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

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information is not mine

Someone stole my personal information and identity. I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : 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
Complaint sub-issue: Personal information incorrect

WHAT IS WRONG WITH THIS COMPANY EQUIFAX??? THEY KEEP PUTTING ADDRESSES ON MY CREDIT FILE THAT DOES NOT BELONG TO ME, NOR IS THERE A CREDITOR REPORTING THESE ADDRESSES!!! THEIR THE ONLY CREDIT REPORTING COMPANY THAT KEEPS PUTTING FALSE INFORMATION ON MY CREDIT FILE!!! 

I HAVE DISPUTED SENT ADDRESS VERIFICATION TO THIS COMPANY AND THEY CONTINUIOUSLY KEEP PUTTING WRONG INFORMATION ON MY CREDIT FILE. ITS A NO WONDER THEY ARE BEING SUED!!! THEIR SYSTEM IS HORRIBLE!!! THIS IS FREAKING RIDICULOUS!!!!!!!!!!!!!
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Complaint sub-issue: Account status incorrect

Good day! 
I was trying to get a approval to buy a house and I received this report on my Equifax credit bureaus that I was late on XXXX XXXX for 60 days in XX/XX/XXXXand XX/XX/XXXXmonth XX/XX/XXXX, it is incorrect information I was always on time and never was late for 30 days or more I paid XX/XX/XXXX andXX/XX/XXXX bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Equifax bureaus.
Complaint sub-issue: Frequent or repeated calls

My exhusband skipped out on a debt in my name that he was ordered to pay in then divorce decree. I set up interest only payments but they tried to debit his account instead of mine and it was blocked and then they wouldnt let me reinstate. Im currently having to pay the loan but it has fallen behind due to these extenuating circumstances. The day after they receive a payment from me they start calling me at all hours of the day. Ive had calls before XXXX XXXX and after XXXX XXXX on the same day. I get no less than 3 calls a day and thats a slow day. It is harassment plain and simple.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$6800.00} XXXX XXXX Balance {$780.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX Inquired on XX/XX/2020 XXXX
Complaint sub-issue: Old information reappears or never goes away

Checkr background company wont update and release my driving report so I can continue to drive with XXXX & XXXX. This has been going on for about 11 months.
Complaint sub-issue: Information belongs to someone else

I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX, XXXX A FRAUDULENT ACCOUNT, XXXX XXXX  XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached below all of the hard inquiries that I have tried to dispute with XXXX.
Complaint sub-issue: Received bad information about your loan

I am requesting proof that I am indeed the party that the US DEPT OF ED/XXXX are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The US DEPT OF ED/XXXX is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. I will not hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.
Complaint sub-issue: Information belongs to someone else

I was recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I got in contact with Federal Trade Commission and police. I need your help. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX XXXX.
Complaint sub-issue: Account status incorrect

I tried opening a bank Account back on XXXX XXXX, XXXX with XXXX XXXX. However, when they pulled my consumer report, it showed up that I have had 2 prior bank accounts with BB & T from XXXX XXXX & XXXX XXXX XXXX within a month or so of one another which these accounts were BOTH OPENED ONLINE FRAUDULENTLY!! 

I contacted both banks, personally, once receiving a letter in the mail regarding a check in the amount of {$6000.00} plus dollars, was attempted to be deposited into the account via the web or app picture submittal on the newly opened bank account. This check came back as a Fradulent check & was returned! 
I HAD ABSOLUTELY NO IDEA UNTIL RECEIVING A NOTICE BY MAIL OF THE ACCOUNT EVEN BEING OPENED!! 
Not even a month or 2 later, they opened another account online with XXXX XXXX XXXX Exact SAME WAY, online. Attempted to deposit EXACTLY THE SAME CHECK VIA THE APP ONCE AGAIN. JUST THREW A NEW BANK ACCOUNT THRY OPENED ONLINE WITH A NEW FINANCIAL INSTITUTE!! 
Once again I received a notice by mail of the RETURNED FRADULENT CHECK which was written off a bank account from Over seas!! 

Anyways, I immediately went to each bank, and closed each account, IMMEDIATELY AFTER RECEIVING THESE MAILED COMMUNICATIONS IN BOTH INSTANCES!! 

In both instances, the financial institutions NEVER GAVE ANY MONIES TO THE ACCOUNTS OPENED. IN BOTH CASES. THEREFORE THERE WAS NEVER ANY MONETARY VALUE FOR EITHER INSTANCE. 

SO ONCE VERIFYING MY IDENTITY AND THE FRAUDULENT OBTAINED ACCOUNTS AND EACH INSTITUTION COMPLETED THEIR OWN FRAUDULENT INVESTIGATION. I WAS CLEARED OF ALL WRONG DOINGS IN BOTH CASES. AND TOLD I HAD NOTHING TO WORRY ABOUT!! 

