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

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I contacted XXXX, spoke with XXXX XXXX ( Special Handling Supervisor ) to dispute the three US Bankruptcy items on my credit report. I asked XXXX to verify and validate where he received his information about the US Bankruptcy files. XXXX stated, " we verified this information straight from the US Bankruptcy courts. I then asked if he could send me a letter validating the information in regards to the US Bankruptcy items on my credit report. XXXX  stated, : I would need a subpoena to validate that information. I then advised XXXX, that I contacted the courts whom stated they do not give out any information pertaining to any bankruptcy cases. I then asked to speak with his supervisor. I spoke with XXXX XXXX  whom stated, " they verified this information with a third party vendor and then turned around an stated that they verified this information straight from the courts. I submitted XXXX letter asking for this information to be validated and a letter sent out.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX  sent debt validation to XXXX XXXX  on XX/XX/XXXX on my behalf. The company responded on XX/XX/XXXX with a letter asking me to provide basic information about me. ( Document attached ). I have sent letters with attached documents and nothing has Beem done to remove this account.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting a Chapter XXXX Bankruptcy on my credit report. They are claiming the bankruptcy to be " verified '' and therefore will not remove it. I have a letter from the United States Bankruptcy XXXX XXXX XXXX Oregon 's Chief Deputy Clerk, stating, " XXXX XXXX, The Bankruptcy XXXX does not report to the credit reporting agencies and has no control over the credit reporting agencies. '' ( see attached docs ) I have a security freeze and an opt-out/suppression in place with XXXX XXXX ( see attached docs ) which legally forbids them from reporting any of my information to all XXXX Credit Bureau Reporting Agencies, and any other third party Agencies/Creditors. I also attached Security Freeze & Opt-out Suppression Documents from XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, & XXXX. Please instruct Equifax to remove the XXXX XXXX Bankruptcy, Case or ID # XXXX, Date Filed XX/XX/XXXX, Date Verified XX/XX/XXXX, Date Reported XX/XX/XXXX, Current Disposition Date XX/XX/XXXX ; as this information/item is inaccurate, unverifiable or unfair as per FCRA Section XXXX ( a ) ( XXXX ) ( A ). 
Thank you.
Complaint sub-issue: Reporting company used your report improperly

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  account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX Bankruptcy account # XXXX These accounts have 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reinserted previously deleted info

Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX XXXX, 2017, an unauthorized 3rd party support company ( XXXX  ) displayed a popup window on XXXX website, as I tried to activate a new XXXX device. It said " error- call support at ( XXXX XXXX  number ) ''. A XXXX rep with a strong XXXX accent told me ( fraudulently ) that XXXX is authorized by XXXX to activate my XXXX device. She said I 'd have to e-sign a contract before they could activate it, and it would cost {$99.00}. I protested, but wanted the device functional, so esigned. On XXXX XXXX I called XXXX support. They told me XXXX is a scammer, that no activation fee should be charged, and XXXX has no affiliation with XXXX. On XXXX XXXX to XXXX XXXX, I opened a billing dispute with citi cards, my credit card company, to dispute the charge. I reported the above incident to citi dispute center. After several weeks, citi decided to pay XXXX the {$99.00} fee. I am still arguing with citi dispute center that it was adequately proven to be a 3rd party unauthorized support scam, and they should not have decided to pay the {$99.00} charge to XXXX. Citi dispute center, 4 weeks after XXXX XXXX, asked me to obtain a cancellation of the contract with XXXX. I requested that from XXXX, but they refused to cancel the contract.
Complaint sub-issue: Was not notified of investigation status or results

According to

the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. Equifax is reporting inaccurate information with these accounts and not giving out proof of verification. XXXX/XXXX  XXXX   XXXX XXXX I filed a dispute 3 months ago regarding this inaccurate information on my credit report however, Equifax is not doing their investigation. I have not received any verification for these accounts. They are reporting inaccurate Dates and Balances. I have been sending them letters, but I never received any responses from them.
Complaint sub-issue: Debt is not mine

XXXX is saying no is no past due balance on my account
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The only thing I could think of this being about is a used truck I had about 10 years ago and that case I let them have the truck back on the lemon law cause it never ran right and I was always spending money to fix it I can't even remember the name of the used lot I got it from and that used lot isn't even in business anymore. I think this is just a greedy collection agencies that founds people old depts and try to make money off them. If they can show me proof where I sign any contract with them then I will pay them.
Complaint sub-issue: Unable to open an account

I applied online XX/XX/21 to Investors Bank XXXX XXXX XXXX XXXX XXXX, NJ XXXX for a XXXX XXXX XXXX XXXX based on an offer they made me. On XX/XX/21 at XXXX Reference Code is : XXXX they told me I was turned down and would have to wait on a letter in the mail in about XXXX days for the reason which I never received. I followed and messaged them about XX/XX/21 and received no reply to date.
Complaint sub-issue: Information belongs to someone else

I have inquiries on my credit report I never applied or signed my signature for on Equifax and XXXX  Equifax fraudulent inquiries and dates are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fraudulent inquiries and dates are : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I would like removed from my report
Complaint sub-issue: Information is not mine

On XXXX/XXXX/XXXX I received an alert from XXXX advising that my information was being sold on the blackmarket. I also received notification of inquiries being made on my XXXX and Equifax reports. XXXX quickly added a Fraud alert and advised that they would notify the other credit reporting agencies and research the inquiry. They removed the inquiry within 2 days. I contacted Equifax and disputed the credit inquiry ( XXXX XXXX ) on that report. On XXXX XXXX, XXXX I received a letter from Equifax stating " The results are : Inquiries are a factual record of file access ''. 
In summary : I DO NOT believe Equifax investigated the inquiry on my credit report. I believe that I received a blanket response. I do not know or understand what my recourse is here. Equifax continues to allow inquiries of my credit information with out my consent. There have been several inquiries over the last six months. Also, I am attaching their response. On page XXXX ( Research Request form ) ... the address portion of the form is pre filled and has a previous address of : XXXX , TX XXXX. I have neither lived there, nor have any knowledge of that address.
Complaint sub-issue: Can't temporarily delay making payments

they refuse to give me a collection forbearance until my consolidation loans go through
Complaint sub-issue: Debt was result of identity theft

The attorney of record for the plaintiff XXXX XXXX XXXX XXXX of Ragan & Ragan falsely mislead and misrepresented himself and his client XXXX XXXX XXXX as having a lawful contract/agreement with me pursuant to 15 USC 1692e . In addition Attorney XXXX XXXX XXXX, XXXX of Ragan & Ragan furnished to the clerk court deceptive forms pursuant to 15 USC 1692j and place a false claim in order to have the court grant a default judgment against me. 

Attorney XXXX XXXX XXXX, XXXX either knew 1st hand the contract he presented to the court clearly showed the contract had an Arbitration clause and was covered under The Federal Arbitration Act or he being a licensed bar card attorney should had known he was violating the law by misleading the court into believing it had jurisdiction when it lawfully did not. In dishonor and with unclean hands attorney XXXX XXXX XXXX XXXX or his law firm purposely withheld sharing the case had an Arbitration clause, he did not share that information with the clerk court and placed a claim he knew the court did not have jurisdiction over.
Complaint sub-issue: Didn't receive advertised or promotional terms

In XX/XX/XXXX, I walked to the Key bank branch located at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, I asked the employee at the bank to send me the convenient checks from my master credit card to me, I specified that I could like the free interest for a curtain time and 3 % fee upfront ones. I did receive few packs checks from Key bank ; they even printed the " 0 % interest '' on the envelop of at least two of the packs. I cashed the check around XXXX. I noticed there were interests charged beside the 3 % fee to the account after I received the credit card statement posted online in late XXXX, so I went to the same branch. The branch manager suggested I pay the card for the amount indicated on XXXX statement, and he didn't know how much the interests the credit card charged me, he could want to wait the XXXX statement to figure them out, so he scheduled an appointment with me to talk to him again on XX/XX/XXXX. So, I paid {$380.00} as shown on the statement. I met the manager on XXXX, he checked the second statement. His suggestion was to use other checks the bank send to me to pay the first check I wrote, and to get another loan from bank. In total I will pay bank 6 % upfront fee and the high interests bank already charged me, I didn't ask anything like that. So, as of today, I managed to pay all the money I got from bank, I paid {$380.00} in XXXX, I paid rest by check, wire transfer, cash, total {$23000.00}. Together all the money from back, {$24000.00}, was returned back to bank as of XX/XX/XXXX. The fee {$720.00}, the interests bank charged me in XXXX and XXXX, XXXX, {$130.00}, {$5.00}, {$290.00}, {$14.00}, total, {$1100.00}, I will not pay any of those. The bank sends wrong products not as they advised to me, and I never asked the product, so I just returned the wrong product back to them. And I will not pay any interests or fees in the future on this matter.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Spoke with Equifax about my XXXX XXXX credit card not being reported correctly. They merge a old card with a new card. So it's states current but the status states the account is closed. Told me to call XXXX XXXX  credit car company and they re-reported the information and Equifax never made the change to my report
Complaint sub-issue: Information is not mine

The credit reporting company posted a debt to my credit report, that is not mines. The company did not even give me a letter about debt prior to posting to credit report. 

Letter dated XX/XX/XXXX but posted on my credit report on XX/XX/XXXX. I plan on suing this company as well. 

I have also filed a complaint with the Attorney General of Florida. 

The Fair Credit Billing Act ( FCBA ) provides guidelines for both consumers and creditors including procedures to manage disputes regarding billing statements. In addition, any interest accrued on the billing error has to be dropped if your claim is confirmed.
Complaint sub-issue: Information belongs to someone else

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Debt was result of identity theft

Just received this email!  the password that they used is the same one I used ONLY to get into my discover accounts!!!!

On Wednesday, XXXX XXXX, 2017 XXXX XXXX, XXXX XXXX  wrote:
 
 
Hello XXXX XXXX,
 
You (or someone else) has just registered an account on XXXX XXXX XXXX. We are checking the validity of all email addresses to avoid that customers pay for services and finally don't get their confirmation emails with the access data.
 
Clicking on the link below will activate the account and you will be able to resume the signup process:
XXXX
 
username: XXXX
password: Using the pass word that I used to get onto their site to pay my bill!
 
--
Best Regards,
Customer Support team
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/20. I spoke with 3 representatives at equifax to dispute a bankruptcy and multiple inquiries on my account which ones were from duplicate companies that I kept receiving notifications. I spoke with XXXX, whe told me that they were not allowed to give their employee ID I asked to speak to someone over her and then she notified she can get me over to another department to request a removal and then transferred me to XXXX, employee Id XXXX is what she gave me. I explained the situation to her and she wasnt much help, I asked her if she was aware of section 609 of the fair credit reporting act that states that courts do not have jurisdiction over credit reporting agencies and they do not report to the credit bureaus. So I asked her how was this information reporting if the courts did not report it. She hung up on me. I spoke with another rep which I did not receive his name at about XXXX XXXX XXXX. I asked him about the duplicate inquiries in which he told me that there was nothing he could do to remove them and that I would have to call each company individually to inquire about them I asked again to speak with a supervisor he put me on hold and 10 minutes later the prompter told me to press 1 again. The process started all over again. It has been a huge hassle dealing with Equifax for they dont even investigate as they're suppose to and they allow whatever on your report to sit there and do nothing about it. I feel my rights have been violated and I have taken every step to dispute the matter so here I am filing this complaint. Equifax does not care about the laws that govern their agency.
Complaint sub-issue: Their investigation did not fix an error on your report

Submitted dispute stating XXXX XXXX XXXX account on my report not showing current balance of XXXX  and account being closed/transferred to another servicer with XXXX, XXXX, XXXX Equifax. All disputes were submitted on/around XX/XX/XXXX and XX/XX/2022. On XX/XX/2022 received dispute results stating all information was verified. There was no change to the account balance or account status. Additionally XXXX XXXX has an announcement on their website that they are no longer servicing federal student loans. My federal loans were all transferred to XXXX on XX/XX/2022 which are currently showing on my credit reports.
Complaint sub-issue: Reporting company used your report improperly

The is not Filed by a Credit Repair company and this not filed by 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX  has violated my rights according to 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 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXme : USDOE/XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

Equifax dropped my score XXXX points from XXXX accounts that was opened in 2020. These accounts ware reported opened in 2020 when they were originally opened and has since been on my credit in good standing and has reported every month since 2020! These accounts should NOT have affected my score unless they were in bad standing! I feel as though Equifax is targeting my credit from my previous complaint!
Complaint sub-issue: Problem during payment process

I have a loan with SEARS/CBNA. 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 stellar payment record with this company. I tried contacting both XXXX, XXXX   and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2018.