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

I have been back and forth with Equifax attempting to recover from identity theft. several items were notated to all 3 bureaus but Equifax refuses to accept my identity theft report and formal disputes of those said items. I have written them 4 time since XX/XX/2019 but they continue to violate the FCRA section 609, 611, 616, and 617. They never furnished me the information needed to conclude that those account are being reported legally. I have attached my initial request to Equifax as proof they received the dispute. I'm now prepared to forward all 4 disputes as a record of the willful non compliance of this bureau. their inaccurate reporting of this unverifiable information has and still continues to cause me damages and emotional frustration.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Address XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

It has been 4.5 months since the request for investigation of verification and accuracy of data stated in my report on XXXX XXXX filed with Equifax. The investigation has been opened on XX/XX/2020. Yet, there is no result on reporting, documentation, or any verification of the ownership or debt. Instead, Equifax keeps giving runarounds and damages credit score. My other credit reporting bureaus managed to correct the problem. Not Equifax. 

However, Equifax continues keeping inaccurate information that hurts my FICO score. It prevents for renting or buying a property. 

According to the 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. ( 1 ) Reinvestigation required. ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( C ), the 30-dayperiod described in subparagraph ( A ) may be extended for not more than 15 additional day sif the consumer reporting agency receives information from the consumer during that 30-dayperiod that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

There has been no account with XXXX or its relation. In this case I demand interference of CFPB to enforce the rules on Equifax to delete an unverifiable account. The compliance is overdue in accordance with Federal Trade Commission ( FTC ) rules on the FairCredit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.
Complaint sub-issue: Information belongs to someone else

Just wanted to report identity theft, fraud, error Inquiry details XXXX. Personal loan XX/XX/2019 XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of my rights.

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A section 2. Also states a consumer reporting agency can not furnish without my written instructions.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Company called every day repeatedly as early as XXXX to try to collect a balance that I do not owe.
Complaint sub-issue: Public record

I have disputed several times several public records listed on my personal credit file with Equifax. There are inaccurate remarks and even duplication 's. I ca n't get anywhere with this agency. Please help as they are listing # XXXX tax lien for {$80000.00}, # XXXX tax lien again for {$80000.00}, # XXXX {$1700.00} and # XXXX tax lien XXXX I do not owe any tax liens and these are a mistakes listed. Please help
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These are NON Account inquiries, and I have requested deletion of them.
( 1 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX  XXXX, NH XXXX ( XXXX ) XXXX.
( 2 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX  ) XXXX.
( 3 ) XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX.
( 4 ) XXXX XXXX - XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX I contacted XXXX XXXX XXXX XXXX XXXX/ about removing the following inquiries that resulted from credit limit increase requests made on line that did n't indicate Hard Inquiries would be done. I was told that I could dispute them with the credit bureaus without any affect to my account with them but I was told that I could n't by the Credit Bureaus. The following are the dates of the Inquiries on my report ; XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

Bought a mattress from Macys XX/XX/XXXX I did not have enough credit available on my regular card. The salesman called Macys and received approved for {$3800.00} and did not explain that this was a 24 month program and if I did not not pay if off during that time I would be charged {$2700.00} in XX/XX/XXXX. I have made regular payments on this account since then and today got my statement that shows a balance {$5500.00}. I mentioned that the salesman did not explain the details of this type of account and that I was in no position to pay it off to avoid the extra charge. They offered me arrangement to may {$840.00}. for 3 months until XXXX and they would waive the {$2700.00}. I stated that due to the COVID-19 pandemic I was not able to make such a payment and was in a mortgage forbearance with my Mortgage. Again, had the salesman gone over the details of the credit, I would not have made the purchase that day. They should have explained the details. Now I own more than the mattress cost. I will be pay double the amount. I talked with 2 customer service reps and 2 superviser. They did not offer any reasonable solution. SHAME on MACYS.
Complaint sub-issue: Debt is not mine

My son has a student loan through CITI. We cosigned loans with him. After struggling to make payments he worked out a solution with CITI and has been making the agreed to payments. The lat payment was XX/XX/XXXX. Currently, there is no delinquency on this agreed to schedule. 
XXXX XXXX XXXX alleges to be a collection firm for CITI and is trying to collect on the debt that our son is already paying. In effect they are trying to collect twice on the same debt. We are not a party to the agreement between CITI and our son. Further, I suspect that XXXX XXXX XXXX is merely a reorganization of a company that has been listed on the FTC site as no longer able to operate as a debt collection service.
Complaint sub-issue: Information belongs to someone else

Dear, Equifax there is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified Transactions are not information related to any transaction by me as the consumer. Accounts : XXXX XXXXXXXX ( Opened XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I have also attached a copy of my FTC Report, proof of identity, and proof that i was impacted by the equifax data breach, I look foward to your response, Thank You.
Complaint sub-issue: Information belongs to someone else

Acima digital FKA account, this is not my account. It is my XXXX XXXX XXXX account and I do not have the equipment or whatever was purchased. I have no idea what this account is for and did not give anyone authorization to purchase something under my credit. This needs to come off my credit report, I do not owe this money. I am trying to purchase a home for myself and XXXX children. I need this off my credit reports. 

Thank you
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

ATG Credit contacted me in XX/XX/XXXX trying to collect a medical debt of {$5400.00}. This came as a shock to me and after doing some research, I do not believe this charge is valid. 

Over 4 years ago, in XXXX XXXX XXXX I received a XXXX XXXX while under the care of XXXX XXXX XXXX. XXXX XXXX XXXX was the lab that performed the test. It appears XXXX XXXX XXXX filed for bankruptcy in XX/XX/XXXX. XXXX claims they now own their debts, and that is why this bill has suddenly surfaced. 

I learned of the Fair Debt Collection Practices act and asked for evidence of ATG owning this debt and how their company got assigned the debt. They have not provided that information. I called ATG in XXXX XXXX XXXX to ask about where this debt came from and details of how it changed hands and my questions were met with hostility and eventually I was hung up on. 

When I spoke with my previous health insurance company, XXXX XXXX XXXX, about this claim they had different totals associated with the bill than what ATG is asking for. 

Furthermore, I asked XXXX XXXX office to review the bill that ATG sent and they said it is suspect based on what they know about what insurance usually covers ( for example, the labs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not covered and they are normally covered, even with minimal coding ; while tests for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were applied to my deductible, which is unusual. ) This suggests that this blood test was never properly billed to insurance and is factually incorrect. 

Lastly and perhaps most importantly, since it has been over 4 years since the date of service, I believe this medical charge is outside of the statute of limitations in the state of California.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Complaint sub-issue: Debt is not yours

I was injured in a slip and fall upon private property and the property owner of insurance supposed to have covered all medical bills. And now the debt collect are billing me or coming at me for unpaid bills. Due to my injuries I personally suffered.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 620 A. States I have the rights 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: Account information incorrect

In accordance with the fair Credit Reporting act XXXX Account numbers, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 USC 1681 Section 602A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for purposes.
Complaint sub-issue: Account status incorrect

Conns XXXX XXXX continues to inaccurately report an account that was paid offf-settled in full as a charged off account owing a balance of {$2900.00} to XXXXThis has prevented me from finding a suitable home.
Complaint sub-issue: Account status incorrect

on XX/XX/XXXX my collection account agency submitted an account deletion to EQUIFAX on XX/XX/XXXX it was deleted. On XX/XX/XXXX Equifax decided to reinsert the collection account back on my credit report. I contacted Equifax and they say it is reporting correctly i have the collection agency contact EQUIFAX and EQUIFAX still refuse to delete account.Out of the 3 credit bureaus EQUIFAX is far the worst one.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank is not handling a valid fraud case, and I have opened it four times and submitted supporting documentation and each time they ignore it. My balance is now {$5300.00} account ending in XXXX. I opened this account several years ago to pay for ONE semester left of XXXX XXXX and I finished that year and then my college accidentally charged me for another semester, even though I had already XXXX, finished my schoolwork, and XXXX. I have proven this with varied documentation from my university but Citibank refuses to help even though, by Law, they are bound to do so. 

I am now XXXX and living on XXXX. I have XXXX XXXX XXXX. Citi is reporting this account to the three credit agencies each month and they have ruined my credit. I have stopped paying on this account because these charges are not mine! I have been so sick that calling in is very difficult most days but I have been able to write emails, fax and snail mail letters, and in all I have sent about 31 and I have kept detailed records of each. Citi continues to blow me off and as a XXXX person this is discrimination. I need this account to be cleared off of the Charges that are not mine which is the bulk of the balance through XXXX, University XXXX XXXX XXXX. 

