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

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXXXXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Complaint sub-issue: Information belongs to someone else

Accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Fraudulently reported account as collection. They are a debt buyer and are reporting a credit account original account XXXX, they have reported to my report after XXXX   accound was already reported as fraudulent XX/XX/2019 when first noticed. I have contacted the company 3 times to try and resolve this as they did not provide me the mandatory 30 days to dispute the account they went directly to the reporting. 
XXXX XXXX  refused to provide any information about the account, and was provided a FTC report stating not my account and they persisted for more personal information and stated they do not have to provide any information.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, Happy XX/XX/XXXX ... ..on XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company. I mailed them again the company Equifax This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These are in my letters they have!
Complaint sub-issue: Problem getting my free annual report

I HAVE HAD IDENTITY THEFT. SOMEONE OR MULTIPLE USERS RAN MY CREDIT REPORTS AND SOLD IT CAUSE I HAD PROBLEMS WITH PEOPLE COMMITTING FRAUD THAT I REPORTED TO THE POLICE AND THE XXXX XXXX XXXX. MY HUSBAND ALSO HAD MISUSED MY INFORMATION TO GAIN ACCESS TO MY ACCOUNTS AND GOT INFORMATION TO SCAM ME OR TO HURT ME. HE ALSO USED INFORMATION TO GAIN ACCESS TO MY ASSESTS AND CHILDRENS SOCIAL SECURITY BENEFITS. HE HAD ACCESS AND HACKED INTO ALL MY INFORMATION IN CYBERSPACE AND TELEPHONE NUMBERS. ON HIS ACCOUNTS AND MINE AS WELL. I HAVE HAD TO GO THRU SO MANY EMAILS AND PHONE NUMBERS BASED ON THE FACT I COULD NO LONGER ACCESS THEM. HE WAS UP TO SOMETHING THAT SEEMED FISHY BUT I DONT HAVE IT YET SPECIFICALLY.
Complaint sub-issue: Information is missing that should be on the report

My visa card with a {$4400.00} limit is reporting twice on my equifax credit report.
Complaint sub-issue: Attempted to collect wrong amount

My Original debt is with XXXX from 2013. I do not deny that, in the amount of {$1.00}, XXXX. 7 years ago! Debt collectors buying bad debt has the debt looking like its a new debt. And The amount has gone from the original {$1200.00} to {$2.00}, XXXX. How can this happen? I have disputed this many times only to get a letter stating the debt is VERIFIED. Verified by who? The debt collect? This amount is not correct and neither is the date of the debt.
Complaint sub-issue: Reporting company used your report improperly

Regarding the Equifax security breach, I checked my information at XXXX which resulted in a positive response - my information may have been impacted. This company has mishandled my information, which puts me and  millions of other people at risk. Placing a freeze on my credit should be free and should not require a police report. Prevention over reaction is a much better approach to this type of sensitive information.
Complaint sub-issue: Other problem getting your report or credit score

Equifax is refusing to release my credit information to creditors I was told they have a back house freeze on my credit report I never authorize them to do that after sending them my a copy drivers license and Social Security card they still are not reporting my credit this has been going every since XX/XX/2022 the other two Credit Bureaus XXXX and XXXX have no problem with my file or reporting information. Equifax his actions are causing me financial harm and hardship please address this matter for me as soon as possible .Thank you.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, my Moneylion debt card was stolen. The person who stole my card use it without my authorization. I filed a dispute with Moneylion. Waited over a month, and was denied my provisional credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$230000.00}
Complaint sub-issue: Company closed your account

Discover ( one credit card ) and XXXX  ( two credit cards ) have told me out of the blue they decided to make a business decision to close my wifes and my credit cards. All of my three cards were closed in the month of XX/XX/2018. We tried calling to request what we did wrong to only get a representative either not understanding why it was closed or just a flat answer of " the credit card companies aren't making money off you so they decided to close your account '' and it was a business decision. We asked for help from all the credit cards and asked if we did something wrong please let us know so we can avoid this in the possible future, but they didn't have an answer for this as well. 

