Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

Equifax after reporting illegally and wrongly is engaged with lenders, creditors, and subscribers for the specific purpose of enriching their own bottom line, regardless of the accuracy of the reports. 
I requested a investigation letter dated to me XXXX XXXX, XXXX, disputing items on my current credit report. 
1. XXXX XXXX, informed Equifax that the creditor had issued a debt forgiveness form, ignored, stated that they verified the account, the real problem with the statement that they verified the account is the lender who address they list is n't there anymore, and upon my own call, does n't maintain a debt for me any longer. 
2. XXXX XXXX XXXX XXXX, Equifax stated in this letter that they verified this account, this account was sold to XXXX XXXX in XXXX XXXX, and paid directly to them, this account is n't even in Santanders inventory any longer, they lied. 
3, XXXX XXXX XXXX, this account is 12 years old, no activity for 12 years, conversation, payment or other communication, it is as statue past the reporting period but illegally being reaged by the lender, and conspiracy by equifax. In their defense they say it could be seven year from last activity or 10 years from date reported, its been 12 years. 

I am a combat veteran of the United States XXXX, and these illegal reporting is preventing from purchasing my first house, I am also a XXXX XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I submitted complaint # XXXX which included an identity theft report. Persuant to 15 U.S. Code 1681c2 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 appropriate proof of the identity of the consumer. on XXXX XXXX was given proof of the identity theft and has failed to remove the items within 4 days
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX CT XXXX, VA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report.
Complaint sub-issue: Was not notified of investigation status or results

I RECENTLY SENT LETTERS OVER 60 DAYS AGO TO THIS BUREAU AND THEY ARE DISREGARDING A REGULAR CONSUMER DISPUTES. I'M STRESSED AND HAVE BEEN SENDING LETTERS BEFORE THIS AND STILL NO RESPONSE.
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 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 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 im XXXX XXXX  cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Debt was result of identity theft

I just had a collection account show up last month on my credit report that i believe is part of my identity theft case.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX High balance of {$450.00} from XX/XX/XXXX XXXX ; {$500.00} from XX/XX/XXXX XXXX ; {$520.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX High balance of {$1600.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX ( Balance {$370.00}, Balance {$1400.00}, Balance {$490.00}, Balance {$370.00} ), XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX & XXXX  XXXX Balance {$160.00}, XXXX XXXX XXXX XXXX XXXX Balance {$82.00}, XXXX XXXX XXXX IN XXXX Balance {$390.00}, XXXX XXXX XXXX IN XXXX Balance  {$160.00}, XXXX XXXX XXXX XXXX  XXXX XXXX {$160.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$270.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$160.00}, XXXX XXXX XXXX XXXX Balance {$1400.00}, 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: Didn't receive notice of right to dispute

I found a collection account on my credit report from the company ERC as of XX/XX/XXXX. I do not have any debt to this company. I disputed through credit bureau unsuccessfully on XX/XX/XXXX. I do not know why I am getting charge this for {$1900.00}. I didn't not receive any notice nor do I have any proof provide to me that this is a valid debt. now this is jeopardizing my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

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

XXXX XXXX XXXX {$130.00} opened XX/XX/XXXX [ collections ] XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX [ finance/personal ] XXXX XXXX XXXX XXXX {$2000.00} [ closed ] in accordance with the fair credit reporting act XXXX  has violated my rights 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Conns Home Furniture refused to allow a differed arrangement due to Corvid 19 pandemic and insisted that I have to catch up with payment even though I tried to explain to the company on different occasions of my financial struggle due to the Corvid 19. The company representatives that I spoke to on different occasions agreed that I could pay partial payments if I could not pay the whole monthly amount. I had been doing just that as a sign of good faith. But after making such payment, their collection dept keeps calling for more money. They reported to all the credit bureaus that I am 60 days late even though I was making partial payment during the Corvid 19 pandemic that is still raging across the country. As a result of their actions reporting a Negative information to the bureaus, my credit suffers and and I want they to remove the negative remark. I was making partial payment as required by law. The company representative stated to me that the company has nothing to do with the report and that it was the bureaus that reported such. I explained to her that the bureaus do no generate any negative report unless Conns gave it to them.
Complaint sub-issue: Problem with customer service

Good evening- my information was transfered from XXXX XXXX, and is showing in the Mohela site. I had a few issues XXXX XXXX was helping me with along with the ombudsmen team at student aid. My issue is, data is missing from my count, years are missing ( XXXX ) and there are also gaps within the subsequent years. ( post consolidation ) Also, some forbearance was accounted and others not during the PSLF waiver. I was waiting for the fall for the rules of the IDR waiver to apply and all the forbearance/deferment would count. I have sent mohela, emails for assistance with no luck. Cant get a live person on the phone. During those years my servicers was XXXX XXXX. I am not even sure if the DOE had done their final review. Can someone please advise.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Complaint sub-issue: Information belongs to someone else

I have sent out all the other companies that where fraudently used to try and receive credit lines with my stolen identity. I contacted this organization and was immediately treated rudely, shut out, hung up on multiple times and then finally got in touch with a girl who gave me some information which then lead me to where I am at now with knowing who is responsible for the identity theft, I want this company to remove all inquiries and send any and ALL information including the application, any info used by the identity thief to open an account with them, I have reviewed this company and found very shady reports. I need this information not only to fix my credit report and have them remove the inquires but to move on with a criminal case in which I believe is a lot bigger than just me. The company and people ( s ) involved run a business where they take pictures of credit cards and licenses during their " Transactions ''. I want my dignity back, I want my hardly earned credit score back and I want these criminals to be held responsible for their actions. I certainly believe this company has a lot to hide. For now I am concerned with me, I need their inquires removed from my report and any and all information used by " ME '' ( the identity thief pretending to be me ). You guys have been such a big help and I hope you continue to be so because without a lot of evidence these local cops will not get out of their chairs or even look your way. Thank you so much.
Complaint sub-issue: Card opened as result of identity theft or fraud

Applied for a credit card that I never received. Called company to ask about status of card and was told there were unauthorized transactions on the card. Told that account was closed and new card was sent to me but never received card. Neighborhood has had complaints of people stealing mail and packages. Spoke with Discover multiple times told me they would fix the situation only to put me through financial hardship for about two years. This has hurt my chances on getting new credit with fraudulent delinquency on credit report. This has hurt me for two years I havent been able to get a house because of this. Discover opened the account without my consent I wasnt the one who initiated the original activation of the card.
Complaint sub-issue: Account information incorrect

XXXX XXXX # XXXX is reporting a charged off debt to my credit that I do not owe. My car was totaled and GAP insurance is supposed to be paying for it. I have been fighting with them for a while and they have not paid it. The lates and charge off on this account are not my fault and it should not be on my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed inquiries on my credit report on or about XX/XX/18. I did not authorize the companies to make inquiries on my credit file. 

XXXX removed the inquiries promptly. However, XXXX and Equifax did not remove the inquiries. I am attaching the letters I sent to all credit bureaus. 

Please remove the inquiries from both my XXXX  and Equifax accounts.
Complaint sub-issue: Problem with personal statement of dispute

contacted the original creditor for XXXX credit card and told them how the new company was harassing me and telling me they were coming to my job to arrest me. I submitted the complaint online with XXXX XXXX XXXX and was told by XXXX XXXX : Senior specialist that the account was deleted from all reports and that she sent a request for cease and desist for the collection agency. Im still being harassed by collection agencys and i just want this off all 3 of my credit reports please. I will attach conversation between me and XXXX XXXX on XXXX XXXX XXXX which is XX/XX/XXXX case # XXXX. I sent the letter to all 3 credit bureaus and they just updated /verified and i feel like they arent even doing accurate research
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about
Complaint sub-issue: Reporting company used your report improperly

Discover bank In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for any purpose.
Complaint sub-issue: Debt is not mine

The debt is not mine I never had a contract service with XXXX, I had a prepaid service with them that is all.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Has made to derogatory reporting on my report. I called to try and resolve the issue when I was told this I from accounts in XXXX. The account was recently purchased by XXXX XXXX and was reported on XX/XX/XXXX and XX/XX/XXXX as derogatory. I was told the original account was with XXXX XXXX
Complaint sub-issue: Problem getting my free annual report

On XXXX XXXX I attempted to get my credit report online. I do this every 4 months with a different credit agency in order to catch any problem, and was always able to get the information online. Imagine my surprise when I was refused an online report and was told I must submit XXXX forms of id. I did just as they requested and sent the proper forms, copied on XXXX blank page. Today I received a form letter from " Equifax Information Services '' that stated that the forms were not adequate and to send additional forms. I know the forms were proper with one from each category. I believe they are purposely delaying sending the requested information to avoid fulfilling Federal Regulations..
Complaint sub-issue: Personal information incorrect

I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX reports
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased international airline tickets in XXXX for a family trip in XXXX. I purchased XXXX round trip tickets on XXXX through their booking agent XXXX  for approximately {$3600.00}. Covid hit soon afterwards and all the flights were cancelled. I tried to call XXXX and XXXX everyday to see what options were available but their lines were busy with other callers dealing with the tens of thousands of cancellations. When I did get through to XXXX 's customer Service department, they said they do not issue refunds, I would have to speak with the airline. XXXX told me that the booking agent has the money and they have to give the refund. This went back and forth so I contacted Citibank to dispute the charges to keep the merchants from getting the money since the end of the day they did not provide the services I paid for. BTW, attached are references to laws both in America and XXXX that cancelled airline tickets must be refunded. Also XXXX filed for insolvency and there is threat that XXXX may go under as well, so I would never get my money refunded anyway. Citibank after investigating the dispute awarded the charges to the merchant and I am in the process of appealing the decision, so the money is still with Citibank visa.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THI IS NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX