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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Report # XXXX Dob XX/XX/XXXX I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. <P/>The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible HARD INQUIRIES XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX, Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX , XXXX. Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX Please remove these inquiries from my credit report immediately. Thanks XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

lexisnexis consumer center provided information to XXXX XXXX is incorrect. They state I had a speeding ticket on XXXX18 I have not had a ticket in over 40 years. They state I had an accident on XXXX18. I have not. My mother was driving my car and she did have and accident my insurance company did pay. I was not there. I tried getting a hold of this company but you can not They say that they will send a copy of my report within 30 days but my insurance company cancels my policy in 17 days I paid for a copy of my driving transcript with wa state dol and there is nothing on my record XXXX is my auto company coverage and they show nothing So I want to know where they are getting this information?
Complaint sub-issue: Transaction was not authorized

CitiBank/CitiGroup has instituted a policy that incorporates monitoring and denial of financial services to individuals and companies who are engaging in completely legal and Constitutionally-protected activity, thereby potentially limiting access to credit by law-abiding citizens based solely on political views. A summary of this policy can be found at XXXX XXXX XXXXXXXX.
Complaint sub-issue: Problem getting report or credit score

I can not access my credit reportmy information does n't match with the credit bureauI applied for numerous credit cards and got a denied answer based on the fact that the can access my information to verify my credit.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/XXXX I mailed my dispute letters out to the credit bureaus, I have not received a response back in a timely matter. They had 15 days and didn't response this matter should be removed.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. My name is : XXXX XXXX Please delete any other variation. my current and only address is :XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Qualify for a better loan than offered

I attended XXXX XXXX, a XXXX school, and was encouraged to apply for a Genesis student loan with the understanding I would have a XXXX high paying job. After over XXXX months looking for a job as a XXXX I am working XXXX hours a week @ {$XXXX} an hour and have over {$9000.00} in student loan debt. I do not believe I was given honest information and the loan was not reasonable for me to take out.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE LISTED ITEMS ON MY FTC REPORT FROM ALL OF MY CONSUMER REPORTS
Complaint sub-issue: Other problem getting your report or credit score

This started about XX/XX/2020when I was tried to purchase a car. A salesman pull my credit report and score to sale me a vehicle. I was denied. I went on line to retrieve my report. I got 2 reports Equifax stated " NO SCORE '' I called them to ask them to remove the freeze, If there was one there. The representative said that she did not see one. She said " she will mail me a copy of my report and score for free ''. I received the report and score about 10 days later. XX/XX/2020,. I tried to get a loan and was denied again. I repeated the same process and was told the same " no freeze '' The representative asked me to go directly to www.equifax and I will have a 30 day free trial. Stated that anyone who I give permission will be able to see my report. I printed a copy of my report and score. aboutXX/XX/2020 I applied for a loan and was denied again after Equifax representative told me that I would have a 30 day free trial and that Anyone will be able to retrieve my report and score. I tried to pull my report just to check and report still said, " NO SCORE '', I continued to check and at the same time talking to Equifax representative to find out what was going on she was telling me that she saw no problem on her end. Stated that they had a problem about 2 years ago with a scam. She also tried to tell me that no one has been reporting about my credit. I stated that, that could not be true because I had been applying for loans every since XXXX. On the reports that I received by mail and printed. It had all updated information.
Complaint sub-issue: Talked to a third party about my debt

This debt is a bounced check with XXXX XXXX XXXX. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently? 
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information
Complaint sub-issue: Information belongs to someone else

MY NAME IS XXXX XXXX. I AM A VICTI OF IDENTITY THEFT. SOMEONE IS DESTRPYING MY CREDIT. ITS MAKING MY LIFE MISERABLE. I AM TRYING TO GET MY BUSINESS GOING AND THESE FRAUDULENT ACCOUNTS ARE HINDERING ME. IVE TRIED TO DIPSUTE THESE ACCOUNTS BEFORE AND THEY KEEP HAUNTING ME. CAN SOMEONE PLEASE HELP ME.
Complaint sub-issue: Didn't receive advertised or promotional terms

On or about XX/XX/2019, Citibank, N, A., via XXXX XXXX, induced me to apply and get their credit card with a special offer of {$200.00} reward bonus if I spend {$1000.00} in the first 90-day period. After I completed my part of the offer, they arbitrarily swish spending amount to {$1500.00} without informing me. I believe this is consumer fraud of bet and switch by the Citibank. This was all done on the line, they have all the documentation and I have none.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are hard inquiry 's from this company showing on my credit report. I have never applied from credit from this company.
Complaint sub-issue: Didn't receive enough information to verify debt

Enhanced Recovery Co at XXXX XXXX XXXX. XXXX, FL. XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. this company does not have a contact with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

I did not receive anything from this company stating a debt was owed. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

The amount was paid and they did not remove this item from my credit report. I have called several times and get the run-around from all of their reps as to why this is still reporting as a collection. 

I disputed the item with Equifax and was told in a letter that the account was updated but it was not removed from my credit report
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX  XXXX XXXX Credit card : XXXX is lost/stolen. There are fraudulent charges/transactions on the account.
Complaint sub-issue: Information belongs to someone else

Im trying to reach out back about from when I got denied for my apartment and saw several items on my credit that was not mine. I still see some of the same items on there. Please remove from my creditXXXX and these inquiries XXXX XXXX/XXXX XXXX XXXX   XXXX I 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. I have contacted the FTC and local police.
Complaint sub-issue: Attempted to collect wrong amount

I purchased a stove from XXXX in XXXX, ma using their Why not lease it now credit purchases programs based in NH. Tel XXXX and address is XXXX XXXX XXXX XXXX XXXX, NH XXXX. After about I made 4 months of on time payments and then I had called the company thinking I would be able to make my final payment and I had contacted XXXX who is the the manager of the manager of the company stated on phone that none of my my payments counted toward the balance because it is a lease. He also admitted on the phone on a recorded call that the sales representative at XXXX mispresented the terms of the lease and he said I signed a contract. However XXXX doesn't give you a contract they provide you with a receipt that you sign in tiny print. I was told that I passed the deadline within a month to pay the stove off and I had to pay the whole balance of {$240.00} which meant all the payments I made since the lurch date back in XXXX of XXXX every 2 weeks did not count towards the purchase price. So they then explained my options was to keep leasing it or returning the stove. I feel it was. It right they were not transparent about the supposed contract as I was under impression since they don't explain they contract terms week that if you don't pay within 90 days it later turns into a lease agreement. I had no idea that they would count all the payments I made as lease payments. That's why I feel they are deceptive the way the program is treated as a credit program as I though my payments within the 90 days would have counted towards the balance. They uses very deceptive tactics and this was a very cheap syove over not worth all the money I feel I was robbed out of. They need to recompense me as I feel they were unfair business practice at least refund me monies that I applied toward the initial 90 day period. They made this way more complicated than it had to be and I have vision issues so handing someone a receipt with tiny print at a XXXX cashier is very unhelpful in this situation.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent a letter dated XX/XX/2022 with accompanying documents to all three credit bureaus via Certified Mail asking to change my name and XXXX XXXX  ( where applicable ) in all of their systems. I specifically requested that my name be reflected in my credit information, including my online accounts as neither credit bureau lets you update it yourself or online. I spoke with each credit bureau separately to get the current instructions to update my name and XXXX XXXX in their system and included every piece of information they asked for in this letter and I made the same specific requests I listed above in my letter. I also included copies of my court order approving my name/XXXX XXXXr, my driver license, a pay stub, and a bank statement. None of the bureaus let you go through the dispute process to do this. About a month or two later ( unfortunately, I don't remember the exact date. ) I got a random credit report in the mail with zero explanation of my dispute. I saw that my legal name was listed in my report and that was it. To date, I have not received a single piece of information about my dispute, what was done about it, conclusion of it, etc. I have no idea what is going on with my information. When I log into my online accounts, it still has my dead name on my accounts and it is very frustrating and distressing to see it when it should an easy fix. Throughout this process, I have received random emails about a " dispute resolution '' from XXXX with a reference code to log in and access the information. Every single time I try to read this alleged " resolution '' it always says that it can not provide with the information. It is absurd. The credit bureaus have integrated all other changes to my contact information from my banks, yet refuse to update my name when I updated it with my banks. I feel discriminated against as a XXXX person that my information is being treated differently than other consumers. I am baffled and incensed that three major credit bureaus can not manage to provide direct, decipherable information when they require extremely sensitive and private information from consumers. For example, I have been trying to submit an online dispute on XXXXXXXX XXXX website for the past week and a half and the webpage doesn't work, so the only option is to call them, which is impossible and useless. Consumers have the right to submit disputes, especially in ways that are accessible to all consumers.
Complaint sub-issue: Account information incorrect

I requested proof of debt on XX/XX/2021 of a debt XXXX reports I owe. 

I demanded copy of agreement, and none was provided. 

XXXX sent the attached letter dated XX/XX/2021, did not addressed the request, yet continues to report false information on my credit. 

