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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
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 XXXX Account # XXXX This account has violated my rights!!!!!!!

15 U.S.C 1681 section 602 ( A ) States I have the right to privacy 15 U.S.C 1681 section 604 ( A ) section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Problem getting my free annual report

I tried getting my free annual report from Equifax XXXX. They XXXX claim I already received my free annual report, Equifax stating it was on XXXX/XXXX/15. I have NEVER filled out a form nor went on line or called for this. I am having issues with 3 retail credit cards that are unfounded, so am trying to see the report. When I tried to sign in to the credit reports, they stated I had no account. So how could I have previously applied for it? I feel I am getting scammed, and do n't know where to turn from here. XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 : it states a consumer reporting agency cannon furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A. states i have the right to privacy also with further research per. IRS, I learned when a cancelation of debt is {$600.00} or more a 1099-c must be filed therefore this account should no longer be listed as a charge off ; it is however income and income isn't apart of consumer report.
Complaint sub-issue: Public record

I have been informed, that there is a public record reported by ( United States Bankruptcy Court, XXXX XXXX Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy Court XXXX XXXX of California ) listing a public record- I do not have a Bankruptcy. I have sent you a dispute, because this information in Not accurate. Per my last conversation with an Equifax representative, was your claim to verify information at the United States Bankruptcy Court XXXX XXXX Of California. I have contacted the United States Bankruptcy Court XXXX XXXX Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from Equifax, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.
Complaint sub-issue: Account information incorrect

1, XXXX XXXX XXXX XXXX - {$0.00} 2. XXXX XXXX XXXX - {$1200.00} 3. XXXX  XXXX- {$0.00} 4. XXXX  XXXX XXXX -! XXXX XXXX, XXXX XXXX - {$800.00} none of these accounts belong o me I am afraid this is ID theft or sense I have a common name the credit bureaus have my name mixed up.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint to Equifax was the result of their non-compliance to my request and for theirrefusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal CreditReporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to helpme block the concerned items for they were found erroneous and unauthorized. 
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: Fraudulent loan

I'm exercising my right to rescind this auto lease agreement with CarMax. The consummation of this lease agreement took place XXXX XXXX, 2021. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering.
Complaint sub-issue: Was not notified of investigation status or results

Please remove these inaccuracies on my report it has been months and I have not been notified by neither of the bureaus investigation results into this matter this is extremely frustrating and not fair to me please investigate and remove these inaccuracies
Complaint sub-issue: Information belongs to someone else

XX/XX/2016. My project loan from XXXX XXXX XXXX XXXX was compromised and added to a companies pro desk account. Chargers were made on the account, without having possession of the card. I contacted XXXX, filed and identity report with the FTC. Filed a police report as well. I continued to pay the account in the beginning of resolving this matter, due to the fact I did not want my credit affected. They never removed this account from my credit, although I had proof of identity theft.
Complaint sub-issue: Information is not mine

There is a collection account appearing on my Equifax credit report that the reporting agency has acknowledged to me is fraudulent and should not be associated with me. 

An earlier problem that I encountered in my attempt to resolve this issue was previously submitted to CFPB under Case Number XXXX. At that time, I was having problems getting Equifax to provide " a description of the procedure used to determine the accuracy and completeness of the information. '' As a result of that previous case number, I did receive that information. 

I then contacted XXXX XXXX XXXX, the company that was reporting this collection account to Equifax , to find out why they had this erroneous information on file. A summary of the interactions I had with XXXX can be found in the attached XXXX file. Note that it was established in my first call to XXXX that this was a fraudulent charge and that I then spent the next few days fruitlessly trying to complete their process to finish resolving this issue. When it became clear that phone calls were not going to resolve anything with them, I sent the referenced letter. I did receive one callback ( finally ) from XXXX on XXXX XXXX ; I was not home at the time, but returned the call at XXXX ( ET ) that day, once again leaving a message with all of my contact numbers and imploring them to please call be back. As of today, XXXX XXXX, I have not had any further contact from them. 

