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

Equifax is furnishing reports from XXXX XXXX XXXX XXXX, but i did not give Equifax permission to do so. Pursuant to law 15 USC 1681b ( In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ) Equifax has violated my rights and broken the law because I have never given Equifax my written instruction to furnish this report.
Complaint sub-issue: Their investigation did not fix an error on your report

paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXX XXXX XXXX -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX  -updated balance and never deleted like they said they agreed to do.
Complaint sub-issue: Company closed your account

I received a letter from PNC Bank stating my account would be closed on XX/XX/2021 but no reason was listed, just instructions on the closure of the account and debit card associated with it. Called the XXXX number and spoke to a representative that informed me my account is being closed due to the branch filing a complaint referencing rude/sexual comments. Shocked at the news, I wanted to discuss with the branch manager to find out why this is happening, and to also bring up to attention that this is untrue and maybe a mistake. Branch manager XXXX XXXX was not willing to discuss any details, and just kept referencing me back to the XXXX number ( whom referred me to the branch manager initially ). Needless to say nothing has been accomplished. I am extremely offended that something like this would be reported on myself, and that I can not even defend myself so that I don't have to go through the hassle of not only having to find a new financial institution, but to have to transfer all automatic debits/deposits as well. I am elderly and this is not easy for a person like myself to accomplish.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, my report shows two separate inquiries made by Embrace Home Loans and XXXX XXXX from XX/XX/XXXX, which I did not authorize. Today, XX/XX/XXXX, I called XXXX XXXX  and the gentleman informed me that they were authorized by Embrace to run my report to see if I qualify for a home loan, which I am not currently looking to purchase. When contacting Embrace Home Loan, I attempted multiple times to call from my mobile phone and called three different numbers in which the message stated the numbers were all disconnected. I then called from my work landline, and finally got through. The young lady I spoke to stated the company looks up random names, research their information and forward it to a credit company for approval odds and should not post as a hard inquiry on my report, it did. She then forwarded me to their specialist which did not answer my call to see what can be done about removing the inquiry. These inquiries were just posted to my report and affected my score. It is unacceptable for any company to run a report for approval odds of any kind without authorization.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX is claiming I owe them a debt. They have not verified the amount which is incorrect, have re-aged the date ( claiming the " delinquency '' is newer than it really is ). Falsely reported it to the credit bureaus, even though another company they contracted with stated they would not be reporting it, and did not notify me they were attempting to collect on a time-barred account, as per XXXX XXXXXXXX XXXX. They also have not provided any documentation that would prove they have a legal ownership of the alleged debt.
Complaint sub-issue: Report provided to employer without your written authorization

In accordance with the fair credit Reporting act Convergent Account # 12345, has violated my rights.

15 USC 1681 Section 602 Sates I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I consumer did not consent too nor authorize these inquiries that are reporting to my Equifax consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Equifax. I did not give them my written consent to obtain my consumer report per section XXXX XXXX XXXX ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section XXXX XXXX XXXX ( c ). I sent Equifax an identity theft report via USPS certified mail. Is Equifax above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Equifax humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If Equifax can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my XXXX because of the fraudulent activity that Equifax let concur on my consumer report.Equifax stole my identity and sold my private information without prior consent.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I purchased a XXXX from XXXX XXXX, in Florida, on XXXX XXXX XXXX. I informed them I would finance it through XXXX. I specifically called Equifax to remove a freeze so XXXX could do a credit inquiry. I subsequently noticed 3 credit inquiries, two for XXXX and one for XXXX XXXX. Also, XXXX shows an inquiry for XXXX and one for XXXX XXXX. 

I called XXXX XXXX to inquire as to why there was a credit inquiry from XXXX XXXX when I told them I 'd finance through XXXX. I was promised a return call. I waited a week and tried again. Same result. I submitted a " talk to the GM '' to XXXX XXXX management through their website, which promised a response within a day. No reply. I tried again, no reply. I called again, now in XXXX, and spoke to the finance manager, and she said she could n't help since it was more than 30 days. I requested the issue be brought to the attention of her management and she reluctantly agreed. I still have not heard anything and it has been 6 weeks since that discussion. 

I did not request, nor authorize financing or inquiries from XXXX XXXX and would like that inquiry removed. I also dont fully understand why XXXX needs to do two credit inquiries for 1 sale.
Complaint sub-issue: Account status incorrect

EOS CCA has illegally re-aged a collection debt and did not notify me of this account.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX was denied credit for a truck loan by XXXX XXXX  XXXX, CT. 
Wanted credit report from " Sagestream llc ''. 
Sent in all required forms and info which included, Name, birth date, address including zip, phone number and Social Security number. 
They refused in a call back by saying " Doc '' was expired which it was not. 
Doc was a temp Drivers License printed out page with the expired date of XX/XX/XXXX. Can not reach them by phone. 
Something is not right.
Complaint sub-issue: Account status incorrect

