Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with EQUIFAX. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in XXXX days and it's been over XXXX days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C XXXX ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) the term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information.
Complaint sub-issue: Right to dispute notice not received

I contacted Enhanced Recovery Company LLC after i was attempting to enter into a new relationship with a mortgage company and discovered that this collection agency had an open past due account with the credit bureaus in relation to my ssn. I contacted the company via certified mail XXXX 2015. I received no response within the required XXXX days, so I informed the company via certified mail that they were in violation on the federal law FDCPA 807 ( 8 ). I began to call the agency multiple times as a desparate attempt to resolve this negative mark that is preventing me from my mortgage approval. I received the attached letter in XXXX 2015 and that is the last communication between myself and the creditor. I informed them with several letters and multiple phone correspondances that I need this account to be validated or removed NO RESPONSE!
Complaint sub-issue: Didn't receive enough information to verify debt

Sears citi bank card I have been trying sometime know to have the Sears citi bank card and  XXXX  to  send me something with my signature on it that validates that I am the correct person on the account or that I authorized any of the payment and I have sent certifeyed letters to both company to send me some type of verification and I recieved my credit report comments fcba dispute resolved- consumer disagrees and of course I disagree. So because I can not get the credit card company or the sear citi bank credit card company to send me anything I am asking the fcba to hgive me the names and addrress of the people the spoke with that can verify that that is my account and to send me some information and proof of my signature. You would think that after certify letter requesting this information  2 ti me from each company this matter would be resolve and deleted from the credit companys I can not get any credit anywhere because of this inaccuracy
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. 

Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The XXXX and XXXX XXXX Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

1. EOS CCA XXXX Balance {$170.00}
Complaint sub-issue: Don't want a card provided by your employer or the government

i was sent a us bank reliacard in the mail. i have no idea why, as i am not on any govt benefits or unemployment. i suspect it is fraud. i called us bank fraud dept, and was told that they could not help me and my call was forwarded to a number that tried to get me to put in my social security number to activate the card. there is nothing on their menu for fraud. after sitting on the call on hold for over an hour, it was disconnected for no reason. called back in, and same thing happened again. around an hour on hold and then disconnected for no reason. so not only has someone potentially committed fraud in my name, the horrible customer service of the bank has no willingness to look into the matter. i have lost now 3 hours of my work day trying to deal with this mess.
Complaint sub-issue: Information belongs to someone else

THE ADDRESSES THAT ARE LISTED DO NOT BELOW TO ME, I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX GA XXXX
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : 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: Credit inquiries on your report that you don't recognize

I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ). 
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

XXXX XXXX XXXX express Inquiry date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX- Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank Equifax XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks
Complaint sub-issue: Account status incorrect

I have been disputing an account on my credit file, and although multiple FCRA violations have been clearly committed, this file remains on my credit report. I have contacted Equifax numerous times, by mail, email, online dispute but they continue to report this inaccurate unverifiable information on my credit report. I have reached out to the credit issuer many times, but with no response. I have created a XX/XX/XXXX case ( XXXX ) against them, and a CFPB case complaint XXXX-XXXX  against them as well. I have called them and tried to contact them through email, each time I get no response. This is a clear violation of FCRA. I just recently submitted a complaint and in 30 seconds the system said complaint completed and no information was every updated. It look like an automated response. I understand that repeat static complaints are ignored, but each time I add relevant attachments of new information that the company has not responded or ignored. By law Equifax has the obligation to throughly review and update my credit file upon request in a fair and accurate manner. They are ignoring my complaints. If you look at the file on my credit report, the status of this entry has not been updated since XX/XX/2013 ( see screen shot ). I am looking for Equifax to remove this entry, the company account find my account and the information they are reporting is incorrect. I have spent several months trying to get this account removed. Equifax is in violation of FCRA and I am looking to seek damages. Please remove this erroneous information from my credit file ASAP
Complaint sub-issue: Reporting company used your report improperly

A hard inquirer to credit company by Citibank on me XXXX XXXX with out my knowledge and my permission. This hard inquirer lowed my total credit score.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account information incorrect

Hi, I have an installment loan that is appearing as a " Mortgage '' on my credit report on all three credit bureaus. I have a letter from the loan company that has stated that this loan is an " Installment Loan '' and should NOT be classified as a mortgage. The loan was to purchase a water softener that was {$5800.00} and the loan is only secured by the equipment that was financed and is NOT secured by my home. I have disputed this information with all three bureaus but they keep saying the information is correct even after I give them the letter from the company which is called " XXXX XXXX XXXX '' which states that this is NOT a mortgage account. The bureaus and the loan company both blame each other and nothing get 's done. Besides taking legal action I don't know what to do. 

As of XX/XX/19 I have disputed all my reports which resulted in no changes. As well as disputed this information directly with the loan company which they keep saying is the fault of the credit bureaus. I have documentation which proves this is not a mortgage and should NOT be classified as a mortgage account on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Didn't receive advertised or promotional terms

XXXX XXXX XXXX XXXX - I signed up for XXXX XXXX card in anticipation for a trip my wife and I were planning on taking. The promotional material I received in the mail was that I would earn XXXX XXXX miles after spending {$4000.00} in first 4 months. I more than exceeded the {$4000.00} in four months but was only credited XXXX bonus miles. I called Citi costumer service and they said that I was never eligible for the XXXX points offer. I read for them word for word the hard copy letter I received in the mail and they indicated I had to send them the hard copy letter, which I did. I called them back after a week and they confirmed for me that indeed I was eligible for additional XXXX points. I said ... great, please credit me them so I can book our airline tickets as the prices / miles for the tickets I need to book have already increased due to their mistake. They simply told me they were unable to do so and the it would take up to 2 billing cycles for the additional credits to hit my account. In my opinion this is simply unacceptable and they are clearly responsible for any costs I incur due to increasing airfare considering it was their mistake and they admitted it was their mistake.
Complaint sub-issue: Public record