Now, THESE EXACT TWO FRAUDULENTLY OBTAINED ACCOUNTS OPENED IN MY NAME ILLEGALLY ALL THIS TIME AGO. IS CURRENTLY PREVENTING ME FROM OPENING UP ANOTHER PERSONAL BANKING ACCOUNT WITH MY ACTUAL SATISFACTORY FINANCIAL INSTITUTION AT XXXX BANK!! 

I have faxed and completed EVERYTHING I WAS ASKED TO COMPLETE, via by phone with you all, BB & T as well as XXXX XXXX XXXX. 

However it is now going on MONTH FOUR AND I HAVE STILL RECEIVED ABSOLUTELY NO RESOLUTION REGARDING THIS INACCURACIES WITHIN MY ACTUAL CONSUMER CREDIT REPORT FROM YOU ALL. 

PLEASE CORRECT THIS INACCURACY IMMEDIATELY. AS I AM FIXING TO PURCHASE MY SECOND HOME AND CAN NOT DO SO UNTIL THIS ISSUE HAS BEEN RESOLVED FINALLY!!! 
ALSO I CAN NOT EVEN OPEN ANOTHER BANK ACCOUNT WITHIN MY BANK UNTIL THIS ISSUE HAS BEEN RESOLVED AS PROMISED FOUR MONTHS AGO NOW!! 

I WAS PROMISED RESOLUTION IN A MAXIMUM OF 15-30 DAYS! 

YET ITS BEEN FOUR MONTHS TO DATE, AND STILL NO RESOLUTION OR CORRECTION OF MY CONSUMER CREDIT REPORTING AND CURRENT STANDINGS WITH MY CONSUMER REPORT HAS BEEN BROUGHT TO DATE AND CURRENT SHOWING I HAVE A GREAT CREDIT STANDING AND ALWAYS HAVE!!! 

Please correct this immediately.
Complaint sub-issue: Reporting company used your report improperly

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. 

XXXX - XX/XX/XXXX- has violated my rights. 

XXXX XXXX, XXXX XXXX - XX/XX/XXXX - has violated my rights. 

XXXX - XX/XX/XXXX- has violated my rights. 

XXXXXXXX XXXX - XX/XX/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 Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted
them without notifying me 5 business days after and certifying that the items was validated properly.

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 person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Old information reappears or never goes away

I had a loan with AES opened 11 years ago. The delinquency started in XXXX..TEN YEARS AGO. The loan was charged off ( XXXX ). I have disputed this with the three bureaus and they left it on my file with a very generic excuse " we checked with the student loan entity and they said the information was correct ''. Apparently that is all that the CFPB does in XXXX for manipulation of dates and data by data providers. 

But the " last activity date '' of XX/XX/XXXX is seven years past the actual last activity..and even the bureaus historical data shows 120 lates back to XXXX. So this proves that their data is completely in error. 

This item is over the 7 year obsolescence time frame and needs to be removed from XXXX XXXX and XXXX as provided by federal law
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - XXXX XXXX XXXX XXXX XX/XX/2020 EQUIFAX  - XXXX XXXX XX/XX/2020 XXXX  - XXXX  XXXX XXXX  XXXX  XX/XX/2020 In addition, there is a duplicate inquiry from XXXX XXXX XXXX XXXX on XX/XX/2020 listed on my XXXX  credit report.
Complaint sub-issue: Debt was result of identity theft

I have disputed this account before due this loan was taking out on behalf a identity theft and I am not responsible however the debit collector and lending club said they do not believe me. Which is very biased.
Complaint sub-issue: Was not notified of investigation status or results

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to the pandemic we COVID-19 the  world is facing now my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Not given enough info to verify debt

I wrote a letter to the debt collector AR Resources , Inc. requesting information on the debt they say I owe. I received a letter from them and attached was a generic invoice indicating I owe {$630.00}. It was not from the Hospital and they did not answer any of the questions I asked.
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 C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, 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 address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Complaint sub-issue: Information belongs to someone else

Account XXXX showing on my consumer report, associated with XXXX. Advised by XXXX  I have been removed from Financial Responsibility.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple complaints against XXXX, Equifax and XXXX. This complaint is in response to XXXX and other complaints I have submitted. I XXXX XXXX XXXX am submitting this complaint on my own behalf. I, XXXX XXXX XXXX am the original creditor in all consumer credit transactions that are listed in the debt base system of the aforementioned credit reporting agencies. I XXXX XXXX XXXX am the credit per the Truth In Lending Act found at 15 USC 1602. The information listed on these reports are ALL inaccurate and false and misleading as I, XXXX XXXX XXXX am the original creditor and each company listed is a debt collector per the Fair Debt Collection Practices Act. Per the Fair Credit Reporting Act I submitted written instructions as the consumer and natural person for items to be removed from my credit report. In addition I sent in a certified letter which all companies did not honor the demand of the consumer and are still in violation of my consumer rights. The first violation is the violation of 15USC 1681a ( 2 ) ( b ) as extensions of credit directly or indirectly should be excluded from the consumer report. To further as mentioned I sent in a certified letter pursuant to 15 USC 1681b ( 2 ) stating my rights that were violated by the credit reporting agencies. In addition each company refers to themselves as Credit Reporting bureaus which is false and misleading as the term bureau means the Consumer Financial Protection Bureau. Lastly there were several items deleted from my XXXX credit report that is direct admission of the company violating my consumer rights and for that I am asking the CFPB to enforce the law. For the violations listed the total invoice amount is {$3000.00}
Complaint sub-issue: Account opened as a result of fraud