In regards to ACCOUNT # XXXX : This auto loan was paid off on time every month from XXXX XXXX-present. 
As of XXXX XXXX the account was current, but XXXX  XXXX decided to charge off the account with no late payments starting XX/XX/XXXX. No 30 60 or 90 day late yet a charge off is being reported. XXXX  XXXX stopped generating statements in XX/XX/XXXX and never sent anything in the mail saying I was past due, The car was eventually totaled and my insurance company paid off the loan balance less {$1000.00} deductible.During this process I continued to make the monthly payments. As of XXXX, with Covid, I was laid off from my job. I called XXXX  XXXX who agreed to take a monthly payment of {$27.00} to satisfy the remaining {$1000.00} deductible payment. This payment, as agreed, has been taken out of my bank automatically. They have been reporting late payments every month since XX/XX/XXXX - present. As of today the deductible payment is paid off in full but they are refusing to validate/ explain to me the charge off. No where on my account on their website does it show the account being charged off yet they are reporting a charge off to all the credit bureaus. I have reached out my mail with no response and my phone where they hung up on me.
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX, there is no third party involved, Im submitting this info for myself by myself!

I did not consent to, authorize or benefit from the following accounts. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. ''
Complaint sub-issue: Information belongs to someone else

Equifax I submitted documents to your company 7 months ago advising fraudulent accounts on my credit file. Let me start by saying I live in XXXX. XXXX, Al and have been all my life. Now these documents I submitted back in XX/XX/2022. And as of XX/XX/2022 these items are still on my credit file. I want them rovef ASAP, else I will file a Legal Law Suit. Enclosed is my ID Alabama, police report, and proof that these accounts were open up in. XXXX XXXX Nevada and a address reporting on my credit file is fraud. Please remove ASAP
Complaint sub-issue: Public record information inaccurate

I claimed chapter XXXX bankruptcy in XXXX of 2014 and has been discharged already, and still says open on credit report. Also XXXX credit report shouldnt it fall off after 5 years for a chapter XXXX?
Complaint sub-issue: Their investigation did not fix an error on your report

Back in XX/XX/XXXX, I noticed my credit score had dropped, due to a balance on my credit card that was processed at the end of XXXX. I immediately contacted the company to report the fraudulent charges on my account. I had not used my account in over a year. Unfortunately, I had discovered that my data was compromised during the XXXX  breach. XXXX XXXX confirmed that the charges were fraudulent, and as instructed, closed my account in XXXX. 

Although my account was closed in XXXX, my credit report reported a late payment for this account. When I spoke to representatives, they had assured me XXXX XXXX twice, that my account was resolved and closed, with no balances. This late payment is categorized as 30 days past due for XX/XX/XXXX, how? The company closed this account in XXXX! 

In XXXX, the company instructed I send the company a letter, explaining my situation and how my credit score dropped over 100 points. I did not hear back .... I called in XXXX, and spoke to upper management and they assured me by XXXX, the changes will be reflected. I called in XXXX, and it was still not reflected, the representative stated it takes 30 - 60 days, but no longer than 90 days. I was then told XXXX definitely. It is near end XXXX, my credit score is still the same ... and this has been a traumatizing experience of over 6 months handling with no progress ... .. I am supposed to apply for a mortgage and this has been very disappointing.. I don't know how else to resolve. This case should already be open on the credit lender.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX OPENED XX/XX/2018 This account is reporting inaccurate information. The auto loan was sold and the deficiency balance is not {$4000.00}. The company has failed to report the accurate balance and I demand this account be deleted from my file immediately.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent in a letter disputing some items on my credit report, I have not heard anything back and I am beginning to think they are deliberately ignoring me, I have took it upon myself to submit this complaint with the CFPB because I would like some help resolving this matter, it is also to my understanding that they have 30 Days to respond with their investigation results, if the items are inaccurate or unverifiable they must be deleted at once, I have also took it upon myself to read the CFPB information on this website that it is my right to dispute anything on my credit report and I have also found the law cites According to section 611 ( a ) FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THESE ITEMS FROM MY CREDIT REPORT. Thank you CFPB for helping me with this matter. My information was also impacted by the Equifax Data Breach and may have got into the wrongs hands.
Complaint sub-issue: Didn't receive enough information to verify debt

I contacted Unifin XXXX  times via their online portal and XXXX via chat to ask for documentation of validation for the debt. 

When on chat I was told they were only a collection agency and didn't have that information. Was also told there is no statute of limitations on debt and it will always be connected to my SSN. I denied this and asked again for validation and they stated they would note I was unwilling to pay. I tried to say this isn't right and they ended the chat. I have screenshots of this conversation.
Complaint sub-issue: Can't close your account

