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

I sent a letter on XX/XX/XXXX, to remove XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 EQUIFAX XXXX XXXX XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again.,
Complaint sub-issue: Information belongs to someone else

There are two accounts on my credit report one is on my XXXX one is on my equifax I dont know what these are or where they are coming from I have not received anything back from the bureaus regarding this please help XXXX XXXX XXXX- Acct # XXXXAmt {$410.00} No Account Name - Acct # XXXXAmt {$570.00}
Complaint sub-issue: Was not notified of investigation status or results

Attached are letters asking for proof of investigation. This letter was sent certified and I have attached proof of delivery on XX/XX/2020. This credit bureau has failed to send any proof of investigation to date. They did change the status from open to close. Other credit bureau has deleted the items from my credit report. They have had more than 30 days to investigate and send proof of investigation or be in violation of the FCRA.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 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: Information belongs to someone else

The credit report agency is reporting inaccurate information on my credit report. They have the collection account contract caller Inc on my credit file This is not my account. This belongs to someone to someone else.
Complaint sub-issue: Their investigation did not fix an error on your report

I value your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my information to be stolen in their data breach. They have not contacted me to alert me about the breach, but I learned from the news and confirmed with their tool that my information was stolen - " we believe that your personal information may have been impacted by this incident ''. They sat on this information for 6 weeks, giving crooks plenty of time to sell or trade my stolen SSN, DOB, addresses, and other identifying information. An identity theft could ruin my credit for years to come.
Complaint sub-issue: Debt was result of identity theft

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. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 


XXXX XXXX XXXX
Complaint sub-issue: High-pressure sales tactics

XX/XX/2019 - I purchased a car from XXXX XXXX XXXX NC. 
Even though I did not want to take the car loan as their rates were high, I was forced by the dealer to take the car loan. The dealer refused to provide me with the purchase contract to enable my credit union to issue the check for the loan amount. 
I was misled by the dealer that we could directly pay the loan within 30 days without prepayment penalty or interest. 
The dealer issued the loan through PNC Bank. 

XX/XX/2019 - After receiving the loan document, I went to the PNC Bank to payoff the loan. Instead of the loan amount of {$23000.00}, I had to pay {$24000.00}. The remainder being interest or fees. 

I would have to wait for 3 weeks to get the title. 

I believe PNC Bank incentivizes car dealers to indulge in this sort of high-pressure sales tactics instead of acting in the best interest of consumers.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX 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
Complaint sub-issue: Other problem

I was issued a refund in early XXXX that cleared the merchants bank account. The refund was visible in my account for a few days as 'pending ' but then disappeared and the refund was never credited to my account. I have reached out to the support team numerous times and not received any real response or help in getting this issue resolved. I have screenshots of the 'pending ' transaction in my account, and a copy of the receipt from the merchant.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

i went to the car dealership applying for a car and they pulling my credit report over 20 times 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: Trouble using the card to spend money in a store or online

1. When I call the Customer Service number, there is no way to get to a human being.
2. There is an option about 5 minutes into the recording that says press 6 for customer service, but after it again, gives you your balance due and offers to take a payment the phone always disconnects.
3. Web site has consistently been down for over 45 days now.
I have proof that I would like to submit.
4. If you try to contact them online, there is only an option to apply for this card or a link to go online for customer service, but it takes you back to their site that claims that Here is the exact wording : " The Customer Center is currently offline for maintenance. Please tr again later. '' Please advise.
Complaint sub-issue: Personal information

An address listed on my Equifax report where I have never lived.
Complaint sub-issue: Debt was paid

