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

I contacted XXXX on XX/XX/XXXX because I have been violated of my rights by an incorrect account reporting on my credit file. XXXX said that the account that is reporting inaccurately was verified from the courthouse. I called the courthouse and they said they do not have any records on file and that they do NOT share anyones personal information to the credit reporting agencies nor do they intervene with the dispute investigation. They also sent me out a letter as verifiable proof. I called back to XXXX on XX/XX/22 to tell them that they are not doing a proper investigation of this account and they said that they are certainly verifying this from the XXXX Court house. I was transferred over to the supervisor who then confirmed that it was verified through LexisNexis. I told them that LexisNexis does not have it on their credit file and I showed verifiable proof from the dispute that I sent out in XXXX that was not properly investigated. The supervisor then said that the letter I sent in from LexisNexis was not something they can except because it came from a third party and that LexisNexis has to send an electronic file in order for them to accept it. I called LexisNexis and they said that they were sending out a dispute to XXXX with my new credit file. They also said that XXXX did not contact them about a dispute or an any account on my credit file. I am so upset with the progress I have received disputing this inaccurate account on my report. XXXX will not give me the right answer as to who they are verifying their information from. They are violating my consumer rights and laws by not telling the truth/false information or showing me physical proof of the verification. This is unfair practice and has become detrimental to my livelihood.
Complaint sub-issue: Account information incorrect

Six months ago, I noticed XXXX XXXX on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by XXXX XXXX and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called XXXX XXXX and was told the loan was too old and they could not access any information on it.
Complaint sub-issue: Account status incorrect

I sent XXXX XXXX several certified Letters asking them to Validate late payments they have showing on my Credit Reports, methods in which the use, and who are reporting them? The have yet to send me Validation according to the law.
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 federal protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX account XXXX, XXXX account 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 states 2 : it also states a consumer reporting agency can not furnish a account without written instructions.
Complaint sub-issue: Reinserted previously deleted info

I had a account with XXXX that was eventually sent to a collection agency, it has been on all XXXX of my credit files for over 7 years with XXXX collection agency and as of XXXX 2015 it had been resold to another collection agency and is being report as a new collection account on my credit file as of that date. The account should have been removed from my credit file in XXXX 2015 for good. The Collection Agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX and its for XXXX XXXX Account # XXXX for XXXX. I feel that the agency is unfairly putting fraudulent info on my credit report.
Complaint sub-issue: Account status

An authorized user account was opened with XXXX XXXX under my name without my permission. I requested that XXXX remove me from the account, which they did, but are still reporting the card as belonging to me on Equifax. I disputed this account with Equifax , twice, but XXXX times they have refused to remove it. I have attached the dispute results information from Equifax as documentation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no knowledge nor gave anyone permission at any of these companies to pull or place anything on my consumer reports.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. 
XXXX XXXX XXXX. 
IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.
Complaint sub-issue: Reporting company used your report improperly

The information shared by three major reporting agencies was shared illegally. I have written proof and the remarks should be removed.
Complaint sub-issue: Reporting company used your report improperly

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting.

Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Account opened as a result of fraud

XXXXXXXX PNC Bank XXXX  XXXX Identity Theft XX/XX/2016 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.
Complaint sub-issue: Problem with personal statement of dispute

Citi Bank closed my credit card after agreeing to dismiss all charges with a hardship case due to medical issue. The executive office granted this to me. However they continue to report late payments and claiming I owe Over {$3000.00}.
Complaint sub-issue: Other problem getting your report or credit score

Equifax states they will provide a free credit report weekly during the pandemic. 
They are not doing that for me.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting that I was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX 's account. I contacted XXXX 's and they state it is Equifax that is reporting wrong information. I filed a dispute for XXXX 's through Equifax and attached documentation that validated I have no late payments, but the disputes was completed and results stataed late payments were verified. For XXXX 's I then filed a complaint through Consumer Financial Protection Bureau and it was verified that I have NO late payment and Equifax is reporting the wrong information. Please see below the Company 's ( XXXX 's ) complaint response through Consumer Financial Protection Bureau verifying I have NO late payments. 