On XXXX I deposited my first paycheck into citi bank I spent {$15.00} to get home from bank and when I woke up the next morning my account was blocked when calling Citibank they stated they did not see any suspicious acitivity on my account and connected me to the fraud department when connected I was told my account was blocked for suspicious activity which this is a new account so it didnt make any sense I was told my account was referred for closing review up to 60 days I should receive a letter and my remaining funds in the account and was then hung up on disrespectfully it is now XX/XX/2022 pass the 60 day period and I am still getting the run around havent recieved any letter about my account nor the Remaining funds in the account this has put a big dip into my stability when I reached out last week I was told my letter was sent which I never recieved and once again was hung up on disrespectfully I need answers and a solution citi bank has done this to multiple clients with no explanations and refuse to give money back that rightfully is their own
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a hard inquiry from XXXX XXXX showing on my Equifax credit report that was from an account opened via identity theft. The account has been closed and taken off of my credit report by all 3 bureaus, yet Equifax has not removed the hard inquiry from this XXXX credit card that is still showing on my report. I already submitted all of the documents asked for by Equifax via mail in order for them to complete the blocking of accounts that were a result of identity theft. They removed the account but not the hard inquiry. Please have this item removed, as you can clearly see that I did not contract with XXXX and I do not consent to this information being shown on my account.
Complaint sub-issue: Attempted to collect wrong amount

my credit card debt of {$830.00} was sent to United Recovery Systems. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ 50 monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. 
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.
Complaint sub-issue: Information belongs to someone else

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity
Complaint sub-issue: Debt is not yours

CEASE AND DESIST COLLECTING ON XXXX XXXX AND XXXX XXXX XXXX ACCOUNTS DEALING WITH THE ORINAL CREDITOR. 
ALSO, CEASE COMMUNICATIONS YOU ARE VIOLATING THE DODD-GRANK ACT.
Complaint sub-issue: Their investigation did not fix an error on your report

I tried to come to an agreement with the bank XXXX XXXX. I wrote, emailed called and sent letters they just charged off my account and submitted it to collections. I submitted disputed with Equifax to no avail. This my last hope to be able to get this resolved and try to fix my credit. I never not wanted to pay on the contrary I had always paid on time and fell on hard times but I still wanted to come to an agreement.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Purchased a walk in tub in XX/XX/XXXX. In XXXX, XXXX, the heated back and hydrotherapy functions stopped working. I called for service. Between that date and XX/XX/XXXX, I called for three service calls. The final time was XX/XX/XXXX. I got no response and I sent a letter to XXXX XXXX notifying them that under the terms of the credit agreement I signed I would make no further payments until the tub was either fixed or replaced, preferably replaced. On XX/XX/XXXX, a repairman came out for another service call. On XX/XX/XXXX, someone from XXXX called demanding I set up payments by phone to cover a missed payment from a year ago as well as my XXXX payment. He proceeded to tell me that I could not withhold payments due to dissatisfaction with my tub because this was not a credit card purchase ( unlike I had been told by several other people in discussions on the phone ) and that if I didn't make this payment and a half on XX/XX/XXXX it would go against my credit and go into collections. If I refused to make payments at all because I was " unhappy with my purchase '' and it went to 120 days out, XXXX and XXXX XXXX XXXX would sue me. I had signed a secured consumer contract and was responsible ( with my husband, who I am now divorced from ) for payment. He then went in and pulled a credit report and started reading off to me all my accounts and telling me that I was paid up on all of my other accounts, and he didn't see why- if I was current on everything else- I wasn't able to catch up and pay my XXXX bill current. He even went so far as to ask 1 ) If I couldn't ask my auto loan company to wait a month so I could use the money from that to pay XXXX and 2 ) Knowing that I am now divorced
Complaint sub-issue: Debt is not yours

On XX/XX/19 I mailed out a letter requesting verification and it has been past that timeframe and nothing was mailed in response to me for this debt that does not belong to me.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Opened XX/XX/2013 Balance {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Complaint sub-issue: Account status incorrect

I went into XXXX  XXXX on XX/XX/2019 and purchased a red leather love seat.financing was to be thru XXXX ... .i paid {$49.00} down .... 
I changed my mind..and called the furniture store and Cancelled ... On.XX/XX/2019 The day of delivery ... a truck driver called to confirm .... 
I wasn't at home and told him ... i had cancelled .... 
One week later ... XXXX XXXX..called for the first payment .... 

I told them ... I did not take delivery of the couch..and I'm not paying NOTHING I don't have ... 

They started calling weekly ... so I visited the furniture store ... He refused to show the signed delivery receipt ... .So I wrote out a formal cancellation letter and letter ... 

Now they are reporting late payments on my credit report .... 

I want them removed from my EQUIFAX account i subsquently bought a loveseat from XXXX XXXX ... ..
Complaint sub-issue: Problem getting report or credit score

Multiple attempts failed by varies means. Just today a lender accessed my file when I am supposed to have a credit security freeze in place. Evidently as meaningless as the fraud alert they lied to you about. I guess lies are ok. Also records posted by creditors incorrect impacting my ability to gain credit due to extremely low score.
Complaint sub-issue: Reporting company used your report improperly

I sent this credit bureau a letter about two bankruptcy reporting on my credit report. The letter stated that the US bankruptcy court does not report bankruptcy to the credit bureaus. Some third party person reported this without my permission.
Complaint sub-issue: Account status incorrect

This account was opened on XX/XX/2015. It is 7 years and 4 months old. This account has passed its limits and should be automatically removed.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I gave my son XXXX XXXX XXXX permission to drive my XXXX XXXX XXXX and on this day he was involved in a car accident which totaled out my car. My problem with this is the report has my information tied the accident along with his but it show my license number along with my Social security number. I need for this to be corrected because its affecting my car insurance rating. I need help with this please.