Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

XXXX XXXX and XXXX caused some inaccurate information on crredit report that made a lender call me collecting a debt b/c of the data breach lending club corp XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due X/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Account information incorrect

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Complaint sub-issue: Information belongs to someone else

Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.
Complaint sub-issue: Account status incorrect

There is a mortgage that is reporting with XXXX XXXX XXXX that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX, XXXX Account # XXXX, Address XXXX XXXX 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 can not furnish an account without my written instructions.
Complaint sub-issue: Debt was paid

applied for credit card from total rewards credit limit was only for {$1500.00}. paid back loan at the tell end of loan only owed {$200.00} dollars paid back put account into debt collections management program because I thought that I owed more come to find out .the debt program and credit card company have me paying additional {$1500.00} which I do n't owe.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquires showing in my credit report that i didnt authorize i contacted credit Equifax and was told to contact person who did it and was no help contacted them back told them it was fraud and no one wanted to help instead i was told that if they dispute it nothing is gon na happen its not gon na be deleted they are going to send a letter telling me to contact them who did inquiry
Complaint sub-issue: Didn't receive notice of right to dispute

In XX/XX/XXXX I pulled copies of all 3 credit reports from the credit bureaus. I noticed I C Systems Collections listed as a collection account. In XX/XX/XXXX I disputed with all 3 bureaus and it came back as verified. On XX/XX/XXXX I sent a certified letter demanding validation of alleged account. ( Certified mail receipt enclosed ) Prior to this I never received a dunning notice. I was never notified within 30 days of placing negative information into my credit file.
Complaint sub-issue: Investigation took more than 30 days

I have contacted the major credit reporting agencies multiple times regarding fraudulent and inaccurate information listed on my credit report. The inaccuracies remain on my report even after I have supplied proof that the items do not belong to me.
Complaint sub-issue: Personal information incorrect

There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  XXXX  letters,  XXXX  fax, and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

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

I have been victim of identity theft, accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordace with FCRA, fraudulent information should be block from consumer credit file. 
XXXX police report # XXXX is attached.
Complaint sub-issue: Funds not received from closed account

The online account was closed by XXXX on XXXX  without prior notice. Upon contacting the the bank I was told for business and that no further explanation would be given. I requested the final balance be retuned to me at which point I was the funds {$120.00} would revert back to the institution they were sent from. I contacted them again a week later and my balance accordingly to the associate was 0 I told them I never received my funds at which point she repeats the same line repeatedly closed for business reasons Ive never had an experience like this and Id never use XXXX or any of it affiliates in the future
Complaint sub-issue: Seized or attempted to seize your property

First I was contacted by company XXXX XXXXXXXX XXXX XXXX on the XX/XX/19. 
Ive been told by person from this company that I owe Best Buy money. I told that person that I already paid twice for Best Buy. He contacted the last agency that have received a payment from me. He said that he has a completely different account that he has on file. He offfted me settlement of {$1000.00}. I unfortunately do not remember how much was the original balance. I paid the settlement. Today I received a call from ( XXXX ) XXXX, transcript of the voicemail ; XXXX ________ this is ______ XXXX at attend a ______ in XXXX County contacting you in regards to some legal documentation that does require your signature you will need to make yourself available immediately I am assuming you will be at a place of employment at this time so I will head there first if I can not locate you there I will be going to the home address on file with that being said this is a very time sensitive matter so if you have any questions concerns or you need to reschedule delivery ____ filing party immediately at XXXX and give them case number XXXX I called the XXXX number and provided the case number. After a hike Ive been told by a woman that I have to pay balance with Best Buy or otherwise I will face legal charges. After a lot of holds they offered me a settlement of {$2700.00} and I asked if I could divide payment. I only could pay {$1000.00} today, they told me that I have to pay around {$350.00} and in 30 days the other {$1300.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

This XXXX XXXX account showing Charge Off on my Equifax Credit report is not my account. I am listed as an authorized user. I have sent letters to Equifax and XXXX and neither have removed this from my credit report. It is really hurting my credit score and I need it removed.
Complaint sub-issue: Can't close your account

I have been trying to close my father 's accounts after he passed away XX/XX/2016. I have been able to close all the accounts except this one with Citi Wealth Management. Every time I try to submit the documents they request, I am told that there are additional documents needed. I have submitted documents to them on at least ten occasions.
Complaint sub-issue: Personal information incorrect

Dear SXXXX XXXX XXXX, I am writing to you under the Fair Credit Reporting Act as I want my credit report to be 100 % accurate and complete. I do not want incorrect or misleading information on my reports. 

