Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

Good Afternoon - How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

U.s. bank reversed all or most of my charges to companies i made payments to. My car was repossed and other services were shut off including my cell service. At this point its in the thousands of dollars they are supposed to refund me. My car has been now sold at auction by the finance company. Im out of my car and all the payments i made for it over these years because of the mistakes. Not to mention all services being shut off on me. U.s. bank gov. Unemployment benefits over XXXX dollars
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permissions to furnish these accounts. 


Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account opened as a result of fraud

Checked my credit reports recently and there were three fraudulent personal loans taken out in my name and funds were dispersed to a bank account ( First Horizon Bank, headquartered in XXXX TN ) for approximately {$45000.00}. I have the routing and account number the perpetrator is using at HXXXXrizon Bank and it is not mine but they are using my personal information to utilize it.
Complaint sub-issue: Information is not mine

I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thank you for your help, XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

I was part of the Equifax breach that was in the news in XXXX XXXX. They set up a website to verify if I was impacted. I immediately received a credit monitoring registration date, however I noted that in order to comply with that, I would rescind my rights to being part of any future lawsuits.
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 and other furnished XXXX XXXX, XXXX XXXX, XXXX 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 my current and only address is XXXX XXXX XXXX XXXX, OH XXXXThe following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX CT , XXXX, OH XXXX
Complaint sub-issue: Deposits and withdrawals

On XXXX XXXX my phone and debit card was used to fraudently cash XXXX money order. Ive been the victim of identity theft and its an ongoing issue and investigation I am working with law enforcement to stop this stuff from happening. But my phone was used to cash XXXX false money order and now my account was debited that money because the bank denied the money order. I didnt have anything to do with any of this but I lost XXXX $ because of it I filed police report Acct number XXXX
Complaint sub-issue: Debt was paid

This discover account was a paid charge off as of XX/XX/XXXX. Tried to reach out to the company numerous times and was told there was nothing that they can do. Got in contact with the bueureas and they told me I had to contact the creditor.
Complaint sub-issue: Their investigation did not fix an error on your report

I made several attempts to rectify items found on my report that were due to identity theft and/or inaccuracies. I sent a copy of police report as well as a copy of the errors. 
There are inquiries I did not approve, accounts that are not mine and personal information that is not accurate such as addresses and/or employer. 
I explained it is pertinent that they rectify these issues due to the negative effect it is causing my credit worthiness with obtaining government contract for much needed services.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX Has Violated My Rights 15 USC 1681 Section 602A States I Have The Right To Privacy 15 USC 1681 Section 604A Section 2 It Also State A Consumer Reporting Agency Can not Turnish A Account Without My Written Instruction
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The hard inquires on my report I did n't request for them, have n't tried to receive no line of new credit, from credit cards are car loans are nothing like that I have over 10 inquires, have no clue where they came from,
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b LexisNexis are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; US BKPT CT IL XXXX XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX XXXX XXXX XXXX # : XXXX ; US DIST CT Bankruptcy XXXX XXXX XXXX # : XXXX ; US DIST CT Bankruptcy : Dismissed XXXX Reference # : XXXX ; U.S.Bankruptcy Court XXXX XXXX XXXX Reference # : XXXX ; U.S. Bankruptcy CourtXXXX XXXX XXXX Reference # : XXXX ; According to FCRA Section 605B ( a ) the LexisNexis shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

I am being charged {$1300.00} for an apartment i never lived at. Someone has rented out an apartment using my information. This account was opened fraudulently in my name. I am currently on XXXX XXXX in Washington, DC and not in Georgia
Complaint sub-issue: Information is missing that should be on the report

I have a XXXX XXXX account with over 10 thousand dollars in available credit and over 20 years old is not showing up on my Equifax credit report. It's showing up on XXXX XXXX and XXXX but not Equifax, there is about a XXXX point difference in my Fico as XXXX and XXXX XXXX are only XXXX points apart but Equifax is also almost XXXX points less than XXXX and XXXX XXXX.
Complaint sub-issue: Confusing or missing disclosures

This account was closed and I want nothing to do its or affiliation .because of no access to my funds do you know how much was lost because of these XXXX and how much what this does to somdone when they have to pay things on time. I haven o access to fins means no ability to pay and Stay on my stuff lawyers court lawsuit for what they have lost. I have none of my funds. They are going to be sued. I can't do anything without my funds. In court thy see no funds equals banks fault and responsible. I want my funds immediately.
Complaint sub-issue: Information belongs to someone else

Dear Equifax in reviewing my credit report on the website. There is another social security number ending in XXXX attached to my credit report. The social and accounts do not belong to me. I made numerous attempts to resolve this matter via Equifax automated service, however I had no success by phone. I have proof of my real social, and real ID. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consume, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete
Complaint sub-issue: Account status incorrect

