Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : I C SYSTEM Account XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Complaint sub-issue: Debt is not yours

Equifax has reinserted an account on my credit report without a 5-day notice which is against the FCRA. The credit bureaus must notify you within 5 days of the re-insert date. Equifax has continuously done this on my credit report and its greatly affecting me and my credit. I 've attached the re-reported account to this complaint. On XX/XX/2017, I discovered XXXX XXXX XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
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. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX, Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Reporting company used your report improperly

Equifax has mishandled my information, along with the information of 209,000 others, putting us all at risk. 

I am a potential victim according to equifaxsecurity2017.com, and would like a resolution to this matter. 

I have had to place a freeze on all of my credit accounts, which has caused much inconvenience and worry.
Complaint sub-issue: Debt is not yours

This company is reporting a collection on my credit reports however the address linked to the collection is NOT mine nor have I ever lived there. The house number and street name and state are the same but the town and zip code are not mine. I have tried disputing this debt and asked for PROOF that this debt is mine, they have not given me proof. I have NEVER lived at the address they are reporting nor have I even lived in that town. They have not shown me anything and I am tired of it ruining my credit due to their improper reporting.
Complaint sub-issue: Debt was paid

Made final payment on two separate accounts with XXXX XXXX XXXX. Requested written confirmation showing both accounts were paid in full. To date, I have not received the letters and called several times unsuccessfully to reach them. All numbers which are on the website were non working numbers
Complaint sub-issue: Personal information incorrect

A letter was sent to Equifax certified mail return receipt regarding incorrect information on my credit report regarding my name. There were several variations of my name listed on the credit report. I sent a letter to Equifax with a copy of my social security card, drivers license, and proof of residency. As a reply to my concern of incorrect reporting on the report confirmations XXXX ( XX/XX/XXXX through XX/XX/XXXX ) XXXX the incorrect names were removed. On my most recent report confirmation # XXXX dated for XX/XX/XXXX, Equifax has added the incorrect name on my credit report again which Equifax has listed as a formerly known as name. I have not been notified by Equifax about adding a name on my report, in addition, the name is not deliverable to me by the US Postal office nor is it reportable as per the FCRA since it is inaccurate. Equifax continues to record inaccurate information on my report as several attempts have been made to make corrections.
Complaint sub-issue: Account status

On XXXX XXXX 2015 ( yesterday ) I purchased a credit report from Equifax. It was a XXXX bureau credit report for {$39.00}. I find the report data 30 to 60 days or more outdated. This report is XXXX. How can a company charge this amount of money and not even up date the balances. Then rip you for high balances. Every account number is wrong and outdated. What happens when and uptight banker looks at this XXXX information. This is serious business and should not be taken for granted as Equifax is providing outdated data for big bucks.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021
Complaint sub-issue: Reporting company used your report improperly

XXXX, Equifax, and XXXX are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information and did n't notify me of the illegal release of my personal information, I found out via social media. I had to go to their poorly made response site to verify that I was indeed a victim, and the whole ordeal has cost me several hours, soaking my time and money to deal with securing my credit profile. Additionally, their egregious negligence will continue to cost me time and money in the long term, as my most sensitive personal information has been illegally released and will likely take the rest of my life to monitor for fraudulent activity. 

This is an undue burden from a company I have never chosen to do business with ; they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Complaint sub-issue: Received bad information about your loan

several times I have made an attempt to resolve the issue that I was having with  NELNET  to no avail. this is about the third or fourth complaint that I have submitted and they purposely and continually refuse to acknowledge my request. recently I received an alert on my phone from privacy Guard letting me know that an account has been added to my credit profile through   XXXX   this was  XXXX / XXXX /  XXXX   so when I check it I see where an new account has been added by NELNET. They have re-aged an old account so it appears. I called  XXXX  the following day asking how can they allow these accounts to added to my credit profile while I have an fraud alert and an identity theft report concerning my credit profile but the woman stated it was n't appearing on their but I know that was false because it appears on my phone and my   credit score   has drop tremendously because of it. They have purposely and continually to violate the FCRA and the FDCPA. I recently been doing some studying about their closing ; so how is it are there continually to collect on student loans and thy are no longer open. I will be filling a suit in small claims if they refuse to verify and validate the debt but continue to report it on my credit profile.
Complaint sub-issue: Transaction was not authorized

I have opened a Business Checking account with Bank ( Investor 's Bank ) of XXXX XXXX NJ about a year and a half ago. I chose this bank because the business account carried no monthly fee. 

