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

XXXX an unethical collector for XXXX is knowingly reporting inaccurate information and responding to you with misleading responses to get you to close the complaint and they are getting away with publishing inaccurate information as a way to collect on invalid debts. This has to be stopped! They are reporting XXXX Account # XXXX and it has several inaccuracies because it is an invalid debt. I have attached a copy of another creditors response to this complaint that proves the Amount is inaccurate, They are reporting {$1700.00} for a account that XXXX says was {$610.00} and the dates are inaccurate it says 2 different opened dates XX/XX/22 and XX/XX/22 and last active date as XX/XX/22 and XX/XX/22 which makes the open date after the active date and I am saying the Debt is NOT mine because I have not lived at that address in 3 years so it is impossible for me to have a cable debt there from XX/XX/22 or XX/XX/22! This is willful violation of FCRA Statute 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: Investigation took more than 30 days

After submitting my dispute in via Mail I have not received a timely response. I am a victim of Identity theft and according to US LAW I am afforded protection and a timely response from those who report accounts of credit worthiness towards me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX ON XX/XX/2021 - THEY RAN MY CREDIT WITHOUT MY AUTHORIZATION
Complaint sub-issue: Reporting company used your report improperly

When I call Equifax XXXX and XXXX They notice that I have a SECURITY FREEZE on my file as of XX/XX/ 2018. 

There is a PIN number provided when you open a security freeze that has to be given in order to lift the security freeze. 

Equifax XXXX and XXXX Isn't asking for my PIN number anymore. Stating they don't have too. 
Allowing access to everyone! 

Please note : I had a friend call while in front of me and my PERSONAL INFORMATION was given to that person!
Complaint sub-issue: Received bad information about my loan

XXXX XXXX. 

When i signed up for the school they promised top of the line class education. I graduated from XXXX School with a XXXX GPA. How can I get XXXX in college. The classes were kindergarden education. After graduation they also promised career placement. I went to several jobs and they were all sales jobs. Nothing to do with XXXX or XXXX. Im still trying to pay these loans.
Complaint sub-issue: Fee problem

When I check my account last month. I only owe {$74.00} balance negatives and I check this week. I check again its from {$74.00} to {$190.00}. Negatives they charged me another fee. Five day negative fee of {$30.00}. Then next they charged me 4 {$34.00} fee. The XXXX XXXX  and XXXX XXXX. I called both bank. XXXX said that I didnt owe them anything. No return check. Also XXXX  said that its was return fee. So did stop them from send check thought, I sign up to have check paid and debit card paid. They rather keep charging me fee. Rather just pay the one card. So would owe them over 4 fee. So that when ask can I closed the account. I was told no until the money is. This bank should be closed bank of fee.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX2017, Equifax made public that they had been hacked by an unknown 3rd party. On this same day, I used their website to find out that I may have been one of the 140 million people who may have had the their information stolen.
The incompetence of this company may now affect my personal credit for the rest of my life.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting Act XXXX  account # XXXX XXXX XXXX collection has violated my rights.This account is inaccurate and needs to be deleted off my credit report. The last active XX/XX/XXXX date does not match last reported date XX/XX/XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. The last active date XX/XX/XXXX does not match last reporting date XX/XX/XXXX. A collection account can not report as open account. 

XXXX Account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date of last payment XX/XX/XXXX is 3 months different than date of last active date on account XXXXALSO SHOWS WRONG ACCOUNT NUMBER XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. It shows no monthly payment no past due balance no date of last payment. 

XXXX XXXX account # XXXX has violated my rights.This account is inaccurate and needs to be deleted. The account number is inaccurate on report # XXXX shows no past due amount. 

XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my account. No date of last payment or past due reported. 

XXXX XXXX XXXX account # XXXX has violated my rights. This account is inaccurate and needs to be deleted from my credit report. The date has no last payment or past due. 

