Johnade/consumer_complaints_cfpb huggingface dataset:
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 XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
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 person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem getting your free annual credit report

I have been trying for over a year to get my credit report from all three credit bureaus. I keep sending them the information to obtain one, my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter. And when they have sent me information it is in someone 's elses last name
Complaint sub-issue: Account information incorrect

XXXX XXXX DOB:XXXX  XXXX XXXX XXXX SS : XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : Your company has been listing these items inaccuracy, no name of creditor, no contact information, this is inaccurate reporting According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification COLLECTION XXXX Unverified Account COLLECTION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX NOT MY ADDRESS XXXX XXXX XXXX NOT MY ADDRESS XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, GA XXXX XXXX XXXX  XXXX NOT MY ADDRESS XXXX XXXX, GA XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX XXXX, GA XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

In XXXX of XXXX I returned a leased XXXX XXXX and purchased a XXXX XXXX XXXX XXXX from XXXX XXXX via the XXXXXXXX XXXX  XXXX Dealership in California. A few weeks ago I received a phone call from a collection agency ( XXXX XXXX ) that I owed XXXX XXXX {$580.00} for " excessive wear and tear '' on the XXXX. I asked what the charges were for and requested a report. Three weeks later I received a report saying that the charges were for " floor mats '' and a " second key. '' At the time I purchased the XXXX XXXX, the salesman at XXXX XXXX XXXX, XXXX XXXX, removed the floor mats and took them out of the XXXX. Charging me for these is unfair given that I returned the XXXX with the floor mats and had no idea I was going to be charged some ~ {$210.00} for them. Secondly, I called the sales man and told him that I didn't have the second key and he said it was fine. There was no mention that I would be charged {$370.00} to replace it. But aside from all that, I never received written notification that this was an outstanding bill before being notified by Alltrans. I have a current car loan with XXXX XXXX and have electronic notifications activated on my online account through which I paid my XXXX and pay my XXXX car payments. I have a perfect borrowing history. I never received any notification through my online account. In fact, the account balance still says {$0.00}. I also never received a single phone call. I never received a paper notification. Now, Alltrans is threatening to report this and damage my credit unless I pay the balance. So I am because I feel threatened. XXXX XXXX has behaved unfairly, has been deceptive by not notifying me or communicating in the manner by which I have elected via our online communication agreement, and is being abusive by threatening me with damage to my credit score. I feel that this is wholly unfair, unethical and a violation of fair lending practices. Further, due to the lack of communication about these charges, I was never given the opportunity to contest or reconcile the charges with XXXX XXXX before being sent to collections.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.
Complaint sub-issue: Attempted to collect wrong amount

I paid off a debt with PDQ. I disputed it with the bureaus. PDQ responded to the dispute and left it on the file. This is an attempt to continue to collect a debt that I DO NOT OWE. The Fair Credit Reporting Act provides that the creditor has the same requirements to process a dispute in 30 days as the credit bureaus do. 

I disputed this directly with PDQ. They did not correct the balance in the 30 day window.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, XXXX/XXXX  Company Inquiries : 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: Public record information inaccurate

Equifax is the worse when it comes to reporting, to my surprise, as I look thru my credit file I saw all of the account that were discharged in a bankruptcy do not say discharged in bankruptcy and now they are counting one of the accounts late payments which is affecting me even worse, I do not owe those debts any longer and they have them listed like I do. They took these accounts out of the bankruptcy and thats ilegal to do. I will be contacting the attorney generals office today and I will also file a small claims suit against Equifax if this bankruptcy is not deleted at once, this might be a game to this company but not me, I hope I see this come off my credit file in 10 business days or I will not hesitate to continue my quest for justice. I will also place a complaint to the bbb or better business bureau.
Complaint sub-issue: Problem with fees

I always pay on time following receipt of paper statement. XX/XX/2020 's statement not received ( Covid Issues perhaps incurred by CITI ). AS a result, and following collection calls beginning, payment made 5 days late. Late Fee Assessed by CITI - disputable. Fast Forward to XXXX, LC balance not paid ; CITI assessed a second late fee for the first unpaid late fee and claimed original late fee as " deferred interest purchase. '' Called today, they stated the missing statement is not justifiable for being late on a payment. Would only waive the second late fee, but not until I paid the first late fee, XXXX  out the account ( predatory and bad debt collection practices ). 

I work in the XXXX XXXX/XXXX XXXX. We are not allowed to assess a late fee when a borrower does not pay for outstanding fees. How does a credit card lending company an exception to this lending regulation? While an interest rate of 20 % can't be applied to a late fee due to regulation, it is illogical for a late fee of {$28.00} for unpaid late fee of {$28.00} to be permissible and not defined as predatory as that's a 100 % revenue, better than any interest calculated on the low balance.
Complaint sub-issue: Information belongs to someone else

I noticed some fraudulent activity on my credit report that I did not authorize trying to fix my credit & get me and my family a house, so can you please remove them immediately.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

HunterWarfield ( XXXX ) XXXX FLORIDA XXXX No Transcript Available. 

VOICEMAILXXXXXX/XX/2019 Keep calling me and asking for another person who does not live here and do not know. This started on home phone and migrating to our cell phones. 
I have contacted them they are rude. I asked for a supervisor and get stone walled. 
Have insisted they remove my number after answering a phone call, they insist on wanting my personal information to remove my numbers. 
I told them I do not give out that information since they called me and should have my number. 
I want this company stopped they are exceedingly unprofessional. 
Us robo callers that you have to press a digit on the phone then they start this investigation into wanting info. As far as I am concerned I have not debt that they need to look into or look up my name to see if I have any. 
I have my utilities, home mortgage, and car loan. All paid in full and current.
Complaint sub-issue: Information belongs to someone else

XXXX  is recording a fraudulent account in my name XXXX  and XXXX  deleted account over 7months ago I need help please
Complaint sub-issue: Information belongs to someone else

I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter as well as filed a complaint with the Consumer Financial Protection Bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

As per lender the late payment reported are incorrect and lender has request on XXXX XX/XX/XXXX andXX/XX/XXXX ( more than once ) to delete late payment from all 3 credit reporting companies and but its not removed from the reports. I have contacted all 3 credit bureau but they says they have not received any such communication but when i talk to lender they says they have already communicated to delete from credit report. 

I am going through this loop again and again and no solution yet.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX XXXX HAS BEEN REPORTING TWO COLLECTION ACCOUNTS TO MY EQUIFAX CREDIT REPORT FOR THE LAST SEVERAL MONTHS. I HAVE MADE SEVERAL ATTEMPTS TO CONTACT THEM VIA MAIL IN REGARDS TO DISPUTE THE VALIDITY OF THE DEBT BECAUSE THEY NEVER SENT ME ANYTHING IN THE MAIL ABOUT THE DEBT THEY CLAIM I OWE. FROM WHAT I CAN SEE ON MYEQUIFAX.COM CREDIT REPORT BOTH ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED FCRA 15 U.S. Code 1692g ( b ) I HAVE ALSO ASKED EQUIFAX TO REMOVE THIS DEBT FROM MY CREDIT REPORT IN A RECENT DISPUTE BUT WAS TOLD THA THE DEBT CAME BACK AS " VERIFIED '' AND ACCURATE.
Complaint sub-issue: Problem with personal statement of dispute

Equifaxs investigation about my debt dispute with XXXX did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.
Complaint sub-issue: Information is not mine

While attempting to refinance my home mortgage in XX/XX/XXXX and XX/XX/XXXX, I discovered a Derogatory Collection Filed on my credit report that did not belong to me. Creditor listed as XXXX XXXX XXXX in the account number XXXX and original creditor being XXXX I c/o XXXX XXXX XXXX. Amount of {$390.00} had been sent to collections in XX/XX/XXXX. Upon my personal investigation with phone calls to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX. I was told that the name on this account was XXXX XXXX. The Social Security number they had on file matched mine. I am not that person nor have I ever used the name XXXX XXXX as an alias or any other alias 's for that matter. Furthermore I have never lived in LA nor have I ever been to the state. My efforts through XXXX XXXX XXXX, XXXX XXXX XXXX and the reporting agency XXXX XXXX, where the error had been discovered, to try and correct this error were not satisfactory. I then contacted my XXXX Congressional Rep, XXXX XXXX, and her staff helped me by filing a complaint on my behalf with CFPB. That complaint number was XXXX. After CFPB 's investigation a satisfactory resolution was achieved with XXXX XXXX deleting the derogatory information of the {$390.00} collection from my credit report XX/XX/XXXX. However I have now discovered that XXXX of the other major credit reporting agencies, Equifax/FICO and XXXX/FICO have not deleted the derogatory collections information from my credit reports regarding the XXXX XXXX XXXX {$390.00} error. The other XXXX agencies also have the name XXXX XXXX with my Soc Sec number listed under Source of Information. Another error. I was under the impression that once XXXX XXXX had deleted the incorrect information from my credit report and XXXX XXXX XXXX had corrected their error that Equifax and XXXX would update their records and delete the information also. But, after calls to CFPB and XXXX XXXX, I was informed that the Credit Reporting Agencies do not communicate this information with each other and each agency has it 's own methods of reporting information on consumers. I would like to have XXXX and Equifax delete the collections information and remove the name of XXXX XXXX from my credit reports. Also Equifax and XXXX have an address listed for me in XXXX, IL under the Source of Information that I have never lived at. I have lived in XXXX, XXXX since XX/XX/XXXX and no other city or state.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX/XXXX is reporting incorrect information. I spoke with a representative on XX/XX/XXXX named XXXX ' and she stated that although they updated their information as paid, they DO NOT HAVE TO REPORT THIS TO THE BUREAU. XXXX has removed the account, but it is still showing on XXXX and Equifax. This account was sold to another lender, so it is technically showing TWICE. 

