Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX XXXXXXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Central Billing has placed collections on the Credit Bureaus for magazines that I never ordered and have tried to cancel many times. They are representing an organization named XXXX XXXX  XXXX XXXX XXXX XXXX. 

I was solicited by a magazine service by telephone in XXXX but did not agree to subscribe to magazine ( s ) through any service. This fraud has been ongoing for seven years. I received a number of copies of magazines never requested, without having ever subscribed I was billed by the magazine service without my knowledge or permission and attempted to stop the magazine charges several times to no avail. The charges did not stop. I have moved four times since then and this harassment persists. 

This is part of a nationwide telemarketing fraud scheme is being carried out by companies engaging in phony and fraudulent magazine subscription solicitation scams. These companies target elderly and other vulnerable individuals and trick them into unwittingly signing up for expensive magazine subscription packages. The scheme involves tens of thousands of victims and millions of dollars in losses. The FBI and U.S. Postal Inspection Service ( USPIS ) are seeking victims who may have been defrauded by magazine subscription services in this way, from XXXX to the present. The investigation has identified dozens of companies involved in fraudulent magazine sales located within the United States and internationally. https : //www.fbi.gov/resources/victim-services/seeking-victim-information/seeking-victims-in-magazine-subscription-scams-investigation. 

I am currently on XXXX with XXXX XXXX. I've seen the same information posted at the XXXX XXXX XXXX, including https : XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX responded to a previous complaint claiming they were investigating again and allow up to 60 days for a response. I noticed both XXXX  and Equifax reporting the same account ( XXXX XXXX XXXX XXXX   ) both agencies reported inaccurate information without proof taking the word of a 3rd party.
Complaint sub-issue: Their investigation did not fix an error on your report

The accounts were not a charge off, they were paid off .. I took care of the accounts and they were paid in full.. Remove this error from my credit report asap XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

I C Systems has been unable to provide proper documentation validating this account. I am seeking immediate action and to remove this negative information permanently from my credit reports. I C Systems is in violation of the HIPPA laws. I have sent multiple letters on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, asking this company to verify this account and I have not recieved a satisfactory response. The only response I have received is a general bill asking for a payment of {$160.00}. This is the letter sent for validation of the account. 
This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under the federal law. Compliance with this request is required under the laws of state and federal statutes. 
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this amount? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or compliants with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
In addition, the Fair Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
I have sent a copy of the request for validation to the three Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation
Complaint sub-issue: Talked to a third party about my debt

XXXX XXXX XXXX SENT MY CHARGED OFF BILL OVER 6 YEAR PERIOD OVER XXXX COLLECTION AGENCIES, KNOWING TELEPHONE ( XXXX ) XXXX WAS USED WITH THE FTC I.D . THEFT REPORT SENT TO YOU IN XXXX WITHOUT ANY CCONCERN. AS A RESULT OF THEIR ACTION DESTRYED MY CREDIT AND NOW HAVE XXXX COLLECTION REPORTING ON ALL CREDIT REPORTS SINCE 2010 IN VIOLATION OF EVERYTHING
Complaint sub-issue: Information belongs to someone else

Someone is using my social security number on XX/XX/XXXX applying for nunberous credit cards and got approved for one in store card at XXXX XXXX there are numberous address on my credit report that I have never lived at..I have only lived in Ohio at XXXX XXXX address XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed with Equifax that I was a victim if identity theft and that these are accounts and inquiries that are reported on my FTC report are fraudulent accounts. I would greatly appreciate your assistance in this matter. XXXX and XXXX have since removed these fraudulent accounts and inquiries. These is always an issue with Equifax following the FCRA guidelines and laws.
Complaint sub-issue: Information belongs to someone else

I had moved to XXXX  on XX/XX/2015 Permanantly. But I had noticed that someone ( maybe my room mate ) had stolen my information and opened the credit card and used it. 
I lived in XXXX and I was in XXXX  for short period of time but I think that happened while I was in XXXX. Please remove it from my credit report. 


XXXX Acct # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

During a credit report check on XX/XX/XXXX for the purpose of purchasing a new home, this account was shown as a collection account for an energy company I used in my last home. I moved from that home, out of state in XXXX of XXXX. The home remained vacant until XX/XX/XXXX. I did not receive any communication from XXXX XXXX XXXX XXXX or MRSBPO at any time to my new address. Once I became aware of this collections account, I immediately contacted them and paid the balance in full. I did not dispute the validity of the debt since I was familiar with the company. I do take full responsibility for this debt and the lateness of it. I did ask the company to delete this collections record from my credit report in good will. For this account of {$180.00} is what is standing between me owning a home and not. They refused to delete the account. Now, my excellent credit has dropped 100 points and I have a Public Record of this account.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I sent certified mail XXXX to LexisNexis Consumer Center it was received on XX/XX/2018. Below is a copy of what I sent, LexisNexis has failed to respond or comply. 
To Whom It May Concern : Be advised this is a notice to inform that your public records information is disputed based upon inaccurate information, and validation is requested. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ( i ) ( ii ), Responsibilities of furnishers of information to consumer reporting agencies. I have the right to request validation of the public records information. I am requesting proof that I am indeed the party listed in public records. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 U.S. Code 1681i, ( a ) ( 1 ) ( A ), Procedure in case of disputed accuracy. And the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) I respectfully request that your offices provide me with competent evidence that public records information is accurate.

Pursuant to the FCRA, Section 611, Paragraph ( 6 ) ( B ) ( iii ), Please provide the following : The name of the courthouse The address of the courthouse The person 's name the dispute was verified with at the courthouse The person 's telephone number the dispute was verified with at the courthouse The documentation used to verify the dispute with  the court The case or reference number The date this dispute was originally validated and verified with the court, BEFORE being furnished to the Credit Bureaus. 
Pursuant to FCRA, section 611 ( a ) ( 6 ) ( 7 ) you have 15 days to provide the requested proof. If you can not provide all of the request proof you must PERMANENTLY DELETE the information from your records pursuant to Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fed. XXXX ; and XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX. 
Best Regards, XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

Cardmember Service is reporting inaccurate on my credit report. It still report as a Charge-Off when the debt on the account was settled in prompt of deletion off my credit report. I dont know how you people determine accuracy when it's a false item on my report & effects me & my family. It doesn't effect CFPB nor Elan. I called the Cardmember Service on XX/XX/XXXX I spoke with a representative who said I owed a balance of {$150.00} but, no further payment was needed & they was going to delete the tradeline. I settled the account back on XX/XX/XXXX of {$350.00} why do I still owe {$150.00}? Negatively reporting as a Charge Off to my report.
Complaint sub-issue: Information is incorrect

I have been denied access to the data in my consumer report that a company Data X has stored in their data base, this company is owned by Equifax. I contacted company in XX/XX/2020 and requested a copy of the report and the information in their credit files. Also Equifax would not allow me to dispute any items on the credit report from annualcreditreports.com unless you sign up for an account which is a monthly charge. 
Data X a company of Equifax will not allow you to get the information they provided to the creditor without filling out a form that includes all your personal information and wants you to submit by mail only and not email but states if they find a report after providing your current ID then it may be forwarded to you via usps regular mail not certified. No report was sent or provided to me.

15USC 1681 SECTION 602SA ; STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTIONG AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The reason for this second request, is to dispute unauthorized inquiries on my credit report. 
Made by : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Request to Remove All Delinquents Credit Reporting With Judges MANDATE From United States Court of Appeals for the Second Circuit Today with Sufficient Supporting Proof In XXXX XXXX favor against United States Department of the Treasury. Social security check garnished every month and bad faith collection not following FTC guidelines by XXXX XXXX XXXX collection company and neglect. 

To Remove All late payments for FedLoan for the past three years because I was in school and Administrative Waiver under Federal law timely file. I was also granted as a matter of law and Sovereign Immunity. 

XXXX XXXX XXXX is desperately collecting and reporting incorrect XXXX XXXX  XXXX XXXX  prepaid card with out proper full disclosure of Truth In Billing Reconciling all payments activities and Federal Truth In Billing Disclosure Act for closed paid initial account paid in full for {$300.00} reported as {$3500.00}. No proof provided just frivolous comments with no bank statements.
Complaint sub-issue: Information belongs to someone else

Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts on my credit report but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file litigation.
Complaint sub-issue: Information belongs to someone else

I recently received a copy of my ( XXXX, XXXX AND XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account number XXXXXXXX XXXX XXXXXXXX. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX XXXX XXXX and the person [ XXXX XXXX XXXX XXXX Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( XXXX XXXX ) and the person ( YOU ) [ XXXX XXXXXXXX XXXX  ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account [ ACCOUNT NUMBER XXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Complaint sub-issue: Funds not received from closed account

My Cash App account has been closed. Its making me create a new account and my account no longer have exists. I have over {$7000.00} in my account and thats literally my whole savings. I desperately need that money. Please help
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Complaint sub-issue: Debt is not yours

medical company ( XXXX XXXX XXXX XXXX  ) failed to use accurate insurance company ( XXXX ), thus never made claim to insurance. ( XX/XX/XXXX ) Billing statement was sent to incorrect address by medical company ( XXXX XXXX XXXX XXXX ). ( No Verification bill was ever actually sent ) Received letter from collections company ( I.C. System, Inc ) about amount due to medical company - ( XX/XX/XXXX ) Bill of {$1400.00} Insurance company ( XXXX/XXXX ) aided in disputing amount due - mailing address updated by medical company ( XXXX XXXX XXXX XXXX ) to receive bill and claim to be filed under correct insurance company ( XX/XX/XXXX ) Mailing address was not actually updated by medical company ( XXXX XXXX XXXX XXXX ), and claim was not actually filed with correct insurance company ( XXXX/XXXX ) as discussed. 

Collections company ( I.C. System, Inc ) again attempts to collect incorrect debt from medical company ( XXXX XXXX XXXX XXXX  ) - find that mailing address was never updated and claim was never filed. ( XX/XX/XXXX ) Bill of {$1400.00} Dispute over debt made with collections company ( I.C. System, Inc ) in order to prevent negatively effecting credit. Put debt in hold with company. ( XX/XX/XXXX ) Summarizing, the medical company ( XXXX XXXX XXXX XXXX ) repeatedly failed to update correct insurance information and correct mailing address ( thus a failure of notification ) and repeatedly sent bill to collections ( I.C. System, Inc ) after attempts to rectify the situation by myself and my primary insurance  provider ( XXXX/XXXX ).
Complaint sub-issue: Can't get other flexible options for repaying your loan

Called on the XXXX of XXXX to discuss why XXXX $ was taken out of my debit account when I can not afford this payment. In order to lower my payments I submitted an income drive repayment plan application. Fedloan sent me a letter saying it was still pending but they needed more information. I sent all correct documents such as my most current tax information. When I called Fedloan customer service they agreed with me in that letter I was sent did not make sense and therefore my application should not be pending. The agent I spoke to, ensured me that my next payment would not be debited from my account because she will suspend it. As of today, XX/XX/XXXX, when I look at my bank statement it says my debit account is XXXX $ because Fedloan RETRIED a payment of XXXX XXXX They are not giving me clear information and clearly aren't following through with the requests i've made. I am also trying to take my account and routing number off of my Fedloan account online and I am unable to do so. I refuse to make any more payments until this situation is rectified on their end.