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

I, XXXX XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

Take the XXXX XXXX account off my consumer report its not suppose to be shared let alone displayed on my consumer report.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges filed ftc 60 days ago
Complaint sub-issue: Debt was result of identity theft

The company IC.SYSTEM.INC. Is requesting me to pay the sum of : {$3000.00} in Collection of an account that doesnt belong to me. 
Ive been a victim of ID Theft. 
Theyre harassing me and need to stop.
Complaint sub-issue: Investigation took more than 30 days

Close to 60 DAYS, for the investigation. 

Law requires 30 days. 

Equifax did NOT ask for an extension.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Due to the COVID-19 pandemic, for the first time ever in this account, I accrued a 30 day late payment mark on my credit report. This was all set in motion by the immediate halt to my families income. In all the chaotic mess, I missed my payment in XX/XX/2020. Otherwise, I have never been late on this account before or since. I am making more than the monthly payment amount and the account is actually getting close to being paid off. This pandemic was an unforeseen hardship and it should be held as such.
Complaint sub-issue: Debt was paid

We opened a short term credit account after our home received water damage. The loan was paid through XXXX, but the bank kept it open running up a {$2400.00} bill of interest. Then sent it to a collector after discussing the problem with the collector, it was determined we owed nothing and the problem was closed. 18 months XXXX submitted the same bill to another Collector to again try to collect the money again.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are inquiries on my report that I did not authorize.
Complaint sub-issue: Account information incorrect

Best Buy Credit Card/Citi Bank Balance is XXXX, its still showing a balance of XXXX on my credit reports.
Complaint sub-issue: Account status incorrect

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. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of XXXX XXXX. The Equifax XXXX has failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the Bureaus, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS CHARGE OFF ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX {$0.00}
Complaint sub-issue: Account status incorrect

I have multiple accounts that are reporting on my consumer credit report that is not showing 100 % accuracy this is a violation of the FCRA and I will be seeking litigation for these in accuracies because Ive been fighting these in accuracies over 4 to 5 months also ive been making CFPB reports also contacted the XXXX  and still nothing is coming about my rights being violated
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I received a text from XXXX XXXX XXXX XXXX with the following : First part of attached text : Contact information card with Hunter Warfield address, phone number, and payment portal but no context at all " Hunter Warfield a debt collector has a message for you. Please contact us at one of the options on the attached contact card. Reply Stop to Opt-Out from Text. '' Due to grammatical errors and no current debts owed through collections, I don't believe this would be a real debtor outreach attempt, even if the company is real.
Complaint sub-issue: Account status incorrect

I have disputed items and closed accounts on my credit report with Equifax and XXXX for many months. Not only have they not removed the closed accounts, which would hopefully raise my credit score, they put old accounts that haven't been on my history for years, back on to my credit history. If an account is closed, why won't they remove it from my credit history?
Complaint sub-issue: Information belongs to someone else

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILES. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED. IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


XXXX XXXX XXXX/Credco Corelogic/Credco The only banks authorized them to do what they needed were XXXX  XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Problem with statement of dispute

I am currently disputing negative items on my Equifax credit report upon every dispute I am penalized Equifax drops my score by major points. Is this fair? I am trying to pre-qualify for a home loan. The way Equifax is dropping my score for every dispute I will never get a fair chance to be able to own a home. Can someone help me understand why I am getting penalized for fighting the negative information on my credit file.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX / XXXX / {$700.00} / ( Original Creditor : )/ XXXX / {$150.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Complaint sub-issue: Problem with paying off the loan

Payoff of my lease with US Bank was sent on XX/XX/XXXX to US Bank address listed on the written payoff statement. The payment was received by US bank on XX/XX/XXXX. The dealer has written confirmation of delivery and receipt of the payoff check. I have called several times to verify and confirm the payoff was revived and applied. each time I was told by the US bank customer service person that they have no record of receiving the payoff check. I believe they have intentionally stalled in applying the payment to my account. Costing me money and threatening my excellent credit standing. They are liars and committing fraud.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Date : XX/XX/2021 Amount : {$350.00} In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that Credit Bureaus must look into this matter as required to do so under the FCRA. If CREDIT BUREAUS do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please fix these Accounts from my report : XXXX  XXXX XXXX Balance Owed : {$1.00}, XXXX XXXX  XXXX XXXX Balance Owed : {$1100.00}
Complaint sub-issue: Investigation took more than 30 days

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
The information listed below appears on my credit report but I did not make or approve of these transactions. 
The following accounts are not mind account. No knowledge account. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter. 


XXXX XXXX # XXXX XXXX XXXX XXXX mine account. Please delete. 
XXXX XXXX XXXX Account # XXXX.. Not mine account. Please delete. 
XXXX XXXX XXXX # XXXX. Not mine account. Please delete.. XXXX XXXX XXXX # XXXX.. Not mine account. Please delete XXXX  XXXX XXXX XXXX {$380.00} XXXX.Not mine account. Please delete XXXX XXXX XXXX # XXXX.. XXXX Not mine account. Please delete. XXXX XXXX # XXXX Not mine account. Please delete. 
XXXX XXXX # XXXX Not mine account. Please delete. US DEPT OF EDUCATION # XXXX mine account. Please delete. US DEPT OF EDUCATION # XXXX Not mine account. Please delete. XXXX XXXX  # XXXX Not mine account. Please delete.
Complaint sub-issue: Company closed your account

On XX/XX/2021 discover closed my account stating it was a business decision to close my account because personal information was not able to be verified. However, on XX/XX/2021 I signed and returned the IRS consent form XXXX discover requested in order to verify my information. I provided all my personal information accurately and weeks later they still closed my account because they apparently were not able to verify my personal information. I called and attempted to have this resolved with the company and they would not help me. The only response they would provide me is it was a business decision to close my account and they could not help me any further. Ive had this credit card for over 3 years and Ive never missed a payment. I also use the credit card often. They closed my account and now my credit score has lowered. I was hoping that my credit score would not be affected since this account was in good standing prior to closing.
Complaint sub-issue: Report provided to employer without your written authorization

