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

This credit reporting agency has been furnishing unverified information on my report causing me to experience denials of extension of credit. 
I have not verified or approved ANY of the information that is being displayed through their agency. I would consider that fraud!
Complaint sub-issue: Information is missing that should be on the report

On or around XX/XX/2022, I received my XXXX credit report and noticed they are inaccurately reporting Citibank an current open line of credit with excellent payment history as an account in dispute. I have never contacted XXXX or Citibank and disputed Citibank line of credit. In addition, XXXXCitibank refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold Citibank/XXXX accountable XXXX I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Complaint sub-issue: Their investigation did not fix an error on your report

1. NO inquries were authorized by my siguture or verbal consent ; 2. Repositories have neglected to show proof of signature on either the inquiries/loan applications, which has been requested ; 3. Repositories failed to demand proof of my signaure on inquiries/applications within the allocsted 45 days ; 4. Repositiories accepted written explanation of inquiries/application without any backup to show proof even though I challened on several occassions ;
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the XXXXXXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted  according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my XXXX credit report and your company is in violation of the law! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES YOU NEED WRITTEN INSTRUCTIONS FROM THE CONSUMER to whom it relates. Did I give you written instructions to furnish this on my credit report? That is unauthorized use!

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) states EXCLUSIONS! A consumer report should EXCLUDE information solely as to transactions or experiences between the consumer and the person making the report. 

Your reporting on payment transactions and reporting as LATE IS IN MAJOR VIOLATION OF THE LAW. I demand you STOP REPORTING on my Consumer report and DELETE the late payments from this ACCOUNT in violation of 15 USC 1681.

There is no such thing as a late payments because the account was paid in full the moment my credit card was accepted.

12 CFR 1002 2 ( a ) ( a ) Account means an extension of credit. When employed in relation to an account, the word use refers only to open end.

15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Ally has caused severe stress and anxiety due to the abusive and unfair practices. 

Failure on your behalf to DELETE LATE PAYMENTS reporting on my consumer report will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Complaint sub-issue: Their investigation did not fix an error on your report

Have violated my rights. 
15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to him of information reported about him to third parties violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy when preparing a consumer report ( 15 U.S.C. Sec. 1681e ( b ) ) and by failing to conduct a reasonable reinvestigation of my dispute ( 15 U.S.C. Sec. 1681i ( a ) ). 

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

XXXX, Equifax and XXXX has allowed XXXX XXXX to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/2020 I sent certified letters of dispute to all 3 credit bureaus in reference to my accounts being reported differently to all three bureaus on several accounts. I included screenshots showing evidence of this. Rather than them deleting these accounts that were reported wrong, I got responses such as remains or updated. How could you simply " update '' something that was reported wrong in multiple places? If they were all different, who is to say which is correct? It doesn't seem right. How is this legal?
Complaint sub-issue: Personal information incorrect

I should only have one address & phone # on my report and I would like a reporting freeze on my credit from all credit reporting companies, it is within my legal right to have my information frozen and not given out at all, so please be so kind as to honor this request
Complaint sub-issue: Can't temporarily delay making payments

My first student loan payment to Sallie Mae was due on XX/XX/2021 in the amount of {$310.00}. I can not afford this amount per month as I am in my first job since i graduated college. I have tried to get ahold of sallie mae on many different occasions and by many different ways of communication. Every time I call, I can not get to an agent because they are always " busy '', even when i stay on the hold line for XXXX minutes. when I tried to communicate with them via their online chat system I went through the automated message system before choosing the option to speak with an agent and again was told that all agents were busy and I should try again at a later time/date. Additionally, in my time chatting with the automated message system, i was told that sallie mae does not offer any type of income based repayment options and only offer deferment for those participating in an internship or residency. This causes concern that I will not have another option, especially considering they are almost impossible to get ahold of regardless of how much they preach that they are there for work with you.
Complaint sub-issue: Can't stop withdrawals from your account

Reference current/unresolved complaint against XXXX XXXX, cfpb Complaint $ # XXXX filed XX/XX/XXXX. XXXX has sent the chargeback to US Bank putting my checking account overdrawn by the disputed amount of {$720.00} which was charged on overdraft fee of {$36.00} for a total of {$760.00}. Please refer to the cfpb Complaint referenced above. I believe the client is engaged in fraudulently keeping the two custom tables I made and shipped to her as well as procuring a complete refund via a questionable chargeback claim. As a result of this fraudulent chargeback, XXXX XXXX via We Pay has debited my US Bank account. I have tried to rectify this chargeback/overdraft with USBank with no action on their part. Also, I have never authorized, nor signed up, for overdraft protection with US Bank. My major concern is that my Social Security benefit will be direct deposited on XX/XX/XXXXinto my US Bank checking account. With the existing overdraft, my check will be wiped out leaving me no funds for the month of XX/XX/XXXX. The circumstances at this point in time make this my only source of income.. According to Section 207 of the Social Security Act ( 42 U.S.C. 407 ) my Social Security benefits are protected from garnishment by US Bank or XXXX XXXX. US Bank at this point in time is intentionally slow walking remediation. They have refused to expedite the manner in any way other than by mailing a form to me at their convenience. They are in effect preventing me from submitting the necessary information to mitigate this fraudulent chargeback. US Bank is not guaranteeing me protection of my Social Security funds and has alluded that they will use them to offset a chargeback they were not authorized to make.
Complaint sub-issue: Information belongs to someone else

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
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XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
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What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
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You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
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The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
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XXXX XXXX XXXX " NO ACCT NO '' UNVERIFIED, NO-CONTRACT
Complaint sub-issue: Account status incorrect

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of. And being ignored of my disputes. 