On XXXX XXXX at XXXX XXXX was paid to Essex Mortgage whose located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The money was withdrawn on XXXX XXXX by Essex mortgage. we spoke to XXXX who is representative of Essex in XXXX Fl and she stated the money was deposited but it was withdrawn after being deposited which confused her. Even after submitting proof from XXXX XXXX XXXX Essex Mortgage still claims we owe that money, but can't explain why no one can find the {$8200.00} that was paid. Our mortgage is {$2100.00} on XX/XX/XXXX they took out XXXX which is an extra {$450.00} that was taken out i spoke with XXXX on XX/XX/2021 in regards as to why the extra was taken out she could not give me a reason, she asked did I want the money sent back to me or have it go towards my next mortgage I told her put it towards my next mortgage which means instead of {$2100.00} being taken out they would only have to take {$1600.00} since they already had XXXX extra I spoke to XXXX in customer service in regards to receiving a confirmation email on the transaction I have not received anything. They are taking out extra money putting our account in the negative and refusing to reimburse the money or find where the {$8200.00}.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove inaccurate items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any items or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., Please see the list of erroneous items that are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6700.00} ; XXXX XXXX  XXXX Balance : {$430.00} ; XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Name 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 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 15 U.S.C 1681 Section 602 A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX acct # 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: Debt was paid

My loan thru XXXX XXXX was closed and marked paid in full on my credit report two months latter a company call Jefferson purchased this loan and imidiantly put it on my credit report and a collection I filed a dispute and it was removed. Today two months latter it has been re added with a start date of today. I have never received notification of Jefferson on this and have never done business with them. I am trying to refi my home and this most likely will get that denied because of this. As a XXXX veteran it is tough enough to survive but this is has became a direct violation of the law and my rights
Complaint sub-issue: Other problem getting your report or credit score

A few weeks ago I was able to make disputes online with Equifax, the following day when I wanted to see updates I was unable to log in, it kept saying my information doesn't match what they have on file. I called Equifax several times, only to be transferred over and over again.Finally, I asked to speak to a supervisor and explained my situation, she informed me that they were never trained for the online dispute center and they do not know who I can contact to fix the issue. I asked them when there is technical issues who fixes it? she told me she does not know, she kept telling me I was on the wrong website, which I explained over and over that I am very familiar with this site and how it works and I read the web page I was using back to her. It was correct! She gave my my ID number to see if that would work, and it did not, it still says my info does not match. 
I am working so hard on fixing my credit, and have nothing but issues with Equifax. When I dispute items on my report things never get changed, unlike when I dispute with XXXX or XXXX, overall this agency determines my future and if they are so difficult and not user friendly how am I am able to change what they have on my credit report. I have asked for a copy and of my report and currently I am still waiting.
Complaint sub-issue: Didn't receive enough information to verify debt

I have previously owed XXXX XXXX as a result of switching to a different carrier, My account was sold to XXXX XXXX in the amount of {$240.00} and it was opened on XX/XX/XXXX and currently verified to them on the phone as of today XX/XX/XXXX. On the other hand, another agency JEFFERSON CAPITAL SYSTEM opened an account on XX/XX/XXXX stating I owed XXXX XXXX {$360.00} which is {$120.00} more than XXXX  XXXX which took first ownership of the collections account to begin with. I believe that I have no knowledge of JEFFERSON CAPITAL SYSTEM made an attempt to collect the same payment type but adding more than the previous collection agency. hopefully this is not a result of Identity theft. It does not make sense to pay two ( 2 ) collection agency under one account. In the event it was found to be fraudulent, I am pursuing legal action against JEFFERSON CAPITAL SYSTEM
Complaint sub-issue: Account status incorrect

Equifax has outdated and incorrect information on my credit report.
Complaint sub-issue: Reporting company used your report improperly

Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the XXXX and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Complaint sub-issue: Problem getting my free annual report

For many years I have been trying to gain access to my credit report, and to suspend my credit freeze so loan companies could gain access to my credit file. I have found, without exception across XXXX Equifax , that I can not release a freeze temporarily. There is no possible way to get a phone number where humans answer and can assist ; there is no web site that does n't send me into limbo, listing irrelevant answers to their canned questions, and then saying they can not help me without mailing in a request, which makes it impossible to get a loan. When I attempted to get a copy of my credit report via mail, they refuse to provide it listing insane requests for irrelevant information after weeks of waiting - all three did something similar in response to my request via mail for my free credit reports. This is ridiculous. 