Compliant number XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX XXXX XXXX ) appreciates the opportunity to respond to the concerns you have regarding account ( XXXX ) XXXX. We have a more than 130-year history of quality customer service and satisfaction, and I would not want anything to impair that record. Our contact information is located on your retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letter. As a reminder, you may contact XXXX regarding questions about your purchase by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with explanation. : 1. You paid the account balance in full in XX/XX/XXXX ; 2. There was a delay in closing the account ; and 3. XXXX  processed a manual AUD on XX/XX/XXXX to correct the credit reporting. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$120.00} due on the XXXX of each month. You made your final payment on XX/XX/XXXX ; however, there was a delay in closing the account. XXXX  closed the account on XX/XX/XXXX. XXXX  processed a manual AUD on XX/XX/XXXX to correct the delinquent credit marks that were assessed on the account due to the delayed closing. XXXX processed a bullseye report on XX/XX/XXXX and confirmed that no delinquent credit marks are being reported on the account. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.
Complaint sub-issue: Account terms

on several accounts, there is a mortgage listed as included in Bankruptcy, yet I did not have a mortgage included in my bankruptcy filing. I can provide a copy of the discharge and all bankruptcy paperwork to show the actual filing.
Complaint sub-issue: Debt was result of identity theft

This started back in XX/XX/XXXXor XX/XX/XXXX and ERC opened an account that showed up on my credit reports for {$1800.00}. I have repeatedly tried to explain that this is not my account and that XXXX XXXX stole my identity just like he did with a car loan, XXXX XXXX   account, and XXXX XXXX. They keep refiling this so it will stay on my credit report even though I have told them time and time again that it is not mine. I live in XXXX XXXX and my only name is XXXX XXXX XXXX. He applied for credit with a name XXXX XXXX. That is not now nor ever been my name.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I 've filed multiple CFPB complaints against Equifax for reinserting over and over the same erroneous " XXXX '' inquiry ( see provided attachment ) back on my credit report. Not only did Equifax reinsert this fraudulent information, they reinserted the inquiry three ( 3 ) times as shown in the one attachment. When Equifax removes information per a complaint it takes only a few months for the same erroneous information to show back up despite multiple CFPB complaints and removals.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax 's customer service would not help and take care of the negative inquiries reporting on my credit report. Several certified letters have been sent requesting they be removed. I did not authorize them and the ones listed below do not belong to me.

XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Complaint sub-issue: No notice of investigation status/result

Equifax has been contacted several times in the past and recently regarding the re-aging of a few accounts on my credit file. I contacted Equifax over the phone on XXXX/XXXX/2017 to indicate that items in my files were not validated and verified legally. The representative, " XXXX '', was informed that re-aging ( an illegal practice ) is still occurring on my credit file. I explained to XXXX that there were XXXX accounts where the date of first delinquency ( DOFD ) were not identical. 

XXXX stated that once a company sells a debt to a collection agency, the collection agency has their own dates. I explained to XXXX that this information was invalid, and that the DOFD are legally supposed to be identical, not different dates. Furthermore, I explained to her that Equifax is a resource that bridges the relationship between companies and consumers. They are required by law to ensure that the information the report on me is accurate. 

XXXX only submitted a dispute on this issue and refused to review the information and delete it due to inaccuracy. After SEVERAL investigations for these accounts, it is apparent that Equifax neglected to validate and verify these accounts as required by law.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Someone stole my identity and opened a fraudulent account with XXXXXXXX XXXX without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help
Complaint sub-issue: Debt resulted from identity theft

These are the same collector I disputed previously from XXXX. I used to lived a apartment call " XXXX XXXX '' in XXXX XXXX XXXX from XXXX to XXXX and when my least ended at the same year. I notice the manager for two months ahead that I will not going to renew the least and I 'm planning to move out and she agree to it unless I 'm not going to ask her the deposit money. And when I ask her she said l 'm going to clean towards the apartment. Because, I told her I 'm leaving some of belongings in the apartment and I said you can donate it any charities of your choice and she agree to that too.
Complaint sub-issue: Investigation took more than 30 days