Account # XXXX Account # XXXX Acount # XXXX Account # XXXX Account # XXXX Account # XXXX Has Violated my Rights 15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Funds not handled or disbursed as instructed

My PNC checking account ending in " XXXX '' was debited TWICE, once on XX/XX/XXXX and again on XX/XX/XXXX for {$1900.00}. The first auto transfer of XXXX IS NOT SCHEDULED and was linked to a old business account ending in " XXXX ''. PNC allowed our non-profit to link to personal accounts. Under the old " XXXX '', there was a $ XXXX monthly transfer scheduled to come out XX/XX/XXXX. That account was terminated by me and PNC informed me that all banking would cease including scheduled transfers. So I scheduled the {$1900.00} under ONLY my personal account for {$1900.00} to be withdrawn on the XXXX of each month. PNC did not remove/cancel the old transfer as I was told so there were two transfers, one illegal.. I contacted PNC customer service and left the conversation highly underwhelmed with NO RESOLUTION. I need answers for this not to happen again.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I originally opened my card in  XXXX    XXXX   and they granted me a {$1500.00} credit limit. That was very low at the time so I contacted them and asked if they could increase it. They said that I had to wait  six months and  that at that time they would review my account for an increase and most likely I would  qualify due to my high income and excellent credit. It has now been six months and I called them to increase the line and they once again refused to increase the line but did not give me a reason why. They then tried to coerce me into keeping my account for another six month s in order to potentially have the limit increased. My other credi t cards range from 10,000 to 20,000 credit limit but this card is only 1  500. Citibank lied to me   when I opened the account stating that if I kept the account f or six months that I would be eligible for a limit increase. I then told them to close my account and they transferred me from representative to representative trying to avoid closing my account. I asked them five different times to close my account and the account is still not close d. I would either like the account permanently closed or the limit increased to at least {$5000.00}. I have never been late on any of my payments, I keep my credit limit below 20 % of the limit, and I pay the card in full every month.
Complaint sub-issue: Their investigation did not fix an error on your report

Wayfair. Account closed continued charges with them not providing justification.
Complaint sub-issue: Didn't receive enough information to verify debt

Since XX/XX/2018 I received a bill from a third party PMAB , LLC stating that I must pay the balance of XXXX for an outstanding medical debt. I immediately took action in writing the company asking them to verify my debt, not once, not twice but three times. I was aware of the debt but I wanted them to validate the alleged debt with a breakdown of fees. Additionally under the Health Insurance Portability and Accountability Act ( HIPAA )  Im allowed to protect my privacy and medical records from third parties, and don't recall giving XXXX XXXX XXXX permission to release my medical information. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request was twofold validation of debt and HIPAA authorization. 
They never could provide a breakdown of fees including any costs and medical charges, nor a copy of my signature with the provider of service to release my medical information to them. However I asked them kindly to cease any credit bureau reporting until the debt could be validated by me. I sent mail certified each time allowing up to 30 days for a formal validation request, which I'm allowed to do so under the FDCPA. Which currently withholding the information they received from any medical provider in an attempt to be HIPAA compliant can be a violation of FDCPA because they are deceiving me after my written request. Which was a full documentation of what they received from the provider of service in connection with the alleged debt. Time and time again after reporting this debt to the credit bureaus prior to allowing me to validate it has been violation of the Fair Credit Reporting Act, which can allow me to seek damage from a collection agent.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from R.A. Rogers Inc dated XX/XX/XXXX. A collection that was placed by XXXX XXXX XXXX XXXX for a amount of XXXX. This is the only letter I have from R. A. Rogers Inc. This account appeared on my credit report without giving me 30 days to dispute a portion or all of the validity of this debt. The date on the letter is XX/XX/XXXX the date I got the alert about a new collection on XXXX XXXX was XX/XX/XXXX the actual date it was reported was XX/XX/XXXX.  It takes 30 days to appear on your report. How is this reporting fair. This collection is on my report before anything is verified.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX 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
Complaint sub-issue: Account status incorrect

I sent in my written disputes to cancel every collection account that appears on my credit reports. According to the Fair Credit Reporting Act sections 609 and 611, all of these collection accounts shall be removed from all of my credit reports.
Complaint sub-issue: Account information incorrect

I am filing a dispute to have the current status updated on my U.S.DEPT OF EDUCATION LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States Dept of Education. US DEPT OF ED/XXXX/XXXX # XXXX, U S DEPT OF EDXXXX # XXXX, U S DEPT OF EDXXXX # XXXX
Complaint sub-issue: Information belongs to someone else

Someone had an account with XXXX XXXX so when I found out I called them to let them know and to close the account. Now every once in a while I recieve another random inquiry from capital bank so I had to dispute and lock my credit report. However, even though I told them this wasnt my account when I called to have it closed. They are still reporting a balance on a CLOSED AND INCORRECT ACCOUNT It had been over 120 days and I have been constantly sending letters with no reply.
Complaint sub-issue: Old information reappears or never goes away

XX/XX/2014 balance {$41000.00} Called to dispute old balance from XXXX XXXX 's be removed from my credit file because it is affecting my credit worthiness. The files were not removed and now XXXX has the student loan files showing as closed and transferred still with the same balance of {$41000.00}.
Complaint sub-issue: Not given enough info to verify debt

I have asked AFNI Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Complaint sub-issue: Reporting company used your report improperly

XXXX has this False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankrupcty on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they don't verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. I will be forced to sell remedy in court if this issue is not taken care of.