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

Today XXXX/XXXX/17 I was informed there was a major breach of my personal information being stored by Equifax. It was shared without my permission in a database that was not sufficiently secure. I was directed to log into a site setup by Equifax which prompted me for even more information then what is traditionally requested when verifying a person. They asked for 6 digits of my social security number vs. the standard 4 and my last name. I could n't believe I had to transmit this information again and trust that the connection was actually secure this time around. Regardless I went through the process and found that all of my data was in fact stolen. I feel violated that they lost all of my PII, and have heard horror stories of how difficult it is to reclaim your identity once it has been stolen. The risks that were taken are completely unacceptable at their level and something needs to be done to ensure this never happens again. Additionally they have known about this problem for months and just sat on it. With 143 million potential victims we should have been aware of this problem a lot sooner. I am very disappointed as this is supposed be one of the institutions we can trust this level of data with and clearly we have been betrayed.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was XXXX from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.
Complaint sub-issue: Account status incorrect

XXXX stated that they are not going to report any late deliquencies or repossession or collections or missing payments to XXXX, Equifax and XXXX because of my vehicle loan issues and disputes.
Also accommondate me on my XXXX XXXX under my ADA Disability Act Civil Rights.under the Department of Justice.
Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %.
The full payment was debited from my XXXX XXXX XXXX  Checking account.
I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX- {$440.00} and high interest rate of 17 % with XXXX.
Is XXXX in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender?
I am XXXX XXXX and Retired.
Notice : My XXXX  Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings.
On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan.
I am a Military Veteran, XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I DISPUTED ON XX/XX/2021 TO THE BUREAUS ABOUT ACCOUNTS THAT ARE NOT IN THE CHARGE OFF STATUS AND TO BE VERIFIED WITH ALL PROOF SENT TO ME OF THE VERIFIACTION PROCESS ALSO ONE ACCOUNT THAT I WAS NEVER LATE ON. IT IS DETAILED IN THE LETTER ENCLOSED. MY PROBLEM IS, 2 TIMES NOW THEY FAILED TO ABIDE BY THE LAW.. SO NOW THE MUST DELETE ACCOUNTS IN QUESTION SINCE THEY ARE IN VIOLATION OF THE STATUES LISTED BELOW. 
YOU DID NOT SUPPLY ALL OF THE INFORMATION PREVIUOSLY ASKED FOR ACCORDING TO F.C.R.A. 611 ( a ) ( 7 ) in a timely manner, 30 days as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these item from my credit report. I AM ENCLOSING THE 1ST DISPUTE LETTER WHICH ASKED FOR A COMPLETE DETAILED INFORMATION FROM SOURCES YOU USED TO VERIFY MY DISPUTE. YOU FAILED AND ARE NON- COMPLIANT SO YOU MUST NOW DELETE ALL INFORMATION IN THE FIRST AND SECOND LETTERS ATTACHED.
Complaint sub-issue: Information belongs to someone else

I have never authorized anyone to make enquiries on my behalf, nor have I done it myself. From XX/XX/XXXX, until XX/XX/XXXX, I sent letters with entire attachments of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorised inquiries should be immediately removed : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Account status incorrect

There is an installment loan that is being reported as an open account when it is a closed account. It is also reporting late payments even though there aren't any payments to be made. 
original Creditor- XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

Cellphone bill that was paid upon switching companies. They say I owe {$310.00} to XXXX. This debt is with a collection company that keeps updating to newer dates. I haven't had that service since 2014. I have no know knowledge of the collection company called I C System.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute on XX/XX/2020 with each credit bureau regarding inaccurate/fraudulent accounts. It has been more than 30 days and I have not received a response. I was under the impression that the credit bureaus had 30 days to complete an investigation and if they failed to do so the accounts had to be deleted. Well since it had been past 30 days, I sent each credit bureau a no response letter this was XX/XX/2020. I still have not heard anything from them, I have not received any results or any notification that an investigation had even started. I am becoming frustrated and thinking about filing litigation because the credit bureaus have been ignoring my disputes and that is not cool at all. I was a victim of the Equifax data breach so I don't know who got their hands on my information. Please delete the accounts immediately. 
XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXXDetails Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account
Complaint sub-issue: Debt is not mine

I received a letter from IC System a debt collector. I called the company, XXXX., spoke with XXXX in billing and she discovered they had left the A off on the end of my Medicare card, so she said she would rebill Medicare. A couple of months later I noticed that the debt still was not paid so I called again ( XXXX XXXX XXXX, spoke with XXXX, at that time she said she would rebill Medicare again. Then I received an EOB from Medicare stating that I would be billed XXXX. 
Then about a week and a half later I again received a bill from the collection agency at that time I tried to call XXXX XXXX unscccesfully, the line was always busy. I called some agencys, XXXX XXXX and XXXX XXXX. 
I am going to try to attach some info to help you to understand.
Complaint sub-issue: Didn't receive enough information to verify debt

I have made two attempts to have ATG Credit verify this debt which is a ( medical debt ) within a sixty day time frame. They have failed to do so with no compliance. This is a clear violation of Collection Practice. My first letter was sent to them on XX/XX/XXXX the second letter was sent on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received verification of this debt not to mention, this collection is not HIPPA Compliant.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I filed a complaint # XXXX as the credit bureau was not publishing my financial score to lenders. As already described, I have since suffered various adverse responses due to this failure to compute and to my financial scores. After investigating with XXXX XXXX XXXX Bank, where I do have a XXXX XXXXXXXX account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from XXXXXXXX XXXX XXXX certifying that they do properly report to the credit bureau all my financial payments.
Complaint sub-issue: Reporting company used your report improperly

My name is ( XXXX XXXX ) and I am a consumer/ natural ( woman ) submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Complaint sub-issue: Information belongs to someone else

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

We rented a car from XXXX and used our Visa card that was issued through Synovus Bank. XXXX put through a charge and Visa accepted the charge knowing that it was grossly improper. The fraudulent and excessive charges had the effect of freezing our bank account and causing us embarrassment. In order to contest the fraudulent charges, we spent hours on the phone dealing with XXXX and our bank. They caused us to not have access to cash in our account for ten ( 10 ) days.
Complaint sub-issue: Debt was result of identity theft

I filed a previous complaint against AR Resources , Inc. number XXXX, regarding their unfair, deceptive and misleading business practices. They blatantly disregarded my request for compensation in the documentation I provided due to their civil liability for violating my federally protected consumer rights under the Fair Debt Collection Practices Act. I also contacted AR Resources , Inc. by mail on XX/XX/2022 which they received XX/XX/2022 and they still have not responded. I'd also like to note that in my previous complaint number XXXX, AR Resources , Inc. stated they closed account XXXX in their office due to fraud, which they have both evidently and willfully committed against me. The documentation I provided is proof of that, so I'm giving them the chance to act in good faith and rectify their affairs for their unlawful business practices before I proceed with litigation.
Complaint sub-issue: Didn't receive enough information to verify debt

I have a I do not recognize XXXX XXXX XXXX XXXX # XXXX account. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I owe. I request that XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Problem with fees

I have had a store card from Best Buy for over 10 years. Late XX/XX/2016 I had taken advantage of their 18 months " no interest '' financing offer when I had bought a brand new house and purchased a washer/dryer, refrigerator and two televisions. Long story short, I've consistently paid on time and a couple of months noticed that it seemed my balance was not going down. So I looked into the statements for any transactions or hidden fees and I noticed something labeled " Enhanced Debt Protection ''. I've been getting charged this fee for quite a significant amount of time now and I not only called Best Buy but also called representatives that dealt with the program. I explained to them that I had never opted into any sort of program or agreed to pay a monthly fee. I requested that not only do they terminate this program, but also refund my money that they've been sneakily charging me for all this time. That was nearly two months ago. They stated I had opted out of the program and that I'd receive a letter containing their response to my refund request. I have yet to receive any such letter, so I called mid-month this month and they told me it must have been lost in the mail. They put in another refund request and informed me that it'd be yet another 30-day wait till I receive a response, literally just biding them more time and starting the vicious cycle over. I am outraged at this company and Best Buy for not being more helpful with this process and ripping their loyal account holders off of hundreds if not thousands of dollars. Please, any assistance would be greatly appreciated. Thanks in advance!
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # 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: Old information reappears or never goes away

Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were first reinserted. XXXX XXXX. {$61000.00} XXXX XXXX. {$5400.00} XXXX XXXX. {$6800.00} XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be removed completely from my credit report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I have a a unverified account from PLAZA SERVIC. I had previously disputed this account. I have never done business with PLAZA SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Account information incorrect

I am attaching or filing a LETTER OF INTENT TO SUE EQUIFAX FOR VIOLATING MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. KINDLY SEE FILE ATTACHED
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), 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: Information belongs to someone else

This is my second written request to verified accounts that appear on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts.This time an FTC complaint could be filed and is attached to this complaint. Thank you
Complaint sub-issue: Debt was paid

Debt was paid through original creditor ( Hospital ) and still showing as a unpaid debt on my credit report
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CITIBANK N A add a hard inquiry on my credit report. 
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: Other problem getting your report or credit score

****This will probably be your MOST MAJOR case out of all your investigations and this should be elevated to the highest levels at CFPB.

The synopsis is this : The credit reporting agencies are committing a fraud on the public AND must be investigated by CFPB and this issue must be disclosed to Congress. The credit reporting agencies are selling credit products to the public and providing FALSE credit scores paid for by consumers, yet, at the same time, these same credit reporting agencies are providing a completely different product to lending institutions which list completely different credit scores. So, bottom line, the credit reporting agencies are providing two sets of credit scores - one for the public and one for business. There should ONLY BE ONE uniform credit score. The question becomes, which credit scores are real and which are fake? Can the credit bureaus sell fake information and pass it off as real?
Complaint sub-issue: Their investigation did not fix an error on your report

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX