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

I recently obtained a letter from the United States Bankruptcy Court XXXX XXXX of Georgia that they do not provide information to consumer credit reporting agencies and data furnishers. Lexis Nexis is in violation of 15 USC 1681 A 4, they infringed upon my federally protected consumers right to privacy, they violated also because of permissible purposes 15 USC 1681 B, and Lexis Nexis did not obtain my written instructions or affidavit to furnish this consumer report. Lastly, Lexis Nexis is also in violation of 15 USC 1681 A-E, I obtained a letter from the United States Bankruptcy Court XXXX XXXX XXXX Georgia stating that they do not provide my personal information to 3rd parties therefore Lexis Nexis is unable to do a consumer investigation to verify this alleged Bankruptcy. I am not a lawyer and I am outraged by the blatent disrespect of my privacy rights according to the Graham Leach Bliley Act.
Complaint sub-issue: Information belongs to someone else

Early in XXXX I began to receive mail through the XXXX saying I was behind in payments for my XXXX Account associated with my address of XXXX XXXX in XXXX, FL. I contacted them and told them I HAVE NEVER APPLIED FOR AN ACCOUNT WITH XXXX. FURTHERMORE I HAD NEVER LIVED ON A XXXX XXXX IN XXXX, FL. I have owned my own home in XXXX XXXX, FL since XX/XX/XXXX. Equifax began to report this account as delinquent a little bit after they were hacked. I was successful at removing the initial account but now it is with XXXX XXXX, and I have informed them that the account was a fraudulent account and is NOT mine. I have disputed this account over and over with Equifax. It IS NOT my account. I have NEVER lived on XXXX XXXX in XXXX, FL. I want this removed immediately.
Complaint sub-issue: Public record information inaccurate

I sent a letter to each of the three Bureaus requesting validation for the bankruptcy that is on my credit report as public records. What I received was a letter stating that they verified the information with the courts. As I contact the court system they verified that they do not have contact with the credit bureaus and have not verified anything. I have attached the letter. 
As I sent that letter toXXXXn, Equifax and XXXX they all sent me a letter back still confirming the information just updating it. I want this bankruptcy removed off my credit reports.
Complaint sub-issue: Investigation took more than 30 days

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 ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX md XXXX XXXX. The following personal information is incorrect Account Number :  Addresses : XXXX XXXX XXXX XXXX XXXX va XXXX 4. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX nc XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Complaint sub-issue: Didn't receive notice of right to dispute

I have about 11 accounts XXXX with 3 late payments on each for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I  called and deferred these loans several times, and was told each time that the late payments would be deleted since they were deferred. On top of that, they referenced a form they would mail in regards to this, but was never received. Now I have 3 late payments across 11 or so different loans and it has significant damaged my credit, all because XXXX XXXX did not due as they stated through phone conversation.
Complaint sub-issue: Debt is not yours

I received notification through credit monitoring that a debt collection from Jefferson Capital Systems was reported on XX/XX/XXXX in the amount of {$700.00}. It originated from XXXX. I called the company and learned it was from XXXX XXXX, had been turned over to debt collection in XXXX of XXXX, and was being pursued for collection with a letter having been issued in XX/XX/XXXX. They can not tell me what the debt is for aside from a phone number not used by any member of our household unless it was a hotspot number. I called XXXX XXXX on a local level. The manager could not, nor would assist. I called XXXX XXXX 's billing department. They could not, nor would assist, aside from providing me with this telephone number for resolution. I called Jefferson Capital Systems again. No assistance, but did file the account as disputed. I've also disputed with XXXX  and XXXX. 

I left XXXX XXXX due to billing issues that arose from their change in billing systems in XXXX. It was a widespread issue that affected many. One month your balance is {$0.00}, the next {$900.00} and overdue. I resolved the issue in store, went straight to XXXX with a {$0.00} balance from XXXX XXXX and terminated my services. The store manager was directly involved and knew I was terminating the account due to the lack of reliability and best business practices of the company. I've also reported to the XXXX. Note, the company 's score is 1.9 of 5 with hundreds of complaints registered. 

After six years of having no issues, no contact, and no supporting evidence of the debt owed, I believe this is just shy of criminal behavior. I would like this removed from my credit report immediately. Not listed as a charge off. Dismissed. Erased, Gone. 

The staff of both the collection agency and company are of no assistance and can provide no details. Again, the contract was terminated in XXXX after having been a customer since XXXX. I have maintained the same cell number throughout the years, and continue through today. 

Also, I will note that during Covid, I was being called and harassed by credit card collections for accounts not even in my name. They were calling me due to an old residence that my husband and his cousin had shared in the past. Because companies could not reach the cousin 's wife, they were calling myself and my son for information. I've never even met this woman. 