The information was removed from 2 bureaus, due to inaccuracy, but still remains on one bureau Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report. It has been over 30 days. So they should be deleted promptly. I demand those account accounts be deleted immediately, or I will file for litigation, due to the stress this has caused me.

The credit bureaus have also violated 15 USC SECTION 1681 623 ( 9 ) ( B ) ( 2 ) The credit bureau are suppose to complete all investigations before the expiration of the period under section 611 ( a )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was stolen in XXXX of XXXX  since then I've been seeing a lot of unauthorized inquiries and accounts from Equifax credit profile. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized inquires have been found on my credit report please investigate and Remove all inaccurate inquires I have listed immediately, the following includes : XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/2022 XXXX - XXXX XXXX : XX/XX/2022 XXXX - XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX  : XXXX XXXX, XXXX XXXX : XX/XX/2022 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 hand written instructions.
Complaint sub-issue: Reporting company used your report improperly

Security Breach of personal information which puts my financial future at risk for the rest of my life. 
Equifax negligently provided my personal information to outside parties without my knowledge or consent and provided all my pertinent and personal information in such form and as complete as to ensure that I will have to deal with the results of their neglect and improper handling of my financial information and identifying information for the rest of my life. 
EQUIFAX has NOT provided proper notification of the security breach. 
EQUIFAX has suggested they will provide a 12 month monitoring service for my credit. 
The remedy suggested by EQUIFAX is INSUFFICIENT to  mitigate the considerable on-going life-long risk of damage to my personal finances, business opportunity and reputation. 
EQUIFAX MUST NOT BE ALLOWED TO RETAIN ANY INFORMATION ABOUT ME OR MY FINANCES IN ANY WAY SHAPE OR FORM AND MUST PURGE ALL INFORMATION ABOUT ME FROM THEIR SYSTEMS IN A WAY WHICH IS NOT RECOVERABLE AND SAFELY PREVENTS ANY FUTURE ACCESS BY EQUIFAX THEIR AGENTS OR EMPLOYEES IN PERPETUITY. 
Further, I should NOT experience any penalty or discrimination as a result of refusing to allow EQUIFAX to handle any information relating to me or my finances.
Complaint sub-issue: Public record information inaccurate

There are three public records that appear on my XXXX credit report. 

One for {$15000.00} for XXXX County Superior Court, which is reporting a balance. This was also remedied under a IRS program. The amount has been satisfied and should not appear on my credit. 

The two items listed under XXXX Magistrate for {$4200.00} and {$5300.00} DO NOT BELONG to me, and should be removed from my profile.
Complaint sub-issue: Problem cancelling or closing account

Lexis Nexis issues : The last week of XXXX, 2015 ; I went online to " opt-out '' of their XXXX products. I followed the insturctions and uploaded the necessary documents. A XXXX letter I received a letter from Lexis Nexis stating I need to upload my documents. I sent an email to them directly ( see attached ) with the document I uploaded. I received a response stating my request has been approved. I sent another email with additional request to FREEZE my XXXX account and to inquire about my PIN number. I have yet to receive a response from Lexis Nexis via mail or EMail.
Complaint sub-issue: Account status incorrect

i have been writing all 3 bureaus, about accts and inaccuracies, in my credit file. There is a account, XXXX XXXX XXXX # XXXX, they are reporting, 3 different negative late payments, i have written them several times, and they still continue, to keep this in my reporting even though it is inaccurate reporting. They are supposed to be a independent agencies, why do they keep doing negative things to the consumer file. i am a single woman, trying to raise a child, the law is clear inaccurate or incomplete, listings have to be deleted, its costing me time and money to try and get something so simple, how do they have so much control over our lives. XXXX, XXXX and EQUIFAX all are still reporting such.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX ...., XXXX XXXX XXXX .... )
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2020. XXXX XXXX disputed data on my XXXX  report which said I was an authorized user for an account ( card number doesnt even exist under the person who owns the account ). We are assuming they are talking about a different card based on the available credit and other information. We contacted citibank who should have removed me years ago but didnt. They removed me from all associated accounts and said they will tell this to any credit bureaus. XXXX  said they called and they said citi wouldnt give that info. We called citi and the manager said this makes no sense and sent us an email saying i was removed which we forwarded to XXXX. XXXX  ignored the email and closed the dispute. We opened it back up and I heard nothing. I went to their site to make a personal dispute ( previous was done by third party XXXX  ). Their dispute for credit cards page does not work and has apparently been down for a year. You can not dispute online. See others complaining online via the link i shared. We have closed the credit card due to issues but not sure if was ever removed or can be removed from my record. Citibank has been in my experience horrible at reporting proper updates to the bureaus and XXXX  is not taking disputes seriously or investigating at all XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Letters were sent on my behalf for dispute of credit inquiries and collections on XX/XX/2020, to XXXX XXXXXX/XX/XXXXand Equifax to conduct investigations. After no response within appropriate time frame, I sent 2nd notice letters for demand of investigation on XX/XX/2020 for mentioned collections and credit inquiries on my credit report. The time now has been more than 30 days, and I have yet to receive a response regarding investigations.