I am disputing false and inaccurate information on my credit report with your companies and I want all of you to carefully investigate and delete all false information related to my biological information. 

Here is the only correct information that you should be listing : My name is : XXXX XXXX My date of birth is : XX/XX/1959 MY Social security number is : XXXX The only correct address is : XXXX XXXX XXXX XXXX XXXX PA, XXXX The only correct phone number is : XXXX XXXX XXXX I only am employed at XXXX XXXX XXXX XXXX The following information used to be correct but is now wrong and I do not want this incorrect information on my credit report. 

XXXXAt one time in the past, I lived at the address of XXXX XXXX XXXX XXXX PA XXXX but no longer live here. I do not want any person or company to use these old addresses because I do not want to run the risk of identity theft or my personal information going to a bad address. 
Remove this incorrect information. 


I see false information that was never correct. Make sure you delete any other personal information items other than the correct items I have listed above. To help, here are some entries that were never correct that I want to delete ASAP : My name has never been : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I never lived at these addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OR I never had these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 never worked at these places of employment : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXX XXXX Balance : {$84.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Cashing a check

I deposited a settlement check for {$1400.00} on XX/XX/2019 at approx XXXX XXXX. I deposited the funds at the PNC ATM in XXXX, Al. After I made the deposite I was told that my funds would be released on XX/XX/XXXX. Well XX/XX/XXXX is here and my funds weren't releases. After waiting until mid-noon, I was told that PNC couldn't tell if the check is legit. But here 's a big problem, when I made the check deposite the day before I had a negative balance of - {$1.00} well today ( XX/XX/XXXX ) it was - {$0.00}, and even though it was a few cents, its obvious that PNC was able to draw the change from my check to my account which mean they know the check ia valid.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my  3rd disp ute with   XXXX   XXXX   regarding the inaccurate reporting of 30 days late for   XXXX   XXXX    . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.
Complaint sub-issue: Other problem getting your report or credit score

We have been trying to buy a house and when lenders run our credit nothing comes back from Equifax. They dont show any score, or any accounts. We contacted them and they said we needed to verify my identity, so we sent the documents in three times last year with zero response from them. We finally hired a lawyer this year and filed a lawsuit against them and they claimed the matter was fixed, but when I pull up my own credit report there is still nothing there from them. This has affected our ability to get a house, or a car, or anything that you need a loan for, and we cant get them to even respond to us by mail and there is no one to call or talk to. They just keep telling us to mail in documents but never actually do anything to resolve the problem.
Complaint sub-issue: Their investigation did not fix an error on your report

I resided at an apartment complex from XX/XX/XXXX-XX/XX/XXXX. I was signed on to the lease a few weeks after the original leaser ( my roommate ). After graduation, I left the apartment complex a few weeks before my roommate, as I was moving out of state. I called the complex and confirmed with the apartment complex leasing department that the account had been paid in full. My roommate was issued a refund on her deposit, though the complex had taken money out of the deposit, she still received a refund. Although the account was paid in full to the apartment complex, I paid my roommate {$150.00} dollars to cover my share of what was taken out of her deposit and any final utilities. 

Fast forward two years, in XX/XX/XXXX, I received an alert on my credit regarding a collections account from XXXX XXXX  XXXX apartment. Considering the account was paid in full and that I, nor my roommate, had never been contacted by the complex via phone, email, mail stating there was now a balance due, I have no knowledge of the account, nor believe it to be a valid debt. As such, I disputed the collections with the credit bureaus. XXXX and XXXX deleted the account from credit report within 2 business days. Equifax refuses to. 

I submitted my initial dispute with Equifax in XX/XX/XXXX ( Dispute # XXXX ). It took over 2 weeks from them to return to me stating that they confirmed the account belonged to me. I called on XX/XX/XXXX to inquire about their finding. I explained the situation above and asked if they had obtained proof of the validity of the debt, such as a final bill. The rep told me that they just confirmed it belonged to me. I then brought up the fact that the other two bureaus launched a similar investigation and have since removed the account from my report and asked about why Equifaxs findings were different. The rep immediately changed his story and advised that I had not filled out the dispute correctly, hence the discrepancy ; however, he would submit a new dispute ( correctly ) on my behalf to get the account deleted for me. I asked how I completed my original dispute incorrectly, as I followed all of the online prompts, and he essentially told me not to worry about it, since he was going to submit the dispute correctly for me. 

The rep submitted a second dispute on XX/XX/XXXX that concluded with the same results as the first dispute on XX/XX/XXXX. He submitted the exact same information as my initial dispute, which resulted in the same findings - that the account belonged to me, when I specified that I wanted them to confirm that the debt was valid. 

Though this particular complaint is primarily for Equifax, the apartment complex in question has a reputation for doing this to previous tenants and probably be investigated as well. I have attached numerous complaints from prior tenants ; however, I understand if this is outside of the scope of the CFPB.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX ( Paid in full ) {$0.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$3600.00} XXXX XXXX XXXX XXXX ( Never Late ) {$0.00} XXXX XXXX ( Paid in full & confirmed ) {$460.00} XXXX XXXX XXXX XXXX. ( Paid in full & confirmed ) {$160.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$170.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$830.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Complaint sub-issue: Account status incorrect

Was diagnosed with XXXX  and was ill. Called to make payment after recovery, autoamated system did not record payment. 
Original payment submited XX/XX/2020 recorded XX/XX/2020
Complaint sub-issue: Indicated committed crime not paying

I received a letter on XX/XX/2017 stating I owed a debt. I called and told them I was disputing it, and requested all information, and proof of debt to be mailed to me. The person refused to give me a email address, but stated he would put the dispute into action. 

XX/XX/XXXX I received a 2nd letter, and called again. They told me they had no record of my previous call, and that I would have to email them to dispute the debt. When I made a point to complain that they failed to provide any information to me within 30 days, they stated that I should not be able to dispute the debt since the debt was more then 30 days old. This is not true, and misinformation about what the law states. I then emailed the collector with the email address provided on the 2nd call. 

I feel they are trying to give misinformation about my rights, as well as " lose '' records of my previous conversations.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly lates on the USD/XXXX  ; XXXX ; XXXX/XXXX  and XXXX  student loan accounts. ( Please see attached spreadsheet as well as pages from my credit report for reference. ) These student loans are in forbearance and therefore no late payments should have accrued. This false reporting of lates is seriously harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to have these items removed however, I have not been successful.
Complaint sub-issue: Public record information inaccurate

Previous Case Number with CFPB : Case number : XXXX ( EQUIFAX HAS NOW FROZEN MY CREDIT REPORT AND HAVE FAILED TO ACT ON INFORMATION I PROVIDED ; I WAS INSTRUCTED TO PROVIDE ADDITIONAL INFORMATION ON MY IDENTITY AND I DID. PLEASE SEE ATTACHED DOCUMENTS ) On XX/XX/XXXX, and XX/XX/XXXX, I disputed an account reported by XXXX County Superior Court ; Case # XXXX ; Amount : {$1800.00} in the file you maintain under my Social Security number. 
I was informed on XX/XX/XXXX that the item was deleted from my credit report with Equifax. 
Now I discovered that the item has been reinstated on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five ( 5 ) business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the BBB. 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, GA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau This item has been removed from my credit report with XXXX, XXXX  and XXXX XXXX.