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

After 23 Disputes to Equifax, Identity theft reports to this bureau, as well as XXXX XXXX official documentation, and consumer statements posted to my credit file, Equifax refuses to by law, correct my credit file, and stop allowing fraudulent reporting to my credit file. After numerous phone calls, documentation of every single detail, identity theft action taken, proper notification, and supporting documents given to Equifax directly, They continue to allow fraudulent information, by one specific company ( XXXX XXXX XXXX ) report this information to my credit file. This has forced me to hire an attorney, and file for bankruptcy which has still after 4 years not solved this issue. This is a violation of the law concerning the Fair Credit Reporting Act which gives me the right to an accurate credit report. All federal Agencies have been notified of this issue, and are investigating which I am hoping will help. This has cause years of difficulty, finding a place to live for myself, and my family. It is an injustice.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is reporting on credit bureaus. I have no knowledge of this account. 
I have asked for validation of debt. 
I have asked for proof of ownership that they have bought this debt. Original credit application with my wet signature on it. Payment history of this debt they have failed to provide validation of this debt being mine
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting ACT, The following Accounts has violated my rights.

15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681 Section 611 ( 2 ) ( B ) 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( a ) XXXX  Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number Equifax : ******** XXXX : ****** XXXX : XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime.
Complaint sub-issue: Account status incorrect

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX : XXXX XXXX {$0.00} XXXX {$3900.00} XXXX {$220.00} XXXX {$180.00}
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2016 XXXX XXXX XXXX ( account # XXXX ) appeared on my credit report with a balance of {$13000.00}. ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Complaint sub-issue: Didn't receive advertised or promotional terms

I was applying for a XXXX XXXX XXXX Credit Card XXXX The promotion from the XXXX XXXX website and was for XXXX bonus miles after spending {$2500.00} on the card over the first three months. When I received the card, it said that I was only granted XXXX bonus miles. I had many conversations with Citibank and they told me to send a letter with the original offer so it would be resolved. I received a letter dated XX/XX/2022 that I was not eligible to receive the offer because " the offer to receive XXXX bonus miles was not solicited directly to '' me. Why would they be advertising the XXXX bonus miles all over the internet if it was only eligible to those that were directly solicited, that makes no sense and if that is the case, it is extremely deceptive marketing. I called Citibank on XX/XX/XXXX to resolve this and they directed me to the small print on the offer that reads, " Your eligibility for a particular product and service is subject to a final determination by Citibank ''. This was the explanation, that since I wasn't directly solicited, this catch-all language meant that Citibank was able to change their offer to only XXXX bonus miles. This is not acceptable to me. I have excellent credit and there is no reason why I should not have received this widely promoted offer. Thank you for your help
Complaint sub-issue: Didn't receive enough information to verify debt

BC Services XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO XXXX has inconsistent communications of monthly statements of remaining amount owed. Their payment portal is not consistently accessible the website provided XXXX has an error message that the website doesn't exist and the other website XXXX XXXX XXXX has XXXX name that is associated with the account numbers. When I started making monthly payments the husband that I'm separated from that has no obligations to the accounts name was on the accounts. I've sent monthly payments for a few years. Several of the debt " accounts '' have gotten paid off. I'm making the effort to pay the debts.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my account for inaccuracies I came across numerous fraudulent accounts that I have listed here. The accounts MUST BE removed because they do not belong to me. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. The fraudulent claims are as follows : Credence Resource Manage XXXX XXXX {$3000.00} ; XXXX XXXX XXXX XX/XX/2020 {$1800.00} ; XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX {$430.00} ; XXXX XXXX XXXX XXXX XXXX {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$280.00} ; XXXX XXXX XXXX XXXX XXXX {$72.00} ; XXXX XXXX XXXX  XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$840.00} ; XXXX XXXX XXXX {$1000.00} ; XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX, XXXX, XXXX of XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Debt was paid

PDQ Services INC, has violated my rights as a consumer. They report two ( 2 ) accounts to the credit bureaus under my name, dob and ssn. I do not owe PDQ Services Inc any money or the original company Center for XXXX. I paid via XXXX XXXXXXXX card and was told I didn't owe any money. Also, I never received a debt validation letter from PDQ Services Inc prior to them putting these two accounts on my credit profile. If these two ( 2 ) false accounts are not removed from each credit bureau I will seek council from an attorney. Also, I would like for PDQ Services to send me signed agreements and contracts from Center for XXXX showing I agreed to pay that amount because I still have the original email from the surgery scheduler regarding the total amount that I was responsible for and I paid it. I will be providing my attorney with the email which shows I paid the amount asked of me and that payment was made via XXXX XXXX payment. As stated by my attorney, I can sue PDQ Service up to {$1000.00} per account listed on my credit profile inaccurately and falsely.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX MISSOURI XXXX, Chapter XXXX bankruptcy XXXX XXXX, XXXX XXXX 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: Was not notified of investigation status or results

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Complaint sub-issue: Account status incorrect

I had a second mortgage with XXXX XXXX XXXX in 2006. The home was illegally foreclosed on and charged off years ago. Now XXXX XXXX XXXX just started reporting late payments on my credit again as if the account is re-opened. They just reported me 120 days late and dropped my scores. XXXX XXXX XXXX also re-aged the account.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for and did not benefit from. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans that I did not authorize and did not benefit from. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.
Complaint sub-issue: Their investigation did not fix an error on your report

Loan was paid off to XXXX XXXX XXXX XXXX but still shows an unpaid/charge off. Letters onXXXX2018 were send to Equifax, XXXX and XXXX to update and or delete the information.
Complaint sub-issue: Old information reappears or never goes away

Hi I applied for credit and the company Acima declined my application the email stated unable to verify my identity!! How can I clear this up?
Complaint sub-issue: Account information incorrect

XXXX XXXX has violated the law again! They are now manipulating other data to damage my credit score! 

