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

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX BANK XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Complaint sub-issue: Debt is not yours

For the past 1 year after not being notified of this debt, I have been trying to reach out to the creditor XXXX in regards to this debt not being mine. I have requested multiple times method of verification to prove this debt belongs to me ; unfortunately, this info has not been received all my attempts have been ignored.
Complaint sub-issue: Account status incorrect

XXXX XXXX is incorrectly reporting the status of the auto loan that I had with them. It is reporting that the account is 30 days past due. It has knocked my credit score down 57 points. I did a voluntary repossession on the vehicle on XX/XX/2017. The vehicle was not 30 days pass due. I also got a voluntary repossession letter from XXXX XXXX. I enclosed a copy. I spoke with XXXX at the customer service site and XXXX the manager at the location I originally purchased the vehicle from. I have had nothing but in Going issues with XXXX XXXX  From my payments being recorded and reported properly. To them being disrespectful, hanging up on me and refusing managers and supervisor. I have on recording them lying about my account details and so forth also included with complaint. I would like the status of my credit report updated. I did a voluntary repossession on XX/XX/2017. That 's what the credit report should say. I HAVE NEVER BEEN 30 days late with this loan and it should n't be reporting as so. This is defamation of character and slander of my credit report. I feel this is all done intentionally. I tried everything to prevent this. Even taking the car directly to XXXX XXXX corporate office at XXXX XXXX XXXX XXXX XXXX, XXXX, KS ; and also calling XXXX over at the XXXX office XXXX XXXX XXXX XXXX XXXX. I would like my credit report updated immediately. This is affecting my credit poorly and is very illegal.
Complaint sub-issue: Information belongs to someone else

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax & XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Information belongs to someone else

XXXX continues to negatively pull my credit for something I did not do in XXXX. I tried to deal with the issue on numerous occasions but to no avail. I submitted a fraud report through the federal fraud department, because now the police department in my city doesn't physically accept fraud reports. I was XXXX  during the time in question, but XXXX says they can not remove the negative items although I submitted proof of XXXX  from the NJ XXXX XXXX XXXX and NJXXXX. I was XXXX  from XX/XX/XXXX until I was XXXX  XX/XX/XXXX
Complaint sub-issue: Can't use card to make purchases

Last week ( XX/XX/XXXX ), I attempted to use my Hone Depot Consumer Credit Card and it was declined. I called on XX/XX/XXXX and XXXX and was advised there was a Fraud Block on my account. I have never received any proactive communication regarding this matter from XXXX or Citi bank, the bank backing the merchants transactions. During my call I was transferred to Citi consumer protection and advised they would reach out to verify my identity. I waited the entire day without response. In the evening I decided to call back and ascertain if I could escalate. I was told I needed to wait for them to communicate ; however, no timeline or method was defined, phone, email or written correspondence. I asked to speak with a supervisor, after waiting 5 minutes, I was told a supervisor was not available and one would call me in 24-48 hours on XX/XX/XXXX. To date XX/XX/XXXX, I have yet to receive a call from Citi. I take Fraud alerts seriously and have an alert on my consumer credit file. When I establish any new trade line the retailers fraud department calls the Phone # listed on my credit report to verify my intention. I have never had to do this process once the relationship has been established. My assumption was this was in response to the XXXX data Breach and if so, again the method for response is less than favorable. On Friday XX/XX/XXXX I initiated a XXXX complaint with XXXX XXXX to escalate the situation to the Executive team. I did receive a prompt follow up from the XXXX XXXX  team that they would escalate to Citi. Also, on XX/XX/XXXX I again attempted to use my card at a Michigan store. The store associate was prompted to call Citi, and I was on hold for nearly 40 minutes. The Citi representative would state they left me a voicemail ; however, my phone never rang on the phone number listed on my credit report. I encouraged the XXXX XXXX  executive team to run a report to ascertain how many consumer accounts are fraud blocked. There should be requirements put in place for companies fraud blocking, send written communication, etc. These companies close card for inactivity, then require new credit inquires to reopen accounts at the detriment of consumers.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They are reporting the date of last activity incorrectly and trying to make this look like a recent debt. This collection is over 2 or 3 years old.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have already dispted inquiries on my credit report with Equifax that I did not authorise and I keep getting the same response from them telling me I dont have to give consent. I have contacted the companies who are listed with each of these companies and they tell me it is up to the credit bureau to remove the inquiries. XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want those inquiries listed above removed immediately.