It makes this recent collection all the more suspicious and unnerving. Therefore, I've locked my credit in fear of fraudulent activity. This is impacting my ability to apply for a job. Quick resolution is of the essence.
Complaint sub-issue: Was not notified of investigation status or results

I have taken several looks at my credit report and noticed that these companies aren't reporting consistently. there are negative and unauthorized that were removed from one credit bureau but not on all three. According to FCRA these companies are legally supposed to report accurately and consistently. There are also hindering and unauthorized accounts that are still reporting when it shouldn't be. I need these accounts removed please!
Complaint sub-issue: Information belongs to someone else

My wallet was stollen in XX/XX/XXXX, which had all of my personal belongings in it. My personal belongings consisted of my ID, Social Security card, Debit and credit cards. The person who stole my documents proceeded to a credit fraud. They applied for the following inquiries on my credit report : - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX - XX/XX/XXXX - XXXX  XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX All of these inquiries were not authorized by me and is needed to be removed from my credit report immediately.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Untitled { XXXX XXXX XXXX Medical Subject has not XXXX debt. } 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: Reporting company used your report improperly

You're in violation of the law! 

Until you can show me that you gave XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I demand that this data be removed. According to HIPPA, the health insurance portability and accountability act of 1966. I reserve the right to preserve my medical records, personal information, and privacy from all outside authorities. Send the proof to the address you have provided for me, please. The letter I'm asking to be delivered serves as confirmation, and I ask for all the information you got from the provider regarding the purported debt. 

FCRA is broken if you keep reporting this supposed medical debt without properly confirming it and showing me proof of my consent. You just have 30 days to delete this material, and if you don't, I'll start legal action.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The following credit bureaus have VIOLATED MY CONSUMER RIGHTS : XXXX Equifax XXXX XXXX5 U.S.C. 1681 section 602 A States I have a right to privacy.

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

15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose All three credit bureaus identify themselves lawfully as consumer reporting agencies according to their website ( XXXX ) I was told several times by XXXX and other bureaus that they will refuse to remove information from my credit report because " I haven't verified my identity ''. I have already sent them numerous complaints with my correct information such as my social, mailing address from my banking statement, and government ID as well. 

I have reported this information that is invalid on my credit file the bureau has not been able to provide me with a copy of the verifiable proof. Telling me as the consumer that information on credit reports is verified without proof of my natural being signature and written instructions is unlawful. The bureaus aren't above the law and must remove the information listed below and the attached docs such as the identity theft report. 


Additionally, the failure to respond with a free copy of my report after the changes have been made will result in the damages created by the following bureaus ; XXXX, XXXX, Equifax The following damages will be taken to civil court on XXXX 2023 in XXXX XXXX if, monetary relief isn't given for the following damages : XXXX ) Defamation of Character XXXX ) Negligent Infliction of Emotional Distress XXXX ) Violation of XXXX U.S.C. XXXX Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX states that I'm entitled to {$1000.00} per violation Each credit reporting agency owes me monetary relief of {$5000.00} in remedy Invalid credit inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found 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 reporting on my XXXX XXXX : XXXX XXXXXXXX {$790.00} XXXX  XXXX {$0.00}
Complaint sub-issue: Old information reappears or never goes away

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good,
Complaint sub-issue: Account information incorrect

the company scammed me into getting the card. i had to file a complaint with you already. i was waitimg for a resolution to the complaint so i did not pay any of the bill. the complaint was resolved in my favor so i called tto pay the balance and i was in collections. i then paid my card and closed my account. now i have nefative credit because of it. i called and XXXX employee number XXXX said they could only called the risk review dept and the would not respond for 30 days.
Complaint sub-issue: Public record information inaccurate

Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my report.
Complaint sub-issue: Information belongs to someone else

Inquiry details on my account, Please remove this. Thank you! 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have recently obtained a copy of my XXXX  credit report. It showed a credit inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my Home loan application and making it very difficult for me to acquire credit I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward documentation that you have already had the unauthorized inquiry removed. 

However. should you find that I am remiss and that you did have my authorization to inquire into my credit report then please send me proof of this fact Thank you very much.
Complaint sub-issue: Debt was result of identity theft

Here is another fraudulent account that has been appearing to my credit report. I have filed FTC for this last month but it seems no one is taking action to get rid of this inaccuracy. Again only your agency EQUIFAX is reporting this inaccurate information that is really making an impact to my credit report. 

