Johnade/consumer_complaints_cfpb huggingface dataset:
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 USC 1681. 

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.

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 a account without my written instructions 15 U.S.C 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was result of identity theft

IC Systems account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a XXXX XXXX XXXX  Account reporting on my Credit Profile in XXXX. I advised all 3 Bureaus along with XXXX XXXX XXXX  that I DID NOT open this account and this account IS NOT MINE. I did not notice this account reporting on my credit profile until XXXX when I had my credit reviewed trying to obtain credit. I disputed this account immediately and provided a police report in which at that time was requested. I do not currently have access to said report as this was over 2 years ago. 

After the dispute the bureaus sent me a response of verified, and XXXX XXXX Bank sends me something stating I opened the account online, address used, IP address used ( which they couldnt have possibly verified as mine ). 

I advised thier documentation does not consitute as validation of this debt, and to date I have not gotten a response, and it is still reporting on my credit profile.
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX I got a notice from a credit monitoring company that I had a new address on file. I checked my reports and saw that Equifax is reporting an OLD address as my current address however they sent me a letter to my current address asking me to verify my ID and address information. I never changed my address with them nor made any request to so why they would take it upon their own to change my address to an old address is beyond me but now I am concerned bc my credit information is going to someone else which makes my file subject to fraud and ID theft. I have had several complaints with them about erroneous information that they are reporting and now my ADDRESS??? It needs to be corrected ASAP.  They have already proven themselves to be untrustworthy amongst millions of consumers with the 2017 Data Breach so they really don't have a good reputation of reporting accurate information nor protecting it. FIX IT EQUIFAX!!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TODAYS XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX. Box XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires 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. 

XXXX XXXX XXXX XXXX XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX  XXXX, XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX  XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Telephone Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX
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 information was erroneous. The 3 credit bureaus are required to authenticate the account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Lexis Nexis is providing inaccurate information to XXXX  XXXX, and XXXX. Additionally, they are in violation of of 15 USC 1681 a ( 4 ) my consumers right to privacy. I have already spoken with the courthouses regarding my bankruptcy that was filed, and I know what they did not provide Lexis Nexis this information as they stated that they don't report information to anyone.Lexis Nexis illegally obtained my personal information in order to report to the three main bureaus. I demand this bankruptcy be removed from my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I spoke with XXXX today at XXXX CST letting her know that i received a letter from XXXX XXXX XXXX/XXXX/2022 stating " we received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. '' That was their response to my letter of dispute sent to them on XXXX/XXXX/2022. They did not do a proper investigation into my claim that they should remove accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from my credit file due to them furnishing information onto my credit file with no permissible purpose according 15 USC 1681b stating that they have to obtain written instructions from the consumer to whom it relate. They have no such written instructions and can not produce it. I also have attached a letter from XXXX XXXX that states they have honored my opt out of sharing my personal information to external companies, which includes all Consumer Reporting Agencies. XXXX needs to remove all of these accounts immediately.
Complaint sub-issue: Reporting company used your report improperly

I was affected by the Equifax data breach. My personal information has been confiemd to be have been compromised. This includes name, DoB, SSN, State ID/DL #, address and potentially credit card numbers.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my right

s, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account status

The car financing company XXXX is currently reporting as a closed account on with all XXXX credit bureaus. They are also reporting as a judgement on equifax. I have contacted all three credit bureaus because XXXX is currently garnishing my wages receiving roughly about XXXX per month since XXXX, but the company keeps reporting derogatory/late/no payment monthly affecting my credit score. After speaking with someone from each credit bureau and disputing the account with all XXXX bureaus there has been no change to the way this company is reporting on my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

HiMy mortgage company took advantage of me. Im aware that The CFPB is closely monitoring servicer conduct to ensure that they are complying with all applicable federal consumer financial laws and assisting consumers with resolving delinquencies and preventing avoidable foreclosures. As part of this monitoring, Im aware that the CFPB will continue its heightened review of mortgage servicing complaints, including in particular complaints about challenges working with servicers to use HAF funds.

I have been impacted by COVID-19. On XX/XX/XXXX, I contacted my mortgage Servicer to let them know that I did not have the money to pay for my XXXX XXXX, XXXX mortgage bill, I have been impacted by COVID-19, and I asked what my options were at a time when I was still current on my payments. I told them I was aware of the HAF funds program opening in VA on XXXX XXXX, XXXX, and that I would apply that very day, but that theyre estimating 60-days before any payments covering my mortgage would be made. I specifically asked what contact information I should provide to Virginias HAF program, but I also asked what other COVID-relief remedies are available to me right now in the 60-day+ interim while I wait for my application to be processed. They told me there were no other remedies available. I called them every week in XXXX asking if any other remedies existed, I believe 6 times in total. I called them several times in XXXX asking the same question. I called them several times in XXXX. It wasnt until they told me in XXXX that my condo would be foreclosed upon in 10 days time that they told me I had another remedy available, to defer my payment through forbearance, a remedy I was told that had I employed back on XX/XX/XXXX on the date of my first call with them, I would not have had any delinquencies reported whatsoever. My mortgage company did not act in good faith towards me. I specifically asked them what COVID-relied remedies were available. I asked them a good dozen times and it wasnt until they told me Id be kicked out onto the streets in 10 days time ( even though they knew I was approved for HAF on XXXX XXXX, XXXX, and merely waiting for the payment to be sent to themand VAs HAF program was already in communication with them ), that they told me I had another remedy I could use to avoid foreclosure. They took advantage of me. They lied to me. They did not act in good faith to me. Conversely, I was overly diligent in my efforts to maintain good credit. I contacted them over a dozen times. I should not have to pay for their greedy, foul play lies that has negatively impacted my credit approx XX/XX/XXXX and XX/XX/XXXX with delinquent notices posted to my credit. Id like you to correct their foul play, their unfairness, what I would call gross negligence, on their part. What they did to me is not okay whatsoever.
Complaint sub-issue: Debt is not yours

After multiple disputes, XXXX/XXXX has continued to report invalidated account information to the three credit bureaus without proper validation per the FDCPA and the FCRA. There has been no proof of a signed contract with my signature on it or any documents stating that I agreed to pay XXXX/XXXX
Complaint sub-issue: Funds not received from closed account

To whom it may concern, I am writing to complain citi bank 's extremely sloppy action regarding dealing with customers 's service. My checking account underwent a fraudulent activity in which my whole money around XXXX USD was stolen and transferred to another unknown debit card in XX/XX/XXXX. Because of this, the bank closed my account without any notice. I immediately called the customer service to report this fraudulent activity and was told that I will receive the original amount of money within 60 days via check. During the six days, I constantly checked with the customer service and got the same answer. Besides, I was advised to open a new checking account and they will deposit my funds to the new account. Within this period, I only received one letter from the bank stating that the money transfer did not go through without stating anything about my funds. After more than 3 months, I did not hear anything. I called the customer service everyday and received the same answer there was not any information related to my account. And one representative suggested me visiting one branch. I visited one branch in XX/XX/XXXX, the banker asked me to follow up in 24 or 48 hours. But I emailed and called the banker without any response. I just want to report citi ' extremely irresponsible service.
Complaint sub-issue: Their investigation did not fix an error on your report

I was advised to dispute to help bring up my credit score. Trying to get a loan but the loan company/ lenders state that they can not give me a loan with the disputes on my credit. Please remove all disputes on all 3 credit  reporting bureaus.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/20, I received an email from XXXX  that my credit scored with Equifax had been reduced by 30 points. When I accessed Equifax, my entire auto loan with XXXX  had been removed and identified as paid. I submitted 4 emails and proof of the reporting to XXXX and asked them to fix this immediately because I am in the middle of a mortgage purchase. I received 4 automated responses to my emails. I finally called XXXX and the representative stated that " the credit bureaus are not telling me the truth, that they have NO reason to report my account as closed ''. I asked to speak to a manager but none were available so they sent me to a " consumer help line '' who told me that " this is a KNOWN problem and that it will take 45 days to update the reporting ''. Why is it that they are allowed to negatively effect my credit, which will DEFINITELY stop me from purchasing a home because the drop in my score will effect my interest rate ; but I have to wait FORTY-FIVE DAYS for them to fix what they XXXX  up? Why do I have to suffer for their mistake?
Complaint sub-issue: Was not notified of investigation status or results

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Validation of Debt and HIPPA Authorization. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until debt has been validated by me Additionally, reporting of this debt to the prior to allowing me to validate it is a violation of the Fair Credit Reporting Act. I have already sent 5 validation letters via mail. I have not received a response or update in regards to this matter. 
Account in dispute : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE INQUIRIES OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
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 719XXXXXXXX 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX account XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Account status incorrect

on XX/XX/XXXX I submitted a dispute via certified mail to XXXX noting that inaccurate information was being reported on my credit report. I requested that all information in question be lawfully validated or removed. I received no validation or response. I then submitted a follow up dispute XX/XX/XXXX. Once again I received no validation or response.
Complaint sub-issue: Debt was paid

In a previous complaint to the CFPB under case number XXXX, the aforementioned agency mentioned in the complaint responded to on XX/XX/XXXX, advising that the {$75.00} debt was incurred over 2 years ago, which I was not aware of. Therefore, on the above date, payment was made in full with the online portal of NRA Group , LLC. 
I was informed that billing was requested, please ensure that if the billing documentation is not associated with me or for a date of service prior to XX/XX/XXXX, that the appropriate refund will me made to me. 

Also, as mentioned, I was not aware of a small balance owed as mentioned above, as soon as it was clarified and brought to my attention, payment was made. Please ensure that nothing is reported to the major credit reporting agencies/repositories.
Complaint sub-issue: Old information reappears or never goes away

Hi, I noticed that there are many old accounts showing up on my report that date back to 2006. Please review and remove all old information. Thank you
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on PROGRESSIVE MGMT SYSTE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Account information incorrect

I am writing to challenge the reporting and compliance on these accounts with -XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX   XXXX -XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX These companies are reporting on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are reporting a incorrect account numbers There improper procedures are highly damaging to my credit report to my credit score. 
Please immediately delete this items.