I have sent certified letters to all 3 credit bureaus, Equifax, XXXX and XXXX about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. XXXX XXXX claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. Equifax & XXXX have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX  credit card & XXXX Visa Credit card.
Complaint sub-issue: Didn't receive enough information to verify debt

This company is attempting to collect a debt that has not been VALIDATED or VERIFIED. I asked the company for VALIDATION of this debt and they have failed to do so. They sent me billing statements which is not VALIDATING this debt. Also I've previously disputed this company for this same reason and somehow they managed to get back on my report, they did not notify me within the allotted time period they were going to add this back to my credit file. Therefore this needs to be removed from my credit report and this company needs to cease communication with me.
Complaint sub-issue: Debt was result of identity theft

I have never had an an account with this company nor have I had an account with the company XXXX XXXX not now and not ever. This account was opened due to fraud and needs to be removed immediately. Credit bureaus all have been sent a police report.
Complaint sub-issue: Problem accessing account

My name is XXXX XXXX My address is XXXX XXXX XXXX I am writing because I was locked out of my Us reliacard account, due to a change of address I was instructed to send documents I have three times The documents I've uploaded Is a lease statement A photo of of my landlord The phone number of my landlord My photo ID My w2 My SSN A selfie of me holding my id A selfie of me holding my debit card I was told it would be unlocked in 1-2 buisness days, it's now going on the XXXX I have no access to my funds I need to buy medicine I've called over thirty times The agents are all unhelpful, they all have a diffrent reason as to why the " company hasn't reviewed my documents '' I have contacted the PA unemployment office who has contacted the company on my behalf to have my account unfrozen and still no help Today was the last draw ( XX/XX/2020 ) I called at XXXX XXXX, the agent told me that they have received my documents, but they couldn't unlock it till after XXXX XXXX, and to call back then to have my account unlocked I called at XXXX XXXX, the agent who answered said there's nothing sh can do, that I should resend in my documents, I asked to talk to a manger she said there isn't any that work there. 


I am livid, they are holding my money because I changed address 's, I was forced to change address due to an eviction I have also uploaded the eviction notice I need my money to buy myself medicine to buy my self food and they have no right to hold my money on me I want this fixed right away
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Mailed dispute letter to Equifax on XXXX. As of today never received any correspondence or notice of dispute from Equifax. I disputes unauthorized inquiries in my credit file. Moreover, filed dispute with all the furnishers of the unauthorized inquiries and I have not received any correspondence or notice of dispute being processed.
Complaint sub-issue: Application denied

I applied for a secured card with Citi Bank on XX/XX/2022. 
The application was declined with guarantee of funds in the form of personal deposit. 
The credit has been displaced for 7 years without any significant change in scoring or evaluation with lenders. 
This has prevented me from having an emergency credit card for life necessities, etc. 
This has discriminated against me in first time home buyer programs by age discrimination, I know I should have been able to purchase a home in my XXXX 's like everyone else but they all filed bankruptcy and started again with a new car the next month and a new home the following two years. 
You can see all of my scars and stripes and that really isn't anything on my credit but student loans that requires decent income for payment of the education receieved ; The last fair or equal lending receieved was with XXXX bank for $ XXXX credit card/split in two for rewards my XXXX  year in college. A college kid caring more about sign up rewards instead of limit. Honestly, the value scale may have proved to be in my benefit because it would've have appeared worst. 
I'm tired of being discriminated against with everything!
Complaint sub-issue: Was not notified of investigation status or results

My information was compromised, someone applied for multiple credit but none of the application were approved as I had an alert on my SS #. Although they were unable to open any accounts the inquiries still show up on my credit reports. I have attempted several times within the last year and a half to dispute and have an investigation done but I have never gotten a response. The latest dispute was submitted  XX/XX/2017    and still I have no response.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.