Company : XXXX. 
Account # : XXXX
Complaint sub-issue: Information belongs to someone else

I have sent in multiple dispute and fraud reports to Equifax and the collections agency. I have yet to receive any documents from Equifax or the agency furnishing the results of the dispute. They have not sent back anything paperwork/documents verifying that this is my account. They only close my dispute and say they verified that it is my account without any proof.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is regarding the following billing disputes with Citibank : XXXX XXXX XXXX Purchase Price {$9.00} Purchase Date XX/XX/XXXX Dispute Date XX/XX/XXXX Withdrawn XX/XX/XXXX : XXXX XXXX XXXX Purchase Price {$10.00} Purchase Date XX/XX/XXXX Dispute date XX/XX/XXXX Withdrawn XX/XX/XXXX : I was issued permanent credits with no additional documentation required. Recently, I was informed by Citibanks executive office, XXXX and XXXX, that they have been issuing me permanent credits, but when a merchant disagrees with my dispute, they have still been paying them as well. Then, they have been taking the amounts and charging them off on their P & L sheets. Then, they have been coding my disputes as misrepresented despite failing to ask me for my own supporting documentation. 
I have discussed the problems with refunds over the last 12 months with the XXXX store manager, I have written an online complaint to their corporate office ( they still have no responded ), I have filed a XXXX   complaint against their corporate office ( they still have not responded ). The XXXX store manager apologized for the problems and has issued me in-store comps for three meals. I have received two so far. I have withdrawn both of the disputes despite not knowing whether Citibank paid this merchant or not, because they have failed to provide me with a complete list of the so-called misrepresented disputes. Despite withdrawing both, the only one that has been rebilled is XXXX. In addition, despite asking for full dispute paperwork and the merchants response in writing to their billing department, they have failed to provide me with the documents to date. In addition, Citibanks Notices and Letters page isnt showing any of the dispute paperwork. The majority of my dispute paperwork has either never been uploaded or has mysteriously vanished. They have also not sent paperwork to my mailing address regarding these disputes. 

I am including screen prints of the dispute summary, copies of the comped receipts, copies of e-mails sent to billing disputes, a copy of the transaction rebill, a copy of how to calculate sales tax for XXXX, and a copy of this letter in PDF format.
Complaint sub-issue: Information belongs to someone else

Equifax is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform Equifax to delete the inquiries but they still have not done so. 

The inquiries are XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Dear CFPB, This complaint is against Equifax on their incompetence with following updating accurate personal information. As of XX/XX/XXXX, I, XXXX XXXX XXXX, after months dealing with Equifax jumping through hoops I received a letter stating they had updated my date of birth to XXXX as for some fradulant info had my DOB as XXXX XXXX. That's odd because if I that was my DOB one of the fradulant accouts that were open I would have been 4 years old. 

Here it is XXXX and now my DOB is still incorrect in their system as they didn't update my DOB and they still have the fraudalent birthday on their file. They said they don't see a case # related to my name back in XX/XX/XXXX. That's strange I have a 18 page report here on my desk from Equifax stating they updated my DOB! ( Confirmation # XXXX ) I have attached that letter from their within this complaint. 

Abosolutely Insane as they are to protect us! Outdated questions on information about my past credit cards ext ext. This should be updated by Congress the amount of questions they can ask! 

I have sent emails, been on the phone with 3 supervisors, faxed them all information. In order to now track it again I went on line and upload information on their website which they sent me another case reference # ( XXXX ) with a different fax # on the cover letter which no suprise the fax # not operating!! ( Wonderful Customer Service ) I am trying to purchase a vehicle & they have placed an extended fraud alert on my account from XX/XX/XXXX and says on their file blocked for promotional purposes. Yet I have sent all my documentations and they continue to not have the info corrected in a timely manner. 

How is it that Equifax is still in business being at their mercy. I will want to be in a class action suit against them for all my troubles with this Burea. I have all my documents from XX/XX/XXXX with Equifax and the investigation stating my information had been updated. 

Now XXXX Still having the same problem with them! This particular dealership only pulls from Equifax causing me to possibly lose the rebate to buy this car. 

Your assistitance in this matter would be greatly appreciated. 
Thank you Kindly for your assistance and attention the urgency of this matter. 

XXXX XXXX
Complaint sub-issue: Personal information incorrect

I attempted to fix my date of birth with myEquifax on XX/XX/XXXX. It says I was born in XXXX on their report. This is stopping me from being able to move into a home because that information doesnt match the other credit bureaus. I am XXXX not XXXX!! You would think this would be an easy fix. But NO!. They ask me to verify my identity and its wrong everytime because they have it listed incorrectly. I know for a fact it was correct before their " breach ''. I attempted to send a picture of my DL on their site. The site prompted me to call customer service. Customer service says they cant do anything I should mail a copy of my ss card and DL. I dont feel comfortable sending my info in the mail since I already had identity theft issues because of them and I have to have a perment freeze on all of my reports. I asked if I could email it..the guy who barely spoke English and sounded as if he was in a daycare said I could FAX it! Where am I going to get a fax machine? I asked for a manger..he said no. Lol.. I continued to ask because now its clear he's not even in the U.S. he says okay and then HANG UP!.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.