A supervisor by the name XXXX XXXX with FLAGSHIP CREDIT ACCEPTANCE approved my 60 day ext XX/XX/20 I emailed him multiple times and he was supposedly not available for 30 days. I was called repeatedly by different representatives saying I was behind when in factuality I wasnt. They failed to update my account consistently. They reported me being late 60 days and Ive never had a late payment and they dropped my credit score 90 points and Im in the midst of buying a home for my family. I have the documents to prove this extension was approved and they sent me a letter saying the update was accurate, this is violation of the FCRA!
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX  mistreated me by increasing my increasing my rent charge every month. I inform them that I'm now on XXXX with limited income and they stated it was not their problem. They lied to the courts which I had to straighten out by showing the correct documents. I'm still on XXXX with a limited income. I have documents regarding this issue.
Complaint sub-issue: Problem with fees

They weren't applying payments in the manner they publish that coincides with the Credit Card Act. Rather than look at and fix the problem, they just kept telling me they were following the rules and attached them. Yet it shows in black & white they did not! They would not fix it. I tried many ways and became so frustrated I closed the account. I submitted complaints. The company responded saying they didn't do anything wrong and posted the rules AGAIN. Yet they didn't follow the rules! Hello! Is anybody listening? 

" balances that are at the same APR will be paid in the order of their expiration dates '' yet they paid my XX/XX/22 balance vs my XX/XX/22 balance. 

I have excellent credit and know it will be affected by closing the account. 
What is happening? Why is this company acting so strange all of the sudden? My concern is for others. This should be investigated.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$43000.00} XXXX  XXXX  XXXX XXXX XXXX {$1900.00} XXXX  FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 
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Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Complaint sub-issue: Didn't receive notice of right to dispute

I have had no communication with this collector. I received a notification via XXXX XXXX that there was a new collection on my account. I disputed and reported the account to CFPB. This company is engaging in shaddy collection practices. This is the second time they have place this debt on my credit report but have not provide verification.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/18 i asked equifax to provide me proof of how they validated the debts that they are reporting. they have not provided me proof i called the lady said they are not required to provide proof which is false.
Complaint sub-issue: Deposits and withdrawals

I previously invested on the peer-to-peer borrowing platform LendingClub. Due to poor performance, I stopped new investments a few years ago. All of the notes that I had invested were either paid or charged off, and my account was subsequently closed. After that, there were recoveries on previously charged off loans. LendingClub is generating statements that show I have a cash balance, but I am unable to withdraw it. On the website, clicking any options related to bank accounts or transferring money brings me to the page that allows me to download my PDF statements. 

I attempted to e-mail LendingClub regarding this issue at the address listed on their help page, but received a bounce message and an auto-reply that the box is not monitored.
Complaint sub-issue: Account information incorrect

In XXXX of 2022 I discovered incorrect information being reported on my credit report. I sent letters that were received in XXXX and again in early XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

While reviewing my XXXX credit report, I noticed a collection account listed as XXXX  XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.
Complaint sub-issue: Debt was paid

Audit System Incorporated ( address : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, # XXXX, NC Insurance Permit ID # XXXX ) has contacted me via phone and now via mail in an attempt to collect upon a debt for the company XXXX XXXX XXXX. I was originally paying XXXX XXXX for taxes owned for the XXXX XXXX XXXX. I paid off my debt with XXXX XXXX and called on XX/XX/2018 to confirm this ( I spoke with a person named XXXX on a recorded line and I recorded the phone call ). He in fact stated that my bill was paid in full and he then stated that XXXX XXXX would never sell debts to another company to collect since they themselves are a collection company. Audit Systems Incorporated has been harassing me for the past month via phone and now via mail stating that I still owe money to XXXX XXXX. 
On the bill I was sent, they even list a different client named " XXXX '' with a client # XXXX but state that XXXX XXXX XXXX is the original creditor of the debt. In the bill it states that if I don't pay them, my credit will be negatively affected.
Complaint sub-issue: Card opened as result of identity theft or fraud

My identity was stolen in XXXX. 
Discover Card allowed and facilitated this identity theft by not verifying that the applicant was not an impersonator. 
I have disputed this with the creditor, but they have their information mixed up and not accurate and they are misrepresenting the facts. 
Such as they claim that i first contacted them to report the theft on XX/XX/XXXX. 
I have a letter dated XX/XX/XXXX, stating that they deactivated my account due to lost or stolen card and they were going to issue a new card! 
I also have a letter from discover dated XX/XX/XXXX, stating that they have started an investigation for identity theft. 
NOT XX/XX/XXXX as they have also misrepresented. 
Discover states that the investigation was completed on XX/XX/XXXX and that the fraud had been removed. 
I have a letter from Discover dated XX/XX/XXXX. The letter states that upon review of the facts of the case, we determined that unauthorized charges have occurred on the above referenced account. The account has been credited these charges and your valid balance has been transferred to a new account. This is another misrepresentation of facts and Discover also lied because they did not remove ANY charges for anything. 
Discover also states that i contacted them on XX/XX/XXXX and provided additional information that caused them to reverse their decision. I have a letter from Discover dated XX/XX/XXXX that states the account is being investigated pursuant to an allegation that it was established fraudulently without your knowledge or authorization. 
Discover Card has not provided me proof that they have a valid application for credit. And their information is inn accurate concerning their investigations!