One of my XXXX credit card I had for more than 12 years. Most of the times we paid our bills on time in full. A few times we had maybe less than {$2.00} interest charges ( attached statement summaries ). My credit score was over 800 on XXXX  before our credit card companies closed our accounts. The last major transactions we did were some credit transfers because we were trying to avoid being charged too much interest as my wife is a small business owner. We used our credit card with the various credit products the credit card companies offered and now we are being penalized. These companies offer credit line product that will cause us to lose out on our American dream of owning a home. We were planning on buying a home this coming year so I worked hard to keep my credit score close to 800. Also, I was planning on using my credit line to start up an internet business too. I lost a total of {$60000.00} in credit line. This was all in one month.
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 XX/XX/2020 XXXX  XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax has fell to provide the accurate source of information for a public record that appears on my consumer report. Equifax relies on an inaccurate source for information ; the information source is different from the Bankruptcy itself. Equifax stated US Bankruptcy XXXX XXXX verified this public record. I have attached the letter from the bankruptcy court, which in fact does not furnish nor verify public records. Under 15 USC 1681g, it is required for the CRAs to give the accurate source of information. So, that I can properly dispute the information being reported with the source. I requested the information source previously with Equifax ; in which the information was never provided. On my Equifax consumer report under Public Record Information. It states public records are obtained through a third-party vendor, XXXX. 
I have provided the letter from XXXX XXXX, which shows no public record. I am aware that Equifax and XXXX obtain public records from the same vendor, XXXX. XXXX deleted this public record on XX/XX/2022, from my consumer report. The source for this public record is inaccurate. I did not give Equifax consent to furnish this public record on my consumer report. Equifax has invaded my right to privacy. Equifax has also fell their grave responsibilities under the FCRA.
Complaint sub-issue: Information belongs to someone else

Re : Equifax Dear Equifax, This is a declaration of your negligence to abide by THE FAIR CREDIT REPORTING ACT enacted by Congress. XXXX XXXX XXXX. closed accounts # XXXX, and XXXX. A request to deleted these accounts was submitted to the three major consumer reporting agencies during the next reporting. However, these accounts which were deemed as fraudulently open are still reporting on my credit file. In spite of that, you have also exceed the 30 day period to credit agencies to investigate disputes additional were given to resolve this matter. Your company as well as XXXX both received a notarized copy of an identity-theft report and identity affidavit. Further collections were terminate then deleted without coincidence with XXXX XXXX XXXX. Knowingly reporting information known to be fraudulent is unethical and shall lead to litigious action as wells as civil and punitive damages of these accounts are not deleted. Please be advise that this is also a prominent offense of defamation whereas misrepresenting my name with debtors I am not associate with. You have 15 days to deleted this accounts otherwise there shall be legal action taken. 

Thank you..
Complaint sub-issue: Their investigation did not fix an error on your report

I have notified this reporting agencies to remove difficult information in which has been a burden to me. They have refused to comply and have violated numerous US Codes. I will copy the supporting letter I have sent to certified mail to both reporting agencies.

Re : You have violated my consumer rights numerous times.

This is not a dispute. Youre in violation of 15 USC 1681b ( a ) ( 2 ) there was no permissible purpose or written instructions from myself ever to have this consumer reporting agency furnish any of my information. Not only were you all ever given any written instructions, you retrieved that information for this consumer reporting agency and other, infringing on my right to privacy 15 USC 1681 ( a ) ( 4 ). Previously I have notified you all to have this information be removed, this consumer reporting agency have ignored my requests and violated my consumer rights. Upon your last response you have said this information is accurate, however yet again you all have violated 15 USC 1681a- ( e ). Who was interviewed? Neighbors, friends, or associates, anyone that may have knowledge concerning this situation? In the event, such information shall not include specific factual information on a consumers credit report. I am enforcing my consumer right and I demand all information associated with this matter be removed in the next fifth teen days of dated letter. I will be submitting a CFPB complaint for failure to abide by multiple subchapter laws. In the event this matter is not handled in the timeframe requested, I will seek litigation. 

1. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once. 

2. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once. 

3. Violation of 15 U.S. Code 1681 - failure to respect consumer right to privacy Chapter XXXX Bankruptcy Case Number : XXXX Penalty of perjury. I'm seeking litigation, delete at once. 



The file attached to this document will be from the bankruptcy court, stating they do not report any information to any consumer reporting agency. 
XXXX XXXX
Complaint sub-issue: Keep getting calls about your loan

