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

I've reached out to this company several times via phone mail and fax advising them they are breaking the law by reporting my private personal information to the public without my consent or knowledge. According to 15 U.S. Code 1681b they have no right to report my information without permissable purpose. I never gave any written consent to report this information.
Complaint sub-issue: Debt is not yours

I just got a copy of my credit report and noticed this bill from XXXX XXXX for {$1200.00}. Dated for XX/XX/XXXX but It wasn't assigned to my credit until XX/XX/XXXX. I had already moved to XXXX. XXXX paid my bill in XXXX and it had to be paid in full. How could I owe {$1200.00} in XXXX? XX/XX/XXXX I came to XXXX to find a job and residence before I moved here the end of XXXX. I don't have the receipts from The Department of Human Services, but I don't owe XXXX XXXX XXXX No more than {$100.00} for final bill.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I paid for 2 orders ( XXXX for {$150.00}, XXXX for {$190.00} ) of custom printed XXXX XXXX XXXX  from XXXX with my Citibank card, which I have been using for 20+ years. The shirts that arrived were obviously counterfeit goods : the dimension were different than the dimensions on XXXX website, the fabric was scratchy and see through, the tag/logo design was inconsistent, and the stitching was loopy and loose. I contacted XXXX, but ( of course ) they would not give me a refund. 

I sent all my documentation to Citibank Disputes as well as a letter from a Case Manager at XXXX ( an international counterfeit goods identification agency ) stating the shirts were obvious counterfeits. 

In XXXX, Citicards refunded my {$150.00} order " as a courtesy '' and said they would continue to dispute the {$190.00} purchase. After months of emails and phone calls to Citicards, they sent me a message on XX/XX/XXXX stating, " We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. '' It's Citibank 's legal obligation to protect me and my card from criminals who misrepresent themselves and the descriptions of their goods online.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied for financing with only TWO finance companies. XXXX XXXX as well as XXXX XXXX. When applying i made very clear I ONLY AUTHORIZE THE MENTIONED FINANCE COMPANIES TO RUN MY REPORT. When lookin back there are multiple reported inquiries. I contacted credit bureau and was advised to call dealerships. I called XXXX and was advised they only ran through their private financing ; XXXX XXXX. I also contacted XXXX XXXX who also advised they followed instruction and only ran through XXXX. So i contacted bureau back to advise response and confirm fraudulent inquiries during that time and they state despite me confirming fraud i do not have a right to dispute because i authorized the two mentioned companies to run which is inaccurate and against the Fair Reporting Act as I NEVER AUTHORIZED ANY OTHER INQUIRIES!!
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 an confidentiality XXXX XXXX XXXX IS INACCURATE THEY ARE POSTING A PAST DUE BALANCE THAT IS INACCURATE.US DEPT OF XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than XXXX years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Complaint sub-issue: Investigation took more than 30 days

I have called Lexis Nexis and XXXX several times. Neither company respected the consumer laws when it comes to my privacy, reporting to me with having full disclosure now according to the FCRA under 15 USC 1681 ( a ) ( 4 ) infringed upon the right to consumer privacy. I never gave Lexis Nexis to report or house any information on me XXXX is violating my consumer rights by proper not investigating my consumer report correctly. stated in 15 USC 1681a-e The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
every consumer reporting agency shall upon request and subject to 1681 h ( a ) 1 of this title clearly and accurately disclose to the consumer. Both companies in several violations
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX, Equifax sent me a letter indicating that a creditor had reported a new address for me. This letter was received on or around XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I called the phone number on the letter ( XXXX and spoke with XXXX . He confirmed the address on the file was the one mentioned in the letter. ( This was an address that I lived at over 10 years ago. ) I explained that I wanted to know who reported that. He couldn't help with that request. I explained that I was going overseas on XXXX and wanted to try to clear up any possible ID fraud or errors before I left in an effort to mitigate any potential damage to my credit report in my absence. I asked to speak with his manager. I was transferred to XXXX. She couldn't help any further. She told me the only way to correct it was to FAX a copy of my drivers license and lease to XXXX. 

On XX/XX/XXXX at XXXX, I called XXXX ( XXXX XXXX Customer Service ). Requested a call back from automated service. At XXXX, received call from XXXX . I explained the situation and he said he couldn't help, as he was only tasked with helping with billing or website access issues. Told me to call Global Customer Care Department at XXXX. 

On XX/XX/XXXX at XXXX, called XXXX. Requested a call back from automated service. At XXXX, received call from XXXX . I explained the situation and he said he also couldn't do any more than XXXX or XXXX. 

