Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have an auto lease with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$7000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

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 {$75.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$140.00} .... 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Complaint sub-issue: Information belongs to someone else

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) that resulted from a short vacation in XXXX XXXX, XXXX. I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, and they were unable to provide me with any proof otherwise.
Complaint sub-issue: Account status

Equifax shows charge off as status every month for 24 months. Should only report as charge-off for 1 month.
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack and my information was stolen.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Us Bank is withholding XXXX dollars in my unemployment account. 
Initially they asked for proof of identity, which I uploaded on their website.As of XX/XX/2020 in my last conversation with customer service they say they need my drivers license, social security card, and tax returns faxed to a number I cant validate.I can't get a name from any customer service person or talk to a supervisor.this is very suspicious and I'm not about to just send this important info to a random fax number when I've already sent it via website
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed with the Equifax at the beginning of the month but they failed to attach a police report when disputing the fraudulent XXXX XXXXXXXX XXXX ending in XXXX. The investigation took 3 days and to be honest that's not an investigation and they didn't verify everything in 3 days.I have never signed up for this account My rights have been violated and I am trying not to file suit
Complaint sub-issue: Sent card you never applied for

On XX/XX/2020 I have received a debit card from U.S. bank reliacard. I believe that my personal information was use by another person to apply for unemployment or unemployment insurance program from the state of Ohio.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. 


How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Information is not mine

I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I leased a vehicle from XXXX. 
After returning the car to the dealership I was waiting for a final bill. 
I would call them periodically to find out whats going on and they told me that the dealer hasnt docked my car which i think means the dealer hasnt returned it to the leasing lender. 
About 3 months later I was billed and paid the bill right away. 
XXXX has reported a late payment on my credit report. ( Less then {$10.00} ) This late payment affected my score drastically as it lowered it by more then 50 points. 
I have disputed the late payment with the credit Bureaus and the late payment was removed but showed up again a month later as if the lenders system pushes it back in there automatically. 
This has been done twice. 
I spoke to XXXX XXXX over the phone multiple times this past year. 
They have mailed back and forth with their credit department and I was told the credit department has removed the late payment from my report. 
For some reason this late payment still shows up on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

A letter was mailed CERTIFIED to the following attached companies-see documents. The company was asked for ORIGINAL CONTRACT, PHYSICAL SIGNATURE, RECORDING OF VIDEO/AUDIO showing I ever asked for a line of credit. Furthermore, they were asked to tell me whom they corresponded with, their name, their ID number, contact phone/address. You can see they did not. PROOF they are not validating and/or verifying as required under the FCRA. Company responded with various answers but could not provide me with SPECIFIC information as requested. 

By law, they have to remove all accounts that are not 100 % factual and true. In addition, they have to pay me {$1000.00} per offense for defamation of character and destroying my ability to get credit. 

Furthermore, any accounts that have been charged off, under the FCRA, CAN NOT HAVE A BALANCE. Must read XXXX They have the option to make it read XXXX or remove the account all together for improper reporting. 

And finally, any accounts using variations of my name, not using my full name : first, middle and last, are fraudulent and need to be removed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, EQUIFAX AND XXXX HAS VIOLATED MY RIGHT OF THE FCRA 611 ( a ) ( 6 ) ( B ( iii ).

THESE AFOREMENTIONED COMPANY HAS REFUSED TO COMPLY WITH MY RIGHTFUL REQUEST FOR METHOD OF VERIFICATION ON ALL MY DISPUTED ITEMS WITH THEM.

I REQUESTED THE AFOREMENTIONED CREDIT BUREAU TO PROVIDE ME RELEAVANT DOCUMENTS THAT CLEARLY SHOWS EVIDENCE THAT THEY INVESTIGATED MY CREDIT DISPUTES.

I REQUESTED FOR SUFFICIENT PROOF THAT FCRA PROCEDURES WERE FOLLOWED AND PROPER STEPS WERE TAKEN TO VERIFY THE DISPUTES AS ACCURATE.