Dear CFPB. Thank you for being there. I was responsible for approximately {$80000.00} in Student Loans. In XXXX, I lost my job and my house. I worked with the student loan lender at that time ( XXXX XXXX XXXX XXXX XXXX ) to work out a solutions. As we worked towards a solution, the interest on the load increased with everything they did. Eventually, they turned the loan over to the Treasury Department to have the payment deducted from my Social Security Account. For nearly two years those payments were deducted from my Social Security Account. In XXXX of XXXX I was informed that the responsibility for the loan had been transferred to ECMC. With added interest, the amount due was then about {$240000.00} - four times the original loan amount. The deductions from my Social Security Account stopped for six months. After six months, ECMC turned the collection over to the Treasury Department. Again, the Treasury Department began deducting the payment amount from my Social Security Account. As of this writing, three payments have been so collected. However, ECMC has continued to call and write me. I see no reason for them to continue to do so. Here 's their most recent email : ============================================================ Date : XX/XX/XXXXECMC Account # :XXXX Dear XXXX XXXX My name is XXXX with Educational Credit Management Corporation ( ECMC ), the guarantor of your federal student loan. You may have received a letter from us recently regarding the default status of your loan ( s ). Student loan default can have negative consequences. The U.S. Department of Treasury may seize your tax refund on behalf of the U.S. Department of Education, you may be subject to a portion of your wages being garnished, negative remarks on your credit report ( s ), and while in default, you are not eligible for any federal financial aid. We are here to help you! Please call me today and we can find the right solution for you. We will work together to establish an affordable monthly payment based on your financial situation. Please call me today at XXXX. Due to the time sensitivity of this matter, please act now before time runs out. Sincerely, ECMC www.ecmc.org/XXXX  ============================================================ I am also attaching the most recent informational mail piece from the Treasury Department indicating the deduction of last month 's payment. Please let me know if you need any additional information. Thank you. Regards, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have disputed claim of debt owed to a company by name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Virginia Amount claimed to owe is XXXX. I have asked Equifax credit Reporting agency to thoroughly investigate this issue with this creditor. I have never had any financial obligations with the above mentioned company. The address that this creditor has on file, referencing to the billing statement is incorrect. I have never resided at an address listed on the bill. I have asked the creditor to supply me with a copy of the contract to myself as well as to Equifax credit report agency and they have not supplied any proof of verification to the credit report agency or to myself. Equifax has not investigated this issue within the allowable 30 day time period. This issue remains unverified. There is no documentation provided with a written contract to validate the alleged debt owed to XXXX XXXX XXXX.
Complaint sub-issue: Didn't receive terms that were advertised

Opened Citibank checking account with their XXXX USD bonus offer with deposit of {$5000.00} within 30 days, Citibank did not allow me to fund my account until XX/XX/2019 over the internet and I was not allowed to deposit funds until I received a PIN number from them through mail and I received it XX/XX/2019. It was virtually impossible for me to meet the terms they issued with the system that was in place, I am disgusted by this predatory method of having people open their banking accounts only to be scammed by their predatory practices involving forced manipulation of possible depositing methods.
Complaint sub-issue: Reporting company used your report improperly

XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXXXXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Complaint sub-issue: Billing problem

I made a payment on XX/XX/2023 of {$800.00} via their third party payment processing company XXXX. & they have yet to give me credit for my payment. Ive faxed to them several times my bank statements but have still failed to give me credit and now they are threatening repossession. Attached is my proof of payment.
Complaint sub-issue: Card was charged for something you did not purchase with the card

my discover card was charged many transaction with out my permission i contact the company and filed a despute after couple of weeks they denied my claim for no reason i have try few times to solve this problem but company never try to do any thing im still paying monthly payment and interest also am sending the list of the charges also with my complain to see it all happen when i was away for my college in the month of XXXX and XXXX of 2018 i even went to the address of the company charge my card but store is out of business i inform discover company also
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They keep calling me on a debt that is past its statute of limitations. I told them that they legally can not collect and he said that I was wrong. He threatened to call me everyday until the debt is paid. After he yelled at me for a minute, I hung up. This is not the first time that have tried to collect this debt from me. It has been 14 years and a lien was never filed. I know my rights.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I order face cream online costing {$5.00} and {$6.00}, XX/XX/2021. The companies XXXX XXXX XXXX Tx XXXX and XXXX XXXX XXXX XXXX TX billed my Discover card $ XXXX {$61.00} decided to bill me again without my consent XX/XX/XXXX. Discover was alerted it was fraud and put in a dispute. Unfortunately they charged again in XXXX and Discover let it go through. I disputed it again. 
I paid off Discover which they told me was the final amount of {$2000.00} but then got a bill for {$3800.00}. They also sent a credit for {$72.00} so I thought I didn't owe any money. I got another bill so I called and paid it over the phone on XX/XX/XXXX for {$38.00} which again was supposed to pay off the bill in full. They charged me another late fee of XXXX but I did not get the bill because it came to my second home and I had been assured that it had been paid in full. 
I went to my second home and looked at my bill and they had charged another late fee on top of that one... all of these late fees are for not paying late fees... which is based upon them rejecting the dispute ... and charging and then charging multiple late fees. I have again paid them and they have assured me that I have a 0 balance ... and this point I don't trust that it has been paid. I would like to lodge a formal complaint
Complaint sub-issue: Information belongs to someone else

I have no knowledge of these accounts XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Utility Past due amount {$2300.00} XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Past due amount {$1400.00}
Complaint sub-issue: Account status incorrect

I have an investigaton with CFPB involing XXXX XXXX XXXX on my equifax I have paid aall payments ontime except when I was hit by two natural Disasters Equifax says they need more time to investigate this I feel Equifax should change XXXX XXXX XXXX to Current never Late on my Equifax credit report