Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

XXXX re : IC System Inc. 
I contacted XXXX on XX/XX/2021 to begin a dispute against the above Collection Agency. The dispute is stating that IC System is reporting inaccurate information. Based on FCRA, the DOFD that must be reported is date of delinquency. The Collection Agency illegally re-aged the account and committed a serious violation. Attached are copies of my dispute results from XXXX along with copies of the communication received from IC System Inc. verifying the CORRECT dates. I previously called IC System Inc. and was told that I had to write a letter and mail. I am an unvaccinated person and don't really go out to Post Office and this was an undue burden for me. The person on the phone was rude and unwilling to cooperate although I have the PROOF of the inaccuracy.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX  XXXX XXXX Account Number : XXXX 2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX 3. Identity Theft XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX  XXXX Account Number : XXXX 5. Identity Theft XXXX  XXXX  Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

I was a victim of the EQUIFAX data breach and was given notice that my info indeed was affected. Due to the breach, I believe these following accounts were opened fraudulantly. 
I hav filed a complaint and also a claim to EQUIFAX. 

XXXX XXXX XXXX {$1000.00} Account XXXX XXXX XXXX XXXX XXXX {$1400.00} Account XXXX XXXX XXXX XXXX XXXX {$790.00} Account # XXXXXXXX XXXX {$3500.00} Account XXXX XXXXXXXX I have filed and disputed these erroneous accounts but, I have not seen the accounts deleted. My life has been diificult due to XXXX and not able to get financing to survive due to these negative accounts on my credit report. I ahve enclosed the EQUIFAX claims form. 

I would like these accounts deleted off my credit reports.
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, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00}
Complaint sub-issue: Problem getting your free annual credit report

XXXX XXXX XXXX says XXXX. And Equifax can not submit my credit. Send to to lock and alert which requires money and sends back to annual credit.
Complaint sub-issue: Information belongs to someone else

Last year when I tried to buy my house, I couldn't because when they gave me my credit report I had a car loan reported in my name from a bank in Florida XXXX XXXX  XXXX on XX/XX/XXXX, in the amount of {$15000.00} per 36 months which was not paid. I called this bank to report that it was a mistake, that I never applied for a loan with them numerous times and never had a solution. It still shows up on my credit report as closed but unpaid which affects me a lot. I have never lived in FL and another important fact is that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and have always lived in XXXX. I have never taken out a car loan even here in XXXX. According to the report, the person who made the credit paid it only until XX/XX/XXXX and no longer pays. How can they use my identity for this? I need to get that off my credit report or I'll never be able to buy my house.
Complaint sub-issue: Account status incorrect

My mortgage lender, Service Mac is reporting my account delinquent during Covid-19 pandemic forbearance.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15.USC.1681 And they violated rights numerous times. I demand the accounts listed below be removed because, According to 15.USC.1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 information incorrect

I had initiated a dispute with Equifax on XX/XX/2018 due to XXXX XXXX XXXX reporting an inaccurate balance for a creditor that had been settled with. Its been 4 months which is well over the alotted time for a company to respond to a dispute before it has to be removed by the reporting credit bureau. I called to inform Equifax of these facts and they claim to not have any record of my XX/XX/XXXX dispute even though my credit report indicates that it is in fact in dispute with the comment " consumer disputes information ''. After requesting that it be removed per FCRA laws they refused and only offered to place it in dispute once again. My credit reporting is being marred by the debt collector with misinformation and by Equifax for not using due diligence in deleting it from my report for the debt collectors failure to respond within the alotted time frame.
Complaint sub-issue: Threatened to sue you for very old debt

Recently, I found a collection on my credit report from the XXXX XXXX which is already over 4 years. 

They have called me anytime including weekend and sent a letter to threaten me to pay for it or put a collection which has been passed a long time ago. 

Pennsylvania, the creditor has four years from the date of the last activity on the account to file a lawsuit against a consumer.
Complaint sub-issue: Can't use card to make purchases

Discrimination by Citibank After a recently having a Citi card charge denied for reasons that have not been adequately explained by Citi, I encountered a fraud department that engages in blatant discriminatory behavior. Citibank, as a condition to having one of their credit cards, requires a texting relationship between the bank and the customer. 

I experienced the downside to this when Citi refused to help me because my phone does not accept texts from unknown sources. Mandatory texting with a bank is not only preposterous, it is a dangerous and prejudicial policy. 

