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

On XXXX of XXXX, I submitted to XXXX, XXXX and Equifax a request to review my credit report and remove duplicates.. 
They have allowed the additions of multiple duplicate accounts to my credit report. 
The studen loan accounts have been discharged from my person due to a XXXX. 
The non payment history therefore should be removed since the accounts were discharged from my person. 
The accounts are now on my credit report in duplicate and afflicting my credit report. 
I have notified not only the student loan processer and the Credit Bureaus. 
They all have refused to remove the duplicate accounts. 
I have provided all documentation required for them to process the request. 
They transfer me to someone in another country who barely speaks english and tells me that there is nothing they can do and then hangs up on me. 
I need to have the DEPT OF EDUCATION/XXXX accounts removed from my credit report since the DEPT OF ED/XXXX/XXXX are the actual discharged accounts that reflect the discharge.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My account was involved in a credit breached, and I was not notified!! They had mad XXXX charges on my account! I asked them why they did not reach out to me? They claim they could not reach out to every customer! And it was my Citi bank card! They charged a total of {$29.00}, XXXX times!
Complaint sub-issue: Information belongs to someone else

Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Complaint sub-issue: Transaction was not authorized

Went to open an account at Bank of Texas was told I had an account in 2010 that I did not have.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently reviewed my credit report and found the following unauthorized credit inquiries reflecting on my recent credit report. I did not personally apply for any of the banks and lenders below. Please Delete the listed inquiries from my credit report promptly. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax
Complaint sub-issue: Information belongs to someone else

Sent FTC Identity Theft Report to XXXX on XX/XX/23. They have failed to remove the fraudulent nquiries listed on my credit report.
Complaint sub-issue: Debt is not yours

XXXX ERC a letter on XXXX/XXXX/XXXX to send me proof that the account was mines back in XXXX. I waited the customary 31 days they marked it disputed on my credit and I sent them another letter XXXX/XXXX/XXXX asking ERC to send my the contract with my signature on it verifying that it was XXXX & they replied by sending me a letter back without verifying my signature along with wrong & misspelled last name. They still refuse to remove that debt off of my Credit Report after I informed them that this is not mines.
Complaint sub-issue: Account status incorrect

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Balance : {$570.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/2021 and XXXX XXXX- XX/XX/2021. I demand the deletion of these inquiries from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XXXX of XXXX I've sent multiple letters and supporting documentation to Equifax showing that the XXXX bankruptcy records that they have listed as well as the accounts for XXXX XXXX Bank and Bank XXXXXXXX XXXX  all need to be removed from Equifax reports as this information is invalid. 

I've submitted documentation from the Federal Bankruptcy Court as well as XXXX XXXX showing that there is no record of these bankruptcy records. Yet Equifax continues to claim that they have validate/ verified these records. I've also provided documentation directly from XXXX XXXX Bank and the Bank XXXX XXXX that show that they do not have any accounts listed for me. And Equifax continues to report this information as well. 

I've provided this information to Equifax multiple times in XXXX, XXXX, XXXX, and XXXX of XXXX as well as in XXXX of XXXX. And I just called Equifax on XX/XX/XXXX and they claim to have not received any of this documentation. However, the representative claims to not see any of this documentation. I know that not to be true as I have confirmation via copies of my XXXX Mail and XXXX Receipts showing that all copies of all of this documentation was indeed received by Equifax. 

This means that Equifax is blatantly intentionally reporting this fraudulent information. Equifax has recently been held legally responsible for these fraudulent activities. I am also a member of the Data Breach Class Action Settlement Class which is also another case where Equifax is legally responsible for continuing to report information that they know is invalid.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I have over XXXX disputes with Cash App that never gets answered over XXXX unauthorized transactions with police reports and I still havent receive the money back.
Complaint sub-issue: Account information incorrect

The following two companies have been reporting over balance and the balance is below. This is causing a negative impact on my credit. 

1. XXXX XXXX XXXX XXXX XXXX you 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos ) 2. XXXX XXXX XXXX XXXX XXXX ( Card 2 ) You 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos )
Complaint sub-issue: Investigation took more than 30 days

Yes I messaged XXXX XXXX  about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from XXXX.
Complaint sub-issue: Old information reappears or never goes away

On my equifax credit report, there 's an account that was removed a while back and now it 's been added back. The account is  XXXX   years old.  But there was no notifications sent to me about this and with it being added back to my report it dropped my score dramatically!! I 'm pursuing a job currently so this has the possibility of affecting my chances of employment. The account is   XXXX   XXXX   XXXX   XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter to XXXX XXXX on XX/XX/2020 XXXX Mail # XXXX XXXX XXXX XXXX XXXX requesting them to supply a contract to validate the account or remove the account from my credit report as of currently i still haven't recieved a responses. 

