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

So I sent a letter off on XX/XX/2022. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC. No financial institution is suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Complaint sub-issue: Trouble closing card

I received an unsolicited debit card from USBank. I did not apply for this card and am concerned that by them sending this card in the mail is potentially causing me a risk of identity theft. I tried on several occasions to talk to them and was passed to three different departments to a point that the automatic phone tree options would not let me even talk to a representative.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I contacted XXXX XXXX credit card services to dispute/settle the collection account reported on XX/XX/XXXX and was informed that the account had been forwarded to XXXX XXXX XXXX Collection agency and that XXXX was no longer handling the account and all collection activity would be handled by XXXX XXXX XXXX XXXX Between XXXX through XXXX, I never received any correspondence from XXXX XXXX advising of the charge off, considering that the creditor had my current address, at which I resided for the last 12 years. I then contacted XXXX XXXX XXXX and attempted to negotiate the payment for the collection/charge-off account and requested that upon payment- the account to be reported as settled and paid however I was informed that all collection reporting to the credit bureaus was being done by the original creditor- XXXX  and that paying the account would not guarantee an update on information reflected on all the credit reporting bureaus. I then contacted XXXX again in order to discuss the above and was informed that they were not able to assist further.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Other problem getting your report or credit score

I pay for the Equifax monitoring service monthly which provides daily updates to my credit report and credit score. I have not been able to update my score or report since   X/XX/2017 . I have  called them numerous times and every time I call I get the run around. This is a service that I pay for monthly and they have been taking my money monthly and have not provided a solution to this issue. I feel that I am being taken advantage of and would like to file a complaint against Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. XXXX billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( XXXX ) bureaus to remove the lates however, I have not been successful.
Complaint sub-issue: Investigation took more than 30 days

I have filed a complaint previously with CFPB and the are accounts and companies on my file I do not recognize and I have never done business with these companies. I would really like to not have to file a lawsuit to resolve the issues that seem that it was never properly investigated full or investigated at all.
Complaint sub-issue: Account status incorrect

I called to have my account put on forbearance which I was told I was granted which never happened. I than went into collections dues to the error and it shows up on my credit report as two separate occurrences on my credit due it being set up as two accounts that were combined.
Complaint sub-issue: Their investigation did not fix an error on your report

Accounts are fraudulent and would like them removed from my Equifax credit report.
Complaint sub-issue: Account status incorrect

The credit bureaus ( XXXX XXXX and Equifax ) have been provided Satisfaction Letters with regard to a creditor 's tradeline ( XXXX XXXX XXXX XXXX ) yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor ( XXXX XXXX  ) has referred to me the assignee ( XXXX XXXX XXXX ) and XXXX XXXX has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account List : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have all violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX. Sometime before XX/XX/2021, an annual consumer credit report was requested by me XXXX. Upon review of the reports, noticed a collection account reported Receivable Management Systems. 

XXXX. After seeing this error, I immediately disputed the alleged collection account with the credit bureaus. 


XXXX. After an investigation, the bureaus came replied stating the account was verified with Io, INC. name and address. 


XXXX. On XX/XX/2021, Io, INC ( Receivable Management Systems ) caused to be delivered to me a letter ( " Letter '' ) in an attempt to collect the alleged debt. 

XXXX. Claiming some time prior to XX/XX/2021, an obligation was allegedly incurred by XXXX to XXXX XXXX. 

XXXX. The Letter is a " communication '' as defined by 15 U.S.C. 1692a ( 2 ). 

XXXX. The alleged Patient first obligation is a " debt '' defined by 15 U.S.C. 1692a ( 5 ). 

XXXX. Io, INC ( Receivable Management Systems ) contends that the alleged debt is that their records show debt is still due and owing as of the date of the letter. Also, the dept has accrued late fees of {$48.00}, and a collection fee of {$40.00} and Because interest, late fees, and other charges may vary from day to day, the amount due on the day you pay may be greater. 

XXXX. Io, INC ( Receivable Management Systems ) collects and attempts to collect a debt. 

XXXX. Unable to find records of the alleged collect accounts claims and suspicion of the authenticity of the document sent in the letter that offered no copies of original documents. 

XXXX. On XX/XX/2021, I sent Io, INC ( Receivable Management Systems ) a letter requesting proof of legal claim to the alleged Debt or removing the derogatory account from the Plaintiffs credit report. 

XXXX. The Letter stated in part : On XX/XX/2021, I received the documents you sent to validate the debt. Let me inform you that a debt is owed does not give you the legal right to collect on the debt? 

XXXX. There was no action from Io, INC ( Receivable Management Systems ) as far as proving the legal claim to the debt or removing the account from XXXX 's credit report. 

XXXX. On XX/XX/2021, I sent another letter. 

XXXX. The letter stating in part : On XX/XX/2021, at XXXX pm, your office received my request for Receivables Management Systems, also known as Io INC, to validate the debt you claim that I owe your company. You have not responded to my request, and you are in DEFAULT. 
Your company has made it clear that you are using unfair and deceptive means to collect a debt. Immediately remove any derogatory reporting to the credit reporting agencies XXXX. Io, INC ( Receivable Management Systems ) then closed the account on XX/XX/XXXX and then reopened the account on XX/XX/XXXX with an increase of a dollar.
Complaint sub-issue: Billing dispute for services

This complaint has to do with the Equifax data breach and their settlement administrator that was set up to disburse the money. I timely submitted the initial claim for alternative compensation up to {$120.00} to pay for a credit monitoring service. Additional correspondence was later sent to me to verify the name of the credit monitoring service by a certain date or my claim would be denied. XXXX XXXX XXXX XXXX XXXX was unable to tend to my matters. Now that I am well, I tried to cure the matter by opting out of the alternative compensation and electing to receive a cash payment instead. When I called them to do so, a recording stated that the case is under appeal and the funds would not be distributed until a decision was rendered. Because everything was on hold, I asked the company for a little courtesy since nothing would be happening for some time now. However, company still denied me because I was untimely. I know I didnt meet their deadline, yet I think its still unfair that they would deny my claim when theyre just sitting on the money at the moment.
Complaint sub-issue: Not given enough info to verify debt

I requested proof of this debt with a signature and they did not forward any information. A print out does not validate and there are several XXXX
Complaint sub-issue: Not given enough info to verify debt

My wife is a XXXX immigrant with permanent legal status, but limited XXXX language skills. Upon moving her small business in XXXX of XXXX she contacted XXXX XXXX for phone and internet services. For sometime she received reasonable bills in the amount of {$50.00} or so per month. Then suddenly, the amount of the bills more than doubled. By that time we had met and married and, as her husband, I made contact with XXXX to inquire. 

I was told that she had contracted for an offer which included discounts which had run out. I found that she supposedly agreed to a business plan with high speed enhanced internet service. Much more than a XXXX person sewing and alteration shop would ever need. I requested that the agreement be cancelled and was told that she would be billed for the discounts and she began to be dunned for amounts over {$1000.00} and up to nearly {$1700.00}. 

When she moved the business again and sought phone and internet service from another provider, XXXX XXXX blocked the transfer of her business phone number. Working with the Illinois XXXX XXXX and the Illinois Attorney General 's office we finally got the number transferred. 

In XXXX of XXXX ( the notice does not have a date of mailing ) we received a notice that the debt had been referred to EOS CCA of XXXX, New York, XXXX. I sent a letter of dispute on XX/XX/XXXX.In the letter I requested a copy of the agreement my wife had signed. XXXX XXXX had at XXXX point told me the contract may have been done over the phone, but they have not produced a tape of the verbal contract either. I was told by a representative of the XXXX that they often heard of complaints with XXXX in which the recorded agreement could not be produced. 

The collection agency nka EOS XXXX, sent a letter dated XXXX XXXX, XXXX in an envelope with a postmark of XXXX XXXX. I received the letter in the mail on XXXX XXXX. 

The letter says " EOS CCA has received your dispute. As part of our reasonable investigation, we have sent our client a request to obtain an itemized bill ... '' It makes no mention of our request for a signed contract. 

I have spent hours on the phone and writing letters in the attempt to bring this matter to a conclusion. I am nearing the point of seeking compensation for my time and the damage done to my wife 's credit and reputation. 

We have copies of correspondence with XXXX XXXX, the XXXX and EOS CCA ( and EOS XXXX ). 

Thank you.
Complaint sub-issue: Account status incorrect

I have tried to contact these two agencies to remove all disputes and verbiage as the disputes are done and I am not re disputing and I held for more than one hour. Please help
Complaint sub-issue: Account information incorrect

I SENT OFF LETTERS ON XX/XX/2021, TO THE CRA 'S ( XXXX, EQUIFAX, XXXX  ) ABOUT NEGATIVE ITEMS THEY ARE REPORTING ON MY CREDIT PROFILE. THE INACCURATE INFORMATION, INCLUDING MY NAME AND ADDRESS HAS NOT BEEN VERIFIED TO ME AND ITS CONTINUE TO BE POSTED KEEPING ME FROM OBTAINING CREDIT. I HAVE ATTACHED COPIES BELOW FOR MY RECORDS
Complaint sub-issue: Not given enough info to verify debt

