Johnade/consumer_complaints_cfpb huggingface dataset:
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, 15USC 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 and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$91.00} XXXX  XXXX Balance {$130.00} XXXX XXXX Balance {$42.00} Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX
Complaint sub-issue: Attempted to collect wrong amount

Reported the same debt XXXX on my credit report. I satisfied debt, paid in full. They removed XXXX but failed to remove the duplicate error they caused. They are aware of their error and I have emails with them acknowledging that fact.
Complaint sub-issue: Debt was result of identity theft

LENDING CLUB CORPORATION is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I filed a dispute for inaccurate information and unverifiable accounts with Equifax. They have refused to follow the law as prescribed by congress under the Fair Credit Reporting Act. 
According to the FCRA 15 USC 1681 the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 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 of these accounts are still not reporting 100 % accurate ; and according to the FRCA 15 USC 1681 everything has to be 100 % accurate.

They also violated my rights under 15 USC 1681 Section 604A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 
The following accounts have not been verified under the Fair Credit Reporting Act Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting XXXX  account ( XXXX ) numbers 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agencies can not furnish a account without my written instructions
Complaint sub-issue: Deposits and withdrawals

I ATTEMPTED TO WITHDRAW MONEY FROM MY CITIBANK CHECKING ACCOUNT ( XXXX, NY ) ON XX/XX/22 AND WAS NOT ABLE TO DO SO. I CALLED COSTUMER SERVICE AND WAS TOLD BY THE FRAUD DEPARTMENT ( XXXX ) THAT THEY DECREASED MY DAILY LIMIT FOR WITHDRAWALS TO {$200.00} A DAY BECAUSE MY DEBIT CARD HAD BEEN " COMPROMISED '' AND THEY WERE GOING TO BLOCK MY CARD AND ISSUE ME A NEW ONE. I WAS TOLD THAT THEY NOTICED THE " COMPROMISE '' ON XX/XX/22 ; THEREFORE, I WAS UPSET THAT IT WAS NOW XX/XX/22 AND THEY FAILED TO NOTIFY ME OF THE " COMPROMISE '' OR THAT THEY DECREASED MY WITHDRAWAL LIMIT. I STATED THAT I RECEIVE IMMEDIATE TEXTS AND EMAILS EVERY TIME A PURCHASE IS MADE FROM MY ACCOUNT ; THEREFORE, I WOULD KNOW FIRSTHAND IF ANY FRAUDULENT ACTIVITY/PURCHASES WERE OCCURRING. I TOLD THE REPRESENTATIVE THAT I WANT MY DAILY LIMIT TO BE PUT BACK TO WHAT IT PREVIOUSLY WAS AND THAT I DID NOT WANT A NEW DEBIT CARD BECAUSE ALL OF THE PURCHASES AND WITHDRAWALS FROM MY ACCOUNT WERE ACCURATE AND MADE BY MYSELF. AS OF TODAY, CITIBANK HAS NOT GIVEN ME OFFICIAL NOTICE THAT MY DEBIT CARD WAS COMPROMISED AND HOW IT WAS COMPROMISED OR THAT THEY DECREASED MY WITHDRAWAL LIMT WHICH I FEEL I SHOULD BE ENTITLED TO. THIS IS THE SECOND TIME CITIBANK HAS SAID MY DEBIT CARD WAS " COMPROMISED '' AND I HAD TO GET A NEW DEBIT CARD EVEN THOUGH NO FRAUDULENT PURCHASES OR WITHDRAWALS WERE MADE THEN.
Complaint sub-issue: Personal information incorrect

On XXXX XXXX, 2022 I sent a personal dispute letter to Equifax to correct my address. I also called them on the phone to correct it as well. As of today they will not remove the apartment number from my address. I have sent them a copy of my drivers liscense, a copy of my light bill showing my correct address.
Complaint sub-issue: Didn't receive enough information to verify debt

Please assist, this has really been a problem that has been out of hand and I have also went through you in XX/XX/XXXX complaint # XXXX to get some resolve from this account and have been very unsuccessful. Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses account from XXXX just constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me to XXXX. Now, the debt that isnt mine has been sold to XXXX XXXX XXXX XXXX and this game should not be allowed from them. I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on omy credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. 
I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!
Complaint sub-issue: Debt is not yours

I AM A VICTIM OF AN IDENTITY THEFT, XXXX XXXX XXXX XXXX HAS ASSIGNED THISA CCOUNT TO MS SERVICES LLC COLLECTION AGENCY. I HAVE NEVER HAD ANY ACCOUNTS AT XXXX XXXX XXXX XXXX, THIS ACCOUNT WAS OPENED FRAUDULENTLY AT XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

XX/XX/XXXX XXXX charged through XXXX a balance transfer of {$10000.00} to my mother 's citibank credit card. They also charged on both my father 's XXXX and Citi card as well but I am focusing on mother 's card in this report. I reported the fraud to Citibank and they denied the dispute. They sent me to the Dispute department who also denied my report. 
In XX/XX/XXXX I also reported the problem to the FTC, VT Attorney General 's Office, Vt State Police and the XXXX XXXX XXXX. In XX/XX/XXXX I learned that the FTC tried XXXX XXXX XXXX XXXX Case number FTC Matter/File Number:XXXX XXXX I have reported the XXXX charges again to Citibank and we heard nothing from the company for months i.e. no cc statements were sent to my parents for a period of time and the fraudulent charges and interest continued to grow. My mother just received a letter from Citi dated XX/XX/XXXX stating her balance of XXXX was sold to XXXX XXXX XXXX XXXX c/o XXXX XXXX @ XXXX XXXX XXXX XXXX, SC XXXX XXXX. So basically Citibank denied/ignored that the FTC tried XXXX and that it is documented as a fraudulent company.They then sold a bogus debt ( dollar amount ) to the debt collector. My fear is that this has gone on with CITI for 3 years and now my parents will be harassed by this debt collection company.
Complaint sub-issue: Information belongs to someone else

COMPANY IS REPORTING INFORMATION TO MY REPORT THAT EXTENDS FROM MY INFORMATION BEING LEAKED IN A DATA REPORT. PLEASE DELETE FROM REPORT
Complaint sub-issue: Indicated you were committing crime by not paying debt

I've attempted numerous times to get this account taken care of. Its past the XXXX, it's reporting incorrectly and needs to be deleted immediately. You guys are on a recorded call violating all types of laws and I am not going to stop disputing this inaccurate and unverifiable account. Please send the Archive File. Do not respond in any way other than through this CFPB portal. If you respond in ANY way other than through here, I will consider that harassment. Also, while the tradeline is under investigation, it needs to be deleted. Please do so. TIA
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i, XXXX XXXX have never applied for credit application or any inquiry with AFNI. AFNI is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report on date of XX/XX/2020 without my consent
Complaint sub-issue: Debt was result of identity theft

My credit report is being hurt by an account that isnt mine.
Complaint sub-issue: Other problem getting your report or credit score

I have talk to Equifax several times regarding my credit report. My account from Equifax, is not showing all of my correct accounts. Ive talk to an supervisor XX/XX/XXXX, to remove the fraud alert and remove the incorrect date of birth from my my credit report. Equifax had two DOB XX/XX/XXXX, XX/XX/XXXX for me, my correct birthday is XX/XX/XXXX. However XX/XX/XXXX account had all of my correct credit information. They were supposed to update and merge my correct birthday. XX/XX/XXXX had incorrect information on that credit file. Proof to show, that account from peoples commerce was removed. My score is incorrect, it still has not updated. My accounts are incorrect, it still has updated. The supervisor gave me confirmations that my credit report was updated and it still has not. I have many positive accounts, none is showing on my credit report. Im in the process of buying a home, however so can not because my credit report is not accurately reporting.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX, XXXXXXXX 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: Received bad information about your loan

Discover does not provide adequate access to loan information for their borrowers, including important agreements to the terms of their loans. The loan statements are intentionally misleading and represent inaccurate interest calculations. My private student loans were bought by Discover from XXXX XXXX for an initial principle of {$34000.00} which is the combined total of XXXX ( XXXX ) different variable rate loans. The monthly statements indicate the principle balance, interest rates, and loan balance ( principle + interest ). However, when you calculate the interest rate based on the principle loan amount the loan balance indicates a significantly higher amount, misleading consumers that Discover 's arithmetic is inaccurate. When I called Discover student loans regarding this dependency, I was told that it is due to what they call " Capitalization '', which I was told by the representative is essentially a compounding, or double charged interested to my principle. This type of action would be in violation to the terms of my loan. When I pressed the representative on this issue, she decided to transfer me to someone else ( XXXX ) who was in what she called a " Specialty Department ''. After asking what this specialty department was, I was told that was a misrepresentation and he was just the acting supervisor. He later explained that what the previous representative said regarding compounding interest and double charged interest was not technically accurate. He began to tell me that it was something that most borrowers do n't think of or know they are agreeing to most of the time and agreed verbally that this was an underhanded practice. XXXX informed me that I agreed to all of this in my " Promissory Note '', which I do not have access to. Discover purchased my loans from XXXX XXXX in XXXX, however, Discover only gives me access to statements dating back to XX/XX/XXXX. So in short, my complaint is Discover 's lack of loan information, misleading or incomplete information on loan statements, and misleading information by representatives in customer service. It is clear that Discover Student Loans have not made the necessary improvements since the ruling of their XXXX class action lawsuit charging them with similar sloppy, misleading business practices. When will student borrowers get the protection they need from these crooked student dept holders??
Complaint sub-issue: Information belongs to someone else

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all 3 credit bureaus on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Account information incorrect

At the end of the lease, I purchased a new car from the same dealership ( XXXX XXXX of XXXX ). They agreed and documented that they would pay any balances ( mileage and wear/tear ) on the leased vehicle I was turning in. The finance company is saying they never received payment. I provided both the Dealership and finance company with a copy of the We Owe/You Owe contract and the Deal Recap document from the dealership but the finance company says thats not enough, they want to hear directly from the dealership ... the Dealership will not return my calls anymore nor contact the finance company. The finance company has no notes stating that the dealership has tried contacting them.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I received a collection letter from PMAB , LLC dated XX/XX/XXXX regarding a medical debt. I responded to the letter within 30 days dated XX/XX/XXXX and requested validation of the debt. I received a response from PMAB , LLC dated XX/XX/XXXX that the debt was returned to the client and closed off my credit report. PMAB, then reported a collection debt of {$1900.00} to my credit reports XX/XX/XXXX. 

I am filing this complaint because PMAB failed to send validation of the debt and PMAB is falsely reporting a collection of {$1900.00} to my credit reports that they do not own. They sent the collections account to my credit reports after providing me with documentation that the account was closed and returned to the creditor.
Complaint sub-issue: Other problem getting your report or credit score

This complaint is about Equifax. I had placed a freeze in my credit with all three credit bureaus. I am in the process of refinancing my mortgage so I tried to lift the freeze temporarily. I manage to do it with the other credit bureaus but have been unable to do so with Equifax. When I tried to sign in I was told my user name or password was wrong. I clicked on the link to reset the password which should result in getting an e-mail but nothing happened. I tried at least 15 times. I decided to call. After answering all the questions from the automated system, which took a while, I finally was passed through to a customer service where I waited for a long time for someone to answer. When the person answered she told me the system was UNAVAILABLE and to try in a few hours. I waited 5 hours and tried again with no results trying to get the e-mail link, then called, went through the automated questions and after all that got a recording saying customer service center is closed for today. This credit bureau should be disqualified. It is inept. These companies play a crucial role in every aspect of our life and for them to fail to provide proper service there should be consequences to them. Maybe we should have only 2 credit Bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Complaint sub-issue: Sued where didn't live/sign for debt

XXXX XXXX sued me where I did not live on XXXX alleged accounts they say I owe. They sued me in XXXX County Justice of the Peace Precinct XXXX, when I live in XXXX County over XXXX miles away. I gave them my address and contact information, however they continued to pursue the suit in XXXX County. It was n't until I informed them that I would exercise my right under the Fair Collections Act did they finally drop the suite in XXXX XXXX. They knew of my address long before they filed suit in XXXX County and even used a XXXX lawyer that was located less then XXXX miles from my home to process the suit in XXXX County, even though they have many lawyers in XXXX XXXX that handle local lawsuits for them. They were hoping I would not notice the lawsuit and I would n't have noticed if it was n't for a local lawyer soliciting his services to defend me and informed me I was being sued by XXXX XXXX. I have denied this debt to them and even sent them a validation letter once I got word of the suit. They never notified me of the this debt prior to filing these suits as well as filling it in the wrong county XXXX miles from my residence. The following alleged accounts they say I owe include ( Citibank ending XXXX ) and ( XXXX XXXX ending XXXX ).
Complaint sub-issue: Information belongs to someone else

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.