any charges made on the card, which would have told me that someone else had found it and used it, and she said that {$950.00} had been charged on the card, unauthorized by me!!! I was flabbergasted that someone could have used my card in such a short time, I have been a Sears MasterCard holder for 50  years and find it hard to believe that they would think that I go to all this trouble for a mere {$900.00}. I am a XXXX and would never think of taking something that does not belong to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX and XXXX of 2017, XXXX made 2 hard inquiries on my credit report that I did not authorize. I have never been interested in their services, so I am completely certain they are unauthorized inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

I have called and spoke with all three consumer reporting agencies about this account with grain reporting inaccurately. The company mistakenly reported A late payment & emailed and advised the late payment would be removed and it has not been removed as of yet. The balance is also reflecting XXXX and the balance is XXXX. I have attached both the letter reflecting the balance is XXXX & the email stating they agreed the late payment was in error and should have been removed. I am in the process of purchasing a home and this is effecting my closing date and I have called and have had no luck getting this resolved with the three consumer reporting agencies. I was informed by grain the reporting agency may not reflect until XXXX however, I submitted the dispute to have them verify the correct information now as I can not wait another month while inaccurate info is still being reported. The disputes came back valid and was not corrected.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX FS XXXX Balance : {$34000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX Balance Owed : {$0.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance Owed : {$240.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, XXXX, and Equifax Credit Bureaus have 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 are the items that are reporting on my Credit Reports : EQUIFAX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/2021