I recently received a bill from XXXX stating a Previous Balance of {$470.00}. However, I am not a XXXX customer. I had XXXX Long Distance service at a previous address prior to XX/XX/XXXX, but XXXX does not offer Long Distance service in IL. I called XXXX and repeatedly tried to get someone to help me identify these charges, but no one there was able to access my account, as it was closed in XX/XX/XXXX ( I spent 4 hours on the phone, calling numerous departments, but no one could find anything ). I tried tweeting, I tried online chat ... no help. As such, I do not know what this bill is for, and I think XXXX was charging me for services I did not receive ( I was an XXXX LD customer from XX/XX/XXXX to XX/XX/XXXX, and am XXXX now ). This bill is the first correspondence I have had from XXXX for 5 years -- I have not had a bill or anything from them in that entire time, so this is a surprise. 

XXXX then reported me to a credit bureau, MRS . I put this in dispute with them, and all they were able to provide me with was the statement XXXX sent me -- no bills, no details on what this Previous Balance is for.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I paid off my car loan at the beginning of XXXX. They claim they sent the title, I never received it. They now have been promising to send me a release of XXXX paperwork so I can get a duplicate and have not received it. It has been 2 & 1/2 months going on three months. They have a call center that refuses to transfer you to anyone. They say they have to email The title department and can not transfer or give me another number. I have called probably 2 dozen times, they always say it takes 15 days. I have yet to receive anything!
Complaint sub-issue: Account status incorrect

After reviewing my credit I noticed that there was a closed account negatively affecting my credit. Pursuant to the 611 and 609 of the FCRA I requested that this item be removed. The account is through XXXX with an original delinquent date of XX/XX/2005.
Complaint sub-issue: Their investigation did not fix an error on your report

i have requested proof of ownership of an account from XXXX XXXX from Equifax. this account belongs to a XXXX XXXX and filed in her bankruptcy. however they are still reporting this account on my report with no proof. the amount is {$8800.00}, i have sent certified letters stating these facts since XX/XX/2020 and no answers to this date XX/XX/2020
Complaint sub-issue: Information belongs to someone else

So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to XXXX, equifax and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.
Complaint sub-issue: Didn't receive enough information to verify debt

I have tried several times to dispute this debt. I have also attempted to verify the accuracy of this debt to no avail. And lastly, I have written to Nelnet XXXX. XXXX XXXX XXXX, NE XXXX about the possibility of setting this matter in exchange for the original instrument of indebtedness in its original form with no success. Please advise ...
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Unable to open an account

Trying to connect my PNC account to XXXX  and it will not let me, I have had a XXXX  account for almost 2 years and never had an issue in the past with it connecting but now i do. I would like to keep using this app to save money and would like for PNC to allow it to connect
Complaint sub-issue: Information belongs to someone else

I recently submitted a request for investigation of several student loans, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX  system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried on several occasions to fix inaccurate and fraudulent information on my credit report. Equifax has consistently REFUSED to even investigate. I have been sent letters saying they won't block fraudulent accounts despite sending in the FTC IDENTITY THEFT AFFIDAVIT for the fraudulent accounts. They said in other words that I was lying instead of actually investigating. 1 particular account wasn't even in my name or address, but they refused to even look into it.

It has since been taken care of by the original creditor.

They also refuse to delete inquiries that I did NOT authorize. The other 2 bureaus have done their job in removing inquiries that i did not do. I Am a victim of identity theft and my report is marked so. 
They repeatedly state that they are factual record. Factual record is that i have fraud and identity theft on my credit report. They consistently refuse to do their job.
Complaint sub-issue: Reporting company used your report improperly

I made 2 disputes with Equifax about these inquiries on my credit report. The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. I need these removed immediately. 

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been a victim of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( XXXX, XXXX and Equifax ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX XXXX XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.
Complaint sub-issue: Debt is not yours

Enhanced Recovery Company continues to assert that I owe a debt to a phone company that I have not done business with in years. This is not my account and I don't owe any money to XXXX.
Complaint sub-issue: Debt is not yours

contacted this company several times to advise this debt is not mine .... ask for proof to and was never contacted back.
Complaint sub-issue: Problem with product or service terms changing

Equifax got hacked and took 1 month to tell us about it. All of my personal financial information is out there in the open. I ca n't just change all of my account numbers. This hack is going to follow me around for the rest of my life. 

To top it all off, Equifax wo n't even give us lifetime credit monitoring. They give us a year, at most, if we agree not to sue them. I have to freeze my credit now, and these XXXX are making me pay for the privilege. Their incompetence is costing me money.