The following addresses are inaccurate and need to be deleted from my credit report 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 XXXXXXXX The following inquiries has violated my rights and are inaccurate. Needs to be deleted from credit report : XXXX XXXX XXXX 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 1681 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: No notice of investigation status/result

I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Complaint sub-issue: Trouble closing card

I contacted Upgrade shortly after opening a credit card account because they were very deceptive in trying to force me to sign up for auto-pay. That was almost a month ago. I paid off the small balance immediately and have made at least 6 calls since then, demanding they close the account. Each time they say it will be few business days. The account still shows as active as of today. They simply refuse to close it and openly lie on the phone.
Complaint sub-issue: Card was charged for something you did not purchase with the card

From the period XX/XX/2021 till approximately XX/XX/2021 XXXX XXXX XXXX, UT made a series of unauthorized charges to my Citi ThankYou Credit card in excess of {$5000.00} dollars. XX/XX/2021 a payment of {$570.00} was made by me to Citi which included charges made by XXXX. This is reflective of fraudulent charges XXXX made in XX/XX/2021. To my dismay I did not initially catch these fraudulent charges. In the next months billing cycle I realized what was happening and immediately reported XXXX 's fraud to Citi. The Citi credit card ending in XXXX was canceled at that time. A new card ( ending XXXX ) was issued. The fraudulent charges were rolled over into the new this new credit card. My first call to Citi resulted in the statement, " We know about XXXX we will fix this ''. Since that time I have attempted to work with Citi fraud and billing to get these charges reversed. To Citi 's credit this has largely been accomplished. Unfortunately, I believe XXXX charges ( documentation ) were paid to XXXX by Citi in the amount of {$640.00} ( listed as reversed charge and a XXXX in the amount {$150.00} ( statement without a date of the charge reversed ). These fraudulent charges have now been passed to me through Citi. This appears as reversed or added charges in my statements. It is difficult to tell from Citi 's cryptic statements which of the fraudulent charges have been refunded by XXXX but I believe this to be remaining paid to XXXX by Citi which has not been refunded to my credit card account. In addition to not clearing ALL the XXXX charges Citi has charged late fees/interest related to these fraudulent charges. This is patently unfair. SINCE I HAVE RECEIVED NO GOODS OR SERVICES FROM XXXX EVER ALL PAYMENTS TO XXXX ARE FRAUDULENT AND SHOULD BE REFUNDED TO MY CITI CREDIT CARD ACCOUNT. The last legitimate charge on this account ( ending XXXX or XXXX ) was in fact XX/XX/2021. I have made multiple calls to Citi fraud and billing by phone to attempt to get these final items corrected. I am repeatedly assured that it will be handled. They have not been handled but in fact made worse. These calls been fruitless largely due to Citi outsourcing their customer service/fraud operations overseas to English as second language speakers. In addition to XXXX charges which remain on the account there are late fees and interest charges accruing. Since these late fees and charges are directly related to XXXX they should be held responsible for these charges as well or these fees should be waived by Citi. It is indisputable that prior to XXXX charges appearing on my account I had a small credit ( excess payment XX/XX/2021 ). My standing on principle till XXXX has been held accountable has affected my credit rating as Citi has made negative reporting to the major credit monitoring agencies ( documentation ). Since Citi seems incapable of rectifying this situation I have filed consumer complaints to the State of Utah Attorney General 's office and The Utah XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Well for some reason Equifax is reporting wrong information on my credit file. I noticed in XX/XX/XXXX of this year that Equifax had me down for a balance of {$1300.00} for my XXXX XXXX/XXXX credit card account and I noticed they had my last payment as of XX/XX/2019. My balance is XXXX since XX/XX/XXXX and my last payment was on XX/XX/2019 in the amount of {$590.00}. I have file multiple disputes with Equifax and they tell me they are just reporting what the creditor is giving them. I contacted the creditor and they assured me that they are sending the right information and that I have a XXXX balance and they dont know why Equifax is reporting me with a balance. I also checked with another bureau XXXX and they have everything exactly right I just dont understand why Equifax is always reporting the wrong information and makes me believe something is going on. One of the disputes with Equifax stated that they remove it from my credit report and it was still there I contacted Equifax and said, yall said, that you removed it but do you see that it is still there and the agent said, yes she doesnt understand why and all I can do is file another dispute. This has been going on for three months and I am just tired of trying to fix this problem and every time I call Im talking to non-English speaking people which makes it even difficult. I also sent them my statements which has all the correct information on it. This has hurt my credit ever since XX/XX/XXXX. I really believe there is a problem going on at Equifax. I know no other way to fix this problem this was my last resource the only other thing I know to do is contact an attorney.
Complaint sub-issue: Problem with fraud alerts

I recently received a copy of my Equifax credit report .the credit report showed a credit inquiry by XXXX XXXX that i do not recall authorizing .I understand that XXXX XXXX should n't be allowed to put an inquiry on my file unless i have authorized.
Complaint sub-issue: Debt was result of identity theft