On Sunday, XX/XX/XXXX, I received a notice from East West Bank that my application was approved for an account through them. However, I never applied for a checking account through this institution. I attempted to contact them through their questions email ( XXXX ), but did not receive a response. This account was opened as the result of fraud.
Complaint sub-issue: Sent card you never applied for

On XX/XX/2019 I applied for a Citi XXXX Card online. At the end of the process I selected " Agree '' and " Submit '' thinking I would be able to review it before it was finalized. Instead, it was immediately approved for {$5500.00}. I DO NOT WANT THIS CARD. I have tried repeatedly to contact Citi, 12 phone calls in all. I get transferred and transferred and transferred and they end up giving me the phone number I called in the first place. Today, after my last attempt to cancel the application and/or card, after getting transferred 3 times, they asked for my phone number. I've had the same land line number for the past 4 yrs and they said it wasn't a valid number. I do not have a cell phone, only this landline, XXXX. So once again I was transferred to someone overseas who told me he would have to call me back to verify my information. I said fine. He said I'll call you right back. That was over an hour ago. 

I am tired of wasting my time trying to get a response from these people. I DO NOT WANT A CITI CREDIT CARD. I want the application to be voided or withdrawn or whatever process they have to CANCEL IT.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX   BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}
Complaint sub-issue: Attempted to collect wrong amount

I owed an amount much less that what this company is saying which is XXXX XXXX AND NOW THEY HAVE A THIRD PARTY ON ME XXXX XXXX  SENDING ME LETTERS AN CALLING BACK TO BACK. They have added alot of extra interest Plus money onto my last bill .please guide me in what to do Now. Ty
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not Authorize XXXX to give Inquiries on the following dates XX/XX/XXXX  and XX/XX/XXXX. These Inquiries are fraud I did not authorize them.
Complaint sub-issue: Investigation took more than 30 days

Lately I've been noticing that my credit score have been getting heavily impacted in a negative way, so I requested a report to see what is exact hammering my score, I then noticed that there were a number of accounts that I was not aware of and simply not mine. I then contacted the 3 CRA in attempt to verify and resolve these matters notifying them the law says they have 30 days to respond, how ever I've gotten no response. I've reached out to them in XXXX and they sent me back a copy of my credit report, ignoring my claims ... Ive requested the CRA to please send me a copy of the original contract bearing my signature on XX/XX/2022 and the names and addresses of the original creditor, I got no response... I then sent a letter notifying them that I was going to file a complaint. PLEASE HELP
Complaint sub-issue: Threatened to sue you for very old debt

Last payment to original debtor, XXXX, was on XX/XX/XXXX. Debt was sold to another company, UHG I LLC at unknown time. UHG I LLC has threatened to sue me pass the statute of limitations of four years in California and filed a lawsuit with Superior Court of California on XX/XX/XXXX. This debt is an old ( Time-Barred ) debt in California ( See line 4 on page 8 of attached document ). " If a debt is time-barred, a debt collector can no longer sue you to collect it. In fact, its against the law for a debt collector to sue you for not paying a debt thats time-barred. If you do get sued for a time-barred debt, tell the judge that the statute of limitations has run out. '' -https : //www.consumer.ftc.gov/articles/debt-collection-faqs # debts.
Complaint sub-issue: Problem accessing account

My account was closed due to a XXXX balance for a couple months but I was not made aware that this would happen. Also, I enrolled for a {$250.00} bonus offer ( see attached ) and completed all the requirements but never received it.
Complaint sub-issue: Card opened as result of identity theft or fraud

Cash App/Square allowed a user to open debit cards fraudulently using my name and address. This also caused inquiries on my credit report. They dont have a phone number for people who arent already customers so its impossible to contact them without giving them your data and becoming a customer.
Complaint sub-issue: Threatened to sue you for very old debt

I received a call from IC SYSTEMS and they asked for my social security number.I asked who I was talking to before I gave that information and they got load told me they would take me to court and garnish my wages and get a judgement.they would not give any other information untill I gave my social security number and I refused untill I knew who I was talking to.very rude.the number they called from was XXXX called back and again they were load and rude and hung up on me.I have no idea what they are calling about because I wouldnt give my social security number.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - CARD SERVICE XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Public record information inaccurate

LexisNexis ( LN ) did not inform XXXX of there findings in which resulted XXXX to report incorrect information. I am requesting to update XXXX of the updated information.