Your system here does not allow me to complain about the wide-ranging nuisance these companies are being allowed to impose upon consumers that just want them to do what they are supposedly requred to do by law. Obviously these bureaus have deliberately developed systems and processes that avoid equitable compliance with the law and are being allowed to get away with it by acting in complicity, with all three not complying.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft Affidavit. Please delete these items as soon as possible.
Complaint sub-issue: Other problem

On XX/XX/2019 an overpayment was made to my XXXX XXXX  credit card. They will not give me my money back which is {$1900.00}. I have multiple voice recordings of their customer service telling me the check is in the mail. I am headed to court to start a suit against XXXX XXXX. Regulation Z states any overpayment money is to be returned to the credit card owner. Ivebeen asking for my own money scince XX/XX/XXXX. Theres No fraud, they know who I am. Ill even show them my liscence at a store if need be. Its utterly ridiculous to make me jump hoops. We will be in court. Thank you, XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

Jefferson capital system has been sending me collection notices in the amount of {$4200.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have contact with my signature.
Complaint sub-issue: Information belongs to someone else

I've been a victim of identity theft and i still noticed the fraudulent accounts appearing on my credit report.
Complaint sub-issue: Can't use card to make purchases

On XX/XX/XXXX an amount of XXXX XXXX  was paid to Discover Credit Card company.The total balance which I owe them.My Fiancee paid this amount to help me.I am ever grateful to my XXXX XXXXXXXX. I got the confirmation through email that the payment was received.But after receiving the amount, the card was closed without my consent.When I asked what the reason was for the closure they are citing to an older email sent on XX/XX/XXXX which never stated the reason for the closure. 
This has caused a lot of inconvenience to me in terms of payment of bills and financial planning for my expenses.I have been using their account for more than 5 years now. 

I want your good office to instruct Discover card to reinstate my account.This is not the first time Discover card has caused me inconvenience.They are acting under the witch hunt tactics of XXXX XXXX, my disgruntled ex-employer.
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/XXXX-XX/XX/XXXX, I 'd attempted to make payment arrangements with a representative of the company to begin to pay my debt. The first agreement was {$50.00} for two years until the year XX/XX/XXXX. I was unemployed and single mother. It was one month that I 'd asked the representative for lower payment ( {$25.00} ) just until I could get on back on my feet. The representative agree, but the company had still taken the original amount. Since it was an unauthorized payment amount taken, I 'd asked the representative for paper statements because I did n't want them no later to withdraw payments from my bank account. The representative refused and told me that they did n't have mailed paper statement it was only bank account withdrawal and if I 'd refused it would be a considered a breach of contract and my credit would be affect. I 'd still refused to approve him to continue to withdraw the payment, because they 'd breached contracted by withdrawing the more than I 'd authorized during this time. He 'd then stated that my account would still be considered valid and it would affect my credit. Since then, I 've tried to apply for credit and other loans to have better myself, I 've been disapproved every time and once I 've reached out to verify the account information as far as the balance, I 've not received any information. The account was originally owned by another creditor, in which they 'd bought the account, and I do n't agree with the amount and want to know how did they come with it. I 'd borrowed {$10000.00} from XXXX XXXX while I was a student at XXXX XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. The company is stating that I owe over {$24000.00}! I do n't think I 've accumulated that much interest. They are negatively reporting information to the three credit bureaus or missing information. Also, since this company ( XXXX XXXX XXXX ) had bought an original creditor ( XXXX XXXX ) 's account that was going through a federal investigation, I 'd received a settlement judgement that they did n't follow protocol with reporting information for servicemembers of Armed Forces. There 's also multiple accounts, but I 'm unsure which is accurate and why they 're not reporting any information and just keep reporting without sending me information to handle the matter.