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

The following companies are recklessly failing to follow reasonable procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been asking for following account to be remove my credit do to false reporting and also the have not provided me with the model notice XXXX or XXXX form the creditors, this is required by the FCRA 623 ( a ) ( 7 ).

This is not a verification request, please remove these accounts. This is the third and final request.
Complaint sub-issue: Problem during payment process

On XX/XX/2015, my bill for {$63.00} did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. The account was closed and I now can not get a mortgage because of this mark on my credit. The company will not help me with this unfair situation.
Complaint sub-issue: Information belongs to someone else

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Complaint sub-issue: Information is not mine

According to my most recent credit report, Factual Data at XXXX XXXX XXXX XXXX XXXX CO XXXX is currently reporting to the XXXX credit bureaus that I applied for credit in XXXX 2014. I did not give authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. Having these inquiries are adversely affecting my credit report and is impeding my ability to obtain necessary credit.
Complaint sub-issue: Investigation took more than 30 days

Do not send me anything back telling me you can not locate my credit file, in an attempt to stall even longer than the 60 days you have taken to not respond to me, and that this is not me making this complaint and the many made before this. I know you think normal consumers do not know the law, but you are sadly mistaken. You have been given everything you need to identify me, my credit file and credit report, and the disputed account I have requested many disputes for. Your credit reporting is inaccurate according to 15 U.S Code 1681. You are in violation of the Fair Credit Reporting Act for inaccurate and unfair credit reporting methods. You are reporting and furnishing inaccurate information in my credit file from a XXXX  XXXX XXXX account. You are furnishing inaccurate and unfair information on my credit file, and according to 15 U.S Code 1681n and 15 U.S Code 1681o, you are engaging in willful and negligent noncompliance, and that is basis for actual and punitive damages, along with attorney fees. You are knowingly furnishing information with knowledge that it is inaccurate. I will be seeking damages of no less than {$1000.00} per violation and for the emotional distress you have put me and my family through with your inaccurate credit reporting methods. 

I have disputed many times with Equifax about this account and I have saved all communications going back almost 24 months to present in federal or state court if I have to. They took longer than 30 days to respond and they have also not done an investigation. E-Oscar or any other form of electronic investigation is unacceptable. I have requested everything in my file according to 15 U.S. Code 1681g and no original contract has been provided to me as XXXX  XXXX XXXX has admitted, they do not have a contract or anything that legally ties me to this XXXX  XXXX XXXX account, so I am not sure how this information keeps coming back as verified and I am not sure how Equifax is doing a reasonable investigation and have not come up with this finding. 

I have asked for a " description of the procedure used to determine the accuracy and completeness of the information ... '', as stated in 15 U.S. Code 1681i, but Equifax has knowingly and willfully decided to violate the law and not provide me with this information, especially in the 15 days stated in the Fair Credit Reporting Act. 

It appears Equifax has taken it upon themselves to re-age the XXXX  XXXX XXXX account information in my credit file, in addition to violating my privacy and consumer rights as it pertains to this XXXX  XXXX XXXX account. This is in addition to information that Equifax decided to " update '' and change on its own with no prior notice. 

Equifax has been given plenty of documentation that warrants the deletion of this XXXX  XXXX XXXX account from my credit file.
Complaint sub-issue: Sent card you never applied for

On XX/XX/2020, my wife and I received a Visa Debit card neither of us applied for. The address is Money Network Cardholder Services, XXXX XXXX XXXX, XXXX, NE. There is a Department of Treasury Seal on the letter. If this letter had fallen into the wrong hands and/or was not delivered to the correct address, a fraudulent person would have opened this card without our knowledge. This is a disgrace. Do not this case card or this bank.
Complaint sub-issue: Threatened arrest/jail if do not pay

J Northland called me stating I will be served with legal papers and responsible for legal fees. A warrant out for my arrest.
Complaint sub-issue: Debt is not yours

I HAVE CONTACTED EQUIFAX VIA PHONE AND MAIL TO GET INCORRECT ITEM REMOVED FROM REPORT ITEM IS NOT MY DEBT PLEASE REMOVE XX/XX/XXXX XX/XX/19
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I applied for pre-approval on a home loan through my personal bank with which I have done business for 20 years. When they tried running my credit report they informed me that EQUIFAX had a freeze placed on my account. 

At no point have I ever requested any kind of freeze be placed on my account, nor did I give EQUIFAX permission to do so. 

Since learning of this situation I have been trying to remove the block. Each time I speak with a representative they ask a series of time consuming and detailed questions about my credit history. Even though the answers I provide come directly from XXXX and XXXX  reports, EQUIFAX states they can not access my account because the answers are wrong. 

It has now been nearly two and a half months and I have lost the opportunity to purchase two homes I bid on. I am in danger of soon losing out on a third. 

EQUIFAX is consistently know as a troubled company. They have leaked personal information on several occasions. They make it exceedingly difficult to access or change information on personal credit reports. They insist that sensitive documents like Social Security cards and driver 's licenses be delivered to them via unsecured means like fax or postal service. Their turnaround time on requests and inquiries is abysmal. 