See how they are extending the fall Off date by a month! 

Deceptive trade practices! 

This is illegal!
Complaint sub-issue: Information belongs to someone else

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$530.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX This account was a checking account that was paid in full and was told by the creditor it would be removed I called the creditor and they said they haven't reported the account in years.The credit bureau doesn't acknowledge it and lies to me every time I file an investigation into it.They dont even do it.Account is going on 8 years old now.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was contacted by ERC about a debt owed to them for another company XXXX XXXX. When I spoke with the representative I was told once collection was paid they will update and remove collection from credit. Instead it shows a charge off the negative reporting is affecting my credit score preventing me from loans
Complaint sub-issue: Information belongs to someone else

This is my 5th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

These accounts are past the reporting time that the credit bureaus can report negative information on the credit report and I've sent them dispute letter about 30-40 ago and they sent a letter back stating it was verified. I believe this is a violation of the fair credit reporting act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never gave this company permission to request my credit.
Complaint sub-issue: Fee problem

Contacted CitibankbCustomer Service on XX/XX/XXXX - had long conversation about incorrect service fees. Was told two months fees would be refunded and they would research the other fees. 
Called XX/XX/XXXX because of an insufficient funds email from Citibank. Found they did not correct ANY fees and charges another months fee and an insufficient funds fee of {$34.00}. 
After three conversations, One Hung up on me, they said the fees refunds were denied.
Complaint sub-issue: Account information incorrect

Back in  XXXX     2016  I found an incorrect account being reported on my  XXXX  and equifax reports by  XXXX  and filed a dispute of this account through   XXXX   XXXX   on  XXXX   XXXX     2016  it was removed by both  XXXX  and equifax on  XXXX   XXXX   2016 . Now the same information is being reported by  XXXX  on my equifax report stating the account was opened on  XXXX   XXXX   2016  and I tried to dispute this with equifax but they claim my personal information does n't match their files so I ca n't dispute it.
Complaint sub-issue: Investigation took more than 30 days

I have not receive any response from any bureaus. I sent a dispute letter on XX/XX/2021. Thats over 30 days no response.They have 30 days to respond. They credit bureaus operating any way they want to. This isn't fair at all. I want these items deleted from my credit report.
Complaint sub-issue: Public record information inaccurate

I Have filed a dispute before and it came back verified. it can't be verified it was removed from XXXX XXXX report. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Please remove this bankruptcy case from my report.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX Balance : {$100.00} ; XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$87.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Complaint sub-issue: Company closed your account

The financial institution closed the account based on an assumption that I can not satisfy any charges I will potentially incur on their Credit card.
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. 

XXXXXXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX ( CLOSED ) Account Number XXXX XXXX XXXX ( CLOSED ) : Account number : XXXX XXXX XXXX XXXX : Account number : 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 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 ) ( 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. 

I was told that these accounts are verified as accurate by Equifax, but I did dispute these accounts directly with the companies and i received a letter saying they are investigating, and I should hear them soon, but somehow the credit betray has already concluded their investigation, and are verifying as accurate. I am using my FCRA section 609 rights to ask for original signed contracts with these accounts, because I know I did not sign a contract with any of these companies. I have mailed a letter regarding this concern to Equifax already, and I am uploading the copies on here as proof. 

These are fraudulent accounts, I XXXX XXXX did not sign any contracts with this company. I would a fair, and proper investigation done and this account deleted right away. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised i am also requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Complaint sub-issue: Overdrafts and overdraft fees

When I opened my checking account with U.S. Bank, I never opted in for automatic overdraft protection. In reviewing old U.S. Bank statements, I learned that the fees in excess  of $ 200+  dollars originated from an unauthorized debit transaction that U.S. Bank  decided to pay, which caused my account to be overdrawn by  less tha n one d ollar ( {$1.00}   XXXX   ) ; I believe the exact amount was {$0.00} (   XXXX   XXXX   ).     U.S. Bank has charged numerous fees all as a result of this transaction. They charged overdraft fees, negative balance fees, and interest, I believe, was another fee that was posted to my account.     They 've since sold this debt at least twice now, and when I received the collection notice from each of the d ebt collectors to  whom U.S. Bank sold this account, I asserted my right under the Fair Debt Collection Practices Act to demand validation of the debt. As a result, b oth debt collectors returne d the debt back to U.S. Bank.     On  XXXX   XXXX ,    2017, I re ceived a correspondence from U.S. Bank in which they erroneously claimed that I sent a cease and desist letter to their debt collector, when, in fact, I demanded validation of the debt.     So far, I have had to spend approximately {$15.00} sending certified letters to U.S. Bank and their debt  collectors. I b elieve U.S. Bank will continue to try to collect on this invalid debt, continue to damage my credit, and they will never admit fault in this matter. This is why I have escalated this matter to the CFPB.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted Equifax on numerous occasions with the latest contact dated X/XX/2017. I keep letting them know that there are 25 inquiries on my credit report was not authorized by me. They tell me to contact the companies who initiated the inquiries but the few companies I did contact told me I had to contact the credit agency that are reporting the inquiry, and when I contact Equifax they give me the run around. They tell me these inquiries will stay on my report for two years. This is not fair, especially if I did not authorized these inquiries. I believe my credit account was breached way before Equifax became public about their systems being breached. I am currently trying to place a security freeze on my credit file from all 3 credit agencies and I am also currently in the process of consulting an attorney to help me deal with these matter.
I am attaching a copy of my credit report with the inquiries highlighted ( pages 61-65 ) ....