Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record

I would like this tax lien that was filed XXXX, Case # XXXX to be removed from my credit report. This information has not been verified and it has been removed from the other XXXX bureaus ( XXXX XXXX and XXXX ). In my defense, Equifax Information Services LLC has agreed to settle a class-action lawsuit that accused the company of violating the Fair Credit Reporting Act ( FCRA ) by providing consumer credit reports that did not properly identify the source of public record information. Equifax never actually retrieves public records from courthouses or government offices, but instead collects the information from private businesses. 
However, it has agreed to settle the FCRA class action lawsuit to avoid the expense and uncertainty of continued litigation. I would like the tax lien removed from my Equifax credit report.
Complaint sub-issue: Received bad information about your loan

My loan was transferred to XXXX XXXX based on that I applied to the XXXX. I was not told that my graduated plan didn't fit the criteria, from XXXX XXXX. However, they both think it was the others neglect not to tell me. However, both of those transfers went through the Dept. of Ed.
Complaint sub-issue: Problem with fees

I have been a cardholder of Elan 's XXXX branded card for several years. I was hours late ( as in close to midnight on the due date, meaning the payment would credit the next day ) making my monthly payment. I paid over the minimum and immediately messaged customer service, apologized for my oversight, and requested to have the fee reversed. 

I received a note back from customer service that they had reviewed my account, declined the fee reversal, and they recommended I enroll in autopay to avoid this happening again. 

It is incredibly demeaning and condescending to copy-and-paste a paragraph about autopay to a customer. I had never been late making a payment in years with the card. I messaged back and said " If you do not remove this fee, I will close my account. '' Without my consent, my account was closed! While reviewing the details, I noticed that Elan had raised my interest rate without informing me, maintained the late fee, and by closing my account, prevented me from accruing or redeeming XXXX rewards points ( Elan requires their redemption in XXXX increments ).
Complaint sub-issue: Reporting company used your report improperly

I was involved in the massive data breach from XXXXEquifax, were I just received a settlement pay, also, I received a letter from the FBI that my personal and financial information was found with someone who did not have my permission to use my social security information
Complaint sub-issue: Privacy issues

Home Dept. is still requiring a Social security # for application of their credit card even though they have a court order not to do so
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key bank XXXX I dont recognize these inquiries in to my best of knowledge they are not mine I believe I might have been effected by a breach or information got into the wrong hands
Complaint sub-issue: Credit inquiries on your report that you don't recognize

KLARNA/XXXX put inquiry on my report without my authorization. Even after contacted the company the inquiry still on my report. This is my second complaint about this unlawful action.
Complaint sub-issue: Personal information incorrect

Identity problem : I was not formerly known nor have I ever been known as XXXX XXXX as listed under my identity Part 7. Personal Information with Equifax Personal Solutions : Credit Reports
Complaint sub-issue: Threatened to sue you for very old debt

I had a credit card with XXXX XXXX, XXXX XXXX, with a credit limit of {$2000.00} and a charged off amount of approximately {$1000.00} in XXXX when I was victim to a severe car accident which gives no one the right to take advantage of false collection claims. XXXX XXXX doing business as XXXX XXXX was investigated by the FTC for deceptive and fraudulent credit card practices starting in XXXX, I reported this numerous times, yet many attempts by predentary collection agencies were made eventhough this business was shut down by the government and resolved by the DATCP, years ago. The account went into collections in XXXX and there was a judgement in XX/XX/XXXX but I had moved and not received notification of collection/court activities until XX/XX/XXXX. The credit card was shut down by the government plus time barred from XXXX or XXXX, so I am not sure what laws of statute of limitations of debt collection activities apply in this case? This debt is 13 years old and this summary of complaint is notification of the aforementioned disputed debt. I want Kohn Law offices to stop threatening me with phone calls, absurd settlement amounts, liens, and stop sending me letters regarding collection attempts. Kohn did not provide me with the details of this amount of judgement and I believe this is an illegal collection. They called at my mothers house where family members gave false information. This credit card overcharged customers, had illegal interests rates and was shut down by the government. I would like to know how companies like XXXX and Kohn can attempt to collect on an illegal credit card shut down by the FTC and time barred from 13 years ago?
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX  report and found the inquiry below which was not authorized by me : Clarity Services on behalf of XXXX XXXX XXXX Date : XX/XX/2018
Complaint sub-issue: Their investigation did not fix an error on your report

