Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/2022 at XXXX a debt collection company emailed my mother regarding a very old credit card account. My mother is not and never has been affiliated in any way with this account. The email disclosed the bank name as XXXX  XXXX XXXX XXXX XXXX account ) and a debt amount of {$2300.00}, for which the collection agency was seeking recovery. Additionally the email named a XXXX XXXX XXXX as the current creditor - even though I have no relationship to or knowledge of XXXX XXXX XXXX. Again, I want to restate that my mother has never been authorized for communication regarding this very old credit card account ( in fact the email address she uses wasnt even in existence when this account was originally opened ). 

Further more, the account in question is no longer collectible as the statute of limitations for the agreement governing this account has elapsed. I no longer owe the balance state ( which I am unable to verify ) ; it is no longer collectible and ceased to be collectible SEVERAL years ago. 

None of this information was provided to me - rather it was sent to my mothers email address ( again, which I have never used or authorized for any communication ). I am not currently a minor, nor was I at the time the account in question was opened.
Complaint sub-issue: Other problem getting your report or credit score

Recently It was finally discovered there were two credit files that needed to be merged with Equifax. I recently filed a complaint against Equifax XXXX ... It was discovered by XXXX XXXX XXXX XXXX XXXX after contacting business equifax of the two files. I verified info last week of XXXX having them finally mergeged with the 2 loans disputed added on 1 file! Now my delima is my score represented of the change of BOTH FILES BEING MERGED RECENTLY ... PLEASE ASSIST
Complaint sub-issue: Reporting company used your report improperly

Account # : XXXX Charge Off/ Collections, and Late payments Reporting of late payments or transaction history are illeg

al 15 U.S. Code 1681 ( A ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; Once there is a Charge Off a 1099C needs to be given to the consumer, which I have not received. 15 U.S. Code 1605 A ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. A charge off turns into income and should not be reported on a consumer report.
Complaint sub-issue: Reporting company used your report improperly

LEXIS NEXIS RISK SOLUTIONS, a financial institution and credit reporting agency operating in commerce for profit by regularly furnishing bankruptcy public records obtained from XXXX, is currently furnishing my personal identifying information without my written consent, authorization, or permissible purpose. 

LEXIS NEXIS RISK SOLUTIONS is currently furnishing, selling, and trafficking my personal information to various XXXX XXXX such as XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and others which I may be unaware of. This unauthorized use of my personal identifying information constitutes " Identity Theft '' pursuant to 12 CFR 1022.3 ( h ), and is in clear violation of 15 USC 1681b ( a ) ( 2 ) having no permissible purpose or authorization. Under the FCRA, Bankruptcies are to be EXCLUDED from a consumer report in accordance with 15 USC 1681c ( a ). LEXIS NEXIS RISK SOLUTIONS, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized inquiries no later than 4 business days after receipt and delivery of the notice. 

I demand this agency to cease furnishing the information provided below in respect of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 

XXXX XXXX BANKRUPTCY COURT XXXX XXXX  BANKRUPTCY XXXX XX/XX/2016 XX/XX/2016 2016
Complaint sub-issue: Personal information

First let me clarify that this is the same complaint statement that I 've submitted for XXXX Clarity, XXXX and now CoreLogic/ I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are XXXX XXXX, CoreLogic and XXXX. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with XXXX on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact XXXX and XXXX to do the same. XXXX and XXXX has not. Ive attached the email from XXXX, the dispute results from XXXX ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. CoreLogic, XXXX, XXXX, and XXXX My last dispute was with XXXX on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.
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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for a purpose.
Complaint sub-issue: Reporting company used your report improperly

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 To somebody who can help me. I am very upset about the erroneos things I see on my cradit report. These accounts are unverifiable, invalid, inaccurate and questionable. If all information reported on my report is not 100 % accurate, it must be removed. I hope you can find out what's going on and locate who the inaccurate information belongs to. Can you expedite this quicly? It is my to understanding, that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of the receipt of this letter. According to the law unverifiable, innaccurate, accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help with this matter. 

1. Billing error XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 




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

Looking into this, a XXXX XXXX XXXX account ending in XXXX is a charge account, thus reflecting a balance of {$190.00} opened sometime around XX/XX/2019 as the creditor as XXXX at phone number ( XXXX ) XXXX this inquiry was submitted and the issue now is it is reflecting on my Equifax report.
Complaint sub-issue: Old information reappears or never goes away

Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX XXXX as I am a customer with XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have requested validation and have never received anything validating this account. I do not owe this {$1600.00} for an XXXX account nor does this company have my name correct. Requesting this account be removed
Complaint sub-issue: Can't temporarily delay making payments

I have tried for the past 90 days to request an economic hardship deferment. There is no way based on my current situation that I can make the payments. I have advised them of reduction in income ... The number of children in my household alone combined with my income puts me at below poverty level. I even did the calculation on their website and it said my payment should be XXXX. I submitted the documentation and they continue to deny me. I need some assistance.
Complaint sub-issue: Information belongs to someone else

