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

I have disputed alleged account from XXXX XXXX XXXX XXXX multiple times with Equifax and XXXX. They ( Equifax and XXXX ) claim the information is " verified '' but can not provide indisputable, undeniable proof. I have asked for prima facie evidence on more than one occasion via jurat affidavit to XXXX XXXX d/b/a XXXX XXXX XXXX XXXX, Chief Financial Officer dated XX/XX/2019 bearing USPS Certified Mail # XXXX and have not received the response from the previous notices dating back to XX/XX/XXXX that were sent to XXXX XXXX Member Service Department as well ( evidence can be furnished upon request ). Furthermore, the alleged creditor has been sent a CERTIFICATION OF NON-RESPONSE/NON-PERFORMANCE ( jurat ) dated XX/XX/2019 bearing USPS Certified Mail # XXXX evidencing the alleged Creditor AND Credit Reporting Agency 's inability to properly " verify '' the accuracy and completeness of the information they are furnishing/reporting which is infringing upon my consumer and inalienable rights and hurting my ability to obtain credit. Under FCRA 15. U.S.C. Sec. 1681,  unverified accounts must be promptly deleted. They have been given over 30 days to provide verifiable proof and have failed to do so. I have demanded the erroneous information to be removed from my credit report and will seek damages in a competent court of jurisdiction in addition to filing a complaint with the Attorney General, XX/XX/XXXX, and IRS Financial Crimes Task Force in the event this issue is not resolved immediately.
Complaint sub-issue: Information belongs to someone else

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Complaint sub-issue: Information belongs to someone else

During XXXX of XXXX someone opened up a time-sharing account utilizing my information. Around XXXX there were two First Progress credit cards opened. As well as multiple inquiries of people trying to obtain credit in my name.
Complaint sub-issue: Was not notified of investigation status or results

All three of the CRAs XXXX, Equifax, and XXXX are in violation of USC 15 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On XX/XX/2022 I sent a letter to all three CRAs requesting to remove a bankruptcy reporting on my consumer reports. They all ignored my request and still continue to violate the laws by reporting this bankruptcy on my consumer reports still. I am notifying them this one last time before bring this to the court system. These companies irresponsible actions is causing damages to my character and I plan to seek maximum allowed remedy allow by the law.
Complaint sub-issue: Debt is not yours

I sent 2 letters requesting original documents in regards to me allowing them to have my information but instead I keep getting answers that they have validated my debt in which I have nothing received anything in writing. They have provided no paperwork or original instruments stating I owe the debt nor can they provide any signatures in reference to me agreeing that I owe them for any products or services.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Complaint sub-issue: Information is not mine

According to the provisions of the Fair Credit Reporting Act sec XXXX ( a ) [ XXXX XXXX XXXX ( a ) ], disputed items must be re-investigated or deleted from my credit report within 30 days. During the re-investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

Equifax, XXXX, and XXXX continue to violate this section Fair Credit Reporting Act sec XXXX ( a ) [ XXXX XXXX XXXX ( a ), a violation which in turn is adversely effecting my ability to operate effectively as a consumer.
Complaint sub-issue: Reporting company used your report improperly

N accordance with the fair credit reporting act, XXXX account # XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions
Complaint sub-issue: Information belongs to someone else

ftc showing that I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX PARK XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$610.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1000.00} written off. 
Account TypeCredit card Balance- Date XXXX Details under dispute icon Currently Under Dispute show tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/2020. 
Account TypeSecured Loan Balance {$170.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/2020. 
Account TypeSecured Loan Balance {$510.00} Date XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/2020. 
Account TypeSecured Loan Balance {$210.00} Date XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account XXXX XXXX XXXX {$7800.00} Date XXXX
Complaint sub-issue: Information belongs to someone else

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I submitted a complaint with Total Card inc Previous Complaint was XXXX, My complaint was for the company to send me viable evidence bearing my signature showing the account and the original contract, they failed to send me proof with my name and proof of the account with my sign legal name,,, I am the consumer and I have the rights to see and overlook the account information and I have asked for the proof of the account with my name on the original contract, they have not sent it and that's is a violation of my rights .... I am obligated to file a small claims suit due to total card still failing to send me proof of the alleged account,,, you are now asked to delete the account from my credit from all 3 credit bureau,,, you were given 30 days to send me proof and you still failed to send,, please delete the account from my credit file,,, you are in violation. I have repeatedly asked for evidence to support your reporting but yet again you have failed to provide me with a copy of any viable evidence, Total visa is in violation of the Fair Credit Reporting Act. On XX/XX/2018 Total Card responded to my complaint and stated that the signed contract was attached to the response but there was no account contract attached,, Total please delete the account from my file or I would be subject to file a small,, claim I have proof that I have asked several times for proof and you failed to send it,, you may be liable for your willful non-compliance, I have copies of the attached document that was sent to me as the response from total card which did not provide the contract or anything with my signature on it,,, I have pictures enclosed of the only items that was attached to the response from TOTAL CARD ON XX/XX/2018,, didn't send the paper work,,, in violation of the federal law In they response is says the account contract was available,, I have took pictures to show that the attached response didn't have a contract with my name on it,,, or any contract
Complaint sub-issue: Information belongs to someone else

