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

XXXX XXXX XXXX, an XXXX XXXX company, is reporting inaccurate information to Equifax. I have disputed this account 5 times in the past 2 months with Equifax ( 4 denied, 1 ongoing ). When I reached out to Equifax to get details as to how their conclusion was reached in each dispute, they advised that it was electronically, they depend on the lender to do the research not themselves and to refer to the dispute results. The dispute results only provide a VA address and a disconnected NE phone number. There is no information as to how the account was verified as mine. I have attempted to reach the lender directly but am referred to a collection agency. This collection agency, XXXX XXXX XXXX, is not listed on my Equifax report as servicing this debt yet has created a new account number and increased the balance owed. Also during the dispute process, Equifax has only updated the creditor from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX  but provided no additional details about the origination of the loan, verify account ownership, nor removed the status as collection. Without account verification, this account has been flagged as fraud. Below are the account details : Lender : XXXX XXXX XXXX Account : XXXX Amount : {$21000.00} with {$11000.00} past due Date Opened : XX/XX/XXXX but no activity reported until XX/XX/XXXX Equifax Status : Collection Account as of XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX I called Equifax to dispute many Inquiries not mine. 19 were removed. A fraud Alert was put on. But these fraud alerts have never notified me when someone has been trying to access my Credit. 

Here is a list since XX/XX/XXXX all from XXXX XXXX. I do not have any credit cards with them And these Hard Inquiries have been showing up weekly and is greatly effecting my credit score and profile and need removing. I have tried numerous times to contact Equifax they are always busy with too long of holds. 
Please remove this accounts. The only Credit Inquiries that are mine on my report for XX/XX/XXXX are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. And XX/XX/XXXX XXXX XXXX XXXX. Anything else should not be on my report before XX/XX/XXXX. 

XX/XX/XXXX XXXXXXXX/XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX. 
Also because of Equifax system I can not do an online or phone dispute because your system does n't recognize me. I have two open dispute on collections not mine Confirm # XXXX and # XXXX but the Equifax system wo n't let me look at these disputes it says it does n't recognize me. 

Equifax has me listed as : XXXX XXXX XXXX XXXX XXXX XXXX Why is it someone can apply for credit with my name yet I can even access my own information. Something is very wrong. No other Credit Bureau I have this issue. 

Thank you
Complaint sub-issue: Reporting company used your report improperly

accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Complaint sub-issue: Information is not mine

An erroneous credit inquiry was associated with my credit report. Because the algorithm that calculates FICO scores relies on the number of inquiries made in the prior 2 years, the erroneous inquiry negatively impacted my FICO score. The inquiry hit my credit report within 3 days of the incident. After faxing the request to remove the erroneous inquiry to Equifax as instructed, I am told it takes 60-90 days for the inquiry to be removed. According to XXXX, whom I worked with on this issue, " That is standard industry practice and there is no alternative. '' In the next 60 days I have to move. The erroneous hit on my credit report and resulting decline in my credit score will cost me money, as the score is used to determine the deposit required on a new apartment. Given the power of the FICO score, it is totally unreasonable for Equifax to take 60-90 days to remove an error when it takes less than a week from an incident for the error to appear. By comparison, it takes only 41 days for Equifax to report its corporate earnings for the entire year to shareholders -- a far more complex task than removing an error from a single individual 's credit report.
Complaint sub-issue: Account information incorrect

This collection account shows an incorrect open date. I did NOT open this account 6 months ago on XX/XX/XXXX, XXXX Who shops for a mattress on XXXX XXXX??? For one, the store was likely not open and secondly this account was opened in XXXX  when my address was XXXX XXXX XXXX, XXXX NY. The transaction was a mattress set purchased from XXXX XXXX on XXXX XXXX in XXXX, NY. All original paperwork would show the actual date. I have NOT spoken to anyone from this firm about this debt, therefore not starting the clock over. 
I have submitted several disputes to XXXX regarding this matter however it appears they have not done their own due diligence regarding this issue as if they had they would have found my claim to be accurate and true.
Complaint sub-issue: Contacted me after I asked not to

They call and ask for my personal information but will not tell me specifically what the call is in reference to beforehand or identify the account or company they are calling on behalf of - sometimes trying to get me to reveal my information in order to find out what the call is about. They sometimes leave messages that they will be taking legal action if I do not contact them by the end of the day. On occasion when I answer the call they make threatening statements and use intimidation tactics in an attempt to instill fear.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt is not mine

XXXX calls me almost daily and refuses to tell me why they are calling unless I divulge/confirm personal information. I do n't know who they are so I 'm not doing anything. 

