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

Good Morning! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
XXXX and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # 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
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 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Didn't receive enough information to verify debt

This collection agency was disputed via credit bureau which notified me that the collection was valid. I have not received any verification of the validity of this collection from the collection agency.
Complaint sub-issue: Debt was result of identity theft

In early XXXX I found out that a fraudulent account for Discover card had been opened under my personal information. I tried working it out with the bank but they did not believe that my account was fraudulent. Discover claimed that I had transferred my credit to XXXX XXXX XXXX, something that had never happened ( even fraudulently ) because when I talked to severa XXXX XXXX XXXX representatives there are no existing account under my information. I appealed to the credit bureaus : XXXX and XXXX who had told me that they will open a dispute with Discover. I received confirmation in late XXXX from XXXX and XXXX stating that the case has been successfully resolved ; Discover had removed me from their end ; it was also removed from my credit report and I received a new credit report stating that my Discover card is now closed. However about two weeks ago I received repeated phone calls from Discover asking me to pay " debt '' and that my card was never closed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account and Account # 's DEPT OF ED / XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # 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: Reporting company used your report improperly

Equifax mishandled my sensitive personal information, putting me and hundreds of thousands of other Americans at risk of having our identities stolen. I am listed as a potential victim of their security breach on their website http : //www.equifaxsecurity2017.com.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX I tried to explain to them that XXXX I was a victim of identity theft due XXXX data breach and had no knowledge of this account. They continued to report it even after repeated attempts to resolve the matter. As per the Fair debt reporting act, they are not allowed to report stolen or incorrect information that can potentially harm my credit. 

According to 15 U.S. Code 1681b They do not have a Permissible purpose to continue to report unverified information that compromises my identity by reporting inaccurate information on my credit consumer profile. I have reached out to them as well as, send them letters and they continue to ignore my attempts to Block the information. 
XXXX continues to violate the law. The law clearly states that. I went ahead and file a complaint with FTC as well. The Attorney General and XXXX.
Complaint sub-issue: Information belongs to someone else

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. 

I sent my letter off on XX/XX/2022 & XX/XX/2022. I told the credit bureaus to investigate each of these accounts and to remove from my credit report on the accounts I have listed below. Also, I have attached the letters I sent out and here is the Tracking # XXXX # XXXX # XXXX. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 whom he is acquainted or who may have knowledge concerning any such items of information. 

These items found within my credit report are not related to any transactions that I have 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 this account. This debt collector is in violation for putting these unknown accounts on my credit report.This is causing me to suffer repeatedly and its defamation of my character. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. Furthermore according to 15 U.S. Code 1681c-2 these fraudulent accounts should have been blocked within 4 business days. 


Accounts XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX
Complaint sub-issue: Debt was paid

I.C.System Inc is a debt collector. As was the last two companies, this already paid debt to XXXX XXXX. What these companies are doing is passing along this false debt to the next company to see if they can collect. In the mean while, they put a negative strike on your credit report and after you've contacted XXXX XXXX, the debt collector and CFPB to get this removed. They pass this false claim onto the next debt collection company and the process begins over again. This has to be stopped, because it's not debt collection... it's a scam!!
Complaint sub-issue: Information belongs to someone else

I'm filling this report because, I check my credit and notice so many fraudulent Activity on my credit it seem like whoever stolen my Identity was out of control. they was running my credit with so many different major Companies. I would like to put a fraud alert on my Credit. these Accounts that's on this report I did not authorize these Accounts needs to be off my credit. 
thank you
Complaint sub-issue: Information belongs to someone else

Equifax is reporting 6 fraudulent accounts on my credit report 1st one reporting from XX/XX/XXXX is XXXX XXXX  2nd one reporting is XXXX  XXXX  XXXX  from XX/XX/XXXX 3rd one reporting is credit first from XX/XX/XXXX 4th one reporting is XXXX  XXXX  from XX/XX/XXXX also XXXX XXXX XXXX reporting a balance of {$12000.00} these have wrong payment historys and wrong address on them not my accounts no signed contracts for any of these accounts and a XXXX XXXX  account reporting a balance of {$8900.00} none of these accounts have my address in it or signed contract please remove or I will sue for Incorrect reporting as my rights are being violated I will sue as I have the right giving to me by the fcra Equifax will provide documentation showing me what proof they have to report these accounts also XXXX XXXX  loan sr reporting a balance of {$22000.00} please show me a signed contract between this merchant and I the proof you have to report this and other accounts also there 6 inquiries that are fraudulent XXXX XXXX  XXXX XXXX XXXX from XX/XX/XXXX also XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX also thd XXXX XX/XX/XXXX also XXXX XXXX from XX/XX/XXXX also XXXX XXXX XXXX from XX/XX/XXXX also XXXX XXXX from XX/XX/XXXX Equifax is required by proof to show me proof of the documents they have to report these accounts why they are reporting or remove these accounts if they cant verify it no e Oscar I demand a proper investigation and if these Erroneous items arent removed I will sue Equifax for incorrect reporting under the fcra
Complaint sub-issue: Account information incorrect

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax has suffered a data breach which has the potential to severely impact me. They were negligent in protecting my data.
Complaint sub-issue: Information belongs to someone else

I've been disputing this account for over a year, I only had an account with this company that Equifax is reporting in XXXX and XXXX, both of the loans were paid off. 

I see that they reported a charge off from XXXX or so which absolutely doesn't make sense. I keep asking them to provide the method for their verification so I may sue Equifax if need me. I have no memory at all about this alleged account. 

I did go to the police to report this a couple of months ago and due to the fact that I do not have absolutely any memory I am asking for a real investigation.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown information on my credit reports.It has been 60 days and I have not received and type of response from the credit bureaus. I feel as if Im being taken advantage of and my disputes are being ignored by the credit agencies. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this time is has currently been over 60 days and these items should be immediately removed and deleted promptly per section 611 ( a ). I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused by this matter. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Didn't receive enough information to verify debt

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX phone : ( XXXX ) XXXX Date opened : XX/XX/2016 Balance {$410.00} I did not receive anything in writing which explained who the debt is with/cause of debt and rights to dispute.
Complaint sub-issue: Can't use card to make purchases

US Bank charged me annual fee for the card and then closed the card after 2 months. 

US Bank refuses to contact me and verify my identity. 

US Bank refuses to receive faxes from me. 

US Bank charged me money for annual fee and didn't provide benefits that I paid for ( upgrade coupons, 20 % purchase discount )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Personal information incorrect

Per the attached letter, I have been contacting Equifax by mail, phone, and online to remove a consumer statement- to no avail. I even tried to have it change to no avail. I simply want the consumer statement removed.
Complaint sub-issue: Investigation took more than 30 days

The complaint is against equifax for not properly notifying me with in 30 days on two separate complaints.

See pdfs for verification. 
One submitted in 4 dintvrecieve response untill 6 And another submitted on early 6 not revieving a response untill XX/XX/24 You details you will have to look at supporting documents. This complaint us against Equifax, not the companies which initiated the disputes. 

When directly communicated with equifax they say thier system shows a response from the companies with in 30days, but the documentation in pdf format shows that they failed to notify me with in 30days.,  they refuse to admit fault even when presented with the evidence of the pdf. The complaints came through the cfpb, responses should be returned via the cfpb so that is trackable by and independent third party, and not he said she. 

I am specifically not mentioning the names of the companies, because if I do equifax with despite the validity of the accounts reguardless of what my note says or the menus options pressed before this page. They are not handling complaints as requested by users. 

This is a complaint against Equifax for not updating me within 30 days of the initiation of an investigation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : 1. XXXX XXXX XXXX *Account # XXXX 2. XXXX XXXX  *Account # XXXX 3. XXXX XXXX *Account # XXXX 4. XXXX XXXX XXXX  *Account # XXXX 5. XXXX XXXX *Account # XXXX 6. XXXX XXXX *Account # XXXX 7. XXXX XXXX  *Account # XXXX 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: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is reporting that I am 30 days late for XX/XX/2018. I have never been 30 days late ever. I reported a dispute thru the credit agencies and it came back with no change. I then contacted XXXX XXXX XXXX and the representative said that they were very busy and would review my account and get back to me. I asked to have my payment history sent to me with a letter stating never 30 days late and they refused. They said to just file another dispute with the credit agencies and they would get to it when it was in for review. So I did submit another dispute and they still have not updated it. I have never been 30 days late. This is unacceptable and it is a defamation of character.
Complaint sub-issue: Can't close your account

Total Card issued by XXXX Bank I closed the account XXXX week ago XXXX balance confirmed with XXXX XXXX Account remained open and subsequently charged a monthly service fee Still have not closed the account
Complaint sub-issue: Trouble with how payments are being handled

It is known that there is a PANDEMIC and that the US Government passed at least two laws regarding the pandemic and offering assistance due to what is happening. Besides this the student loan company proceeded debiting my account that did not hace funds available and was charged a fee due to that. 

Also I timely requested forbearance of this student loan and all though the forbearance was filed via email AND uploaded to the companies website, they continued to debit my account against the law.