Based on data from XXXX XXXX, only 82 % of white Americans own a smartphone. Slightly less for XXXX and XXXX Americans. When further broken down by education, income, and location, there are larger disparities. For example, only 72 % of high school grads and only 71 % of rural residents have a smartphone. ( XXXX XXXX XXXX ) According to XXXX, only 74 % of people over 55 own a smartphone. ( XXXX  : XXXX ) So how can a major bank try to enforce smartphone usage and texting with its customers? This practice is discriminatory on multiple levels, including income, race, age, and location of residence. 

While its fine for smartphone users to opt-in if that is their choice, this practice deliberately harms millions of Americans who do not, can not, or choose not to text with a bank. 

Regulatory authorities need to step in and stop this discriminatory practice at Citibank. 
Thank you.
Complaint sub-issue: Information belongs to someone else

I am sending you this CFPB complaint as a follow-up to the one I already filed asking that the fraudulent accounts and information you report on my credit file be immediately deleted. I've heard that you are legally obligated to delete any accounts and information that were created as a result of my identity being stolen under the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter together with comprehensive attachments of my personal identification documents and the ID THEFT Report I had just received from the FTC. As soon as you can, please delete the following things from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX. Investigate the disputed items and remove them as quickly as you can, in accordance with Federal law. If you couldn't find a valid reason to keep reporting the disputed items, remove them from my credit file right away.
Complaint sub-issue: Information belongs to someone else

RE : XXXX XXXX XXXX XXXX Complaint # XXXX Macys account ending in XXXX ( closed ) On XX/XX/2021 I have received Macys response XXXX fraudulent macys account. On this letter the company stated that the account has been verified and it belongs to me. On XX/XX/XXXX of XXXX I've received a letter in the mail from macys regarding this same account, but this time Macy stated that they will investigate the issue. It's now XX/XX/XXXX and still no update. I will attached additional information regarding this fraudulent account.
Complaint sub-issue: Information belongs to someone else

Last XXXX XXXX I've sent a letter about those accounts were used without my permission. but It's almost 2 months now don't have any response yet. I was so stressed, I got a low credit score. I need Help to resolve this issue. I already contacted credit bureaus and furnishers.
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX I received a call from IQ Data that I had a debt outstanding. They claimed that they had sent out XXXX letters on XX/XX/XXXX + XX/XX/XXXX + XXXX. I have not received these letter. 

They claimed they did not have to go to court to collect the funds.
Complaint sub-issue: Account information incorrect

I purchased furniture at    XXXX   XXXX   in   XXXX  of    2016 via a  lease agreement with  XXXX   XXXX . I have purchased furniture through them before and have never had a problem. Additionally, I purchased the furniture in this manner because I did not want to purchase the items on credit, which would have a negative impact on my credit. To my surprise, the account showed up on my Equifax Credit Report as an installment loan. First of all, this is not an installment loan, as clearly stated in the lease agreement ; second, I never received notification that the account would be reported on my credit report, otherwise, I would have never agreed to the terms or purchased the furniture. I would like this account removed from my Equifax credit file, as it is having a negative impact on my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I received an alert from XXXX  that let me know that my credit score had dropped do to a 30-60 past due payments. I am questioning this report. I have set up bill pay with my bank and have confirmations that all my checks for XXXX XXXX were sent out. 
I did have a problem in XXXX because my checking account was hacked, and I did call to inform the company that I needed them to hold the check until I contacted them but that did not stop my future payments from coming to them on my behalf. 
I know that do to the pandemic that the mail has not been running the way it should be and a lot of letters or payments that we should receive in a timely manner have not come. I called XXXX XXXX so that I could get a letter for my lender about the current payment that I made and the letter is contradicting to what was put on the credit report. I have been a customer of XXXX XXXX and have always reached out to them if there were any issues. I also contacted the company on XX/XX/XXXX and let a message for the owner to get back to me and that was not done and today is XX/XX/XXXX with still no response. I also reached out to Equifax and they told me that the information provided did not add up with the letter that I read to them. I forward them the same documentation that I forward to XXXX XXXX for one of the companies to correct this as quickly as possible. I was informed by Equifax that would have to correct my information based on the letter because it is contradicting.
Complaint sub-issue: Information belongs to someone else

I was told I could not buy a house because I had a bad debt on my credit. I did not know what the debt was for as I have paid all my bills on time. After looking at the credit report I found something from XXXX  XXXX saying I owed a big debt, I didn't owe them anything and so I sent a dispute to the credit agencies ( XXXX, XXXX and XXXX ). A few months later I had gotten notice that another account for the same thing was put on my report. This new account had different information about the amount and the dates, so I knew it must be fraud. I completed an Identity Theft form and sent it to the credit agencies ( XXXX, XXXX and XXXX  ). Everyone except XXXX has removed both of these collections so I am not sure why XXXX is not doing it. They need to remove it because I do not owe XXXX XXXX and I don't have any idea why they have put 2 accounts on my credit report when I don't owe them anything. They are a fraudulent company and they should not be doing business like this. This is ridiculous and I have been working for almost a year now trying to clean my name and XXXX is not doing their job.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX US DEPT ED  XXXX XXXX XXXX XXXX OF EDXXXX XXXX DP OF EDUC XXXX USDOEXXXX XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$0.00} Date OpenedXXXX
Complaint sub-issue: Account status incorrect

In XXXX of 2019 I contacted XXXX XXXX XXXX services to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called XXXX XXXX XXXX services today and they state that the accounts are closed and with XXXX  balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.
Complaint sub-issue: Debt is not yours

I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE.
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX. I am filing a complaint against XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX, Tennessee XXXX. # XXXX XXXX XXXX, manager name is XXXX XXXX. On XX/XX/2021, I entered into a contract with XXXX XXXX for a washer and dryer. I was later advised by my credit counselor to pay off this contract in 90 days. On XX/XX/2021 I made my first payment in the amount of {$110.00}, with a live person on the phone. I made the second payment using the automated system. That payment posted XX/XX/2021 in the amount of {$110.00}. The final payment in the amount of {$950.00} was also made through the automated system XX/XX/2021. I received a phone call from XXXX XXXX XX/XX/2021. I spoke with XXXX in the billing department who informed me that my account, that I thought I had paid in full, is now 3 months behind and they needed a payment. After going over the accounting with her we learn that they took the money that was to be applied to the washer and dryer and applied it to an account that was over 15 years old. This so-called forgotten account did not show up on the credit report. If so my financial advisor would have seen it and advise me to take care of it. I have been paying a company over the past several months to repair my credit. Prior to the unprofessional conduct from XXXX XXXX my credit score has gone up. Because of the action from XXXX XXXX it's now going to delay my timing for a purchase of home and automobile. Two of the credit bureaus are now less than 600 and the other is less than 700. I never enter into any contract agreement stating that funds from one purchase can be use towards another purchase. They never contacted me to inform me they were going to take the funds to satisfy an old forgotten account that they already received credit for. What we are seeking is, credit showing that the washer and dryer is paid in full with no delinquent marks on my credit and secondly I am seeking Financial restitution for the Damage to my credit score. My name is spelled XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tennessee XXXX. Thank you for your assistance.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to take adequate measures to protect my credit report information ( social security number, date of birth, addresses, and other information ) and secure it from unauthorized access. 

Due to this egregious error on their part, my personally identifiable and credit reporting information has been stolen and disseminated to the public without my consent.
Complaint sub-issue: Information belongs to someone else

i do n't know the actual dates of the reposition on my credit but im wanting to get that removed since ive never had a car of my own at the time it was established, i know that it was before i was XXXX and i found out about it after i tried to apply for a credit card, i got a letter saying i had a whole bunch of accounts and credit cards. my fathers stuff is on my account and i would want to get it removed since we have the same name and its effecting my credit.
Complaint sub-issue: Information belongs to someone else

Someone open account under my name and apper on my credit report whit late payment
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the car dealership and I told the salesman to pull my credit once and they pulled it multiple times
Complaint sub-issue: Reporting company used your report improperly

Complaint on 2 companies : XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXX. XXXX XXXX XXXX : ( XXXX accounts ) A ). XXXX  XXXX - {$710.00} B ) XXXX XXXX- {$900.00} Description : XXXX XXXX XXXX has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from XXXX XXXX were on XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.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.

2XXXX XXXX  XXXX {$770.00} ( One account ) Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.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: Account information incorrect

I was reported late in XX/XX/2021 for a very small balance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : I1 also states e consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681C. ( ) ( 5 ) Section States : no consumer reporting agency may make e consumer report containing any of the following items of information Any other adv Item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
Inquires : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account : Account Number XXXX