Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 card company isn't resolving a dispute about a purchase on your statement

My son has been partaking in the after school program with XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX, Georgia during the second half of this school year. A couple weeks into his enrollment, he began describing incidents of XXXX XXXX  by other kids at the center that weren't being addressed by the staff. This eventually resulted in my son XXXX XXXX assaulted on the bus to this program and continued as XXXX XXXX  by other kids at the center itself. When I brought up these issues with the staff, I was met with hostility from the CEO and when I asked to just be refund refunded for the {$50.00} we had prepaid for the upcoming month of service that had not begun yet I was told they don't do refunds and was physically removed from the property. I disputed this charge with discover, as I made the payment with this card, but my claim has been denied based upon what is in my opinion an unfair policy. I hope to get this resolved as I do not feel it is right that I have paid for a service I never received and am unable to redeem at a different location.
Complaint sub-issue: Debt is not yours

There is a collection agency called IQ Data that is on my consumer reports ( XXXX, XXXX, XXXX ) that i have no knowledge of and they are violating my consumer rights. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. IQ Data has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/ 2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c.

This company is claiming that I owe an alleged debt that I have no knowledge about. Notice the term " Debt '' means an alleged debt. So I am asking that you prove to me that I owe your company and alleged debt and I have done business with you. The Fair Credit Reporting Act states that a consumer report is any Written, Oral, or communication of any information by a consumer reporting agency. This means a consumer report is essentially the communication of information regarding a consumer. Since this is being reported on my consumer report you are communicating and I am demanding you cease all forms of communication through any medium. This included mediums such as 1. Telephone 2. Letter in the mail 3. Social Media 4. Email 5 Consumer report I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly
Complaint sub-issue: Information belongs to someone else

ion know who open these accounts I have to figure out who did this to me! I am sick to my stomach and I need your help outting these companies. they have messed up my reports and I'm ready to buy a house. My loan officer told me to make a report so here I am.
Complaint sub-issue: Problem with customer service

A Citibank representative threatened to report my credit card account as delinquent because of a recent fraudulent charge that is still under investigation. 

Citibank is currently investigating a fraudulent charge on my credit card account. The card was cancelled and re-issued at the time the fraud was reported. I have the new cards, as it's been several weeks. 

The Citibank website and telephone system both report a balance ( consisting of the fraudulent charge and its associated foreign transaction fee ) and also that no payment is due. There are no other current transactions on this account besides the fraudulent one. My usual payment due date is still several days away. 

Citibank has not credited the fraudulent amount to my account, nor sent the promised letter so I can provide information for the investigation. On XX/XX/2019, I called customer service, was transferred to the Citibank Security Investigation department, and spoke to representative XXXX. 

This representative asked some questions about the fraudulent transaction, and then pressured me to make a payment on the account while the investigation was pending ( up to two billing cycles. ) I said several times that I would not make any payment because the only transaction is the fraudulent one. 

She said that if I chose not to make at least the minimum payment before my payment due date, Citibank would report my account to the credit bureaus as delinquent and ruin my credit history.
Complaint sub-issue: Information belongs to someone else

I have already notified the credit bureaus of my issue with identity theft. I have never had a XXXX account in my life and I don't know why it is reporting on my account. This is a fraudulent account and should be deleted from my credit reports immediately. I was under the impression that credit bureaus could only report 100 % verifiable and accurate information. 

I am 100 % sure that this is an inaccurate account because I have never been to a XXXX store or their website. 

My information was also compromised in the Equifax data breach. I don't know has their hands on my information.
Complaint sub-issue: Old information reappears or never goes away

Equifax continues to report inaccurate information on my credit report and refuses to update the information that is now being reported on my Credit Report. As a result Equifax has also reported and refuses to update my correct and current Credit Score. My credit report has not changed and has not been accurately updated since XX/XX/2019. My Credit Score Score today XX/XX/2019 is still the same as it was on XX/XX/2019 even though I have two new creditors now reporting on my credit report. I have no debt to Credit Card Creditors as I have paid off all of my credit card balances. I called and was transferred to 9 different Representatives today while attempting to correct the information on my Credit Report. When I called to speak to an Equifax Representative  each time they all said that they could not help me and transferred me to various other departments. All of those representative attempted to blame me and said that I only have an myEquifax account not a paid service and that I can only see a my credit report two times a year for free. All of the Equifax Representatives refused to provide me with my current credit score stating that they needed to transfer me to another department. They all said that I have to pay to see my Credit Report with my accurate score and information and that they could not help me and transferred me to another person, hung up me or gave me another number to call! This is not acceptable as I am being verbally abused and harassed by the staff at Equifax while they continue to  provide false and inaccurate information on my Credit Report. Equifax staff are also refusing to correct the information on my credit report and refuse to provide me with my current credit score.
Complaint sub-issue: Information belongs to someone else

Due to malpractice by your company I'm being taking advantage of completely ... ..according to the fcra... this has made my life stressful financially and this is also deformation to character... I've been unable to obtain any new credit because of this
Complaint sub-issue: Public record information inaccurate

Reason I am disputing this account is because I have never lived at XXXX XXXX XXXX XXXX. I asked for documents associated with my full social security number and the Bankruptcy documents showing that I am the rightful owner of this account. Without this information LexisNexis in volition of my rights and I am in the process of filing suit. Again my address is XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. I have never resided at XXXX XXXX XXXX XXXX and I have not filed for any bankruptcies. Please remove all inaccurate information. I have sent a copy of my driver 's license and a dispute asking that all of this information be verified correctly. The information that was sent back to me was nothing proving that this information is correct and from a original source.
Complaint sub-issue: Frequent or repeated calls

My parents have been receiving a call repeatedly from XXXX. They weren't answering it, because they usually are wary of picking up the phone for unknown callers. My mom picked it up just the other day to see if it was important and to see why they kept calling. The woman on the phone said she wanted to speak to me ( I have gotten married in the last year, and I am no longer living with my parents ). My mom asked why she wanted to speak to me, and the woman just said, " It's a private, personal matter. '' She didn't say anything else. My mom said I wasn't available, and then the woman hung up. My mom told me, so I looked up the number, and it is associated with the National Recovery Agency, a debt collection agency. My husband and I are on top of our finances, have excellent credit scores, and we have paid off my student loans and our car loans. We pay our bills and our mortgage on time, so I have no outstanding debt. These calls sound like an attempt to get money out of me that I do not owe.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I see and hard inquiry on my credit report that I don't know anything about from Conn 's appliances Inc phone number is XXXX their address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Texas it happened on XX/XX/202XXXX XXXX
Complaint sub-issue: Information belongs to someone else

According to Federal Law 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( 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.

I have submitted all above information to Equifax due to the occurrence of identity theft on my consumer report, They did not remove the inquires I attached in my letter within 4 days. 

I have attached all documents that I included in the correspondence to them. 

I am a consumer and I deserve to be treated as such, that being said Equifax is in violation of the above sated Federal Law.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The company is not bonded in the state of texas to collect debt.
Complaint sub-issue: Reporting company used your report improperly

You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, my general good mode of living my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ).

Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to Pacific Concrete Federal Credit U. v. Kauanoe, 614 P.2d 936 ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNTS FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15 USC 1692k, {$1000.00} per each violation you have incurred. XXXX XXXX Last 4 of SSN : XXXX Copy of DL Copy of Address Copy of FTC report
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made on XX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXXxxxx XXXX/XXXX/XXXX XXXX XXXXxxxx XXXX/ XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX   XXXXxxxx XXXX/XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX/XXXX XXXX XXXXxxxx XXXX/XXXX XXXX   XXXX XXXX XXXX XXXXxxxx XXXX/XXXX  XXXXxxxx
Complaint sub-issue: Account status incorrect

I have been paying child support for years and my account has been reflecting that I am not paying my child support. I pay my child support directly at the XXXX XXXX Juvenile Court house each pay date and The State of Louisiana Department of Children and Family Services, reports on my credit report that no payments have been made. This has been going on years now and has caused me major financial hardship. I have been unable to get a fair credit card, get a drivers license or purchase a home. Because they are reporting that I am not making my payments. I have contacted the parties involved for years now and they are unwilling to help correct the matter. I have attached my last 54 payments and I also have the receipts for the current month as well. These receipts come directly from the court clery. 

I have exhausted all avenues trying to get assistance with this matter and in my research, I found that it is my right by law to have this account, completely deleted from my credit report and never to be reported again, due to the errors in the reporting of this account. This legal right is granted by the FCRA and I would like to enforce this right as I have been harmed for years now, with no assistance is correcting this matter. 

I attached my last few payment receipts, I have last months receipts as well as the last 54 payments, I tried to attach them but your system won't allow me attach the file because it was over 10 MB. So I just attached a few, but can provide all of them for you, without a problem.
Complaint sub-issue: Their investigation did not fix an error on your report

There is an account on my credit report that does not belong to me. I have contacted the credit reporting agencies multiple times via certified mail, online dispute, & dispute with a live agent. The account in question is for {$1500.00} from XXXX XXXX. All I keep getting back is verified account by all 3 credit bureaus without any proper documentation of verification. I have called the reporting company in question and they promise to show me proof that the account belongs to me but have not done so in the last year. XXXX XXXX even told me the system they use verifies my data and that's how the account is verified with no actual work done or paperwork show to prove that it belongs to me. I have even been ignored and hung up on my credit reporting agencies employees.
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 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 homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Account information incorrect

*3RD REQUEST* Equifax is not properly reviewing accounts on my report. They are illegally reporting accounts that are closed with a balance every month with interest. I have disputed several times and they have sent out stall letters and also told me I can not dispute accounts anymore. I am preparing for a lawsuit against them. They are in direct violation of my rights as a consumer. According to FCRA 91-566 Title VI, Section 611, selection A-D. 
Reporting inaccurate information every month on C/O and consistently reporting balances to closed accounts every month and reflecting a {$0.00} balance after accounts have been sold, is against the LAW! I have tried to be nice, but they leave me no choice but to sue them. I have every stall letter, every letter where they stated they verified but NEVER provided or acknowledged my request of Method of Validation my request was ignored. They are in non-compliance and not following XXXX XXXX and XXXX XXXX rules. 

Accounts in questioned are : Total Visa The XXXX XXXX XXXX  XXXX Services
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ; 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have my 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 without my written instructions.