For the past XXXX years, I have been investigating my credit report and this process has caused severe depression upon me as XXXX, Equifax, and XXXX XXXX reporting continue not to respond toall of my disputes, report inaccurate information on my report, and fails to verify the inaccuracies. Information between the XXXX reporting agencies varies tremendously. XXXX consistently have ignored all of my disputes. I have had my identity comprised several times from my previous employers and even by Equifax. My monitoring of my credit file has unverifiable, invalidated, inaccurate, and questionable items that these agencies were reporting as 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rightsprotected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

Under 15 USC 1681 section 602 A, I have the right to privacy. Under 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information isinaccurate.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX appear on my credit report and this is a fraudulent account. I have sent all legally required paperwork i.e. police report which identify the items, notarized statement of truth, proof of identity to both the collection agency and credit reporting agency mentioned and neither will comply with the law and remove the fraudulent item from my report. I am a litigious customer and this is my last attempt before, I exercise my rights and sue the company for each violation of the fcra and fdpa. Please note this has been disputed with the credit reporting agency as well as the creditor XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Complaint sub-issue: Account status

I owed XXXX XXXX {$230.00} front a charge off account on a secured card. I called and paid them. The amount of {$230.00} which includes processing fee taken out of my account on XXXX XXXX 2016. To dated municipal credit card have nut updated my account and when I disputed up with equifax they came back with verification saying that they are reporting correct. In accordance with the FCRA I am requesting that the XXXX be removed on all of my credit report in accordance with the new york state law 5 year deletion law.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Consumer XXXX Co has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States that a Consumer Reporting Agency can not furnish a account without my written instructions
Complaint sub-issue: Frequent or repeated calls

{$1700.00} XX/XX/2021 settled to pay monthly never got sent anything
Complaint sub-issue: Account information incorrect

You continue and are persistent in maintaining erroneous reports and accounts. I have contacted original creditors that I settled accounts with, no contract exists and when an account or debt is settled it can not be sold or reported again. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$98.00} XXXX XXXX {$150.00} XXXX XXXX {$74.00} XXXX XXXX {$660.00}
Complaint sub-issue: Trouble with how payments are handled

Hello, I 've been trying to pay off my student loans. Every month I pay about XXXX extra on my highest interest loan. I always check the " do not advance due date '' check box. For months, this has allowed me to make the payment for the month and apply the rest of the payment to principle. Yet, when I made my payment this month, I logged in and found out that I still was expected to pay my payment for the month again. I called to talk to a representative and she said that " They have no explanation why the payment system is not working correctly ''. She also said " it 's being " wonky '' this month '' and could give no further explanation. 
She then said I should pay my payment again this month ( while having no explanation as to how this would affect my interest accrued ) or that I could have my payment deferred into the next month because the system was being wonky. 

I do n't feel that this is an adequate explanation and I have no reassurance that my payments are being applied correctly. If I had n't logged in early this month I would have had to pay additional interest and penalties. 

It 's not my job to debug their IT systems and I would like an explanation and some reassurance that my account is n't being overcharged. I also do n't feel I should have to constantly log in to make sure that their system is n't being " wonky '' and making me make additional payments that I do n't owe. She also tried to blame it on me for checking the " due not advance due date '' checkbox, but that still means I 'm making the payment for the month. It just does n't apply it 3-4 months out when I pay extra towards the loan. 


Thanks.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have received a collection from medical debt that disputed and deleted from my credit file. Now through another company this debt is trying to be resold or re-aged which is an illegal practice. The original holder was XXXX XXXX XXXX. The amounts and dates correctly corresponds with the same accounts that were deleted. Now this is a clear violation of the Fair credit reporting act. They either stop their illegal practice or face off in court for {$1000.00} for each account in small claims court. They didn't have copies of my HIPAA forms nor my signature. Which is another violation.
Complaint sub-issue: Public record

I have supplied Equifax with evidence, several times, that both of my tax liens have been paid. They have still not updated my credit report. Equifax is the only reporting service showing these liens in an unpaid status.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed my credit report and found that several companies did hard pulls on my credit report. XXXX recently did a hard pull of my credit. I spoke to a sales a agent in my front yard about signing back up for their services. The sales person said that they would not run my credit. I signed up to speak to someone. I never gave my SSI number ever. my wife was standing next to me when the sales person said 5 or 6 times they would not run my credit. They asked for my driver license number so they could run a premise history. When I check my credit I noticed XXXX conducted a hard inquiry. I contacted XXXX along with the sales person and they did not have any answers for me. This is the 3rd time XXXX has run my credit over the last 2 years without permission. I submitted a dispute with Equifax and they spent a whole 24 hours conducting an investigation. 

I also submitted a dispute on XXXX XXXX They did a hard inquiry in XX/XX/2016. I have made several attempts to file a dispute with Equifax and they continue to say the company had permission. I have never heard of the mortgage company and I was not looking for a montage.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, after sending out multiple letters to the credit reporting agencies XXXX, Equifax and XXXX have continued to violate my rights as a consumer and have failed to provide me with any valid documentation regarding negative inaccurate reporting and accounts they have been placing on my consumer report. 

A proper investigation has not been done after many attempts to remedy the situation and inaccurate reporting such as the date reported, last active dates, balance amounts and payment history continues to be reflected on my credit reports due to the CRA 's lack of professionalism and honesty in reporting. I have never been given any proof or valid documentation by the CRA 's to show that an actual investigation on my credit reports have been made, after consistently asking them trough writing for a proof of their claims. 

NOTHING WAS SENT TO ME! 

In accordance with the Fair Credit Reporting act acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights as a consumer. 15 USC 1681 section 602 A states that I have the right to privacy. Also 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. My rights are being violated and this needs to stop immediately!
Complaint sub-issue: Debt is not yours

I was contacted about owing money through a company called IC Systems Inc years ago and it was never resolved. I do not have any affiliation with this company or did not ever open an account t with this company. Someone stole my information and opened an account under my name. Identify Theft and Fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Nelnet states my current balance is {$45000.00}
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I tried to apply for a credit limit increase on XXXX for my shell credit card. My limit was XXXX dollars. After requesting a limit increase of XXXX so my limit would be XXXX it instead changed my total credit limit to XXXX. This system issue will negatively impact my credit score, which I am trying to keep strong so I can buy a house. Please provide assistance with this as that is an unacceptable programming error in a financial application.
Complaint sub-issue: Was not notified of investigation status or results

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/XXXX, Premier Holdings contacted me about a very old debt that was charged off over 8 years ago. The lady named XXXX XXXX that works for Premier Holdings told me that I could settle a {$3400.00} debt that originated with XXXX XXXX in XXXX could be settled for {$1000.00}. This is coming at a time where I am already paying over {$2000.00} per month for two judgements so I was scared. She said they could prosecute me for Theft of Services. I ended up giving them my bank account information. They took the money out of my account before I ever signed the docusign that they sent to my email giving them permission. I still havent signed it. According to the Fair Debt Collection Practices Act, they were wrong. I just want my money back. Premier Holdings phone number is XXXX. XXXX is the manager and XXXX XXXX is the one I spoke with. Any help would be greatly appreciated.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1500.00} ; ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; DP OF EDUC XXXX Balance : {$6300.00}