I submitted credit dispute letter and police report to Equifax on 4 different times requesting to hard inquiries removed as I didnt authorize the inquiry and have been a victim of fraud the bureau refused to removal the inquiry stating inquiries are a matter of factual record ... how can these inquiries remain on my file when I have proved Im a victim please sssist The inquiries in question are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX I have never authorized any inquiries on any dates
Complaint sub-issue: Personal information incorrect

I was turned down for an " easy pay '' plan with a large company, and I found out hat it was because Equifax turned me down when the company sent Equifax my name. I got a copy of my Equifax credit report. My credit history with them looked fine BUT my " personal information '' had some problems and therefore, they ( apparently ) could not confirm my identity for the large company. Here are the problems : ( a ) The employer listed as my current employer is a company I worked for from XX/XX/XXXX-XX/XX/XXXX! Equifax HAS fixed that. ( b ) Equifax has the wrong birth-date for me ; they are off by one month. To correct that, they say I need to send them a copy of my Social Security card *and* my driver 's license. I told them that I refuse to do that. ( I was talking to a woman in the XXXX ). I will not send copies of those sensitive documents to correct an error made by Equifax, which has had a huge data breach.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor in that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX ( Original XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX : {$5300.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX XXXX {$2600.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

during XX/XX/2021 i noticed that i identity has been stolen in fraud and used fraudulently to seek treatment
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are Required by law to do so please investigate my disputes, Thank you
Complaint sub-issue: Debt is not yours

They are attempting collect a utility debt on a house that I no longer own. I told them the house was tax foreclosed on over 5yrs ago. I believe the tenant left the bill after squatting in the house after it was foreclosed on. They said that I was still responsible even though the City of XXXX took ownership of the property while preparing for a tax sale.
Complaint sub-issue: No notice of investigation status/result

I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Account is up-to date. Payment was never late. The original lease ended on XX/XX/2018 and we have extended the lease. They did not deduct the money from the bank after the Original lease ended. We have to called them on XX/XX/XXXX and asked them to deduct the payment. We asked them to send us a letter saying all accounts is up to date with payment ( attached below ). We were informed that credit reporting is being made every XXXX of every month so they couldn't do anything about it. We then, instead, submitted a dispute to all credit bureaus but it didn't changed anything. We called back chase auto on XX/XX/XXXX and they said they said they will verify all information regarding payment with the credit bureaus. We have submitted another dispute the same day but nothing has changed after 30 days the dispute was marked as completed by credit bureaus. This should not affect my credit and you can talk to XXXX XXXX they understand it was not my fault but their fault. They have told me that credit companies can call them and they will verify that they did not send the money to be deducted from the bank and again this should be immediately removed from my records. As of the time of this writing, my credit hasn't changed. We have ended the lease this month and I have never ever been late for any payments. Please help me with getting back my credit score back to normal.
Complaint sub-issue: Debt was result of identity theft

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Complaint sub-issue: Information is not mine

This dispute was finalized and the creditor of the account has instructed Equifax to delete this entry from my account. It was opened fraudulently and is a causing a negative affect on my credit.
Complaint sub-issue: Personal information incorrect

I found out my XXXX  child have a credit report with this company and they fail to give me her credit report they sent to me a stall letter and i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL
Complaint sub-issue: Reporting company used your report improperly

I have attempted several times to contact CITI BANK in regards to the lack of privacy with reporting my personal information. They did not have my consent to do so and this has caused a huge burden on me and my family.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I sent letters to XXXX, Equifax, and XXXX regarding inaccurate and unknown accounts as well as addresses that are showing up on my consumer report and credit file. I have made all three of these companies aware that my identity was compromised and I was a victim of fraud. I do not understand why these companies continue to ignore my disputes requesting them to delete the inaccurate and unknown accounts and addresses that they continue to report when I have made them aware of these headaches several times now. XXXX sent me an email stating the information was updated and I have never seen any documentation for this account I have demanded them to provide physical proof to verify this information and they have not and can not because there is no proof of these accounts belonging to me at this point I feel taken advantage of Equifax and XXXX did not even have the decency to acknowledge or respond to the disputes and it has been well over 30 days to my knowledge they have not even started an investigation at this point. This is causing financial hardship for my family please delete these inaccurate and unknown accounts as well as addresses immediately.
Complaint sub-issue: Banking errors

I have opened this account specifically for XXXX shopping, my mistake was thinking the money was in the account and there was XXXX so I went shopping on XXXX then the bank did not send payments for product that cash app says I paid for. Those transactions fell off and were never paid to XXXX and I have spoken to XXXX about this situation and they said your bank did not send payment so no product. Now as I have said I have made XXXX in deposits and I spent XXXX this is what everything adds up to now. On the feed I went by each transaction added then went by each transaction and subtracted what was spent and the numbers above are what I came up with. this is not rocket science but they have clearly stolen money and you have clearly done nothing either I am sending new updated feed could you please add and subtract as I did. All the plus signs are deposits round ups and what was spent you can clearly see.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX placed a collection on my and my sons credit reports with all three credit reporting agencies. We have disputed the collection with all three agencies and it was removed from our XXXX and XXXX reports. However, after filing two disputes with Equifax, the collection has not been removed. After speaking with representatives from Equifax, they could not explain why the collection remained on our reports. It should be noted that, XXXX XXXX never confirmed or verified the debt in writing as required by law. This is why we disputed the collection and why XXXX and XXXX removed the collection from our reports.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

Hi my name is XXXX XXXX. on XX/XX/XXXX my Citibank account was defrauded by a guy named XXXX who misrepresented himself as a loan officer for XXXX XXXX at XXXX I have attempted to close this account, Report the fraud to the bank and do my due diligence and the bank continues to do nothing. 

The fraud has had an adverse effect on my account as a result I want it closed
Complaint sub-issue: Trouble with how payments are being handled

I use auto-pay to make monthly payments to my student loan in the amount of {$860.00} on the XXXX day of each month. The only way to update the funding source ( bank account ) for the automatic payments is to call and have it updated. My wife called at XXXX PST on XX/XX/XXXX to update the bank account information and received confirmation from the agent that the update was made and the next automatic payment would be taken from the updated bank account. It came time for the automatic payment to be withdrawn on XX/XX/XXXX and it came out of the old account that was no longer in use resulting in a {$37.00} overdraft fee. 

My wife called the loan servicer just before XXXX PST on XX/XX/XXXX to find out why the payment wasn't taken out of the new account which had been updated 3 weeks ago. She spent nearly an hour on the phone and got nothing but scripted replies and " I don't know '' regarding why the payment wasn't taken out of the new account. She asked that they credit back the {$37.00} overdraft fee which they caused and was told it wasn't a possibility and wouldn't be done. She asked several times to be transferred and was put on hold over and over again before finally being transferred. The woman she was transferred to offered to credit the fee back but she first had to listen to the call recording from XX/XX/XXXX and then she would call back within 20 minutes. Surprise, surprise, no call back within 20 minutes. 

She was told that it was possible the bank account information wasn't updated because it was later determined it may not have been an authorized change since she was not an authorized third party on the account. This was NEVER communicated in any way nor was it ever mentioned on the call on XX/XX/XXXX. If this were the case, the agent should have never took any information or provided confirmation that the account information had been updated.
Complaint sub-issue: Don't agree with the fees charged

My total loans were $ 71K+ subsidized and unsubsidized at a fixed rate of 6.8 % - I was on 1 year Economic hardship forbearance since last spring Until XX/XX/2018 I was informed I was going to be billed > $ 26K of accrued interest - which If I didn't pay it would be added to my loan balance. 

I am at 6.8 % - that should have been an increase of less than or around $ 5k and now my loan is {$98000.00} - From $ XXXX - 1 year accrued interest that is supposed to be at 6.8 % and they charged and added > $ 26K to my loan balance. 

I wrote them and emailed from their site and I have heard nothing. 

I used XXXX XXXX 's website and looked at there " understanding your interest '' section - below is copied directly from XXXX XXXX 's page about how to figure your interest accrual : " How To Calculate Interest To calculate your daily interest accrual, use the following formula : Interest rate current principal balance number of days in the year = daily interest '' So, my fixed rate multiplied by the loan total since last payment : 6.8 % * {$71000.00} / 365 = {$13.00} daily interest -That is the daily interest accrual for my loan. 

My interest accrual of course would have been the entire 365 days while on hardship - which comes out to {$4800.00}. 

They added > {$26000.00} of " accrued interest '' to my loan. That is an increase that equals >32.62 % of my entire loan value. They have not responded to my email questioning it. 

Please help.
Complaint sub-issue: Can't close your account

Sometime in XXXX I was sent a letter from my bank which is Citi, that theyll be closing my account but the account has not been closed BUT they keep receiving my direct deposits, so I want the account closed and for them to GIVE ME MONEY THAT REMAINING in my account. First I talked to a representative on the phone and hes telling me I have to wait 30-60 days for my money for XXXX know what reason, they dont want to give me a reason. So I went into the branch they CLERK WOULD NOT EXPLAIN TO ME WHY THEY WONT GOVE ME MY MONEY THAT WORKED FOR, I have bills to pay they cant just keep my money & I can wait 60 days that ridiculous.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called in to Equifax after pulling my credit report. The company Equifax itself is pulling my credit report just about every single day. I have 50 inquiries from Equifax without my knowledge or consent.