Pursuant to the FDCPA ( 15 USC 1692g Sec. 809 ( b ) ), I am entitled to receive a copy of any credit card agreement and a statement of account when I request it.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to XXXX recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from Equifax XXXX and XXXX. To date the debt has not been validated but still remains on my equifax and XXXX  credit report. Ive sent a second dispute letter and XXXX was the only agency to remove the debt because it couldnt be validated. XXXX has not responded to three request to validate and equifax and XXXX  have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, my MoneyLion account was hacked by someone. They were able to change the phone number on file and make several transactions including opening a XXXX  account ( which is MoneyLions checking account ), getting a {$510.00} loan with their Credit Builder, and signing up for the monthly membership which is $ XXXX/month ; this said person also was able to cash out several amounts using the XXXX  service MoneyLion offers. On the same day, they also authorized a repayment of that XXXX  in two amounts, the first was {$300.00}, and the second was {$75.00}. After the second amount, my XXXX XXXX account denied further transactions due to limited funds in my account. The person then transferred the loan amount and XXXX  amount to the XXXX account and transferred that into a separate personal account totaling {$860.00}. When I noticed this, I tried contacting MoneyLion directly but wasnt able to get ahold of them except via email. I also tried changing the phone number on my MoneyLion account back to mine to but since it had been recently changed, it would not allow me to change it back. I contacted my bank and they were able to refund the {$300.00} and {$75.00} charges to my account. The next day I was able to talk to a representative who took all of the above information and told me they would pass it along to their team of specialists, lock my account and I would hear back either by phone or email in the next few days. After approximately two weeks, I hadnt heard anything from the company, and MoneyLion had cashed out {$700.00} that was due for repayment of the XXXX. I called them again and got the same response that they would pass it along to their specialists and didnt have a time frame of when the issue would be resolved. It has now been two more weeks since then and I have not received any information or refunds.
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 : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX : ACCOUNT # 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

U.S Department of Education has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Loans from XX/XX/2012 XXXX XXXX College is the College attended XXXX XXXX, Mo U.S Department of EducationXXXX XXXX has accounts on my credit report and the loans are closed and being serviced through another carrier. The marks on my report are keeping my credit from improving. Same loans from XX/XX/2012 XXXX XXXX College is the College attended. XXXX XXXX, Mo
Complaint sub-issue: Debt resulted from identity theft

XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from XXXX XXXX XXXX XXXX.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, ( 2 days after I turned XXXX XXXX XXXX ) I received a demand letter from XXXX stating " resolving a long over due debt is never easy '' demanding that I send XXXX {$100.00} that was allegedly charged off in XX/XX/XXXX ( I was a minor at that time ) I have no idea why I am receiving demand letter from XXXX
Complaint sub-issue: Information belongs to someone else

I have been waiting for nearly six months, I have not received my credit report. Have sent over letters on many occasions they have lots of misinformation on my report and they have not updated any information for months.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I've been fighting these accounts for several months.
Complaint sub-issue: Debt was paid

This was covered by insurance so I should not have a balance with this office. This account remains on my reports and I want it removed. 

Amount {$100.00}
Complaint sub-issue: Account terms

Equifax has deleted all of my many years of credit history. I am XXXX yrs old and have have credit history for about 30 years or so. This is really hurting me on my credit score and want them to recognize my credit history. For example, XXXX, the Equifax competitor, is currently reporting me as having 19yrs 9 mos worth of credit. It is actually more than that, but this is acceptable to me.
Complaint sub-issue: Reporting company used your report improperly

Equifax, Inc is currently engaged in several systematic and diligent violations of federal law under the Fair Credit Reporting Act, Truth in Lending Act and Fair Debt Collection Practices Act of Title 15 Chapter 41. Equifax received and signed for my Affidavit of Truth on XX/XX/2021 at their dispute office and on XX/XX/2021 at their corporate headquarters. I have outlined each of Equifaxs violations of federal laws in my Affidavit of Truth attached below and provided clear and conspicuous breakdowns and explanations of all necessary federal laws. Included in my first Affidavit of Truth below is my invoice and remedy demand list. To be clear every remedy demand on my list is not a request but a demand as is my right pursuant to federal law and as the federally protected consumer and natural person. I have not included any dispute or request but only demands as are my right pursuant to federal law. This is Equifax s first opportunity to resolve all their outstanding issues ( several blatant violations of federal law ) by providing all my demanded remedy pursuant to 15 USC 1692c ( c ) ( 2 ). My Affidavit of Truth attached here below is my first step in my private administrative process. I advise whoever at Equifax who receives this CFPB complaint and Affidavit of Truth attachment to forward it to your executive leadership team and legal team. Individuals on these teams will understand what these documents mean and what needs to be done swiftly. Equifax s illegal actions ( violations ) have caused me extreme injury over at least the last 8 years. Any further deceptive fraudulent delays tactics to avoid resolving these issues will only worsen this case for Equifax as I continue my private administrative process. I hereby am giving Equifax the chance to resolve all these issues quickly to avoid further legal liability in the near future.