Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, Equifax, XXXX, XXXX Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, CXXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any  information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX and XX/XX/2022, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

Equifax refuses to remove erroneous information from my credit report. They said I can put a statement. But whats so funny is the company reporting the information XXXX, XXXX is out of business and they refuse to give me their phone number.
Complaint sub-issue: Reporting company used your report improperly

XXXX. Inappropriate credit inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A store clerk has solicited and signed me up for a credit card in promise of no credit score impact. My credit score has been affected immensely making it hard for near future home purchase or getting other loans. I have neither consented nor authorized a hard inquiry on my credit account. 

2. Inaccurate late reporting of loan that was in forbearance due financial hardship. 
The XXXX XXXX  loans are now consolidated into one and transferred into another services. I have previously tried to dispute the inaccurate reporting to XXXX and credit reporting agencies but no luck. I have been recommended by financial advisors to use the CFPB portal to get these late payment reports off my credit report. See attached initial letters to XXXX and credit bureaus.
Complaint sub-issue: Didn't receive enough information to verify debt

A collection agency added a report to my credit report including XXXX, XXXX, and XXXX. I do not owe this company any money. Contract was broken by the original company. The company posted on my credit report with out contacting me about the debt. Broke laws by FCRA and FDCPA. This company has not validated any debt. They have n't sent a copy of validation. They have broke laws. There is no copy of my signature stating I owe this company any money. I demand the company have this file deleted from all three credit reporting agencies.
Complaint sub-issue: Old information reappears or never goes away

Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011.

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported.

We are now past the 7 year period and XXXX XXXX XXXX continues to report the negative item on our credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reported fraudulent inquiries for my Equifax credit file to Equifax. I promptly received a response from Equifax stating : " We have reviewed the inquiry information for  XXXX   XXXX . The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''.     I contacted  XXXX  was told they have no record of the inquiry nor do they have any record to investigate.     I would really like to know what they have done to investigate the inquiry?
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I contacted professional credit about an account that was reported to my credit from XXXX XXXX from an alleged debt from XXXX. Since I had no record or recollection of this place, I requested an itemized statement or some sort of detail ; anything that would show me what this was for. I called them on XX/XX/XXXX and again XX/XX/XXXX for update. On both occasions I was told that they did not have any updates and that I would still have to wait until they heard back from their client as no documentation or proof of debt was provided when the account was assigned to collections.
Complaint sub-issue: Information is not mine

My name is XXXX XXXX. Your collection agency is reporting an alleged account that does not belong to me. I am demanding account-level documentation to verify this alleged account as mandated by a recent XXXX opinion.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681c ( a ) ( 5 ), 15 USC 1681 ( b ) ( a ) ( 2 ), 15 USC 1681s-2, ,15 USC 1681 section 602 ( A ) ,15 USC 1681 604 ( 2 ) : XXXX ( no account number available ) XXXX XXXX XXXX  NA ( no account number available )
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2021 I open a Citi Priority Checking Account with Citi Bank. The terms was for me to deposit {$50000.00} into this account and maintain that amount for 60 days to receive program rewards of {$700.00} dollars. I comply for 4 mounts until closing the account on XXXX of 2021, due to customer service told me on two different occasion that I would receive the program rewards of {$700.00} dollars on XX/XX/XXXX and XX/XX/XXXX of 2021 which I acknowledge I was being lied too by their customer services. Therefore I file a compliant with Citi Bank regarding this matter and was told by their investigation department that I did not qualify for the program reward. Upon opening this account I was charged ATM fees of {$3.00} dollars on two occasion and never reimbursed nor was I provided a code number to activate the program rewards for the Citi Priority checking account and not provided any welcome packet to understand my legal rights nor the terms. I fell that I was taken advantage of due to the fact I maintain {$50000.00} for more than 60 days and lied to on serval occasion nor reimbursed for ATM fees totaling {$7.00} dollars. XXXX XXXX score was never consistence with the three Credit Bureau as today.
Complaint sub-issue: Reinserted previously deleted info

I am desputing a debt that was put in my name, that should be in my father 's name. I am XXXX XXXX XXXX my dad is XXXX XXXX XXXX. I am including my fathers birth certificate. I am not liable for this debt, it is not the first time they put fraudulent debt on my my credit that belongs to my dad. I was still in high school, I was not working to pay for the XXXX XXXX bill that was my dad 's responsibility. This was previously removed and has been added again when it should never have been there in the first place. Please remove the following debt listed below from my credit report. My email is, XXXXXXXXXXXX. You can respond to this email address. Thank You for your understanding. 

Sincerely, XXXX XXXX IC Systems XXXX XXXX XXXX, 2016. This is for a XXXX XXXX bill of XXXX, that my father 's owe. This is debt was removed and added again, when it never should of been on my report, Please have it removed again.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
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 XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX US Department of ED # XXXX 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 states a consumer reporting agencu 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 7 years.

15 U.S.C. 1681s-2 ( 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
Complaint sub-issue: Debt is not yours

In XX/XX/XXXX, National Recovery, a debt collector on behalf of XXXX XXXX, reported to all three credit bureaus that I was in default on a debt of {$240.00}. This is not true. 

I contacted National Recovery and informed them I never lived at the address in question. I provided proof. They stated they would investigate and I should submit a dispute to the bureaus. 

I submitted the dispute XX/XX/XXXX. At the end of XX/XX/XXXX National Recovery had removed their listing from XXXX  and XXXX  yet they continued to report on XXXX. 

I sent them a 93A Demand notice via certified mail informing them of their attempts to collect a debt not owed and illegal reporting on XXXX. They refused to reply or remove the account. 

I sent them a second 93A Demand notice via certified mail XX/XX/XXXX. They again refused to reply or remove the listing from XXXX. 

I sent in two other disputes to XXXX  informing them the account is not mine. National Recovery replied to XXXX  informing them the debt was " Valid ''.

I did not live at this address during the time of the utility default. I do not owe on this account. National Recovery is attempting to collect on a fraudulent account for a debt not owed.
Complaint sub-issue: Reporting company used your report improperly

My credit reporting companies have unlawfully removed one of my furnished revolving credit accounts or have not furnished the revolving credit account on my report more than 30 days after having confirmed receiving the account information from the creditor XXXX Account # XXXX. This account has been removed from EQUIFAX and XXXX and XXXX have not added this revolving account to my report as required by law. They have also violated my rights by doing this under 15. U.S.C 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I sent a letter to Equifax and XXXX through certified mail. Tracking # XXXX to XXXX. Tracking # XXXX to Equifax. It was received XX/XX/XXXX and XXXX. In the letter I stated I had a filed an FTC Identity Theft report for a fraudulent item on my credit report. A XXXX XXXX Account was fraudulently placed on my report. In the certified mail I included a copy of a completed FTC Identity Theft Report, letter stating the issue, Copy of Social Security number and Copy of Driver 's license to verify my identity. I called to ensure delivery of items. According to sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked and deleted. Equifax and XXXX has failed to comply with the law.
Complaint sub-issue: Debt was result of identity theft

I received a copy of my credit report and noticed that I had a collection account that does not belong to me. This account is not valid and should be removed from my credit report. I have disputed this account with the collection agency in XX/XX/2020 and they have not validated the account. This account is with EOS CCA in the amount of {$990.00}. I need to have this removed from my credit immediately.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Square Customer service agents do not understand enough English to properly process a a simple disputed merchant charge on the card. 

My original filed written dispute clearly states the following : Merchant Name : XXXX XXXX XXXX XXXX Order Number : - XXXX Transaction Date : XX/XX/2021 Transaction Amount : {$19.00} Reason for dispute : Received Defective Product Square 's first customer service agent just cut and pasted in their response were the agent requested that exact information again, which means their agents are either not reading or not understanding simple straightforward English. 

Then, the second agent, thought the complaint was for a product that was not received yet, so cut and pasted in a request for all of the shipping information and so on, again indicating their agents are either not reading or not understanding simple straightforward English, because a defective product by definition means the product was received. 

This type of horrible customer service should not be allowed, because it makes filing a debit or credit card dispute extremely difficult.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Account # # # # # XXXX {$3900.00} Account # # # # # XXXX. {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Equifax and XXXX XXXX XXXX failed to do a proper investigation I am requesting the procedure of there investigation. Under the FCRA they are required to respond and be 100 % accurate of the debt validation letter 15 U.SC 1681 section 602A States I have a right of privacy 15 U.SC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions Please delete these accounts immediately unless you want to be XXXX {$1000.00} per valetation
Complaint sub-issue: Debt is not yours

I have been contacted via mail and email for a debt that is not real. I called and they gave an address that I never lived at and a debt I never encured. Several attempts and threats to pay {$920.00} with XXXX XXXX XXXX ( current creditor of your original XXXX XXXX Bank ( XXXX ), N.A. account ). I called in XXXX 2021 to file a dispute and they said the incorrect collection attempts would be taken care of. It is now XX/XX/2021 and the emails and mail has returned asking for me to pay ~ XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I am a natural person, i am a living human being I have rights under 15 USC 1681.

Equifax XXXX XXXX XXXX are govern by 15 USC 1681. And they violated my rights numerous times I demand the accounts listed below to be removed because According to 15 USC 1681 ; I have the right to privacy and i did not give equifax XXXX or XXXX written permission to furnish these accounts. 

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 iters 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 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. 


Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Equifax Mortgage  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Equifax Mortgage Service XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Equifax Mortgage Servi XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX Equifax Mortgage XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Mortgage Service XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Equifax Mortgage Servi 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 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.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fare credit report act the list of accounts listed below have violated my federally protected consumer rights to privacy under the 15 USC 1681. XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC section 602 states u have the right to privacy. 15 USC 1681 section 604 A stars a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account status incorrect

We have a car that was repossessed by XXXX XXXX XXXX on XX/XX/XXXX. They sold the car & I agreed to pay the diffrence of the loan.. I PAID OFF the balance since XX/XX/XXXX. XXXX promised me on the letter that they sent me on last quarter of XX/XX/XXXX that they will REMOVED it from my credit report if its already paid off ... It was paid off since XX/XX/XXXX but still in my credit report ....