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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Collections : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Public record information inaccurate

Checker is soliciting fuard information to the public basic identity theft shocking and extortion pattern and practices I contact them is the pass about file a disclosed because my court proceeding but they are still sealing that fuard information. 
and the pull up them charge intuition to block and deny opportunity.
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX has violated my rights.XXXX XXXX Account # XXXXXX**************, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # 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
Complaint sub-issue: Their investigation did not fix an error on your report

I forwarded a letter to the Equifax and XXXX Credit Bureaus dated XX/XX/2022 to update these inaccurate accounts. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 should not have any late payments reported on my credit report due to Covid-19 becuase I was affected by the coronavirus pandemic. 
ALLY Financial is reporting inaccurate late payments on my consumer credit reports. ALLY Financial is not complying with the Fair credit reporting Act 15 U.S code 1681s-2 ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

XXXX, XXXX and XXXX credit reports show late payment of 30 days from XX/XX/XXXX to XX/XX/XXXX. XXXX, XXXX and XXXX show 60 days late. A late payment can't be 60 days late. 

No report was made for XX/XX/XXXX on all three credit report. 

Ally financial has violated several FCRA laws.
Complaint sub-issue: Debt is not mine

THIS COMPANY IS TRYING TO COLLECT A DEBT I DO NOT OWE. IN XXXX I DID NOT HAVE XXXX, I DID NOT PAY MY OWN BILLS BECAUSE THEY ARE PAID THROUGH COMPANY WHERE I WORK. I DONT EVEN HAVE THE PHONE UNDER MY NAME. ITS IMPOSSIBLE TO BE MINE. THEY HAVE FRAUDULENTLY PUT IT ON MY CREDIT REPORT, JEFFERSON CAPITAL SYSTEMS {$XXXX} {$540.00} XXXX accounts reported on XXXX XXXX, XXXX XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$540.00} Balance XXXX Original Creditor {$540.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Collection account Remarks Note
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX file # XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX  XXXX BANK account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

XXXX  has committed multiple FCRA and FDCPA violations by reporting multiple alleged, invalidated debts in their system for my consumer report dated as of XX/XX/XXXX. I have sent documentation showing proof of these inaccurate accounts that they have listed along with proof of XXXX violations multiple times via regular mail and via electronically. XXXX has responded by blatantly lying when they responded via a notice to me via mail stating that they could not locate my consumer file in their database. 

This is not true as I have spoken to them via phone on multiple dates including XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and on both calls, a XXXX representative was able to locate my consumer file in their database. XXXX also lied in their response to both of my previous CFPB complaints when they stated that their were filing disputes regarding the documentation that I submitted to them. They have completely ignored my requests to remove all of these inaccurate accounts and are ignoring my CFPB complaints for resolution as well. 

XXXX  was already in violation specifically of 15 USC 1681, 15 USC 1692, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information in their database with respect to them continuing to report the following accounts : The XXXX XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX - Derogatory / Collection / Charge-off XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX - Derogatory Chapter XXXX & XXXX Bankruptcy Public Records
Complaint sub-issue: Information belongs to someone else

I am unable to determine what the charge is for ... I don't remember having accounts with these companies..I contacted Equifax, but until now I did not receive a response..CFPB please take care of this concern and have the accounts removed from my credit report ..XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Complaint sub-issue: Account status incorrect

DOSCOVER IS FRAUDULENTLY REPORTING THAT MY ACCOUNT IS OPEN AND LATE. THIS ACCOUNT IS CLOSED AND WAS SETTLED OVER 4 YEARS AGO. HOW CAN I BE LATE MAKING A PAYMENT WHEN THE ACCOUNT IS CLOSED AND WHERE IS IT LEGAL TO REPORT TO XXXX  XXXX  XXXX XXXX WHEN THE ACCOUNT IS CLOSED. THERE NOWAY I COULD BE LATE. DISCOVERED REPORTED XX/XX/2020 THAT IAM LATE ON A CLOSED ACCOUNT. THIS IS ILLEGAL
Complaint sub-issue: Public record

All XXXX credit bureaus, Equifax, XXXX, and XXXX are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

There are several creditors listed on my credit report that are not mine. Please remove them.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE. This is hurting my chances of moving into a new place.
Complaint sub-issue: Information is not mine

In the dispute linked to this NEW action item, Equifax stated the following : '' Explanation of closure - Equifax has reviewed the complaint and its records. XXXX account number **************** and XXXX account number XXXX has been updated. The disputed XXXX account numbers XXXX and XXXX are currently not reporting on the Equifax credit file. Written confirmation was mailed on XXXX/XXXX/15. " The DISPUTED account numbers they claim do not exist, even with the screen shots of their product, were never responded to. 

These Accounts - as evidenced by the original attachment in the original dispute, and then a new attachment specific to these accounts ( Equifax XXXX 's ) - are attached. These screen shots are from my report, in XXXX 's product. 

Once again Eq -1. Please provide any supporting documentation, that states that I have disputed accounts, where this statement has been added to my trade lines. 
2. Delete the verbiage that says " Consumer disputes this account information ''
Complaint sub-issue: Debt was result of identity theft

I filed a FTC report on XX/XX/2021. This account was due to identity theft. The account was removed from my XXXX account, but this account never was removed from XXXX and XXXX and showing on my report.
Complaint sub-issue: Information belongs to someone else

There are unauthorized inquires on my credit report I did not authorize.
Complaint sub-issue: Personal information

I am a XXXX American Veteran ( XXXX ), and in XX/XX/XXXX the Department of Veteran Affairs ( VA ) erroneously input my Social Security Number ( SSN ) as " Deceased ''. The Dept. of VA corrected their files in XX/XX/XXXX and I went to my local Social Security Administration ( SSA ) office and had my Social Security Number ( SSN ) reaffirmed. All government agencies and credit reporting agencies have removed my SSN from being DECEASED, except for EQUIFAX reporting agency. I have submitted the SSA office reaffirmation letters, my drivers license, social security card and military ID card to Equifax TWICE ; but they still will not reinstate my SSN as active on their files.
Complaint sub-issue: Problem during payment process

on XX/XX/2020 I made my payment to Besy Buy Visa in full for {$38.00}. They didi not credit my account until XX/XX/2020 and charged me a {$30.00} late fee. I disputed and was told they credited the payment on XX/XX/2020 with no explanation as to why the payment was credited late and charged me another {$30.00} because I did not pay the late fee and disputed it again.
Complaint sub-issue: Can't get other flexible options for repaying your loan

All of my student loans ( from XXXX College, The XXXX XXXX, University XXXXXXXX XXXX at XXXX XXXX, XXXX University and XXXX XXXX, The School ) are with XXXX. In the first few years, they were relatively responsive, but over the past two years, they have either not responded to my requesrs for IBR renewal, in a timely manner, or have only provided me with a response when Inhave phoned them. The last three times I have phoned them, they have responded to my frustrations with their lack of confirming the status of my IBR applications with variations of " there are more steps/documents to complete, and/or you completed the wrong IBR type. But why did they not inform me of this??? To date, my IBR request is in limbo. The laat time I phoned, they said I would receive something in the mail that would allow me to pay five dollars (??? ) and then this would trigger my forbearance and I could reapply for the correct (??? ) IBR. The entire process is frustrating and cryptic and XXXX is not responsive or helpful. Meanwhile, they are asking for a payment of over {$1500.00}, that Incannot afford. Please help.
Complaint sub-issue: Attempted to collect wrong amount

got a letter in the mail stating i owed XXXX XXXX to XXXX XXXX 2 months ago, If this is for a auto loan the auto was surrendered to the bank in XXXX. I never received notice of any debt that was owed until XXXX. I sent Jefferson Capital Systems LLC Debt Validation Letter, they responded my sending me the same statement. they did not validate the debt or showed me any of the information i asked for stated in the letter
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is Reporting on my credit report false and miss leading and Fraudulent Inquiry on my credit report I did not authorized all of the Inquiry Please delete off my credit report and I send in a Dispute Letter also to.
Complaint sub-issue: Reporting company used your report improperly

15 US 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that there is information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$6400.00}
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2019 I had signed up for a TIAA checking account promotion that was available publicly on there website. The promotion was to open up a checking account and set up direct deposit through your employer with at least {$1000.00} deposited from your employer to qualify for a {$250.00} bonus. My XXXX through my employer was deposited into the account on XX/XX/2019. I was instructed from previous representatives that it would take 3 months to reflect the {$250.00} bonus. After many phone calls and back and forth they said I did not qualify for the bonus because the offer was not meant for the public which is incorrect because I had screen shots of the promotion taken from my computer as proof and now they refuse to honor the {$250.00} bonus even though I had met the terms and conditions of the offer.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a collection on my Equifax report several occasions and have not gotten a resolution. I paid a collection from   XXXX   XXXX   XXXX   for {$240.00}  ( {$250.00} w/ fees ) o n  XXXX   XXXX ,  2016 . It is being reported on my Equifax report as being open and the full amount owed. I called  XXXX   XXXX   XXXX  and they report the account as closed and say that Equifax never contacted them in regards to the dispute I filed.
Complaint sub-issue: Their investigation did not fix an error on your report

OnXX/XX/2021 i sent a dispute letter To FEDLOAN to verify the late payments on my credit report. Till this day, its been over 30 days and you failed to respond. Those late payments are unverified, please remove the late payments and update to pay as agreed on time.
Complaint sub-issue: Public record information inaccurate

I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to 2018. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies XXXX, XXXX and XXXX were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the use of my Trademarked name XXXX registration # XXXX and restitution should be made by any company or individual without my consent or a valid contract.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Complaint sub-issue: Information belongs to someone else

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

This my 3rd attempt to fix this issue with EQUIFAX and I am more than prepared to take the next step which take them to court and sue for all punitive damages that this has caused me. The Following accounts are FRAUDULENT and have been proven to be Fraud and per the FCRA section 605b should been blocked and or removed from my credit reports which EQUIFAX lied and claimed they had done. My scores are XXXX  XXXX XXXX  XXXX EQUIFAX XXXX ... .the disparity between the 3 bureaus clearly exposes EQUIFAX and their shady credit reporting tactics and failure to follow in set forth : XXXX XXXX ACCT # XXXX {$5800.00} XXXX  XXXX XXXX  XXXX ACCT # XXXX {$200.00} They reported XXXX  XXXX late after showing the account as closed and now they are reporting it as an active account with a {$200.00} balance ... I have never had a XXXX XXXX   XXXX account!!!!
Complaint sub-issue: Attempted to collect wrong amount

I signed up in XX/XX/XXXXfor debt consolidation with DMB FINANCIAL on XXXX XXXX they said that after they settled all debt they would take a fee of 25 % as their fee ;. I tired to negotiate the fee as for their services as it was high they said the 25 % was allowed by the state of AZ they called me in XXXX saying the had first fee settled with XXXX card {$1.00} and change and now they wold take 25 % per file per credit card. Said that was not what you represented when I agreed to your servicer they said 25 % is open to interpretation. 

NOTE I had tired to fight XXXX card since XX/XX/XXXXfor a lost payment of XXXX dollars which i they first acknowledged and said me a credit then two months later said they had made and error the Supervisor who had found the error vnsihded form working at XXXX  in XXXX. 

I had filed this as a complaint in AZ Attoney gnerail nothing was done so in XX/XX/XXXXI signed up for this credit consolidation of debt with