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

I am a natural person, I am a living human being, I have rights under USC 1681. 

Equifax is govern by 15 USC 1681. And They violated my rights numerous of time. I demand the accounts listed below be removed because ; According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts ; XXXX XXXX XXXX / Account = # # # # # # # # XXXX XXXX XXXX XXXX Accunt = # # # # # # XXXX XXXXXXXX XXXX XXXX/ Account = # # # # # # XXXX XXXX XXXX XXXX Account = # # # # # XXXX XXXX XXXX XXXX XXXX / Account = # # # # # # # # # # # #  XXXX XXXX XXXX XXXX / Account = XXXX XXXX XXXX / Account = XXXX XXXXXXXX XXXX / Account = XXXX XXXX XXXX XXXXXXXX XXXX Account = XXXX XXXX XXXX XXXX XXXX XXXX I have recently discovered Equifax have been giving out fake scores. Their improper and misinformation has resulted in my higher interests rates, in turn causing high monthly bill payments..
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Debt is not yours

Constant calls from a company called Hunter Warfield out of XXXX Fl,, last call XX/XX/XXXX at XXXX ; XXXX. They keep saying they locked my XXXX account which is NOT true, I have a XXXX balance on my XXXX account & even XXXX customer service says there are no issues.. 
When I call this company at XXXX XXXX same number that keeps texting me they will not help without personnel info which I am not giving them because XXXX says there is no issue with my account!
Complaint sub-issue: Reporting company used your report improperly

on 2 separate occasions i sent Lexis Nexis a certified letter requesting a security freeze be placed on my data. I also called them twice because I never received written confirmation that my request was processed and completed. On both occasions that i did speak with one of their reps they assured me my request was processed and they would send me either a letter in the mail or an email confirming my request was in fact taken care  of. I never received either.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent letters directly to the companies reporting the inaccurate information on my credit profile on XX/XX/21
Complaint sub-issue: Their investigation did not fix an error on your report

Requested from XXXX accounts Resolutions exhibit C date XX/XX/2018 they could not show any evidence on this alleged account but claimed they bought it, no contract no evidence its my account they then reported CRA 's with out proper validation as I requested.I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all it's mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certification in testimony that the alleged account presented in Exhibit C are in fact compliant and not subterfuge?
Complaint sub-issue: Reporting company used your report improperly

Received Letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Home Improvement Account ) thru XXXX XXXX   issued cards stating that they were lowering Credit Limit to {$7200.00} from 10,000 Derogatory public record or collection filed Ratio of revolving balances to credit limits too high Proportion of loan balances to loan amounts is too high Too many inquiries in the last 12 months I obtained the same report as they did thru Equifax Credit Information Service I call Equifax & Credit Card company ( Credit Card Company would not commit on which reason listed above was for the decrease in line. They dumped it on the Equifax credit profile as what the reasoning for the Decrease.  Equifax has nothing to do with lower my credit card limit. They only report findings & it is up to the Bank issuer to do what they want with the report!!!! 

About my Credit Report : My Discharge Bankruptcy was on my Credit Report when I initially took out the Home Improvement loan. 

No other Derogatory or collections open then or NOW I had ( 3 ) Inquiries in ( 1 ) year & nothing recently Ratio of revolving balances to credit limits too high -- - NOT TRUE nothing has been opened since this Account opened, and all outstanding debts have been paid as agreed and the Home Improvement was PAID initially in XX/XX/XXXX with {$3000.00} towards open balance which PAID THE LOAN DOWN CONSIDERABLY. So I have paid loan down far better than minimum payments!!! 