On XX/XX/XXXX at XXXX, called XXXX ( Equifax customer service number found online ). At XXXX, XXXX answered. I explained the situation and she said she couldn't do any more than XXXX or XXXX. 

I won't have access to a fax machine until tomorrow ( XX/XX/XXXX ), but I will be faxing my lease and drivers license to Equifax first thing tomorrow morning.
Complaint sub-issue: Information belongs to someone else

To whom it may concern looking at my credit report I noticed some errors in the reports by XXXX, XXXX, and Equifax. 

1. Personal information on my report that is not minds ( Names and address ) .I live in North Carolina   Presently for the last 8 years. Havent live in XXXX XXXX Alabama or XXXX XXXX Arizona. 

2.Student Loans from XXXX for XXXX dollars starting on XX/XX/16 and another one from XXXX for XXXX starting on XX/XX/16. 

3.Old information and accounts over seven years keep appearing up.
Complaint sub-issue: Trouble with how payments are being handled

To Whom it May Concern : Due to the CARES Act, I believe that I should not have had to pay my student loan bill this month, managed by FedLoan Servicing. 

I already paid the {$340.00} bill on XX/XX/2020 due to fear of possible repercussions, however I believe that the actual amount due should have been {$0.00}. I tried to reach out to FedLoan, however it is impossible to get through on the phone lines, and when I try to submit an email message through their website, I repeatedly get an error message. 

Per my understanding of the CARES Act, I should have SIX XXXX-dollar monthly payments due from XX/XX/2020 to XX/XX/2020. If so, I would please like a refund of my XXXX bill, and for someone to please ensure that I don't get billed for the next 5 months. Just as a side note - I am a healthcare worker on the frontlines in the XXXX, XXXX - to say this is a stressful time is an understatement. 

Finally, I'd like to say that in my few years with FedLoans, I've encountered absolutely abysmal customer service. They even messed up my initial consolidation which is going to cost several extra thousand dollars on my {$320000.00} principle. However, FedLoans said they would NOT correct it, and they themselves do not have any repercussions for this mistake. I find it absolutely heartbreaking that our government sees this agency as one that is fit to help our student borrowers. 

Sincerest thanks for your help, -XXXX  XXXX
Complaint sub-issue: Investigation took more than 30 days

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not apply for anything in XXXX and XXXX!! Must be XXXX!! I contacted the below creditors and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called ( permissible purposes ) that must be met before anyone can inquire a credit file. 

If you have no proof immediately of any or one, I would like it removed immediately.

Please have these fraudulent unapproved inquiries below removed from my Equifax credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
EQUIFAX MORTGAGE SER XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX My correct name is XXXX XXXX XXXX and XXXX is XXXXXXXX XXXX XXXX  Please delete ALL fraudulent names from my report My current address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove all incorrect fraudulent or older XXXX XXXX XXXX addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
Please add New Employer : XXXX XXXX XXXX. Do not delete XXXX XXXX XXXX  Thank you for your time and help in this matter.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX, attempted to fill out a rental application as a co-pay for my granddaughter with XXXX XXXX XXXX, which, in turn, uses AppFolio, Inc for a Credit background check. My issue is with AppFolio 's data collection software : First, requires a full page of my Employer data -- I am XXXX and retired. I cheated that page by filling in with my XXXX XXXX XXXX. Then they asked for my SSN, I realize they can do this, but the company is not even affiliated with the XXXX, though they are listed on XXXX. The BIG Issue : In order to show income/assets, they ask me to provide Username an Password -- In this case, XXXX XXXX XXXX This would give them a significant amount of control over my Investment account with over XXXX XXXX  dollars in assets! IS This LEGAL? 

Obviously, I canceled the application. I tried to contact AppFolio Customer Relations twice, XXXX XXXX and XXXX, and only received a pro-forma program response " contact your rental agent to find a work-around ''. -- I had specifically asked for a phone call, but they would not comply. I realize this company does a great job for their rental agency customers, but rental payment customer? 

My background : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know " a little bit '' about credit scoring : - ). 

Thanks, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My Equifax credit report spelled my name incorrectly and had the wrong year for my date of birth. 

These errors were already present several years ago, but I did not become aware of them until my application for a security clearance was rejected last fall. My XXXX and XXXX  credit reports did not have these errors. 

On XX/XX/XXXX, I mailed a Research Request to Equifax with a copy of my driver 's license to authenticate the necessary corrections to my name and date of birth. 

On XX/XX/XXXX I called Equifax, having received no acknowledgment of my request. I was told that my driver 's license was on file but that no action was taken because they required a copy of my Social Security card. 

On XX/XX/XXXX I mailed an updated Research Request to Equifax with copies of my driver 's license and SS card. 

On XX/XX/XXXX ( today ), I received an email inviting me to view Equifax 's " results of your dispute ''. The email was addressed to me using my incorrect name. The authentication pages at Equifax asked four questions that were unanswerable because they referred to loans and credit accounts that I never had. No telephone number was provided, and there was no mention that Equifax would send written confirmation that the errors had been corrected. 

Thus, some of my most fundamental personal information at Equifax -- my name and date of birth -- was erroneously and inexplicably acquired by Equifax. Equifax has been unresponsive and irresponsible in handling my requests for correction. Because the erroneous information is also being used to authenticate my identity, I have no way even to communicate with Equifax directly to settle this matter.
Complaint sub-issue: Information belongs to someone else

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( which is reported a lot of times ! ) and Chapter XXXX Bankruptcy Discharged XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

I was introduced to the idea of borrowing money for large purchases starting at the age of XXXX for a college tuition. Several years later, I took out a car loan, which was required to provide transportation to and from school and work. Following graduation, I opened a credit to begin planning an engagement ring purchase to propose to my current wife - the love of my life. 

In every instance mentioned above, borrowing money was necessitated by the amount of money available to me in order for me to exercise my constitutional rights to life, liberty, and pursuit of am happiness. 

While the standard American Dream of going to college, getting a job, getting married, buying a house, and having kids was deeply engrained in my life growing up, financial education was not. As a result, with only a piggy bank concept of saving, and an extremely basic idea of how interest worked, I was forced to opt in to predatory binding contracts in order to exercise my constitutional rights. 

Like many others before me, instead of helping to exercise multiple rights to life, liberty, and pursuit of happiness, the companies involved with the money I borrowed instead stripped these UNALIENABLE rights from me. Instead of focusing on the things that mattered, I was instead always focusing on money, and how I would make ends meet.

One thing led to another, and before I knew it, there was no recovering from the debt I found myself in. I began making bad financial decisions because the good ones didnt seem to make any more of a difference to being financially free and independent. 

I am now separated from my wife, friends, and family, on the brink of homelessness, with {$15.00} in my bank account, and {$22000.00} worth of debt. I am tired, I am scared, I am lonely, and I am depressed. 

I now realize that I was never free with the education unrealistic dreams made available to me. I now realize that my tax money has never been responsibly used to address these issues in our society. I now realize that the land of the free means the land owned by the rich, and that the home of the brave means the poor people that live there. 

I would love more than anything to be proven wrong and to be given a fair chance at actually obtaining life, liberty, and happiness, but I no longer believe it will happen. The constitution is just an old piece of paper to me now ; the purpose and meaning has faded more than words ...
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/21 at XXXX calls received from UNIFIN XXXX XXXX after repeated requests to stop calling. 
Would not state reason for call or who was calling.
Complaint sub-issue: Public record information inaccurate

I XXXX XXXX THE ORIGINAL CREDITOR NATURAL CONSUMER, FCRA RIGHTS HAVE BEEN VIOLATED BY XXXX XXXX AND EQUIFAX. THEY ARE REPORTING A FRADULENT ACCOUNT BY ( ONLINE INFORMATION SERVICES ) ON MY CREDIT REPORT. 15 USC 1681B STATES THAT THE CREDIT BUREAUS NEEDS MY CONSENT TO REPORT ANYTHING ON MY CREDIT REPORT. I XXXX XXXX NEVER GAVE THEM ANY CONSENT TO REPORT THIS FRADULENT ACCOUNT ON MY CREDIT FILE, I NEVER HAD ANY DEALINGS OR BUSINESS WITH THIS DEBT COLLECTOR. THIS INFORMATION IS FALSE MISLEADING UNFAIR PRACTICES.
Complaint sub-issue: Information belongs to someone else

It appears that my 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax XXXX XXXX XXXX XXXX are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Complaint sub-issue: Other problem getting your report or credit score

Problem with EQUIFAX credit reporting service. 

I tried to open a savings account with XXXX services. They rejected me with the explanation that they were : Unable to verify information on consumer report I accessed the free credit reports website, and XXXX and XXXX gave me a fine report. Equifax said they can not provide this information online. They " say '' they can if I provide hardcopies of data that I don't want to send through the mail. I'm not too sure about that after doing an online search and seeing entirely too many similar anecdotes. 

I don't want or need credit ; I was trying to open a savings account. But Equifax 's action DID hurt me. Can you make them stop?