I HAVE REQUESTED FOR THESE METHOD OF VERIFICATION SINCE XX/XX/2021.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  XXXX for the amount of {$780.00} reporting on my credit. This is a fraudulent account and I did a FTC report. Please review and remove this account as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I have written 3 dispute letters to Equifax about an unverifiable account on my credit report. The first letter was in XXXX of XXXX, followed up in XXXX of XXXX, and in XXXX of XXXX. 
After 3 months of no response from them, it is still on my credit report. There is no creditor or collection agency listed for me to try to validate this account. It is absurd that Equifax has even placed this unverifiable account on my report.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 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 creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX {$7600.00} XXXX XXXX XXXX {$21000.00} XXXX {$0.00}
Complaint sub-issue: Debt is not yours

Received a letter I owe XXXX XXXX XXXX XXXX Tele Check Services , inc {XXXX} The Collection company is TRS Recovery Services. 

I am XXXX and haver never owned a tractor and live in an apt . 

TRS Transaction # XXXX Reference Number # XXXX They keep asking for my personal information SS # & Bank Information
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 transunion 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 XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Lender trying to repossess or disable the vehicle

Starting on XX/XX/XXXX I have been getting calls from veros credit about a auto loan my mom has. I have repeatedly told them do not call me I have nothing to do with my mother she lives in a different city than me. They call 5 times a day harassing me saying they are reporting my mothers car stolen. Then as of yesterday XX/XX/XXXX they have been using different sheriffs offices phone numbers. They have used XXXX XXXX, XXXX and XXXX sheriffs department numbers so far. The creditors name is XXXX XXXX from Veros credit. One of her many numbers is XXXX.
Complaint sub-issue: Didn't receive services that were advertised

On or around XXXX, I saw a lot of preapprovals on Credit Karma . At first, I didn't pay it any attention but Credit Karma kept sending me all sorts of different preapprovals informing me that I was preapproved for credit cards, personal loans, and that I can refinance my car. Everyday I would see these offers every time I logged in to check my credit score. After a few months of being told that I was preapproved, I thought I was now in the perfect place to apply. I got so many offers through Credit Karma, I started telling my family about investments and vacations we were going to use to these preapprovals for. I finally applied on or around some time in XXXX  and I got denied for 2 credit cards, and a 3 personal loans. I was destroyed! I was very angry and I felt deceived. I was marketed to for months telling me I was preapproved. THIS WAS A LIE! I was severely stressed out! I was nauseous for weeks! I also had XXXX XXXX  so bad that I became XXXX My XXXX  went from 0 to 100 and was uncontrollable. Now, every time I see preapprovals I immediately close my phone and shut my computer off. This has mad me so uneasy and XXXX  that I have not checked my credit as frequently as I should.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXXXXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE im XXXX  now
Complaint sub-issue: Public record information inaccurate

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Complaint sub-issue: Old information reappears or never goes away

Mohela is my loan servicer. I'm in the middle of a PSLF application and a consolidation. I have had my loans in forbearance and deferment. One day ago, I noticed my credit score dropped XXXX points because Mohela mistakenly did not apply my forbearance and deferment. I'm not quite sure what happened. When I try to call them, I am on the phone hours at a time and I'm always transferred to a supervisor or account resolution specialist that does not exist. I have been on the phone waiting for someone for two- and three-hour intervals listening to their awful music. I can't believe that this is how a company operates. It is unbelievable that the person I need to resolve this situation is hours away. I want to speak to someone to solve my problem. These companies buy and sell my debt like it's some kind of asset for them. They can destroy your credit and create a situation where you can lose your job if you have security clearance. It is one of the worst customer service situations I have ever had to deal with. I want to speak with a customer service person who can correct my credit report without having to wait four hours on hold. No one is that busy, but I do believe they very inept and in charge of more than they can handle.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Was not notified of investigation status or results

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.