I am in the process of fixing my credit from fraudulent transactions. I spoke to XXXX XXXX at RISE Credit and disputed a charge off of a debt that went to a collection agency without my knowledge. After checking XXXX XXXX and XXXX I noticed that a loan had negatively impacted my credit. That is what sparked the initiative to ask and resolve the issues surrounding this company.
Complaint sub-issue: Old information reappears or never goes away

XXXX stills has an old account with XXXX card that was settled at a lower amount. The settlement was on XXXX, 2012 making it 8 years only record, when it should have been removed. The remaining balance is up to date, ( in fact 6 months ahead in payments on payments ). Current remaining is {$1600.00}
Complaint sub-issue: Information belongs to someone else

Credit Bureaus have information on my consumer report that I'd never authorize. I've sent in numerous FTC reports to each ( Equifax, XXXX XXXX XXXX ) However they are conducting an investigation due to the erroneous items allocated. Creditors such as ; XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Violating my Consumer RIGHTS each creditor has failed to provide my right to privacy 3-disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT. It also violates Gramm-Leach Bliley ACT which is enforce for all Financial Institutions to protect the consumers information.

Having the right to do so, unfortunately creditors believe that it's somehow law to furnish your information to a 3rd non-affiliated party without your permission. That is indeed Fraud & Identity Theft sharing or using someone's information
Complaint sub-issue: Personal information incorrect

To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. 
To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX XXXX PL XXXX XXXX XXXX, FL XXXX ( XXXX IXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ) ( XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ) There should only be one address listed on my report, which is ( XXXX XXXX XXXX XXXX XXXX XXXX  ). 


Please remove inaccurate employers as well because I'm currently not employed 1. XXXX XXXX Also, I only have 1 current name which is XXXX XXXX Once you have deleted the addresses from my credit report, please send me a copy of my updated report. 


Thank you, XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I, along with my father who consigned, took out a XXXX  student XXXX Loan, disbursed XX/XX/XXXX, reflected an original principal balance of {$11000.00}. in the The student loan account serviced by XXXX XXXX XXXX ( XXXX ) on behalf of the holder, the XXXX XXXX XXXX XXXX XXXX ( XXXX ). My father and I started making payments on the loan on XX/XX/XXXX. Total we paid over {$15000.00}. Last we heard from XXXX XXXX XXXX XXXX XXXX was on XX/XX/XXXX through a court order. As of last week my employer received a wage garnishment from the Rodenburg Law Firm out of XXXX, ND regarding the XXXX student loan. I never received information regarding the court hearing date regarding this debt. A judgement against me was issued on XX/XX/XXXX and my wages are now being garnished which is the first I have heard about the judgement being reissued. My father has previously tried to contact the Rodenburg Law Firm in XX/XX/XXXX for information detailing chain of custody, loan application and monthly history of all amounts paid. This has been asked for before that with no response. He received no response again. Even with the payments made totaling over {$15000.00} the judgement is showing listed for {$27000.00}! With no explanation as to the balance or the DRASTIC difference in value. In XXXX, If you seek the validation from a debt collector, then the debt collector must discontinue all attempts to collect the debt until such time as the debt collector provides verification. We have never received such verification. Also the statue of limitations in XXXX should have a bearing on the debt collection according to XXXX Annotated Code TITLE 30. TRADE AND COMMERCE CHAPTER 3. UNIFORM COMMERCIAL CODE NEGOTIABLE INSTRUMENTS Part 1. Short Title, Form, and Interpretation En. Sec. 3-122, Ch. 264, L. 1963 ; R.C.M. 1947, 87A-3-122 ; amd. Sec. 105, Ch. 410, L. 1991.
Complaint sub-issue: Information belongs to someone else

I noticed this fraudulent activity on my credit report XX/XX/XXXX. Once I reviewed my credit report I reached out to XXXXXXXX XXXX  XXXX and they stated that the charges was dated for XX/XX/XXXX in the amount of {$2200.00}. I informed them that I did not go to a hospital or seek any major medical attention that year. 