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Complaint sub-issue: Problem with fees

I closed my credit card within 1 month of annual fee billing. Since I had already paid the annual fee, Citi card representative told me that they will mail the annual fee back to me by check. 
However, I have never received the check.
Complaint sub-issue: Their investigation did not fix an error on your report

Good morning all, I have two credit cards that were opened in my name. These are not my accounts due to someone opened these accounts without my knowledge. I am disputing these charges and the credit card companies are moving forward trying to collect the money owed on the accounts. I have filed a complaint with the Federal Trade Commission. I want these accounts taken off my report as I'm not responsible for the charges.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

A couple years ago I was involved in a medical data breach and my personal information was exposed. I never checked my credit because I didn't have a reason until recently. My wife and I are planning to buy a house and I was informed I have accounts on my credit that I did not open. I contacted the companies directly but received no response.
Complaint sub-issue: Problem with paying off the loan

Paid loan off early per information provided by company. Received a letter from company thanking me for my business and even said I was due a refund due to a overpayment. This was XX/XX/2021. Yet the collection department keeps on attempting to draft payment after this and even adds late payments and reports to credit agencies that I am late. Their departments can not coordinate and my calls to the company go nowhere. They say that regardless of a letter and cashed payments from the document dept. I own several XXXX dollars and cant seem to provide any monetary breakdown to show how they come to this amount.
Complaint sub-issue: Personal information

Lists an address in VA that I 've never lived.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2019 I opened an account with Commerce Bank for the expressed purpose of earning {$300.00} for signing up and completing requirements posted at : https : //commercebank.comXXXX. When I approached the teller, she inquired what I was at the bank for and I told her I was there to open the account for the purpose of earning the {$300.00} promotional offer. After the teller took my information and a check for {$5000.00}, she then opened a checking account in my name and the teller stated then stated the bank would not be able to extend the promotional offer to me. After asking why I would not be able to receive a publicly posted offer, the teller and branch manager stated the offer was only for " certain targeted customers '', this statement was repeated to me upon contacting the corporate office. The teller and manager stated that they had successfully opened a checking account in my name, but the promotion would not be extended to me. The teller and manager could offer no information why I would be ineligible for an offer posted on the bank 's website. I closed the account upon notice that my account would not be eligible. I believe I have been discriminated against without legitimate reason and without specific cause offered by Commerce Bank. 

Additionally, the head office was contacted and the representative did not believe there was an issue to address. I attempted to use the bank 's online links to sign up for an account, these links do not work ( shown in video attachment ), the bank was informed of the website links and the representative stated the site was functioning properly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Complaint sub-issue: Information is missing that should be on the report

Until my bankruptcy in XXXX ( discharged in XX/XX/XXXX ), XXXX ( XXXX ) reported my mortgage to all 3 major Credit Bureaus. I was told by their customer service, that they would stop reporting during the bankruptcy and start reporting again, when the bankruptcy is discharged. I exempted the mortgage from the bankruptcy, even if XXXX showed absolutely no interest in reaffirming the mortgage. 
However, the bankruptcy is now discharged for over 8 month and XXXX ( XXXX ) is still not reporting to the Credit Bureaus. I called there several times and wrote numerous emails and letters, but did not receive any answers. Their customer service is almost impossible to reach, and if I get through to them, they have absolutely no knowledge about my mortgage and are completely unable to provide any advise or help with this issue. Needless to say, with them not reporting my ( always on time ) payments, my credit score suffers a lot.
Complaint sub-issue: Debt resulted from identity theft

continued action taken to collect a debt that is not mine I have asked the company to provide proof and validation of debt under FDCPA guidelines Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

phone calls and letters have been non stop after I sent letter to cease and desist until debt can be validated as of this time they have failed to comply
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 XXXXThis 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 mXXXX XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Debt is not yours

Enhanced Recovery is reporting a debt for XXXX on my credit report. At the time that they said the debt incurred I was XXXX years old and you are not able to sign a contract or open a cell phone account at the age of XXXX. The removed it off my credit report, and now they added it back on my credit report.
Complaint sub-issue: Account status incorrect

While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing ; Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX  XXXX Account XXXX XXXX This charged offs account are reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

In accordance with the Fair Credit Reporting Act, This " creditor '' has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX US BKPT CT TX XXXX : XXXX XXXX XXXX : XXXX U.S. BANKRUPTCY COURT : XXXX PLEASE HELP ME REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT.
Complaint sub-issue: Was not notified of investigation status or results

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Complaint sub-issue: Was not notified of investigation status or results

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is USDOE/XXXX  balance {$0.00} account # XXXX