Considering the vast power credit reporting agencies have on buying power, potential employment and government security clearances, they should be easier to work with and deliver much better customer service. In comparison with XXXX and XXXX, there are serious improvements needed at EQUIFAX before they should be entrusted with the fate of so many people.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX  Account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  account 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit repot and noticed multiple fraudulent charges. few years ago while driving working on the road I misplaced my wallet.these accounts are stopping me from obtaining credit.
Complaint sub-issue: Public record

XXXX, XXXX, and Equifax has not provided the information I requested To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX, and Experian. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax, XXXX to date.I am requesting your assistance in putting an end to this matter. 
I am requesting the removal of bankruptcies ( below ) on my Equifax credit report due to Civil Case No. XXXX, XXXX v. Equifax Information Service , LLC, I did not know the source of their information on those judgments and bankruptcies and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. They have yet to provide the information I been asking. I called XXXX XXXX and a lady name XXXX they do not have the right to obtain any information without my permission. 
I also sent a letters informing them that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
They responded account verified without any proof. I trying to fix my credit situation and they are constantly giving me the run around, and are not providing the information I asking for. Can you please help.
Complaint sub-issue: Information belongs to someone else

On XXXXXXXX XXXX  I sent an identity theft report at and and that was received along with my drivers license because I am a victim of aggravated identity theft. Equifax is the only credit reporting agency that is reporting these negative accounts on my reporting financially causing me great harm. According to 15 us 1682 c-2 ( a ) a consumer reporting agency must block the reporting of all ny information in the file of a consumer identified as information that resulted from an alleged identity theft, not layer than four business days after the date of receipt by such agency.
Complaint sub-issue: Sent card you never applied for

I received a moneylion debt card that I never applied. I have never heard of this company and want this canceled..They advised they can't without my ss # and other info I am not giving them
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a case file in XXXX with the number : XXXX, and citi case : XXXX. Basically, we rented car from XX/XX/XXXX at XXXX for total amount of XXXX XXXX XXXX, but XXXX charged me with XXXX USD on XX/XX/2019, after disputed, refund me with XXXX USD on XX/XX/2019. BUT THIS IS STILL NOT RIGHT. 

please be reminded, this was happened in XXXX, I was supposed to be charged with XXXX XXXX, please see my original rental agreement nad final receipt I attached.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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: Account status incorrect

I took out a loan from CashCall in 2016 at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from CashCall was originally {$2600.00} at 135 % APR so 21 payments a total of {$6100.00}. CashCall states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. CashCall sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that CashCall demanded. I sent the payment on XX/XX/2016. as of today XX/XX/2016, CashCall has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.
Complaint sub-issue: Received bad information about my loan

I 've disputed and fought with fedloan servicing over the reporting of my accounts for the last 6 months and their record keeping and responses have been nothing but shameful. It makes me sick to think that they are in charge of so many consumers debts because they ca n't get mine right nor can they even respond with the appropriate accounts with the correct date opened etc. It 's truly a disgrace. I have disputed XXXX particular accounts with Fedloan Servicing and their first response to my XXXX page dispute sent Priority Mail was all of XXXX sentence long and just simply stated they could n't report any corrections before my credit report was reporting accurate information. How is it that I spent hours typing up this dispute and they spent {$20.00} to mail it and make sure it was received to receive a pregenerated generic response. I spent hours on the phone with customer service, I spoke to managers, and noone could understand what was going on with my loans. I sent a second letter disputing the XXXX accounts and sent my mail certified and received a response that did help me to understand the reasoning behind their decision, however, they listed XXXX accounts opened in XXXX of XXXX and only XXXX opened in XXXX of XXXX. The XXXX accounts I was disputing were both opened in XXXX of XXXX so truly their response still did n't answer my dispute/complaint in regards to the XXXX accounts opened in XXXX of XXXX. NOWWWW after reviewing my XXXX credit file, suddenly there are no longer XXXX derogatory accounts XXXX opened in XXXX of XXXX and XXXX opened in XXXX of XXXX but now as of XXXX there are XXXX derogatory accounts including a new one supposedly opened in XXXX of XXXX. Never did I have a student loan in XXXX of XXXX and I 'm confused as to where this even came from. Now I 've got to spend hours of my time to complain and tell this story and try and get a response from them that actually makes sense. Nowhere on the national student loan database nor on the Fedloan Servicing website do I show any loan opened in XXXX of XXXX. This has been an absolute nightmare and I 've put at minimum 40 hours into researching and trying to make sense of what Fedloan servicing has done with my student loans that are now preventing me from getting a home. Please see the attached documentation and try and make sense of their insanity. There were only XXXX derogatory Student Loans with them in XXXX reporting to XXXX and as soon as I start disputing and trying to make sense of their insanity, they then go and throw an extra loan with the same derogatory account history as the accounts I 've been trying to dispute. This has got to be illegal and I will not stop fighting until my credit report is correct. After 6 months and a multitude of letters being sent, this should not be an issue I 'm still having to deal with.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to you because you are reporting inquiries on my credit report that I do not recall. 

Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Complaint sub-issue: Information belongs to someone else

This Bill doesnt belongs to me of {$200.00} from XXXX XXXX XXXX and should be removed from my credit report Immediately.
Complaint sub-issue: Personal information incorrect

Called for help spoke to XXXX, transferred by XXXX to someone who was supposed to help me with the orginal reason for my call! I was hung up on by the next person when I complained about the hold time and improper transfer. I can not access the account online. I was told by XXXX would take up to 30 days to fix my address. Called back this time spoke to a XXXX who could help me and supposedly did -we will see. XXXX promised after what I need is done my account with them will be back protected in 15 days. Why did I have to call back or get hung up on? Why is this the worse customer service ever. Automated takes info and yet you still have to provide more multiple times!
Complaint sub-issue: Information belongs to someone else

there is no sufficient information to support Equifax 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX , XXXX XXXX XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Complaint sub-issue: Frequent or repeated calls

I have a credit card account with XXXX XXXX XXXX XXXX. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( United Recovery Systems-URS ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH XXXX ( XXXX XXXX ) and URS. Despite my attempts to make payment, XXXX wo n't take a payment and refers me to URS. Furthermore, URS indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is XXXX XXXX billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is XXXX XXXX still billing me? Why is URS indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). URS has also advised that interest and late charges can still accrue, which suggests that XXXX XXXX has not passed they debt. Please help.