In XXXX of 2019 I was called by the bank representative and told that they are changing account terms and that starting XXXX my account will be charged monthly. I advised the representative that I do not authorize a charge and to close my account immediately. I was out of state and unable to physically come to the branch. At the time the account only had XXXX cents in it. The representative said I need to come to the bank to pick up the balance. At the end of XXXX I was in a major car accident and was also moving and unable to come to the bank. 

In XXXX I checked back on the online banking service and did not see my account was unable to view anything or have any access so I assumed my account was closed. 

In XXXX I have received a letter that my account has a negative balance of XXXX. I was very confused by this and attempted to call the bank but it was after hours. On Monday XXXX, XXXX I physically visited the XXXX XXXX branch and explained the situation. The representative called the XXXX XXXX Location and said that they can not waive the charge and that XXXX XXXX is unwilling to waive the charge and will not close my account until the balance is paid. 

I told the representative that when I signed for the account it was a free service. I have never received any paperwork stating there will now be a charge and I never signed anything authorizing a charge. The company can not illegally charge fees that were not previously agreed upon and steal money from their customers. I was told there is nothing they can do for me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting and 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX  XXXX Balance : {$2900.00}
Complaint sub-issue: Investigation took more than 30 days

I am submitting this complaint against Equifax for reporting inaccurate information on the listed accounts below. For some reason, I realized that there were late payments on my credit report. The bank has made errors with the payment and processed inaccurately and agreed to fix the issue. However, the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

send XX/XX/2022 Hello to whom it may concern, I have contacted the credit bureaus to do a verification of my credit report by mail. They responded within a couple weeks. 
They said they conducted their investigation and updated all information and that everything was accurate. After their investigation I went ahead and researched myself and discovered improper inaccuracies even after they did their investigation. 



In accordance to the Fair Credit Reporting act 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 The following accounts have huge discrepancies. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is inconsistent Last Reported is inconsistent Date Last Active is inconsistent Date of Last Payment is inconsistent XXXX. XXXX XXXX XXXX -Date Opened is inconsistent -High Credit is inconsistent -Credit Limit is inconsistent -Last Reported : is inconsistent Date Last Active is inconsistent Date of Last Payment is inconsistent XXXX. XXXX XXXX -Account Type - Detail : inconsistent -Date Opened is inconsistent -High Credit is is inconsistent Payment Status is inconsistent Last Reported : is inconsistent Date Last Active is inconsistent Date of Last Payment is inconsistent XXXX. XXXX XXXX XXXX Account Status : is inconsistent Date Opened is inconsistent High Credit is inconsistent Payment Status : is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX. XXXX XXXX XXXX XXXX, XXXX -Account # is inconsistent -Account Type is inconsistent -Account Status is inconsistent - Date Opened is inconsistent -No. of Months ( terms ) is inconsistent -Last Reported is inconsistent -Date Last Active is inconsistent XXXX. XXXX XXXX Account Type - Detail is inconsistent Account Status : is inconsistent Date Opened is inconsistent No. of Months ( terms ) is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXXXXXX XXXX XXXX Account Status : is inconsistent Date Opened : is inconsistent High Credit : is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX. XXXX XXXX Account Type - Detail : is inconsistent Account Status : is inconsistent Date Opened : is inconsistent High Credit : is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX. XXXX XXXX Account Type - Detail : is inconsistent Date Opened : is inconsistent High Credit : is inconsistent Last Reported is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX INQUIRY is inconsistent XXXX - INQUIRY is inconsistent XXXX XXXX -INQUIRY is inconsistent XXXX INQUIRY - INQUIRY is inconsistent
Complaint sub-issue: Problem with customer service

