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

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXXXXXX Balance : {$3800.00} According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I submitted an FTC Identity Theft Report # XXXX on XX/XX/2021. I sent a copy of my FTC report, an identity verification document, as well as a cover letter with my current address and all of the information that is fraudulently on my report to Equifax Information Services ( please note that all supporting documents are attached below ). This report along with all other information listed in the attachments below were sent certified mail to Equifax on XX/XX/2021, and was received by them on XX/XX/2021. There are accounts, addresses, inquires, and employers listed on my credit report that are fraudulent, have ruined my reputation, and have hindered me from obtaining certain goods and services needed to support my family. Pursuant of the Fair Credit Reporting Act, section 605B, Equifax is required to block the fraudulent information on my credit report resulting from identity theft within four business days of receipt and to promptly notify the furnisher ( s ) of that information.I spoke on the phone with a representative of XXXX  who, after verifying my identity and acknowledging receipt of my FTC report, stated that the addresses and fraudulent accounts could not be removed. They are willfully supporting criminals who are stealing identity information to obtain goods and services causing ordinary people like myself to be held responsible. Equifax has violated my rights and federal law with their unscrupulous business practices.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

I allow a company ( XXXX  ) to access my checking account for investment purposes. My PNC debit card and a PNC credit card are linked to XXXX. XXXX  monitors the " change '' from my transactions on these cards and when I reach {$5.00} they deduct the amount from my checking account and invest it for me. I have been using this service for over 3 years and suddenly PNC bank will no longer allow my cards to be linked. I have reached out to both companies to attempt to resolve this with no success. Supposedly it comes down to a change in security that PNC has enacted. PNC has said I should be able to relink the cards and XXXX  says PNC will not allow it due to security changes. Basically they're pointing the finger at each other. This started in late XXXX. I have no idea what you can do, but I would like to continue using XXXX  and have had no issues with it. The bank seems to be the major obstacle.
Complaint sub-issue: Trouble with how payments are being handled

I refinanced a student loan with Earnest, with a payment amount of {$580.00} ( fixed rate ). The company deferred the loan, upon request until graduation. Upon graduation, I received a bill for {$590.00}. There had been no discussion of what the amount would be upon end of deferment. Ok, I understand this ; however, the following month my payment again increased. This time to over {$610.00}! I contacted the company and it took over three weeks to get this adjusted. They hadn't changed the end date after the grace period/deferment. I was told this was fixed and that my payment would be {$590.00} moving forward. I just received my statement and now it's {$590.00}. I want my payment and my account fixed! This should not be difficult. There are rules and regulations about billing correct payment amounts and this company is NOT meeting these.
Complaint sub-issue: Account status incorrect

I have contacted ATg Credit LLC several times over the past year and half to remove their collection from my credit report. I have paid the past due amount of {$64.00} directly to the original debtor and notified Atg Credit LLC several times of doing so. They continue to say the will get back to me and still have yet to do so or remove the debt collection which is no longer in action. I have proof!
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax reported a collection company added a collection account of {$64.00} to my credit file that I could not identify. I reported the issue to Equifax who then responded after two days that they investigated and found the collection account to be valid. There is no further information. Equifax has nt provided what the evidence is or what the evidence shows. It simply states they asked the collection company to validate the claim and they said it was valid. The means any company - without documentation - can make claims against an individual without proof.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # s XXXX & XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) 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 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX # s XXXX and XXXX.
Complaint sub-issue: Debt is not yours

In XX/XX/2015, I was injured in a work related accident. I was taken to the hospital for treatment. I told the hospital staff that there was a piece of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX area. The hospital staff disagreed, XXXX XXXX XXXX, and sent me home. A week later I returned to have the XXXX XXXX, and again informed them that there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They again disagreed, told me that the XXXX that I could feel was just a XXXX, and refused to further investigate. The following week the XXXX  had significantly diminished, and I was still living in pain from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I returned to the hospital a 3rd time, and they finally took XXXX, and found an 11.5 mm  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They XXXX XXXX XXXX, XXXX XXXX XXXX, and sent me home. The entirety of the treatment was to be covered under workman 's comp. 13 months later I became aware of a debt collection for {$240.00} that originated from the imaging department of the hospital on my credit report. I have called the hospital and the collection agency numerous times and informed them that this was to be paid by workmans comp, and gave them the contact information for my workmans comp   representative. When that failed to garner results, I disputed this debt with the credit reporting agencies numerous times. To date, the debt still remains on my credit report from at least on reporting agency.
Complaint sub-issue: Information belongs to someone else

review the following accounts that appear on my credit report, they are hurting me, they do not belong to me.

dentity Theft XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX This is not mine. 

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

3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I received a credit alert stating that XXXX reported a new address update Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Oregon - XXXX XXXXm very concerned because this is definitely inaccurate and I believe Im being targeted for identify theft. 

There are other inaccuracies on my 3 credit reports as well. This is the most recent one.
Complaint sub-issue: Account information incorrect

I owed a amount to Nelnet and the debt was forgiven due to a total and XXXX XXXX program. I have contacted them before and they stated they would remove the debt from the credit reports and I have a letter saying such but I have not seen a change in my report.
Complaint sub-issue: Account information incorrect

This account was never late - It was a deferred payment and was approved for deferremnt by them.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX Date Opened XX/XX/XXXX Hello I am not sure if I checked the correct radio button or not, however we did a voluntary repo in XXXX, the company sold the car and never sent us any documentation, we however disputed on XXXX and equifax and it was removed from equifax but still showing on XXXX and XXXX. However here is the issue this company has charged off the account and yet they have consistently being charging late fees every single month in the amt of the car payment which has now amounted to over {$20000.00} and we owed them less than this so I am really confused how we can be paying late fees on a closed account.We are really in need of help to have this removed and have this company really looked into. For both myself and my husband XXXX XXXX. Can you please help me with this. It shows closed since XX/XX/XXXX and yet they have been charging late fees every month up until XX/XX/XXXX. Charged Off XX/XX/XXXX 2019
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

SOMEONE STOLE MY IDENITY AND I NEED THIS ACCOUNT DELETED AND REMOVED FROM MY ACCOUNT
Complaint sub-issue: Information belongs to someone else

I am a vicitim of identity theft I have contacted EQUIFAX multiple times supplying them with a certified NOTARIZED police report from the XXXX Texas Police Department. I have also contacted the FEDERAL TRADE COMISSION submitting a FTC identity theft affadavit concerning the Fraudulent acitvity that needs to be deleted from credit report. I have contacted the furnishers ( XXXX XXXX XXXX XXXX ) / ( XXXX XXXX XXXX ) to notify them by law that the accounts opened under my personal information were all done without my permission and needs to be immediately deleted. 


1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$110.00} 2. XXXX {$350.00} opened XXXX XXXX original creditor : XXXX XXXX XXXX 3. XXXX {$180.00} opened XX/XX/XXXX original XXXX XXXX XXXX XXXX FRAUDULENT INQUIRY XXXX / XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX I requested that the unverified ( Chapter XXXX Bankruptcy Acct # XXXX XXXX be removed due to non-verification of this account belonging to me. Per FCRA section 609 ( a ) 2 the credit bureau is obligated by law to disclose to me the source they are claiming to have verified this account with as being mine. FCRA states that the furnisher of the debt is the only person or entity that can verify that the debt belongs to the debtor. In this case that would be the United States Bankruptcy Court XXXX XXXX of Wisconsin. 

I have submitted proof via postal correspondence dated XX/XX/XXXX, from U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX that the court " does not report information to any credit agency. '' Equifax is required by law to provide me the Business name,  address, and phone number of the source they verified this account with. I was not provided that I have only been told that a vendor verified the information with them that the account is verified as being mine. 

This does not constitute as a Proper Investigation, I need the name of the business, the address, and the phone number of the person Equifax verified this information with. Third party credit reporting agency information is not considered the original furnisher of the debt. 

I have submitted proof to Equifax that the original furnisher of this debt states that it " does not report information to any credit agency. '' Please delete this unverified account immediately. TransUnion was reporting this same account and after receiving the proof of this letter from the U.S. Bankruptcy courts, they deleted the unverified account immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

Disputing amounts for a credit card that was opened back in XXXX. US Bank is still reporting information incorrectly on credit report. Resolved debt and still has not taken action to delete. 

Last date reported activity : XX/XX/XXXX Amount : {$590.00}
Complaint sub-issue: Debt is not yours

I tried to have it resolved but I have know idea about this account or know of it.
Complaint sub-issue: Their investigation did not fix an error on your report

I was applying for a credit card and received a denial based in part to payment history. I noticed there were a number of recent lates reported on my report from a number of creditors that I have been in Forbearance with due to a financial hardship caused by COVID-19. I provided proof that I was in forbearance and per the CARES ACT I should not have been reported as late while in an active forbearance. I asked XXXX to investigate and remove the late payment reporting that was wrongfully applied to my report. 30 days later I received an update that all of the payments were verified by the creditors. I called back and asked for the proof or documentation that differed from mine. 
The rep from XXXX simply told me it's " verified ''.