Meanwhile, I sent a letter to Equifax on the same day as I sent the letter to XXXX ; see the attached Equifax Statement.docx. This was to inform them that the collection account reported by XXXX was fraudulent and that I wanted them to add the statement contained within the letter to my credit file. In response to this, Equifax opened another dispute ( Confirmation Number XXXX ) and put a fraud alert on my account with them. The result of this reinvestigation was delivered today - see the Equifax Dispute XXXX XXXX XXXX XXXX screen shot of the first page of their report. Once again, Equifax is not acknowledging that this account is not mine and should not be listed on my credit report. In addition, the statement that I asked to be placed on my credit file is not there - the full reinvestigation results document included a version of my credit file as of XXXX XXXX, and the requested statement is nowhere to be found on it. [ Note : I did not submit the full document because it includes sensitive information like my SSN and, as a PDF file, is difficult to extract into another editable format that would allow deletion or redacting of the sensitive information. ] At this point, I feel like I have done everything I can to make this right with both XXXX and Equifax , but somehow it 's just not getting through, and would appreciate any assistance that CFPB could provide to get this resolved.
Complaint sub-issue: Card was charged for something you did not purchase with the card

US Bank allowed 3 charges to be made by XXXX XXXX XXXX in the amount of {$62.00} each for a contract that was not renewed. In addition the charges were made on an expired credit card. I contacted the bank and sent them proof these were unauthorized charges but they refuse to remove the charges. In addition they have now charged me an additional {$29.00} as a late payment charge for not paying the fraudulent charges.
Complaint sub-issue: Account status incorrect

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : 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: Difficulty submitting a dispute or getting information about a dispute over the phone

I contacted XXXX XXXX regarding one late payment showing on my credit report dated XX/XX/2016. The arrogant customer service representative did not make any efforts to assist with my request. My payment history has been excellent with the exception of ONE late payment. She rudely hung up on me without providing any other options to rectify the one reported late payment.
Complaint sub-issue: Frequent or repeated calls

The caller will ask for my address and say they have all my information, but need me to confirm my address. They say they are calling in regards to a personal matter and will not tell what it is. I have answered their calls at least three times and told them that I will not confirm my address until the tell me what they are calling about but all they will say is that I is for personal matters.
Complaint sub-issue: Problem using a debit or ATM card

I filed a dispute for unauthorized transactions that I found on my account. I feel like the claim wasnt properly handled and if the merchants were contacted, they would have confirmed the accounts did not belong to me. I also advised that my card was left in my car. Every time a call was placed to this bank, there was someone from the XXXX taking the call and it was later discovered that the info I kept providing or inquiring about, was never documented. This company supposedly finalized this claim within 10 days when I was advised that it would take XXXX and I would receive a provisional credit. I would like my claim reopened and investigated again.
Complaint sub-issue: Was not notified of investigation status or results

Hi XXXX XXXX XXXX my Last 4 SSN # is XXXX. I am just trying to make a follow up on the letter that I sent to you on XX/XX/2022, I was expecting to get a response but I havent. I am attaching a copy of the letter that I sent to you last time hoping you would take action and investigate this issues on my report.
Complaint sub-issue: Reporting company used your report improperly

My Consumer rights were violated by these credit reporting agencies. I sent them an official statement on XX/XX/2021 letting them know that these accounts were inaccurate and fraudulent, and they were supposed to remove the accounts within 4 days of receiving my letter but they did not. to this day XX/XX/2021, these inaccurate accounts are still illegally being reported to my credit report. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.also Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. especially XXXX, do not use this stall tactic, and I ask the CFPB TO PUNISH any credit reporting agency who uses this stall tactic.
Complaint sub-issue: Their investigation did not fix an error on your report

The following account is not mine. Please update or remove from my account. Thank you. 
Bankruptcy : XXXX XXXX Reference Number XXXX
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report its has been over 30 days and I have not received any investigation results.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i went to apply for a car and notice on my report multiplt credit inquiries on my credit rport i never inquired about XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I have been trying for months to get my credit score from this company, they never help me, all they do is tell me to send copies of my identification to the credit company and nothing ever gets solve, first I wasn't able to get my credit score now I cant even log in to my account ... .this is ridiculous
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

started receiving calls approximately a week ago from a company Called the Stafford Group located in California. Tel number ( XXXX ) XXXX from a XXXX XXXX XXXX STAFFORD GROUP AND ASSOC 1940 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They are trying to collect a debt that they say i owe in the amount of over {$1000.00} which is not even close to the charge off amount by the bank. I contacted the bank today to find out that the account was sold to someone else. During this time, there has been possible fraud on my social security number and drivers license information all within the same time period. In the meantime, i have freezed all credit reports and placed a fraud alert on my records. 
They claim that i have been mailed collection letters which to date, i have not received and they also promised that they would send me an email to collect because they do not want to use paper because electronic files work best for them.
Complaint sub-issue: Didn't receive notice of right to dispute

