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

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$500.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$710.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Investigation took more than 30 days

This is the second time Ive had to deal with Checkr having incorrect information on my background report. I have filed many complaints to them and they do not investigate the inaccuracies. This has resulted in my inability to work for several months. I can not get anything other than form responses back. They are way past the 30 day requirement to work on this. 

They claim to be waiting in county records. The counties claimed, Ive never even been to the States they are in. It is clear they have collated someone elses records with mine, but refuse to investigate my complaint. So I took it upon myself to contact those counties and both reported Checkr was lying to me. Both reported there are no records whatsoever and they havent received a request for records on me. 

In review online of other complaints against the company, it appears they do an investigation when a complaint of inaccurate information is filed. Based on my research, Ive found that I am the sole example of them refusing to conduct an investigation as required by law. The only difference between me and others they are conducting checks on is that I am XXXX. It is the single difference I can find. At this point, the second time this has happened, I believe the company or employees are discriminating against me do to my XXXX. I have no criminal record. Its been approximately 60-90 days this process has been ongoing, with no attempt by Checkr to do as they are required by law.
Complaint sub-issue: Account information incorrect

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ORIGINAL CREDITOR 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 I am writing this COMPLAINT on the following accounts : XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. 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. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The following inquiry below was added to my credit report on XX/XX/2018 and was not authorized by me. I know nothing about this and would like the inquiry removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
Complaint sub-issue: Problem with balance transfer

Citibank XXXX credit card offered 0 % APR on Balance Transfer transaction ( s ) [ 1 or more ] from earlier this spring to next XXXX if they were initiated by XX/XX/XXXX and minimum payments were made on time by the payment due dates. Purchases could still be made in conjunction with the Bal. Transfer balance ( s ) still outstanding and any/all additional pay-ments above the required min. amount due would be applied to those purchase balances that have higher interest rates. Since a XXXX credit card bill when Bal. Transfers 1st posted on a statement along with purchase transactions, i have tried to pay in FULL all of the new purchase charges that also posted on a statement PLUS ( and in ADDiTiON ) the minimum payment to hopefully avoid any interest from occurring OR accruing on my XXXX  account but so far it hasN'T been possible to achieve this objective unfortunately! This is a Citibank manipulation with their payment processing system that i believe is intentionally by design due to the additional payment made above the min. payment NOT being applied entirely/strictly to ONLY those purchase transactions that have posted on the most recent statement, instead of being prorated amongst ALL new purchases, including those that have actually posted on the credit card account, but NOT as of yet on and to a statement!
Complaint sub-issue: Public record information inaccurate

I went to try and get a car and was told there are bankruptcies on my credit. This information is not correct as I have never filed for Bankruptcy ever in my life. Please have bankruptcies removed from my credit immediately.
Complaint sub-issue: Problem getting my free annual report

XXXX and Equifax have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of XXXX Equifax , and XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted XXXX and Equifax come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX immediately.
Complaint sub-issue: Debt was paid

The Bureaus Inc. had purchased a debt from XXXX XXXX that had already been paid. I disputed with XXXX XXXXXXXX about 8 weeks ago. They determined the dispute was valid and repurchased loans from The Bureaus Inc. about 5 weeks ago. The Bureaus Inc. Is still reporting on my credit report from XXXX and XXXX. I filled a dispute via XXXX at the beginning of this month, spoke to a customer service representative from XXXX whom stated, '' The Bureaus Inc have not sent for this account to be deleted '. I 'm in the process of purchasing a home, the tradeline from the bureaus, is avoiding the purchase.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  account XXXX, XXXX  XXXX account XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. 
XXXX XXXX XXXX XXXX {$530.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Yes, I have reached personally to the companies that I do not recognize and to the credit bureau and anything has yet to be resolved as of today.
Complaint sub-issue: Information belongs to someone else

There are fraudulent accounts still reporting to my credit report. Some have been removed already but the following accounts reporting are fraud. Accounts XXXX XXXX Opened XX/XX/XXXX Amount {$16000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount {$22000.00}. These been reported multiple times and proof of fraud have been submitted I've reached out to both banks via email and they both replied and emailed my agreeing those account do not belong to me
Complaint sub-issue: Account information incorrect

Notice, it is a fact, I, the affiant is a consumer and has the right to privacy in accordance with 15 U.S.Code 1692 ( a ). Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, affiant is aware that the amount specified by the original contract is different from what XXXX XXXX is attempting to collect. There is no prior contract which authorizes them to collect the amount, shown in Exhibit ( A ), that XXXX XXXX is attempting to collect and no part of the contract expressly authorized the collection of this amount. This is a violation of 15 U.S.Code 1692f ( 1 ). Notice, it is a fact, affiant is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to { Name of CRA } which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. Exhibit ( A ) shows proof of XXXX U.S.Code 1681b ( a ) ( 2 ) being violated by Equifax, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The account, XXXX XXXX must be removed. Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to XXXX XXXXs abusive and deceptive business practices. Notice, it is a fact, affiant is aware, If judgement is made against XXXX XXXX I, the affiant, can and will pursue class action for the amount of XXXX to 1 % of your company in accordance with 15 U.S.Code 1692k ( a ) ( 2 ) ( B ). I DEMAND these items be removed from my consumer reports immediately.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Discover card took {$200.00} from my bank account as a deposit on a secured card, then never gave me access to the card. They made me get something notarized and I faxed iyt to them. Still nothing. They then said I need to send them 3bank statements, which I sen through the mail. They said they didn't get it. They closed the account and will not give me my deposit back. They say I didn't file a dispute in time. This was a scam from the beginning, my bank says it is
Complaint sub-issue: Old information reappears or never goes away

I have been reporting that my personal information ( personal identifiers ) is reporting incorrectly for the past 5 years, and this company refuses to correct them even when I have provided them with my correct identifiers and police reports, FTC reports and have submitted previous CFPB complaints to prove identity theft. I have also expressed for years that I believe the consistent reporting of my incorrect personal information is a contributing fact to my consistent identity theft issues.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Complaint sub-issue: Their investigation did not fix an error on your report

I've previously disputed inaccurate accounts with Equifax via USPS Certified Mail. While some items were corrected some items still remain inaccurate. I disputed my accounts in good standing because they aren't reported accurately as they should be on a monthly payment frequency. Equifax does not record any of my payments in the historical payment data pattern history on any of my revolving and installment accounts. Equifax records in the comments of my revolving accounts " amount in H/C column is credit limit '', Equifax also reports {$0.00} for H/C amount. This is inaccurate reporting and is damaging to my credit score and report .... Because the comment " amount in H/C column is credit limit '' is found on all my revolving accounts, I will say that this is done blatantly by Equifax credit reporting agency..this is unlawful reporting ... Upon investigation of my dispute directly to Equifax, Equifax credit reporting agency still reports the same inaccurate information for the following revolving accounts. XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  ( Both XXXX  XXXX Accounts )
Complaint sub-issue: Information belongs to someone else

I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information
Complaint sub-issue: Investigation took more than 30 days

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX  XXXX XXXX and myself! Please send the proper validation
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiry reporting on my Credit Report : XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Debt is not yours

I have repeatedly over the last 18 months had a debt that claims to be originated from XXXX  or XXXX XXXX. I do not owe anything to them and completed my contract in full. One of the debt collection companies named afni, inc. has repeatedly added the debt to my credit report in a different amount. I have successfully disputed it several times, yet they eventually add it back for a different amount Everytime. I am in the process of buying a home and this has caused problems with my closing process as well as affecting my mortgage elegibility. The latest amount was added as {$870.00} on XX/XX/XXXX. I do not owe anything to anyone at XXXX  or XXXX XXXX and these small debt collector companies that keep trying to attack my credit report as a form of harassment after I keep getting it removed after a dispute is wrong.
Complaint sub-issue: Information belongs to someone else

I saw a notification from my credit monitoring service today XX/XX/19 saying that there was a Bankruptcy on my credit report ; I had no idea that these things were on my credit because they do not belong to me. I have never filed for Bankruptcy in my life. I have no idea who these accounts belong to ; I believe that this Bankruptcy was clerically filed in error and needs to be removed from my credit report. I have already filed a police report regarding this incorrect information on my credit.
Complaint sub-issue: Account information incorrect

These inquiries are unauthorized, and I have contacted the creditors ... and was informed that you should promptly delete ... and that they will and have not verified this Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide 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.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have send 2 letters with attached requested documents for my identity to Equifax. I have several items reporting incorrectly on my credit report. They always use to send a generated report not proof, no verification no requested documents etc. I have not received any verification or deletions to my recent disputed claims with them. I sent this information via Certified mail. They are failing to provide and proof due by federal mandate. They are reporting inaccurate information, cards that were stolen from me and more.
Complaint sub-issue: Information belongs to someone else

I have tried to remove false debt collections that's reporting on my credit report. Both of these companies are showing inaccurate information on my credit report that I know nothing of. I will share documents below to show the letters I sent to the credit bureaus of the inaccurate information and its still reporting to this day. I also sent letters to XXXX XXXX XXXX and XXXX XXXX of proof of validation and haven't received an respond back on their part. These debt are negatively affecting my report which is affecting my life in many ways. I also provided screenshots of how its showing on my credit reports. All reporting different information. I am a victim of identity theft and I'm writing this to dispute information in my file resulting from the crime. Please remove these collections off my credit report for fraud and inaccurate reporting information as soon as possible. I reported the theft to the Federal Trade Commission and also attached the identity theft affidavit. 

- XXXX XXXX XXXX Account number- XXXX Date opened- XX/XX/XXXX Balance - {$6000.00} ( a month ago it was {$5900.00}. How is a balance still going up for an closed account? ) - XXXX XXXX Account Number- XXXX Date open- XX/XX/XXXX Balance- {$16000.00}
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2022 Re : XXXX XXXX Dear Consumer Financial Protection Bureau, I am appealing to your authority to have XXXX, XXXX and SageStream , LLC to release their addresses, telephone numbers, and fax numbers to me for the purpose of placing security freezes on all data collected by them, concerning me. 

When attempting to process this matter on my own accord by requesting security freezes, XXXX tells me that they are connected to XXXX, which is not altogether true. When contacting XXXX, they state that they are connected to XXXX, which is also not altogether true. 

In particular, I am referring to the inability to receive confirmation letters and/or numbers from both XXXX and XXXX on their respective letterheads stating or showing that my security freeze has been placed. 

XXXX and XXXX both hold personal information on consumers. My rights under FCRA allow me to place security freezes on my credit file upon request. 

XXXX is claiming that they are a part of XXXX for security freezes only, and they refuse to give a confirmation letter to confirm the security freeze took place, or was requested. 

Likewise XXXX claims that they are a part of XXXX for freezing accounts, baring no witness by refusing to provide verification that the XXXX part of the credit report is frozen. 

These are separate entities, holding separate credit reports and allow for separate security freezes. [ XXXX, XXXX, XXXX, XXXX ] Please assist me as soon as possible in obtaining the necessary contact information in order to place security freezes with XXXX and XXXX, therewith, compelling them to follow those well known directives from FCRA. 

Respectfully submitted, XXXX XXXX