In accodance with the Fair Credit Reporting Act XXXX 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 States : A Consumer reporting agency can not furnish a account without my written consent 15 U.S.C 1692 Section 805 ( A ) States : a debt collector may not communicate eith consumer in connection with the collection of any debt at any unusual time or place or a placr known or which shoulf be known tobe inconvient to the consumer
Complaint sub-issue: Debt is not yours

I dont have an account a contract with Enhanced Recovery nor XXXX XXXX. They are calling relatives and disclosing my personal information to third parties. This is also on my credit report
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX XXXX called my cell phone on XXXX and XX/XX/XXXX while I was at work. Did not identify themselves as debt collectors and attempted to get personal information. When I refused to provide them with the information, they threatened to keep calling me until I answered their questions. Then on XX/XX/XXXX I received a dunning notice from them. The notice was backdated to XXXX in an attempt to limit my time to respond and request for verification of debt.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and  certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act  1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Complaint sub-issue: Information belongs to someone else

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Investigation took more than 30 days

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX - XXXX and XXXXXXXX - XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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: Was not notified of investigation status or results

In XX/XX/2021, I sent a letter about inaccurate and unverifiable things on my credit report, and it has gone unanswered for over 60 days. I'm still waiting for a response. As a result of my disputes being ignored, I feel that I'm being taken advantage. My personal information was also impacted as a result of the Equifax data breach, and it may have ended up in the wrong hands. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days over so they should be deleted promptly.
Complaint sub-issue: No notice of investigation status/result

I filed a dispute with the way some accounts were reporting on my credit report. The information reporting was wrong and inaccurate. I provided the facts that the accounts were reporting inaccurately and requested they investigate. I get a credit report stating that the accounts have been verified that they belong to me. I never claimed they did n't belong to me. 
I simply stated the information reporting was inaccurate. I do n't believe they did a proper investigation.
Complaint sub-issue: Information belongs to someone else

Dear Sir/ Madam, There has been a so called Collection by the name of ( XXXX XXXX supposedly for XXXX XXXX account that I never had ) ) on my credit reports which was posted on XX/XX/2018, I have no recollection of this company, I believe it's FRAUD included in stolen Identity SCAM that was posted on my reports, I contacted the credit Bureaus to remove the scam ASAP, I was told that it was verified, someone posted this scam on my name and I want that removed as soon as possible.
Complaint sub-issue: Information belongs to someone else

My personal information was used to open fraudulent accounts. I found out around XX/XX/2019, when trying to apply for school and being denied loans. I received a free copy of my credit report to find that I had been a victim of identity theft. I immediately contacted the companies listed and was required to file a FTC affidavit, a CFPB complaint and a police report from my local department. All of that information was retrieved and submitted to all companies of fraudulent accounts. I disputed these accounts with XXXX, XXXX and Equifax, because the companies denied giving me information on these accounts, for the reasons of the information that I gave did not match what was recorded within their system. These accounts in dispute were removed because I supplied all required documents. The accounts have now been inserted back into my credit report XXXX  years later as a charge off. I am being held accountable for fraudulent accounts. I am resubmitting required documents as well as an updated FTC affidavit, and the original police report that was submitted during the time of removal.
Complaint sub-issue: Debt is not mine

Message they continue to leave on my voicemail : " Hello we have a message from ERC. This is a call from a debt collector. Please call XXXX and provide the following reference number XXXX. '' This has nothing to do with us.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Discover card has breached my security by allowing a person to plug in my numbers to obtain limousine services from XXXX. According to Discover card a person by the name of XXXX has put {$1400.00} of unauthorized charges on my Discover card by using my card numbers. I blindly paid the credit card my entire bill. After noticing these charges on my credit card around XXXX I brought this to the attention of Discover card. Discover card refused to credit my account after giving me the credit they recharged my account. 
I have not authorized those charges.
Complaint sub-issue: Account information incorrect

My credit file for Citicards CBNA isn't reporting late payments correctly. the XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 late payments were all due to the covid-19 pandemic.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX Account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXt Account number # XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX  Account XXXX XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX XXXX acct 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

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING XXXX  AND EQUIFAX THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES FICO SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS INFORMATION.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute with XXXX XX/XX/2019. I disputed bankruptcies that came back as " VERIFIED '' and would be remaining on my credit report. I inquired as to what source was used to verify this information. I was informed they used XXXX to " VERIFY '' the info on my file. I then reached out to XXXX to initiate a dispute to the bankruptcies reporting to my consumer file. After 90 days XXXX sent me a letter stating that the files would be deleted from my consumer report & that they would notify ALL credit bureaus that the accounts would be deleted ( see attached ). On XX/XX/2019 XXXX  removed bankruptcies from my credit file but have since placed the same accounts back on my credit report as of XX/XX/2019. All three bureaus have violated the FCRA rule by reporting and " VERIFYING '' information from 3rd party vendors and not directly from the reporting vendor/source. Nevertheless according to the attached letter from XXXX the information has been " DELETED '' from their file and should be deleted from XXXX, XXXX, Equifax. To date this information still remain ....
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This fraudulent item should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. They claim they verified the account with the company but I'm truly confused about how they can verify a fraudulent account. Additionally, I contacted the bank and they agreed to not report the account on my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXXXXXX XXXX  XXXX XXXX