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

YOU BROKE THE LAW EQUIFAX Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). 
This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. 
Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. 
Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights.

Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy.

Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation.

Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i )
Complaint sub-issue: Account information incorrect

XXXX XXXX ( " XXXX '' ) has consistently and willfully failed to update my information to major credit reporting bureaus within a timely manner. They have failed to update in XX/XX/2018 and failed to include my monthly payments on my credit report. This has led me to be denied for several mortgage loans strictly because of XXXX 's inability to furnish timely and accurate information to the credit bureaus. 

My monthly payment should be listed at {$160.00} instead of {$0.00}.
Complaint sub-issue: Reporting company used your report improperly

Step 1 : What is this complaint about?
This week Equifax announced the massive data breach. Using their site they confirmed that my information was compromised.
Step 2 : What type of problem are you having?
My social security number and other credit information was improperly handled.
Step 3 : What happened?
Equifax was hacked and my information was leaked.
Step 4 : What company is this complaint about?
Equifax Step 5 : Who are the people involved?
143 million people
Complaint sub-issue: Personal information incorrect

It has come to my attention that continued requests for removal of multiple incorrect addresses appearing on my credit report are still entered as home or residence locations on my credit report. I certify that I have never lived at any of the locations listed. I have been at my current home for the past 16 years. 
This information has led to many negative occurrences to my credit and life. 

This is a demand to again, remove these addresses!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Complaint sub-issue: Problem getting a working replacement card

I applied for a credit card, and was approved back in XXXX. My card and pin were supposed to get to me 10-15 days after. Both in separate envelopes. I did not receive either of them. I sent a message, and they asked for my address again. I gave them my address again, and they said they would resend it. So I waited AGAIN another 10-15 days. I have been sending messages to find out where my card is, and I just keep getting the run around. After waiting more than one month for my card, one of the messages that I got back stated that it could take up to 30 days to get my card. That is not what is advertised, or what was said to me in my previous responses. This is poor customer service, not to mention that they have not offered any type of solution. I applied for the card because I needed it.
Complaint sub-issue: Personal information incorrect

I was the victim of identity theft and during that incident there was a fraudulent address attached to my credit profile. I petitioned all of the major credit reporting bureaus to remove the information due to the information being erroneous. Equifax still list the fraudulent address as a previous address. There are no accounts or information to validate the address ever being attached to me in any way. Equifax will not correct the problem and totally remove the fraudulent address.
Complaint sub-issue: Reporting company used your report improperly

I was part of the millions of people who whose accounts were compromised with the Equifax security breach. I 'm very concerned about identity theft and a company of this size should be more careful with their fraud procedures.
Complaint sub-issue: Attempted to collect wrong amount

XXXX is the company.

This was discharged in Bankruptcy as listed on my credit reports of Equifax and XXXX.

On my XXXX XXXX, it does state Discharged in Bankruptcy which is correct. 
What is NOT correct is that this account is listed by XXXX XXXX under collections. My lawyer has advised that once an account is listed, it must have a XXXX   balance, and closed along with no negative information other than the remarks of Discharged in Bankruptcy. 

I have contacted XXXXXXXX XXXX  and they advise me to contact Equifax, XXXX  and XXXX. 
I have contacted all three of them and they have confirmed that per their files, XXXX, Equifax and a XXXX  that this accounts is not listed as collections, but Discharged in Bankruptcy.

The issue I have is that XXXX XXXX states the information is correct as listed.

I dont understand why no one from XXXX XXXX  can correct this. The 3 comp
anies confirmed it was discharged and closed.

XXXX XXXX   will not remove this account from collections to closed.

This is fraudulent information on my XXXX XXXX  account from an agency that sends out my credit information and score. 

Please help me I have been going back and forth with them, no one will help me, they keep saying investigation confirm, this account is in Bankruptcy. 
Which I have advised for the past 8 months, that is true. 
I want them to move my file to closed. 
What can I do, this is nit right. Can you help me on this please and advise, what I can do.
Complaint sub-issue: Their investigation did not fix an error on your report

I have explained to Equifax that these accounts are fraudulent accounts. I have provided all requested documents but these account remain on my report. Please delete these accounts.
Complaint sub-issue: Banking errors

My account was transferred to PNC bank from BBVA compass bank and I received 2 micro deposits from XXXX XXXX XXXX for XXXX cents and XXXX cent so they can verify my new bank account and then they withdraw the total of XXXX cents. PNC bank made a mistake and cancelled the 2 deposits from XXXX XXXX XXXX and just kept the withdrawal of XXXX cents and that is a huge mistake for a big bank like PNC to make. My balance was reduced by XXXX cents and the deposits of XXXX cents and XXXX cent were cancelled or dropped by PNC bank. I want to know how PNC bank can make a mistake like this and they should rectify that mistake and fix my account
Complaint sub-issue: Billing problem

Flagship Credit has continuously reported increasing balances. By law after 30 days is late!

I have never paid past 30 days. Because if COVID 19 and this pandemic I have not paid on the due day exactly but never late! I am granted grace period. They are dropping my score reporting increased balances. Where are the increases coming from? It is not legal!!!! They financed this car that breaks down and not even reliable and 3 months later the dealership closed, Im seeking out this loan ASAP! Nothing but fraud, high interest! They report incorrectly!!!!! Inaccuracies in balance and I am known going to seek action.
Complaint sub-issue: Their investigation did not fix an error on your report

They have XXXX XXXX XXXX XXXX reporting open on different dates on each of my credit reports, more inaccuracies hurting my credit.
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, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States 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 USC 1681c. ( aX5 ) 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 ( AX ( 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

Equifax refuses to remove known inquiries that are hurting my credit. I have contacted the company several times and they refuse to remove the inquiries. They told the CFPB that they sent me investigation information which IS NOT true at all. They have yet to send proof of my consent to these inquiries as asked and I want them removed immediately.
Complaint sub-issue: Information belongs to someone else

I filed an identity ftc report because I found inaccurate accounts on my credit report and nobody has helped me.
Complaint sub-issue: Reporting company used your report improperly

According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXXXXXX XXXX XXXX
Complaint sub-issue: Can't get other flexible options for repaying your loan

This is the second time I have requested a reduction in payment from Great Lakes and received a notice 2 months later that my payment was over {$100.00} more than when I submitted. It turned out the first time XX/XX/XXXX they lost my paperwork. I had to reapply, all the time the interest continues to build.I am having this problem with Great Lakes again. I contacted them very upset. The agent took my information, saw my application sitting in the system and did something to cue it. Again, interest still adding up. I received a phone call from someone who identified themselves from Great Lakes who offered me a year payment of {$1400.00} per month which was lower than the {$1500.00} I was paying. This was a major expense and many times left me without money to pay utility bills and buy food. In XXXX, XXXX my husband had a XXXX XXXX. His company outsourced their tech services and the technicians were picked up but at a cut of {$10000.00} less in their salaries. I contacted Great Lakes again in XX/XX/XXXX as I was not able to make the payment. The agent asked me if I thought of submitting a reduction in payment application or whatever it is called and I told her that I did that last year, but the effort and annoyance only yielded me {$100.00} less, barely. She gave me an estimate over the phone based on the information I could provide which was significantly lower than what I was currently being asked to pay. I had the paperwork of everything she used to get the estimate, so my numbers were accurate. Again, I submitted my information and on this past Friday received notice from Great Lakes that on XX/XX/XXXX my payment would be {$1500.00}. I sincerely believe Great Lakes is intentionally causing significant interest accumiliations on my student loan account. As it is, my account has swelled significantly since dealing with them. I am so disgusted with them. No company can be this inept and continue to operate millions of dollars. How much has their inability to process my request cost me, twice over, in interest costs. The fact that I have another student loan separate from this one allows me to receive a reduction. I am not even able to complete my doctoral work because I have taken my all of my classes less 1 credit which I need when I defend my research findings and need to finish my dissertation but the student loan system does not allow a stop on your loan if you don't take two courses. Now XXXX College is requiring you to be enrolled to defend your proposal and I can't afford with my student loan payments. 

I hope CFPB can help me to acquire doable solution.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX has numerous inquiries on my Equifax ( XXXX XXXX XXXX XXXX ) report. Also an attorney has requested information on my employment. I do not nor did authorize them to inquire on my report. Unless they have my approval I want No one looking at my employment history Furthermore XXXX XXXX  never had my authorization to report back in XXXX nor did XXXX XXXX  have my permission in XXXX The only place is XXXX XXXX and I want top limit my report to just 1 year of reporting not 4 years of bimonthly salary. My salary should never be available for the world to see I tried to call Equifax workplace 4 times and they had me on hold for an hour each time which is unacceptable as well I want all items over 1 year cleared from my account along with and inquires by unauthoirized people denied concerning my XXXX   XXXX XXXX Account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written consent. 

XXXX saw this error and deleted the accounts in XX/XX/2020!
Complaint sub-issue: Public record

I want my bankruptcy removed from my credit report. I have satisfied the time limit of it being on my credit report. I would like it removed please.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2021 I initiated a transfer of funds, {$1000.00}, from my previous bank account with XXXX XXXX to Citibank Online. I had opened a checking account on XX/XX/2021 with Citibank Online. On XX/XX/2021 I had tried to transfer more money into the account only to receive an error saying that Citibank was not responding. 

Upon checking my email following the above, I filled out a documentation form requesting my drivers license and a proof of address. After this I called customer service for Citibank. 

I spent the next four hours speaking with various customer service representatives over the phone and using the chat function on the Citibank App. I was informed that my account had a hold on it for a {$0.00} transaction that was only visible to the customer service representatives, and not to me. Thus my account is under investigation for next 7-15 business days. With no way to resolve it. I was also told that I could not expedite the process, even though all funds I possess were in that account. I was also informed I could not transfer my funds out of the account, nor access them in anyway until the department was finished with the investigation. I was never able to speak with a supervisor or manager upon request to verify this information, though I requested to do so multiple times. My money is on hold for no discernible reason. I also was hung up on by customer representatives multiple times, and treated without care or resolving my issue. I was also refused the number of the team that would actually be resolving the hold on my account, being told that the " backroom team '' would be taking care of it.
Complaint sub-issue: Attempted to collect wrong amount

Conn 's Retail Furniture sued me for a debt I didn't owe. They have, for months ignored my requests to verify the debts they are reporting to the major bureaus. They are reporting 3 seperate accounts, with seperate amounts due. The first account is {$1700.00}, next {$1200.00} and {$0.00} for the 3rd account. They sued and subpoened me in XX/XX/XXXX, and I entered a plea of not guilty. When I contacted the firm, they only wanted to discuss payment options. They have continued to report 3 seperate negative accounts, adversely affecting my ability to obtain the purchase of my first home. In XXXX of XXXX, they refused to respond to my request I sent for verification of the accounts. They received it via certified mail on XX/XX/XXXX. As of XX/XX/XXXX, they are still reporting derogatory information. 

This month, Conn 's changed the amount I owe to {$1900.00}, without notifying me of the changes.
Complaint sub-issue: Old information reappears or never goes away

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax credit reporting agency for violations of the Fair Credit Reporting Act ( FCRA ) and other consumer laws. Specifically, Equifax has failed to report my personal and account information with accuracy and fairness, in violation of 15 U.S.C. 1681e ( b ). Additionally, Equifax has violated my privacy rights by allowing promotional and account review inquiries to my account without my explicit written or oral consent, in violation of 15 U.S.C. 1681a ( d ).

These violations have hindered my ability to utilize the banking system fairly and have stifled my financial success. I request that Equifax be held accountable for these violations and that immediate action be taken to correct the inaccuracies in my credit report. In particular, I request that Equifax correct the following inaccuracies in my credit report : Inaccurate credit card usage Incorrect number of collections accounts Incorrect number of accounts 60 days late or more with a derogatory indicator Incorrect number of accounts with missed payments or derogatory indicator Incorrect ratio of revolving balances to my credit limits I would like to cite the following legal citations violated by Equifax in support of my complaint : FCRA, 15 U.S.C. 1681a ( d ), which places the burden of proof on the credit reporting agency to provide the most accurate information.

FCRA, 15 U.S.C. 1681i, which affords consumers the right to dispute inaccurate or incomplete information in their credit reports.

FCRA, 15 U.S.C. 1681a ( e ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

As a result of these violations, I am requesting the following actions from Equifax an immediate update to the score factors in my credit report to reflect the accuracy of the report, as required by law.

I request that Equifax delete multiple outdated repetitive addresses reported in my credit report ( some XXXX - XXXX XXXX XXXX ) and only indicate my current legal address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). Additionally, I request the immediate deletion of all unauthorized promotional inquiries, account review inquiries, and any third-party supplemental information that violates my privacy rights. 

I also request that Equifax comply with the FCRA, which affords consumers the right to dispute inaccurate or incomplete information in their credit reports. Pursuant to 15 U.S.C. 1681a ( d ), the burden of proof is on the credit reporting agency to provide the most accurate information. Therefore, I request the immediate deletion of all information that violates my privacy and the accuracy of the information in my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Debt resulted from identity theft

AMERICOLLECT INC ACCOUNT NUMBERs:XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX