Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a bunch of hard inquiries in my account that were not made by myself. I called all three credit reports and they suggested I make an FTC report. 

New Inquiry Reported By XXXX XXXX XXXX XXXX  Reported On XX/XX/2022 Reported By XXXX XXXX Reported On XX/XX/2022 Reported By XXXX Reported On XX/XX/2022 Reported By XXXX XXXX Reported On XX/XX/2022 Reported By XXXX XXXX XXXX  Reported On XX/XX/2022 Reported By XXXX XXXX XXXX Reported On XX/XX/2022 Reported By XXXX  XXXX  Reported On XX/XX/2022 Reported By XXXX  Reported On XX/XX/2022 Reported By XXXX  XXXX  XXXX  Reported On 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 XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have reviewed A copy of my consumer reports with XXXX, XXXX and Equifax and have noticed an account from XXXX has reported as charged off and reported A balance. Back in XXXX I had A XXXX television and sound tower financed threw XXXX XXXX and with the purchase I had insurance with covered the items I leased in the event they where stolen.. On XX/XX/XXXX my home was broken into and the items I leased from the above company was stolen. As A result I filed A police report and informed them immediately that I no longer had the items. I was informed I would have to provide A police report to have the account paid by the insurance and closed out as paid in full. I first submitted the report the incident report on XX/XX/XXXX and was contacted later and informed they could not use the incident report and needed the actual police report. I then reached out and informed them the police had informed me I would have to wait on the report via mail and after I received it I would send those documents. On XX/XX/XXXX In sent the police report via mail and called to advise it was on the way. On XX/XX/XXXX I called again and was informed they had not received the report. This time I went into the local XXXX XXXX XXXX in which XXXX XXXX is located and provided them A hard coppy of the report and was informed it was be uploaded to my file. 3 Years later I am reviewing my report and notice the account has never been updated as paid in full and instead is listed as A charge off. This is illegal and A violation to FCRA to report inaccurate information. then reached out to XXXX XXXX On tuesday XX/XX/XXXX via phone explained this situation and he informed me to email him A copy of the report and he would foward it to the correct person. He informed me I would hear something back within 48 business hours and I have not recieved any sort of update A week later. Ib ahev subnmitted A dispute with the consumer reporting agencies ith this information coming back as verified although it is truly an account that should not be on my credit report. I have attached the copy of the police report below along with the communication I have had with XXXX at XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act these creditors have violated my rights. Under 15 USC 1681 Section 6 o 2 states I have the right to privacy. 15 USC 1681 Section 6 o 4a Section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b 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: Threatened or suggested your credit would be damaged

I received an email today from a company I have never had any contact with and they claim I owe money to XXXX XXXX. I have not now or in the past had an account with XXXX XXXX in any state since before XXXX of XXXX  and do not currently have an account. I left in a friendly manner before XXXX  and owed nothing to them, no loans, no credit cards or any other outstanding account to create an outstanding bill. I left XXXX  because of their incompetence but owed them nothing. There are over 26 thousand XXXX XXXX in this country. 

Their means of contact do not work, phone disconnected, email returned and no information to contact them. 
The company ( if real ) is " TrueAccord '' XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. 

This attempt to collect a debt not owed through force and fear, a crime. Further, it is in violation of 15 USC 41 ; sec 1681, et. seq. 

Simply put, this is a dishonest company trying to extort money.
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$500.00} UNIVERSITY OF XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED 1XXXX {$0.00}
Complaint sub-issue: Account information incorrect

there not reporting my XXXX XXXX account to credit bureau
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS AND INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Problem using a debit or ATM card

on XX/XX/2022 east West Bank send me a text that someone is trying to use my debt card in north Carolina at XXXX for XXXX XXXX dollars then east west bank call me and I said its not me I am in my home town so the charge did not go through told bank to stop all charges I call bank immediately that night and they said someone had already spent {$6500.00} at XXXX store in Texas but it did not go through then they call me back next morning saying it was process with other charges of {$5000.00} + {$5000.00} they said not to worry these wire transfer didn't go through in the amount of {$10000.00} this was on XXXX 2022 but East West Bank allowed a separate wire transfer of {$8300.00} to go through they let go because its the only way to reimburse us I have called bank a hundred times and they keep saying I can't speak to their fraud Department only my branch I can speak with about my account charges that was fraudulent they have been stringing me along until now no answers as yet I hope I can get some help thanks.
Complaint sub-issue: Account terms

I mailed Equifax and never received a response. My credit report shows unknown for a collection. This violates FCRA
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the JXX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Information belongs to someone else

FCRA violations : payments never late XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Information is not mine

I have tried repeatedly to have the account ( Not Reported # XXXX ) removed from my credit report. I have no idea what this collection is and the reporting agency has been completely deceptive in reporting it. There is no name on account, no reference to what it is and they have NOT contacted me or responded to my repeated request to verify the obligation or remove it from my credit report. I firmly believe that Equifax has intentionally not responded and continues to report it fraudulently.
Complaint sub-issue: Need information about your loan balance or loan terms

I have never attended college. I have a loan that surprised me for {$100000.00} with XXXX. When I call they can not tell me where this loan originated from, which school the money was dispersed to, or which student the money is linked to. 

When I call the XXXX XXXX XXXX XXXX they state that this loan was one loan for {$75000.00}. There is no master promissory note or documentation assigned to this loan. They also can not tell me where the money was dispersed to, which student it is linked to, or where the loan originated from.
Complaint sub-issue: Information belongs to someone else

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.
Complaint sub-issue: Personal information incorrect

There is an address listed on my credit file with Equifax that I have been trying to get removed. I have never lived at that address or used that address for anything. I do not know why they continue to report it. If they show wrong addresses what else does that say about their investigation.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00}
Complaint sub-issue: Used obscene, profane, or other abusive language

I was contacted at my new place of employment, but was busy at the time. My coworker took a message. The name XXXX was left and a number. My coworker asked if it was a business call or personal call because we can not accept personal calls while at work. XXXX said it was business. Im a branch Manager, but didnt get around to returning XXXX call. The next day I was out of work, and XXXX called. My coworker told XXXX I wasnt there. XXXX asked to speak to the manager, and my coworker explained that I wasnt in. XXXX then began harassing my coworker for more information as to contact numbers within the company that my coworker doesnt have access to being I am the branch manager and those needs are handled through me. XXXX also explained she needed to speak with me and left the name of her company. This was not only embarrassing, but hurtful to my employment being I work in money services and have had the same debt collector call consecutive days. My cell phone is not out of service, and my voicemail is set up and not full. I have been reprimanded at work for not only having personal calls come through, which XXXX was deceptive about on day one, but for having my coworker feel harassed on her job.
Complaint sub-issue: Their investigation did not fix an error on your report

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Complaint sub-issue: Used obscene, profane, or other abusive language

I got a text from the number XXXX saying a document delivery for me was scheduled for XX/XX/2021. If I wanted to redirect the delivery, I could call XXXX Reference number XXXX. I called the number and a man by the name of XXXX picked up and informed me he was XXXX from Crestwood Mangagement out of XXXX, AZ and I owed {$400.00} to a place called XXXX XXXX XXXX  I told him I had never heard of the place and I knew this was a scam. Apparently, he knew someone I was married to about 20 years ago because he said her name. I asked him where XXXX XXXX XXXX  was located and which store I supposedly took out this loan was and he just told me they had many locations throughout the U.S. I informed him, I was going to report him and that I was a former military police officer and I knew he was a scammer. Also, I contacted the XXXX  and they informed me Crestwood Management was out of XXXX, OH. I have never never heard of, or done business with a XXXX XXXX XXXX to my knowledge.
Complaint sub-issue: Account information incorrect

XXXX, XXXX, AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT # : XXXX -- -> {$1800.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Credit bureaus reporting XXXX XXXX XXXX FOR {$880.00}. I sent my first dispute letter to all 3 credit bureaus on XX/XX/2020, the 2nd letter on XX/XX/2020, XXXX letter XX/XX/2020 and 4th letter sent on XX/XX/2020. Each letter sent was certified mail with affidavits attaches each time. I was challenging the validity of account for a XXXX XXXX account. I started with the credit bureaus ask them to validate the information and every time they stated correct but never provided any information just would update the remarks on credit report as meets standards. I also reached out to the collection company filing a debt verification on XX/XX/2020 and asked them to verify the debt but after 30 days no response from XXXX XXXX. Attached you will tracking information of letter being sent certified to XXXX XXXX  with return receipt. while looking at my accounts I noticed that the " Dates Open : varied on credit report and " Dates last active '' also vary on my credit report. I believe I have exhausted all my resources and have not received a sufficient response from collection agency or credit bureaus. At any point during my request has anyone provided any information or updated me properly on what was found so I could understand why this account is valid. At this point I'm trying to purchase a home and improve my credit situation but as I reach out to the credit bureaus I have receive no assistance.
Complaint sub-issue: Account status incorrect

There is a XXXX account on my credit report that should not be there. I talked with XXXX and they said they dont report to the credit bureau and not sure why it is on there. I have tried for years to get this negative item off my report but no luck
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the inquiry that is still reporting on my account : XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. XXXX XX/XX/2020
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Allied Interstate has contacted me via mail and telephone to collect on what I can only assume is my student loan. This is a problem as my loan is on a Federal government calculated payment plan of {$0.00} per month. I was called on XX/XX/XXXX, from XXXX ( XXXX ) XXXX, and I spent 11 minutes on the phone with the individual. I had to ask them repeatedly, taking about ten minutes to get an answer, for the name of the company they were calling on the behalf of. I was called on XX/XX/XXXX, from XXXX ( XXXX ) XXXX, and I spent almost a minute trying to get the name of the company from the caller. I wasn't told the name of the company that the individual was calling for. They are spoofing their location, to appear close to my location. One of the many calls not cited above, I answered by saying, " You do realize that spoofing your location to look like you're close to me makes you look quite XXXX, right? '' The man responded by asking me something like, " Wait, you're not in XXXX, CA? '' That's quite indicative of them thinking that I'm in California, and that they want me to think that they are too. The paperwork they have sent me has a request for {$11000.00}. I have repeatedly asked for proof that they own this debt, and they have repeatedly ignored my request. I refuse to hand over my payment information to a company that can not prove that I am in debt to them. I have also received calls from XXXX, CA ; XXXX, CA ; XXXX, UT ; and XXXX, CA. I refuse to answer these calls, as Allied Interstate refuses to prove that I am legally owe them money.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I've been working with this account for awhile and everything was going good as i am on a credit payment plan. I was almost a XXXX on my score. I noticed i dropped 36 points. This company Enhanced Recocovery Company has not tried to reach me nor call me when they have my updated information. All was being paid by another collection agency. I feel like i am back to square one.
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX, 2017 Equifax Information Services. LLC, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX : Please be advised that as a result of my continual efforts to get my credit bureau file corrected, the following issues have not been adjusted : 1 ) XXXX XXXX is still showing a balance on my account. I have attached my communications with XXXX XXXX ( see attachments ) since my last dispute, however XXXX is the only party not removing their account from my credit file. Based on my opinion this appears to be a form of EXTORTION. I had someone dumped into my credit file and XXXX rectified that issue, except for the charge offs. I have gotten all the charge offs removed except XXXX. Please note that only my name can be used to apply information to my credit file and I recently had a fraud alert placed on the account. This issue has created a hardship for me in many ways, including much higher premiums that are not justified! If necessary I have the original envelope and letter that can be scanned and forwarded electronically, that backs up my claim. Please let me know if this is required. 2 ) There are closed accounts still showing from years ago. 3 ) Recently, I used {$500.00} to {$600.00} in credit card usage, well within my credit limit, and suffered a 30 point credit score loss. It was paid within the allowable timeframe and has not been readjusted to the original credit score. Is someone trying to extort something? Please review my issues above and correct my credit file and credit score to more accurately reflect my payment history and credit standing.
Complaint sub-issue: Need information about your loan balance or loan terms

MOHELA has reviewed my Public Student Loan Forgiveness Application. I received a letter from them today, indicating that my employer did not complete their paperwork to certify my employment correctly. I went back through paperwork from all employers, since MOHELA did not specify each one, and everything looks like it was done appropriately. The letter provides a phone number to call and dispute the outcome. I spent an hour trying to get through to anyone, and a message comes up indicating that they can not take any calls at this time. I'm not sure how I'm supposed to dispute the claim when the agency refuses to talk to anyone. 

Some of us have discussed a class-action lawsuit or something similar if MOHELA continues to not assist with disputes. Please feel free to contact me for more information. 

Thank you, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are several accounts on my credit file that I did not open. I'm not sure how these companies allowed someone to open accounts without my consent. I would like for the several companies to please provide CFPB and myself the applications used to obtain credit and along with a copy of the identification that was used. Equifax, XXXX  and XXXX has reported this information to my credit file in error. The account are as follows:  XXXX/XXXX/XXXX XXXX/XXXX/XXXX , XXXX XXXX, XXXX XXXX(2 accounts), XXXX XXXX XXXX and XXXX XXXX XXXX. Also there are many inquiries on my credit report as well please remove them as well from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX.