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

YOU BROKE THE LAW Please carefully read the following. 

Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). 

I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft.

I demand you remove the following address and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court XXXX XXXX XXXX. / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX/ XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I dont ever recall giving you EQUIFAX any consent to furnish anything on my credit report nor did you ask for permission as you are required, im aware that i can opt of of your agency which has violated my rights but pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnished on my consumer report it has caused me major financial distress and has caused me to lose my confidence in the banking system. This has been an invasion of my individual privacy. If EQUIFAX wants to continue doing business with me, They should delete these inaccurate accounts off my consumer report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/19 my Sears MasterCard was charged {$3600.00} by XXXX without my prior authorization. I called XXXX and they cancelled the subscription but imposed a " 6 % processing fee '' of {$350.00}. I filed a dispute with MasterCard. They concluded that XXXX was correct. MasterCard did not provide evidence that I had authorized the charge nor the 6 % processing fee.I also filed a dispute with XXXX. XXXX  also concluded the charge was correct without providing any rationale for their decision. 
I had used this card for 45 years and had paid all legitimate charges during that time. 
For MasterCard to conclude, without evidence, that I suddenly decided not to pay a legitimate charge is unreasonable.
Complaint sub-issue: Reporting company used your report improperly

Summary : Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.Criminals took advantage of a " U.S. website application vulnerability to  gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
How it relates to me : I used the site www.equifaxsecurity2017.com to check if I had potential impact. I did not sign up for their credit monitoring service following the check. I got the notification that " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident ... '' which means my information was indeed stolen. This is a violation of my credit report data because Equifax stored my data improperly, resulting in the ability for the hackers to steal it. As far as I can tell, my ( and others ) data was stored in plain text and not encrypted.
Complaint sub-issue: Investigation took more than 30 days

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has been longer than 30 days and I haven't seen any updates or received any protection from the bureaus.
Complaint sub-issue: Investigation took more than 30 days

I have tried reaching out to Equifax by mail on XX/XX/2021. I did not receive any response back from Equifax, so got an affidavit of truth written up. Then I mailed it in to them on XX/XX/2021, after having it notarized and signed. It is now XXXX, XXXX, 2021 about 2 months later and I still have not heard anything back from Equifax. When doing some research about the laws I have, I found CFPB. So I am requesting that CFPB please reach out to Equifax and have them fined for not upholding the law O.C.G.A. 15 usc 1681a ( d ) ( 2 ) ( B ).
Complaint sub-issue: Public record information inaccurate

After several requests, Certified letters, online complaints, and long waiting : Please accept this as a PROCEDURAL REQUEST LETTER to verify a bankruptcy being reported on my Equifax credit report. I do not accept a third-party reporting service co-owned by Equifax. ( XXXX ) This is required under the FCRA section 605. Please advise how this item is verified as we have checked with the reporting court and they have no information from Equifax or anyone for that matter requesting verification. I have also requested in writing from the court to provide correspondence of same. I request XXXX to supply me with a verification letter regarding this matter or remove the reporting from my credit report immediately.

Also according to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX  bankruptcy can remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade.

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy can be removed from a credit report before that limit is reached.

Upon providing this information to you I am requesting that the bankruptcy be removed immediately due to unverifiable proof and that under the FCRA this item can be removed prior to the maximum time limit.

I am also forwarding a copy of this request to my attorney XXXX XXXX XXXX to which you have on file. Please correct this matter immediately and provide me an updated credit report.
Complaint sub-issue: Account information incorrect

I traded my car in on XX/XX/2020 for a new car but my credit report is still reflecting a balance on my credit report.I reached out to XXXX multiple times and they keep hanging the phone on me.I show multiple accounts 0n my credit report which is hurting my credit score.I am asking for them to update my report paid in full.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$2000.00} ; XXXX XXXX Balance {$4500.00}.
Complaint sub-issue: Received bad information about your loan

I called MOHELA to enquire about student loan forgiveness and where I stand on the issue. Multiple people acted as though they had not heard of the short term rules where some payments that didn't count in the past were eligible until XXXX. After reading them the info from a government website they said they would have to look into it. 

After that, MOHELA was supposed to send me all of the information they had on my past payments since XXXX. It has been more than a month since the first promise to send that information through the mail because they stated they could not send it electronically, and I still haven't received anything.
Complaint sub-issue: Debt is not yours

Leased Ended with XXXX XXXX XXXX in XX/XX/2021 with XXXX XXXX XXXX  in XXXX XXXX, LA. I paid all debts and received final invoice showing XXXX balance. I do not owe any further debts.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : UNKNOWN XXXX there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Old information reappears or never goes away

Despite the fact that XXXX XXXX XXXX notified all 3 credit bureaus to remove an account from my report on XX/XX/2019, and I continue to fax copies of the letter from this collection agency confirming this, Equifax continues to list this derragatory information on my credit report and have cause me to get denied for a loan. Equifax also continues to list a hard inquiry from XXXX after being informed by XXXX to remove this inquiry on XX/XX/2019.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them
Complaint sub-issue: Problem getting my free annual report

I went to Equifax on line site and filed a request for my credit report they wanted {$10.00}. I did n't see where there was a free option available. After filling out the required information my request was rejected. I then received an email stating that I had tried to excess my account and that it had been rejected there for the account was locked and to call their number on the msg. When I called the number I talked to a lady who did n't speak my kind of english and I could n't get enough information across to her to take care of my problem. I finally gave up. I want my score and I do n't want to pay {$10.00} for it this is the first time in years I 've asked for my score.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax XXXX account XXXX is being reporting inaccurately by Equifax and entire credit history need to be updated to show paid as agreed on time. Equifax didnt correct this report to report the accurate late payment history and now this is false reporting by Equifax. If Equifax cant furnish documentation directly from Freedomplus proving I was 30 days late consistently on the dates reported the entire late payment history needs to be updated to show paid on time never late because of false reporting by Equifax. False reporting of this account by Equifax is a violation of the FCRA requirements. 

Equifax didnt report the notice of dispute with this account after my first dispute this is now a violation of the Fair Credit Reporting Act requirements by Equifax for not reporting the notice of dispute.
Complaint sub-issue: Investigation took more than 30 days

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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 of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Complaint sub-issue: Information belongs to someone else

There are fraudulent accounts on my Equifax report resulting from identity fraud. I have tried to work with them as well as the creditors to have these items removed. Even with companies requesting a removal, Equifax refuses to remove the XXXX XXXX XXXX and XXXX XXXX accounts from my report. These accounts have already been successfully removed from my XXXX and XXXX  reports.
Complaint sub-issue: Investigation took more than 30 days

To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine. 

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXX showing on XXXX and XXXX 2. XXXX XXXX - XXXX that is showing on XXXX and Equifax 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX XXXX I was never 30 days late in XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; Equifax is reporting inaccurate lates 4. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX XXXX XXXX XXXX and Equifax is reporting inaccurate lates 5. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates The following address information is not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

This company has several derogatory marks on my accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I received an email from Equifax stating my dispute results were available online to be viewed. I attempted to login to Equifax to receive this and had to reset the password, which they sent me the link to change and then after resetting the password and attempting to login I get a message to call Customer Care at Equifax. So I do this call them and have to enter all my information in an automated system : social, phone number, date of birth , street address number and zip code. I then finally get sent to a representative who is foreign and can barely speak English. She  proceeds to ask me all the same information again and the dispute number from the email. She then asks me to verify who my mortgage is through. I told her I do NOT have a mortgage, she says, '' well then I can't give you the information because it says you do. '' I told her I don't I filed bankruptcy and it was discharged XX/XX/XXXX so I am not eligible for a loan! She proceeds to say well you need to send in your license. Have a nice day..What??? I three weeks before this unable to file a dispute online, filled out the form and faxed it to them with my license!!! 

I am getting the run around and can not get my updated credit report or dispute status. I have already sent the license and she did not even tell me where to send it AGAIN!!! She hung up on me. This is ridiculous that they have all the information but will NOT give me mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received my credit report and became aware that there are 9 fraudulent hard inquiries on my credit report. I did not apply for anything. There is no way possible I should have any hard inquires when the law states that they should only remain on a persons report for only 2 years, this inaccurate information is hindering my credit report. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2022
Complaint sub-issue: Debt was result of identity theft

Company is fraudulently reporting a debt taht does not belong to me. This company is in numerous of violations of my consumer rights I've attached my affivadavit below in this complaint listing all violations
Complaint sub-issue: Personal information

They have person information on my credit report that is inaccurate. I would like to up date and remove any person information that is n't current. Names, address and phone numbers.
Complaint sub-issue: Account information incorrect

Citibank is incorrectly showing balances on my account that have been paid. I have tried several ways to notify them that they are incorrect. They will not respond or correct it.
Complaint sub-issue: Deposits and withdrawals

XXXX - XXXX : Initiated an ACH transfer in the amount of {$15000.00} from my Discover online savings account to a different non-Discover online savings account ( XXXX Bank ) XXXX - XXXX : Received email notifcation from Discover Bank regarding account suspension due to " unusual account acitvity '' and was told to call Discover " immediately '' to resolve. This account suspension led to my ACH transfer of {$15000.00} being frozen ( i.e. the money did not sucessfully transfer to my XXXX XXXX XXXX ) XX/XX/XXXX through XX/XX/XXXX : Initiated phone calls and suffered hold times varying from XXXX0 minutes to over 3 hours to no sucess in attempting to be put in contact with an employee from Discover 's security team who reportedly was the only one able to help me unlock my account This is UNACCEPTABLE both the lack of customer service/care and to hold my money frozen unable for my use when I NEED it.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
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 found still 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. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$630.00}
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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