The responses I keep getting from Equifax is as follows : We have reviewed your complaint along with the information you previously provided regarding this issue. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist.
Complaint sub-issue: Account information incorrect

on XX/XX/2021, I requested full disclosure under truth in lending, under notary via certified return receipt mail for proof of claim that the following companies XXXX and XXXX XXXX are in fact the creditors of my account. Both companies has dishonored my request.
Complaint sub-issue: Information belongs to someone else

These Fraudulent accounts has affected my life and has caused me to lose out on life changing opportunity. I just recently learned about credit, credit report and what your scores mean last year. When I finally checked I seen a lot of accounts I have never seen before or knew they were opened in my name and has caused my score to be extremely low! When I was in the XXXX  from XXXX, I heard of people stealing others information and committing fraud, but I never knew it would happen to me until I seen for myself. The credit card Fraudulent Accounts are : ( XXXX XXXX XXXX ( XXXX XXXX has multiple account numbers ). ( XXXX XXXX ). ( XXXX XXXX XXXX Car loan fraud account : XXXX XXXX Services XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX XXXXXXXX. I would like immediate removal of all Fraud accounts on my credit report.
Complaint sub-issue: Received bad information about your loan

I have disputed this loan and I am still currently A student. I attend college and can not pay off my student loans
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The phone number says he with my account is XXXX for my phone in my purse were stolen I made a police report I sent it to your people my name is XXXX XXXX the counter on XXXX XXXX my birthday is XX/XX/XXXX my Social Security number is XXXX email says he will my count is XXXX XXXX XXXX {$1500.00} was stolen from you it was a deposit from XXXX charities I want my money back now Albert Cash Account statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account number XXXX Statement period XX/XX/XXXX, XXXX XXXX, XXXX Transactions Date Merchant Summary Beginning balance on XX/XX/XXXX Deposits Withdrawals Purchases Fees Ending balance on XX/XX/XXXX Get help Text us at XXXX XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Balance Type Amount Error resolution notice In case of errors or questions about your electronic transfers telephone us at XXXX or write us at XXXX as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. 
( 1 ) Tell us your name and account number ( if any ).

( 2 ) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. 
( 3 ) Tell us the dollar amount of the suspected error. 
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. 
Banking services provided by XXXX Bank, member FDIC.
Complaint sub-issue: Problem accessing account

We have been attempting to access my online account to download two months bank statements needed to rent an apartment. Every time we call Direct Express we are told that someone from tech support will call us back withing XXXX hours. Yet, no one calls us back. We are about to lose this apartment because Direct Express refuse to do their jobs. The bank changed their website several months ago. The information on the new site says that if you are not using their app, you have to change your User ID and Password, but when you try to do that, the system claims the card is already registered. When we try using the old User ID and Password, it tells us to call the Direct Express Customer Service number. There is an option on the menu for website support, but all they will do is turn in work order that is never responded to. We are about to lose this apartment.
Complaint sub-issue: Account status incorrect

I have disputed the following accounts multiple times with XXXX and they have come back verified and updated. The following accounts have been re-aged and according to the FTC, FCRA, it is illegal to re-age debt. Conns Account # XXXX XXXX Account # XXXX. XXXX is reporting a payment history in XXXX when this account was paid and closed in XX/XX/XXXX. The account also states that it is open when it is in fact closed. There should be no reporting after the date closed. Conns is reporting 20 late payments and the first major delinquency date changed to XXXX. This account was also closed in XXXX. Which means the date was changed on both of these accounts and the debt was re-aged. My next response will be with a lawyer as this is bringing down my credit score. These accounts are inaccurate and unverifiable so they need to be removed immediately. I have attached a copy of my drivers license and utility bill for ID purposes. I will also be reporting this to the FTC for failure to investigate properly.
Complaint sub-issue: Information belongs to someone else

someone has stolen my identity and its destroying my life I'm depressed because someone has stolen my identity
Complaint sub-issue: Reporting company used your report improperly

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Complaint sub-issue: Account status incorrect