I have read through my legal agreement with Citi and it clearly states this is their responsibility to do. I have also talked with a XXXX lawyer who told me to start making complaints like this one to draw attention to the issue. 

Please help me. These are not my charges! I have proven this!
Complaint sub-issue: Personal information incorrect

I have a auto loan for a car with XXXX XXXX. XXXX XXXX  had my incorrect address on file, they was sending my mail to a Virginia address, that I never lived at. I just got that Virginia address removed from XXXX, XXXX and Equifax account. I had to call to and update my address for that account. 

In accordance with the fair credit reporting act convergent 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: Other problem

I have requested a letter stating that my wife has been removed as an authorized user on three different occasions. On each occasion a letter is faxed but the requested information is never listed. The fax takes 24-48 hours to come through so this process has now been unfolding for over a week.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. section 602A states I have the right to privacy. 15 U.S.C. section 604A section2 also states a consumer reporting agency can not furnish an account without my written consent. In accordance with the fair credit reporting act, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. section 602A states I have the right to privacy. 15 U.S.C. section 604A section2 also states a consumer reporting agency can not furnish an account without my written consent. furnish an account without my written consent. 



In accordance with the fair credit reporting act, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. section 602A states I have the right to privacy. 15 U.S.C. section 604A section2 also states a consumer reporting agency can not furnish an account without my written consent. Furnish an account without my written consent.
Complaint sub-issue: Frequent or repeated calls

I have a personal loan with One Main Finance. The loan was due on XXXX XXXX the payment is in the current month due. But they started calling me on the XXXX non stop. The loan is n't even XXXX days past the due date. Calling me XXXX times or more a day leaving messages. All day calls starting at XXXX ending around XXXX. Even calls to my phone on Saturdays.
Complaint sub-issue: Personal information incorrect

I REVIEWED MY CREDIT REPORT AND I NOTICE THAT MY PERSONAL INFORMATION ARE INCORRECT. 
I TOOK ACTION AND SENT A DISPUTE. IT HAS BEEN XXXX  DAYS AND THE INCORRECT INFORMATION ARE STILL IN MY CREDIT REPORT. 
THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
PLEASE DELETE INFORMATIONS
Complaint sub-issue: Personal information incorrect

There is an incorrect address being reported on my credit files.
Complaint sub-issue: Debt was paid

Hi Debt was already paid to a zero balance. Credit file does not reflect debt paid in full.
Complaint sub-issue: Attempted to collect wrong amount

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 consumer reporting agency if the reports are false.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX and XXXX XXXX XXXX bankruptcies were filed by online scam companies in an attempt to save my house from foreclosure while under modification with XXXXXXXX XXXX aka XXXX XXXX. All three bankruptcies were dismissed XXXX of the bankruptcies was reported as a XXXX XXXX which is incorrect and also was dismissed I have contacted the bankruptcy court they indicate they do not report to credit bureaus I had disputed these items with the credit bureaus multiple times I have not been given any proof of verification, these are third-party public information they are making it difficult for my business and personal credit and are a violation of the Fair Credit Reporting Act
Complaint sub-issue: Attempted to collect wrong amount

Approx XXXX I had an account with XXXX XXXX, which ended when the cell company refused to show me reasoning for the amount claimed owed approx. {$750.00}. I specifically ask for dates, reasoning for the extra charges, why we were being charged the extra fee 's, who authorized any additional plans, etc ... XXXX responded back stating the account had been turned over to a collections agency. We immediately contacted the collections agency requesting the same intel as with XXXX. The collector replied stating they were unable obtain the intel we were requesting, but demanding to be paid. So we refused to pay the amount of the debt we simply did NOT owe, but simply offered to pay what they could prove we owed ... I admit we owe them money, but only XXXX of what they claimed. Now, 5 years later, we have a different collector requesting to be paid, but each time, with each collector, the amount keeps growing ... Now, the bill has grown to {$1000.00} but offering if we pay in full, they 'll reduce it to {$530.00} and show on our credit report " AGAIN '' as a debt write-off ... Which I 'm sure they will sell that amount to a different collector ... How can our XXXX allow for the credit companies to keep selling and re-selling, and re-selling, and keep re-selling a debt and keep putting it on your credit report without having to show how or why you owe the amount claimed ...? Any help is greatly appreciated ... Many thanks,