I am attempting for over six months to resolved and complete my consolidation with Pheaa on loans from XXXX. I have been even trying to escalate the issues with management and the issue is still being research despite filling out and providing proper documentation multiple times. ( 4 and 7 times filling out requested forms and sending proof of error on their part. ) Neither company is doing their part to resolve the issue. The consolidation application was filled out in XX/XX/XXXX. As of XX/XX/XXXX the issue is still not resolved. I have had to endure rude representatives and obnoxious managers that refuse to actually do their jobs and resolve the issue. I just keep getting call them they didn't do. They just try to pass it off to the other company and one person from XXXX actually did something to get me an answer, but then neither company is actually fixing this issue. Its a consolidation so I can proceed with my public service student forgiveness and set up the payment arrangements. They are holding me up from finding cheaper housing so I can actually pay them. This is beyond poor customer service they are lying to get out of doing their job, they are refusing to adhere to my right to consolidate and now completely impeding on my life. Can you refer an attorney because they need to be sued?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Account name XXXX XXXX XXXX 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 connot furnish an account without my written instruction.
Complaint sub-issue: Funds not handled or disbursed as instructed

XX/XX/21, transacted to send money through XXXX internationally in the amount of XXXX, the funds are available but Citi Bank, keeps declining my transactions and also with other merchants like XXXX.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I went to a XXXX bank located in XXXX XXXX to open a XXXX Bank Account. I submitted all of my business information, I was also required to provide my personal information. After the Rep submitted my application I was informed that XXXX denied my request to open the XXXX Bank Account based on personal information on my Equifax XXXX report. That did not make any sense to me. 

I am not aware nor informed if it's a common business practice to run a customer 's personal consumer report for opening and establishing a business bank account. During the process at no point was it disclosed to me that my personal consumer report would be pulled ( soft/hard ) to determine if I qualified for a business bank account. 

I strongly feel that my consumer rights have been violated by misleading and deceptive actions taken by XXXX. I felt embarrassed and humiliated with the outcome. The consumer report pull was impermissible because I was provided any disclosure during the application process.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When i had recently checked my credit report and found several inquires on my credit report that I did not do. I immediately called the said companies that had reported unauthorized inquires and they all told me I needed to contact the credit buraus. I called all three and were told there was nothing they could do and to contact the companies even though i had told them i already did. I then sent detailed letters to the buraus with proper identifations and have not this has not yet been resolved. I request all of these unauthorized inquires be removed from my report. 
XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX 2023
Complaint sub-issue: Application denied

I have received weekly advertisements with credit card offers from Citi bank over the past year. I applied for a credit card on or about XXXX of XXXX. Citi bank denied my request based on stating I had too may inquiries and being that i had a bankruptcy in XXXX I was denied. My credit score and my life has changed since then and my credit score is XXXX, and I own a home. I have credit cards from XXXX, XXXX  XXXX XXXX, XXXX XXXX. My issue is that Citibank keeps sending me advertisements for credit cards and when I applied again in XXXX of XXXX they again denied me for the same reason. The reason again was a bankruptcy filed, in XXXX, this should be illegal. The law states the c a bankruptcy can only held against you for 10 years. This is going on 13 years since I filed and my credit is good and all my bills are paid on time. I believe Citi Bank is an unprofessional unorganized company and I would appreciate it if they would stop mailing me credit card offers and to get their act together and not hold something against me or others for something that has happened so long ago. Is this how a company should do business? This has also lowered my credit score because of this.
Complaint sub-issue: Account information incorrect

I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX XXXX and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in 2012 and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is  five years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over five years on my file that is incorrect. I have disputed the record and it was not taken off.