Original Creditor : XXXX XXXX XXXX Creditor Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Complaint sub-issue: Frequent or repeated calls

XXXX I went to there XXXX XXXX and I do not have an account with this company. They have tried calling 15 times over the last 2 weeks to try to collect debt that on a card that I do not have.
Complaint sub-issue: Investigation took more than 30 days

I sent letters on XX/XX/XXXX, which XXXX  received on XX/XX/XXXX. I have not received any response to my disputes requesting a signature that I owe the debt. I sent follow up letters on XX/XX/XXXX, which were received on XXXX. I have not received any communication regarding these disputes requesting a signature that I owe the debt nor did I receive anything from the listed creditors. Also to add, I've disputed directly to XXXX and their address on my credit file is incorrect so there is no way I can reach them by mail. I provided evidence of this, but no action has been taken yet. These issues are preventing me from getting a house and a car, which I can't do until these issues are resolved.
Complaint sub-issue: Information belongs to someone else

FTC VIOLATIONS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Complaint sub-issue: Reporting company used your report improperly

the following hard inquiries are fraudulent.ally, XXXX, XXXX
Complaint sub-issue: Account information incorrect

Unauthorized inquiry. On XX/XX/XXXX I expressedly did not authorize a hard inquriy on my credit report to XXXX XXXX XXXX XXXX XXXX, nonethless my report shows a hard inquiry which affects my score. This contradicts my command and the expressedly stated by the company representative " It is not a hard inquiry on your credit report ''.
I submitted a previous report and was told In order to protect the confidentiality of the consumer 's credit file information, Equifax must obtain proper identification from a consumer before disclosing and/or updating any information regarding the credit file. You may mail a copy of the requested documents, such as drivers license/state ID card and a utility bill showing the current address information along with a social security card Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot.
Complaint sub-issue: Debt is not yours

They are reporting that I have an unpaid debt with them of {$1500.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is XXXX. I've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has over 178 consumer complaints listed on the XXXX XXXX XXXX XXXX website. It is also listed that they are based in XXXX XXXX, XXXX  and I have never lived in XXXX  in my life. I live in XXXX. I do not feel comfortable with this company having my information when I have not authorized them to have it. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Complaint sub-issue: Old information reappears or never goes away

COMPANY FAILED TO RESPOND AND IS CURRENTLY IN DEFAULT AFTER BEING PUT ON NOTICE Consumer did not respond to AFFIDAVIT AND DECLARATION OF NEGATIVE AVERMENT and MEMORANDUM IN SUPPORT OF PRIVATE ADMISTRATIVE PROCESS AKA ; XXXX XXXX FOR VALUE FOR PROOF OF CLAIM ( CAFV ) with NOTICE OF ADMISTRATIVE REMEDY POINTS AND AUTHORITIES. Non-negotiable Private between the parties AND SILENCE IS ACQUIESCENCE NOTICE. 

On XX/XX/2020, Consumer sent XXXX XXXX, Authorized Agent for XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX a CONDITIONAL ACCEPTANCE FOR VALUE ( CAFV ) PRIVATE INDEPENDENT ADMISTRATIVE PROCESS along with Proof of Claims, CAVEAT, NOTICE : ARTICLE VI U.S. CONSTITUTION, Certificate of Mailing under 37 CFR 1.8. with no response. 

On XX/XX/2020 a Notice of Fault and Opportunity to Cure and Contest Acceptance was sent with no response. 

On XX/XX/2020, a NOTICE OF DEFAULT AND RES JUDICATA was sent with no response. 

An invoice fee and notice of fee schedule and Final True Bill of Accounting was also sent with Copyright, trademark, trade name violation : 1. Usage of XXXX, XXXX or XXXX XXXX, XXXX, XXXX including all derivatives, spellings, and upper-case lower-case combinations and renderings of the trademark and trade name without express written consent {>= $1,000,000} Acceptance of Presentments ( without contract ) 2. Unauthorized Citations {$10000.00} 3. Warnings Issued on Paper {$10000.00} 4. Mental Anguish {$10000.00} 5. Trespassing {$25000.00} 6. Summons, Court Notices ( without contract ) {$10000.00} 7. All other related items, fees, or offers {$10000.00} 8. Punitive Damages {$10000.00} Depositions, Interrogation ( unsolicited ) 9. Name {$10000.00} 10. Drivers License Number {$10000.00} 11. Social Security Number {$50000.00} Obstruction of Travel, Property Search, Trespass, Theft, Carjacking, Interference with Commerce 12. Taking/Theft/Deprivation of Property {$10000.00} per day ( as of XX/XX/XXXX ) Signature, Endorsement, Autograph ( SEA ) 13. Autograph under threat, duress, or coercion {>= $1,000,000} Company is in violation of many FCRA violations and continues to reported incorrect and outdated information.