Account infom is XXXX XXXX/XXXX XXXX XXXX Account no. XXXX .... amount XXXX sowing late from XX/XX/XXXX through XX/XX/XXXX and this is INCORRECT. This is my sixth complaint
Complaint sub-issue: Information is not mine

My Credit Score for Equifax XX/XX/XXXX was XXXX. My Current Credit score is XXXX. My wife 's current credit score is XXXX. For XXXX my Credit Score is XXXX. My Score XX/XX/XXXX was XXXX. My wife 's current credit score is XXXX. We have EXACTLY the same items on our Credit reports, my report took a huge nose dive from XX/XX/XXXX to XX/XX/XXXX. The only difference between the two months is XXXX extra credit card, that 's neither delinquent nor is there a balance on it. I less than XXXX % credit card utilization, and I 've never missed a payment on anything. I ca n't get anyone to explain it to me either. This is costing me a lot of money. You should be able to just ask why scores are the way they are, rather than have this cloak and dagger! I need someone from both to explain what is going on, and why. 

FYI, I put down Information is not mine because that 's the only thing that even came close.
Complaint sub-issue: Other problem

I was in the process of taking the correct steps to improve my credit score from the mid 600 's to over 700. One thing they tell you to do to improve the score is to make sure you balance on all cards are less than 50 % of the credit limit. In XX/XX/2019 I took these steps to pay down a couple of my Citi cards. After payment my balance would be about 40 % of my credit limit. Right after I made these payments, Citi card sent me a letter lowering my credit limit. Once they lowered my limit I was right back to being over 90 % used of my credit balance. With this being done it is like swimming upstream and I would never get anywhere unless I paid the balance in full. 
This seems like it is very unfair to the consumer. I am never late and was trying to better my score, only to be made worse.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. For a XXXX account I have never signed up for I started randomly receiving a bill in the mail for a past due bill. Back in XXXX which was my last communication I got a incident number XXXX I have recently have a collection with AFNI for this particular account.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX -Balance : $ XXXX Opened : XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Right to dispute notice not received

I subscribed to the XXXX based credit monitoring system Credit Check Total. When I logged in today to check my credit report my score had dropped by XXXX points. I investigated further to see that a collection had been added to my credit report illegally. I am unaware of this account and I was not notified by mail or phone concerning this alleged debt. Because I was not sent a dunning letter I was not able to exercise my right to dispute this alleged debt. This company has completely violated my rights under the law. Additionally, the account is listed as closed. Why is this illegal account on my credit reports. I would like it removed illegally.
Complaint sub-issue: Debt is not mine

I received a debt settlement in the mail regarding a bank credit card i do not own. I did respond by calling the phone number on the debt paper i received but no person answered the phone but the voicemail did come on but it was full and could not receive and anymore calls and i got disconnected from the collector by their end. I feel uncomfortable paying a settlement i do not know about.
Complaint sub-issue: Debt is not mine

I have no knowledge of debt. Contacted collections and original creditor and XXXX parties have yet to provide accurate validation or liability of debt that 's in collection. Having called numerous times to resolve this matter they have been extremely rude and lack customer service to resolve this issue.
Complaint sub-issue: Problem accessing account

On XX/XX/22, I attempted to access my account via the mobile app to which I continuously received an error message. I then attempted to access my account via the mobile web and received the same error message. I then proceeded to call CITI directly to figure out if the site was having issues only to discover that my account was restricted and pending closure 30-90 days due to suspected fraud. No heads up, email, text, call or anything. CITI also blocked my debit card revoking access to MY money. The rep on the phone asked has this happened before, I said no this is the first time. I spoke to another rep who related that it was due to a check being deposited that same day was that was apparently returned that same day due to XXXX I have no control over that. That doesnt even sound right.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX 2 LATE PAYMENTS REPORT IS INNACCURATE UPDATE TO PAID AS AGREED LATE PAYMENTS ARE INNACCURATE
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX**** Balance Owed : {$6.00}
Complaint sub-issue: Problem getting your free annual credit report

Today, Friday XX/XX/XXXX, once again Equifax has refused to give me my free annual credit report. I report this every year. I've spent hours trying to resolve this since XXXX. Every time CFPB ignores my actual complaint. 

I want to know why I can not get my credit report online from Equifax. I want to know why this happens every year since XXXX. 

This is the error I received : XXXX XXXX XXXX I DO NOT want a PHYSICAL copy of my report from Equifax mailed to me. 

I want it available online like it is supposed to be.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing XXXX XXXX XXXX from my credit report. It is a medical bill and it has been violating my rights under HIPPA. They do not have my signed HIPPA authorization form stating that I gave them permission to report this to my credit report.