I received an alert on my credit that my score dropped 15 points. I checked my credit found company Afni Inc. located In XXXX IL. Ive never received any calls from this company or the original creditor which is XXXX. Debt is from 2014. Im not aware I had a balance with the original credit I do not feel like I owe a balance. I called Afni and told her was not notified she confirmed that no letters had been sent out. I informed her Im a Collector myself and Im aware of the fdcpa laws and this needs to be removed she said she will send a notification to the credit department to have it deleted since I was not notified. I explained to her I did not owe a balance asked her what was the charges she said did not have a breakdown of the charges because the debt is over 5 years old. Asked her how can they collect on something that they can not provide proof of what the debt is exactly for she said well if you give me your card number and pay this I can have it deleted told her Im not paying for something that she can not give me a breakdown of charges as to what Im charged for. She did tell me debt is from XX/XX/2014 and that she does she a payment made ok XX/XX/14 which was a large amount I asked was it for equipment because Ive returned all equipment she said like I said I cant give you that information. This has damaged my credit greatly and something needs to be done about it ASAP.
Complaint sub-issue: Reporting company used your report improperly

Open balance XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer meets FCRA requirements Original creditor name XXXX XXXX I have this open medical bill that does not suppose to be on my credit. According to the rules and regulations. In XXXX, the XXXX XXXX XXXX XXXX announced the National Consumer Assistance Plan ( NCAP ) as part of a settlement with numerous State Attorneys General, which included provisions for the reporting of medical debt.1 As part of the NCAP , the companies committed to no longer reporting medical collections that were less than 180 days past due and removing medical collections that have been paid by insurance. Both of these provisions were intended to prevent consumers credit from being penalized for debts that were not the consumers responsibility to pay. 

On XX/XX/XXXX, the national credit reporting companies voluntarily announced that they would no longer report certain additional medical collections ( Medical Collections Reporting Change ). Specifically, the companies announced that starting on XX/XX/XXXX, the time before unpaid medical collections can appear on a consumers report will be increased from 180 days to one year, and paid medical collections will no longer appear on consumer reports at all. They also announced that beginning sometime in XXXX, medical collections with balances below a threshold of at least {$500.00} will no longer appear on consumer credit reports.2 These changes have the potential to reduce the amount of medical debt reported on consumer credit reports and to benefit some consumers. 

This report explores the characteristics of consumers with reported medical collections and focuses on the current state of medical collections that appear on consumer credit reports and medical collections that are likely to be removed from consumer credit reports in the next year. We use the Consumer Financial Protection Bureaus ( CFPBs ) Consumer Credit Panel ( CCP ) to analyze collections tradelines first reported to a national credit reporting company after XX/XX/XXXX with medical listed as the original creditor XXXX We observe consumers credit scores, census tracts of residence, and other credit information in the quarter before the first reporting of the medical collection. 

I'm requesting that this debt be removed from XXXX, Equifax, and XXXX.
Complaint sub-issue: Indicated committed crime not paying

In 2012, we got XXXX services and had lots of problems with it working correctly. After numerous calls to them without anything being done to fix the problem, we wanted to cancel the service. XXXX XXXX XXXX representative told us that they would send a return box for shipping the XXXX equipment back to their facilities and we would not be charged any bill or fees. They later turned it over to a collection agency when I contacted the collection agency I was informed that XXXX XXXX XXXX pulled it from them, which later I found out they had turned it over to another collection agency. The collection agency representative was not nice at all, telling us to pay this account in full or face criminal charges. This is not a good way of conducting business. I will not recommend XXXX XXXX XXXX services to anyone.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My information was part of the Equifax Data Breach. The FTC has been sending me updates regarding the settlement process. A few weeks ago I responded to the FTC’s link to choose how I wanted to receive a settlement when the case was finalized. I chose to receive the cash settlement option. Then, last week, XX/XX/XXXX, I received a letter and check from Equifax for XXXX. See copy of the letter and check below. So today, XX/XX/XXXX, I tried to call both the phone number and the email provided in their letter to ask a question about why they sent the check at this particular time and for the amount stated above. Both the phone number and the email are non-working. I then called the FTC about the non-working numbers and the letter I received. I was directed to the Consumer Financial Protection Bureau. I spoke with someone who provided me with contact information for Equifax and also said I could file a complaint I I wanted to.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent certified letters to all three bureaus about one item to be verified and received no feedback or results. The item is : XXXX XXXXXXXX XXXX # XXXX. I have NOT had this account.
Complaint sub-issue: Billing dispute for services

XXXX had made me a promise that if I took on my old load ,25 years old that they would consolidate all of my loans so that I may attend school. Thus in hopes of seeking a re-education I signed for a loan of witch i received not a dollar but took on a maxed out student loan for witch i received no even a dollar. The original loan that shows maxed out on my credit is more than 25 years old and was sold to me on a lie in the first place.