I feel I am unfairly being treated under the Fair Credit Lending Practices!!!!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have used Skrill as a payment through XXXX XXXX XXXX, and I have not received my {$30.00} game card. It's been almost 24 hours and I have bought it from XX/XX/2018 around XXXX XXXX in central us time. I am angry because I have tried to contact Skrill and XXXX, but I received no email back and XXXX never replied back to my ticket. I hope you guys take this matter seriously because this is also theft. Thank you.
Complaint sub-issue: Problem during payment process

This is a formal request for an investigation of this account 's date pen, date of last activity, date last reported, and the date of last payment.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I filed chapter XXXX XX/XX/XXXX it was removed after seven years. In XX/XX/XXXX equifax put it back on my report under the same docket # as a chapter XXXX. The law is clear under the FCRA. The credit reporting agency has the responsibility to report 100 % accurate, complete, and verifiable information on my report. I sent them proof and they still refused to do so.
Complaint sub-issue: Received bad information about my loan

I am being reported 60 days late XXXX 2011 with Access Group while I was under my student loan deferment. This is erroneous and needs to be updated as CURRENT. Furthermore this company sold my loan to XXXX and put closed status as of XX/XX/XXXX. This should be deleted off my credit portfolio
Complaint sub-issue: Information belongs to someone else

Reached out to company in regards to Equifax in regards to fraudulent account on report. Supplied documentation and opened dispute backed in XX/XX/2022. 
Account came back " verified '' without proof & verification of debt that i requested. 
Equifax failed to remove accounts which is a violation of my consumer rights. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence
Complaint sub-issue: Account status incorrect

The lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to EQUIFAX Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking for help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED : XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX ) DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}
Complaint sub-issue: Didn't receive notice of right to dispute

I have to duplicate collections on my account that are incorrect they are the same amount and same companies I would like this duplicate collection taken off I have called the company they said once they report a account they can not take it off can you please help me remove these inaccurate information Here are the names XXXX XXXX XXXX, ORIGANAL COMPANIE. 
11 XXXX XXXX BALANCE OF {$710.00} I C SYSTEM, ORIGANAL COMPANIE. 11 XXXX BALANCE OF {$710.00} the remarks also state Affected by natural disaster this is completely incorrect
Complaint sub-issue: Account status incorrect

I have XXXX XXXX XXXX reporting late pays on equifax in the year XXXX and XXXX however i didnt have any lates since XXXX, please remove these incorrect reportings asap these are incorrect. I attached a copy of my equifax report to show this however i was never late or received any late notices, i remember an issue awhile ago where XXXX XXXX was not sending me information however that was resolved in house at XXXX and the late fees were removed i need complete verification and deletion i thought this issue beeeeeen resolved i have any documents u may need me to provide asap this is not good to have been on my credit this long and i was unaware of it
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax mortgage services did an inquiry on my credit report without my permission even though my report is LOCKED due to identity theft. 

Call Equifax mortgage services and they said they are part of Equifax credit reporting and can run a credit report on anyone they want any time they want.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 getting your report or credit score

I can not pull my Equifax credit report. 

My address is : XXXX XXXX XXXX XXXX SC XXXX My ssn number is : XXXX My date of birth is : XX/XX/1986 My information must be mismatched in the system. So please make sure that it is correct.
Complaint sub-issue: Fee problem

My complaint is regarding Overdraft fees. PNC Bank processes debits before credit in their nightly processing. On XX/XX/XXXX I gave my sons daycare a check -- they deposited it to their bank on XX/XX/XXXX ( non-pnc Bank ). My direct deposit hit that night. But based on how PNC allocates their funds and processes debit before credits the account was overdrawn. This is a way for PNC to make additional fees and I feel this is very unfair practice for Customers.
Complaint sub-issue: Personal information incorrect

XXXX   XXXX , I requested verification of debt and  two  late payments, it has now almost been 11 months and I have heard nothing other than them sending a credit report which does not prove anything. Per the FDCPA  807 [ 15 USC 1962e  ] this is a violation
Complaint sub-issue: Contacted you after you asked them to stop

Citibank/Citigroup has been contacting me for several months trying to reach my ex husband. We have been divorced for years. I have repeatedly asked them to stop, and to remove my number. I have told them he is likely in jail, but I have absolutely no contact with him. Today they called from a different number and I told them I was filing a complaint and contacting an attorney.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$24000.00}, {$6800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Complaint sub-issue: Information is missing that should be on the report

Dear CFPB, Equifax has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. Equifax open a dispute for my two credit cards that I just opened two months ago with XXXX XXXX XXXX and XXXX, now it has been deleted off my credit report!! deleted from Equifax credit file and XXXX  credit file, XXXX is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask XXXX XXXX to please disregard this dispute as it was an error done from Equifax ( I'm  trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.
Complaint sub-issue: Investigation took more than 30 days

XXXX, Equifax and XXXX have not processed my dispute in the last 50 days. They are now in violation of several different FCRA codes.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied for a CITI card. They stated that THEY WOULD NOT PERFORM A HARD CREDIT CHECK it would be soft, looked at my credit report today XX/XX/18 and it had already shown up that XXXX had performed a hard credit check. I want it removed from my credit report as I DID NOT AUTHORIZE THIS!
Complaint sub-issue: Investigation took more than 30 days

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. 