I opened an auto loan XX/XX/XXXX through XXXX. I had always paid the loan on time and even was paying more than the amount that was due. I paid extra in XX/XX/XXXX which bumped the due date for my next payment to XX/XX/XXXX. XXXX sent my auto loan to collections as a charge off in XX/XX/XXXX. They never notified me before sending the account to collections. XXXX had even reported to the credit reporting agencies that I had never had any late payments and payment was current and up to date. I called XXXX multiple times and spoke to them on the phone for many hours after finding out about the charge off. I was told by the XXXX bankruptcy department that even though my account was current and not late, it had been charged off due to account inactivity and there was nothing they could due to correct the information. I paid off the account and now, over 2 years later, it is still showing up on my credit report as a charge off. I contacted them recently to try to resolve the issue again, but they responded that they have insufficient information to investigate the problem. I have screen shots and my checking account statements to support my information, but all my auto loan statements are mysteriously missing since XX/XX/XXXX and I have no access to them. I also have phone recordings of my conversations with the XXXX bankruptcy department that can verify this information.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed various items on my XXXX, XXXX, and Equifax credit report. These companies keep sending letters telling me the account were verified. 
I have sent more letters asking them to provide proof under my right to request proof but they have ignored my request and the information remains on all of my credit files.
Complaint sub-issue: Information is missing that should be on the report

XXXX XXXX XXXX  has been reporting my mortgage payments on my ex-husbands credit report and not reporting on mine at all. We were divorced in XXXX. The house belongs to me. He has never paid the mortgage. I filed XXXX  XXXX bankruptcy in XXXX and finished in XXXX.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX Acc.XXXX for XXXX dollars. 
XXXX XXXX XXXX XXXX, Ma XXXX According with the fair credit reporting act, the above account stated abovehas violated my rights according to15 USC section 1681. Whch state a consumer reporting agency can not furnish any information on my credit report without my written consent.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

Identity Theft 1. XXXX XXXX  Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft BEST BUY/CBNA Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX Account Number : XXXX**** This is not mine.

5. Identity Theft XXXX  Account Number : XXXX**** This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

7. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX  Date of inquiry :XX/XX/2019 This is not mine.

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Complaint sub-issue: Information belongs to someone else

Equifax continues to report inaccurate information a long with fraudulent accounts opened on my credit file. Their investigation process is flawed and outdated. They refused to block fraudulent accounts from my credit file. I have sent documents upon documents with the ID Theft Affidavit and police reports. Equifax 's unwillingness to block disputed fraudulent information and accounts are causing harm and stress as I can not open up credit accounts.
Complaint sub-issue: Debt is not mine

XXXX/XXXX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Adjustment Bur XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Letter Please be advised this is my third written request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 regarding your continued will full and negligent noncompliance. 

Despite two written request, the unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the result of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' The law is very clear as to the civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with 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 deleted immediately. 
Account Adjustment BUR # XXXX {$2800.00} Case number : XXXX Thank You XXXX
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$850.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$850.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$490.00} XXXX XXXX {$160000.00} XXXX  XXXX {$15000.00} XXXX XXXX {$4000.00}
Complaint sub-issue: Debt is not yours

This complaint involves the collector, GRANT & WEBER and their ACCOUNTS, XXXX, AND XXXX appearing on both XXXX and XXXX  credit files of mine, POST-DISPUTE. 
The original creditors that sold these debts to GRANT & WEBER were medical service providers that treated me often under emergency conditions.Because at various points I became XXXX and XXXX XXXX, the providers had a duty to do their required part of EMERGENCY MEDI-CAL so that after sufficient recovery I would be able to meet the XXXX requirements of coverage by completing my part.This was not done by the care providing party whether we were in a hospital environment that had a staff social workers or in a clinic where staff that handle insurance could have made themselves available to handle this paperwork.This provider documentation is an everyday business problem of the original creditors ... .Instead the service provider ( s ) billed me personally without regard for my medical condition and even the ability to care for myself.The characters, Grant & Weber habitually verify or " certify '' in @ 24 hours have no regard for me or this system of complaint.ALL GRANT AND WEBER ACCOUNTS SHOULD BE DELETED IMMEDIATELY FROM MY CREDIT FILES.
Complaint sub-issue: Old information reappears or never goes away

Checking my credit, and I have n't applied to the company, it is a reoccurring problem each month