I did I XXXX search and found out they handle debt collection for XXXX. I had a XXXX account months ago which I cancelled - paid in full. I called XXXX and they confirmed they made a mistake. 

I 've since spoken to EOS and told them what happened and that they can confirm the details with XXXX. They still call me daily. 

I told EOS to remove me from their list and any further calls would be considered harassment. They are also calling my family members whom were not even on the XXXX account.
Complaint sub-issue: Information belongs to someone else

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX XXXX is still reporting this fraudulent information to my Equifax Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DID NOT CONSENT, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING INQUIRIES ATTACHED. REMOVE THEM IMMDIATELY. 

THERE ARE ALSO ADDRESS LISTED THAT ARE NOT CONNECTED T ME AND INCORRECT DOB LISTED ON XXXX WITH XX/XX/1983. 

THE ACCT LISTED BELOW IS NOT MINE : XXXX ACCT # XXXX i HAVE FILED FTC REPORT AND DISPUTED THESE ACCOUNTS NUMEROUS TIMES I HAVE NEVER RECIEVED PROOF OR VALIDATION THEY BELONG TO ME.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am requesting credit inquiry that were unauthorized be removed from my credit report. Description of Disputes inquires : I never Authorized theses : I Demand written verification and documentation that the inquiries actually took place immediately. Proof of my permission for them to pull my credit. You can't verify all of the details, inquiries need to be removed. Validation I am requesting that you remove this information from my credit report. Thank you for your help in this matter. This is a request to remove the following inquiry that were made without my expressed permission : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ( XXXX ) - XXXX  XX/XX/XXXX ( EQUIFAX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) - XXXX XX/XX/XXXX ( XXXX  ) - XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XX/XX/XXXX ( XXXX XXXX - XXXX XX/XX/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 XX/XX/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 XXXXXX/XX/XXXX ( XXXX ) - XXXX XXXXXXXX XX/XX/XXXX ( XXXX ) These inquiries according to the FCRA were not made due to XXXX firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. Nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) WHICH is questionable as well. Under the FCRA, the burden of proof lies on the bureaus you are the one allowing fraudulent information to report on my credit report. HOW DID YOU Verify? Please send me a description of the procedures used in your investigation. Thank you for following the ethical standards set by the FCRA and removing these inquiries.
Complaint sub-issue: Debt was paid

IC Systems has been reporting an account for XXXX XXXX. I had paid my XXXX bill the XXXX took over never signed a contract with XXXX XXXX. Could not pay my bill only in person once it was late and I was in South Carolina and Storage Unit was in XXXX. Could never get a hold of anyone to pay. Ended up selling unit in XXXX and are trying to charge me storage rent when I never signed a contract with them and I do not owe what they say I do. IC Systems can never get anyone to answer the phone the website always says its being updated. So cant get a hold of anyone to correct the error
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} EQUIFAX : XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$51.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$88.00}
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX  XXXX  Original creditor XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Reporting company used your report improperly

There was a data breach in which over confidential information from over XXXX XXXX XXXX was breached and is likely now public knowledge. This includes social security numbers, addresses, telephone number, and other information that could be use to steal one 's identity. I have placed a 90 day fraud alert from all three credit bureaus. I was able to access my reports from XXXX and XXXX, but the Equifax webpage kicked me out and I was unable to access the report. Although there was no fraudulent activity on the XXXX reports I was able to load, it can not be guaranteed that my identity will not be stolen in the future.
Complaint sub-issue: Received bad information about your loan

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously counted my qualifying payments for XXXX. I have been awarded a range of 94-95 qualifying payments on my consolidated loan. XX/XX/ is being counted for XXXX on one loan and not the other. The reason given is that it was not on an eligible repayment plan, however it is not possible one portion of the loan was on a plan ineligible for XXXX and not the other, as a consolidated loan is serviced as one loan though it is split into two portions. Additionally, all direct loans are required to be repaid under the same repayment plan if they are eligible. The months prior and following were eligible for XXXX. The payment count should be 95 on the full balance.
Complaint sub-issue: Personal information incorrect

Fraudulent transactions on XXXX and US bank credit card. Change mailing address on XXXX credit report. Applied fraudulent applications at XXXX XXXX credit cards.
Complaint sub-issue: Debt was paid

In 2014, our family switched cellular services from XXXX XXXX XXXX to XXXX. XXXX offered a financial incentive to do so. We paid our bill in full with XXXX XXXX XXXX, but they initiated collection action. We provided them with proof of payment and they were supposed to stop but, instead, they have farmed the " debt '' out to a collection agency. The collection agency, Enhanced Recovery XXXX, has been provided proof of the debt, yet they will not remove the negative credit reporting.
Complaint sub-issue: Information belongs to someone else

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Complaint sub-issue: Was not notified of investigation status or results

I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Equifax from my previous complaints filed here and sent through certified mail.
Complaint sub-issue: Old information reappears or never goes away

All 3 bureaus contiue to report XXXX XXXX which is a student loan servicer as an open account that has been closed for 9 years and 9 months. I've contacted XXXX XXXX, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute with EQUIFAX over XXXX day ago concerning a fraudulent account on my credit report from XXXX XXXX XXXX XXXX XXXX. The original creditor XXXX XXXX XXXX XXXXXXXX XXXX, SUBMITTED THIS COLLECTION TO THEM. I called both parties about this and neither of them found record of me. I submitted my Identity theft report and police report to EQUIFAX and have been waiting for a response. I called the XXXX XXXX XXXX XXXX today to see if any information came in about me, they said nothing has been sent over from the credit agency.XXXX XXXX said it had to be and error from EQUIFAX to put this on my credit report. I am unable to rent an apartment because of this. They are dragging their feet about this matter and its costing me my lively hood. They have the wrong address on file even though I have updated it XXXX times, so I am unable to call and pass the identity questions to speak with a live representative. I am living with friend because this rental debt on my credit report has me stuck on someones couch, because I keep getting denied for rentals. PLEASE HELP ME CONCERNING THIS ISSUE. 
amount owed- {$6800.00} date assigned to collection-XX/XX/2020 actions taken by me-files police report and identity theft report
Complaint sub-issue: Personal information incorrect

There are many mistakes appear in my report without my understanding.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX is reporting a charge off and and account with my name and when i wrote a certified letter to validate the debt the company ignored my letter and has not verified the debt and continues report the bad debt. This is a violation of the FCRA. The account doe not belong to me and is fraud.
Complaint sub-issue: Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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: Information belongs to someone else

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Complaint sub-issue: Information belongs to someone else

FRCA XXXX credit line XXXX XXXXXXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Debt was result of identity theft

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was notified by XXXX XXXX that 3 Hard inquiries were made under my name, none of which I authorized. One of the inquiries was made by XXXX XXXX Bank on XX/XX/2022. The 2nd inquiry was made by Discover Financial Services on XX/XX/2022, and the 3rd inquiry was made by XXXX XXXX on XX/XX/2022. I've called all 3 banking institutions and they confirmed that they can not see account inquiries based on my current information. 

I can't understand then who made those 3 inquiries and why it's reflected on my account.
Complaint sub-issue: Information belongs to someone else

IDENTITY THEFT NOT RESOLVED Source Equifax XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX NC Zip XXXX
Complaint sub-issue: Attempted to collect wrong amount

My name is XXXX XXXX XXXX, I recently purchased a home at XXXX XXXX XXXX in XXXX XXXX, FL on XX/XX/2021. On XX/XX/2021 I agreed to purchase a water softener system for my home from XXXX XXXX XXXX and the loan would be financed for XXXX through Aqua Finance. According to my contract, my payments were supposed to be deferred to 3 months from the date of the contract ( XX/XX/2021 ). However, I received a call from Aqua finance and they stated that my first payment was due XX/XX/2021 and that I had incurred a XXXX dollar late fee. I called them back ( XXXX ) this afternoon and Spoke with XXXX. I explained to XXXX that I would not be paying the XXXX dollar fee and he agreed to waive it as a " one time courtesy '' but refused to change my payment date to the agreed upon date according to the contract. I asked XXXX to speak with his manager. I was then connected with XXXX the manager who explained to me once again they can waive the late fee this one time as a courtesy but, the latest they could make my due date is the XXXX not the XXXX. I explained that is not what the contract says and he said we are two separate companies and his system will not allow him to change it to anything past the XXXX. I live on a budget and I have budgeted to make this payment on the XXXX of every month like it was agreed upon in the contract. I have attached the contract as well as the statement they sent me in the mail saying I owed them XXXX dollars by XX/XX/XXXX. XXXX also explained to me he can not change my due date until I pay my already " overdue '' XXXX balance and he still will not change the date to the XXXX but, just the XXXX. I personally feel like I was swindled by this company and do not recommend anyone do business with them. I have never missed a payment on anything on my credit and now even though the company says they will not report the missed payment. How can I trust them when they can not even honor a contract. I understand Aqua Finance and XXXX are different companies but, they work hand in hand together and the contract should be honored.