I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Complaint sub-issue: Didn't receive enough information to verify debt

Hunter Warfield Inc. at XXXX XXXX XXXX XXXX. has been sending me collection notices in the amount {$1900.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company I have never done any business with this company. This company does not have a contact signature XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Social security # XXXX Credit Bureau : Hunter Warfield Inc. 
Credit Bureau : XXXX XXXX XXXX. 
Date:XX/XX/XXXX Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative , I recently reviewed a copy of my credit report on XXXX and noticed 3inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX XXXX on XXXX at XXXX XXXX XXXX XXXX XXXX, MS XXXX at the amount of {$240.00} 2. XXXX XXXX and XXXX at XXXX XXXX XXXX. XXXX XXXX XXXX, VA, XXXX at the amount of {$390.00} 3. Hunter Warfield Inc. and XXXX
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per Equifax. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per Equifax. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX I add a hard inquiry on my credit report per Equifax. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received and in accordance to FCRA, they do not remove or change negative reporting unless it was reported in error. They further encouraged me to reach out to the credit bureaus to dispute the reporting. THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.

The following items are attached - Original letter sent to FedChoice advising of violation of law re : utilization - Response from XXXX - Original XXXX Certified Mail Receipt
Complaint sub-issue: Account status incorrect

My scores are very low due to many inaccurate information regards payments and accounts and old information in reports, even my name, I tried with them many times and still same problem. I need you to investigate all wrong information about me and remove them. Thanks.
Complaint sub-issue: Can't use card to make purchases

On XX/XX/2021 I tried to use my LLBean Mastercard at a local retailer. The card was declined. 

This card has a {$10000.00} limit, I use it infrequently and pay the balance in full monthly. 

I had made a payment of {$11.00} on XX/XX/2021. 

Unfortunately, the amount I paid, which was in a large green box in print larger than any other print on the bill was my XXXX XXXX XXXX, not the balance to be paid. The actual balance to be paid was in small black print at the bottom of the bill. The actual balance due was {$14.00}. 

The credit card company declined my card for an outstanding balance of {$3.00}. There was no other past due amount carried over previously. Just an amount of {$3.00} not paid. 

What i can not understand is why the credit card company did not allow a balance of {$3.00} to be carried over to the next month and charge interest on that amount. 
Why did they decline the card and cause me the embarrassment of declining the card and have to leave my purchase at the retailer. I was a long-standing customer with this credit card. I had a balance of {$3.00} not paid that month. I mistakenly took the large printed amount of the reward earned for my amount due. 

I feel I was treated very unfairly. Also, the amount due should be the largest print on a bill, not the rewards earned.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent. Provide proof of written consent or remove the item from the credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

ERC bought a collection account from XXXX and re-aged it to seem i defaulted in XXXX. that is completely false and illegal. This company is profiting from this.
Complaint sub-issue: Information belongs to someone else

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Company closed your account

Good Morning dear CFPB I am writing about my card with citibank credit card that i had since XXXX. 

Citibank closed my account for no reason because the reason they giving me its does not make sense. They are saying o used my card rapidly which i paid off later and other inaccurate reason they are giving me, I have used my card based on my credit card agreement never went over limit never abuse my card and i have great credit rating based on XXXX, XXXX and XXXX XXXX. Low credit usage and exceptional credit. 



Closer of this account both business and personal will have really huge negative effect because it will show closed by credit grantor and my other creditors will follow same route please assist me to review and reopen my accounts Citi Costco : XXXX XXXX XXXX XXXX Citi Thank : XXXX XXXX XXXX XXXX Thank you very much