I am disturbed that Equifax continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer, exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, I ', requesting them to delete this information from my credit report and send me an updated copy when this action is completed. 
They did not approved my request
Complaint sub-issue: Problem during payment process

Hello, Upgrade XXXX XXXX has many issues they will not work with their customers to fix or solve. I have called several times to change my due date and they will not do that.it a set date and they refuse to budge. The card also gets refused alot, several times at gas stations and stores. I have Paid off half of my {$6200.00} debt on the card in the last month, one payment of {$3000.00} and another of {$470.00} and my payment has not reduced at all. It still at {$450.00} plus a month. I do not understand how a company continues to work like that? I need some action done on my part. Their reviews are horrible on XXXX and other review websites. Can I please have some advice on this situation. I am paying the card off and not using it anymore but I feel like they are taking advantage of people. 

XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. They have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

In XXXX, I took out a private student loan for {$10000.00} which is currently under the XXXX XXXX XXXX XXXX and another one for {$25000.00} which is currently under the Lender, XXXX XXXX  of PA. 

Today, my loan balance for the loan I took out in XXXX is {$11000.00} and the loan for XXXX is {$23000.00}. I have made monthly payments in the amount of {$120.00} and {$240.00} over a 12 year period. I noticed that my principle balance is not moving as I pay down my loans and there is no end in sight. Every year, it appears as if a new lender purchase my loans without keeping the proper paperwork. 

To date, I have paid a total of {$30000.00} on my private student loans and realized that I am currently being overcharged for private loans that are constantly being sold. This is a total scam, and I see no end insight. I am sick to my stomach because I have been paying on these loans without any end date for payoff. 

I would like a full investigation into all of the companies that have sold my private loans over the years and a full investigation into the amount that I've actually paid over a 10 year period. I have been taken advantage of and will be paying on these private loans for the rest of my life.
Complaint sub-issue: Account status incorrect

XXXX/XXXX  # XXXX is reporting a charge off to my credit that is past the Statute of  Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit report.
Complaint sub-issue: Account status

On XXXX I opened a mortgage with XXXX XXXX XXXX in the amount of {$320000.00}. Due to issues I had no control over, we had to let the house go into foreclosure. Our last payment was on XX/XX/XXXX the Trustee Sale was on XX/XX/XXXX per the XXXX County Recorders office. XXXX is falsely reporting to all XXXX credit bureau 's wrong information and I have been trying to have them fix this for the past several weeks and still has not been resolved. First, they are reporting to all XXXX credit bureau 's that this account is still open and as of XX/XX/XXXX I am XXXX days past due. Second, there is a discrepancy in the account number that all XXXX credit bureau 's have and what XXXX has. I am at the mercy of XXXX to fix this and it seems that the individuals that are in charge of reporting true and accurate information are incompetent. I am currently trying to refinance my current house to a lower interest rate which would save me approximately {$75000.00} in interest. Because of XXXX 's inability to report correct information I am not able to proceed with my refi. I have uploaded all the documents that I have received from XXXX to all XXXX credit bureau 's to have them correct these issues but they will not due so.
Complaint sub-issue: Didn't receive notice of right to dispute

Enhanced Recovery Corp  is unable to collect in Texas.   Sectio n 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection i n Texas unless the third-party debt collector or credit bureau has obtained  a surety bond  and filed a copy of the bond with the Office of the Secretary of State.     ERC opened a collections account on  XXXX / XXXX / 2017 .
Complaint sub-issue: Information belongs to someone else

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX US DEPT ED ( Several Accounts ) XXXX XXXX ( Severe.I Accounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX There are also several inquiries that should not be there either XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/2018, I filed a dispute with Equifax. Equifax reported a secured account with XXXX/XXXX XXXX XXXX XXXX. None of the information was correct. Initially, Equifax reported as a credit card that was over 120 days past due. I received an update, my profile is now reporting a " secured '' loan, which is not correct. High balance of {$3400.00}, and I already stated never had a credit card. In fact, I do not have a secured loan. And if I did, how would I be 120 days past due when my credit report is saying the monthly payment is {$250.00}, but only {$410.00} is past due. None of this makes sense. Equifax did not properly investigate.
Complaint sub-issue: Personal information incorrect

I contacted the credit bureaus to have addresses that arent mine removed XXXX said it would be off in 3 days they never removed the address and its so hard contacting them I just didnt even try to call again after 15 failed calls due to the idiotic robot and for Equifax I always have issues with them its just no reasoning with Equifax Im not asking for anything to be removed but a address Im not even associated with I have accounts on my credit report attached to the 1 address that should be on every bureau XXXX XXXX XXXX XXXX Ohio XXXX is my ONLY address please CFPB make these people fix this they want folks to jump through XXXX hoops just to do stuff thats very simple making empty promises wasting time and hours on the phone. I just want the XXXX XXXX XXXX address removed from both bureaus. I also have another issue with Equifax of course like always they havent even reported my XXXX XXXX XXXX  payment report reports to both XXXX and Equifax and equifax of course like always is being very stubborn for no reason. XXXX has done everything I asked perfectly fine. Its the other 2 Im having issues with.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2021, I contacted XXXX  and Equifax to inform them the bankruptcy on my account is inaccurate. XXXX  has deleted the erroneous bankruptcy off my report but XXXX  and Equifax keeps telling me it is verified but fails to provide me the company, organization or persons responsible for verifying the information. I want this bankruptcy removed off my report immediately.