Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record

I received a copy of my credit report, and found out it reported a public record of a Chapter XXXX bankruptcy case # XXXX reported by Texas Federal Court. I contacted the Texas Federal Court in reference to them reporting a bankruptcy on my credit report, and they informed me that they did not report bankruptcies to credit bureaus. They also informed me that credit bureaus get their information through third party sources such as XXXX XXXX who only does electronic verifications. I asked them to verify if XXXX XXXX filed a bankruptcy, and they informed me that an XXXX XXXX filed a bankruptcy, but they could not verify it because the social security number I provided them did not match. 
Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must:1. Provide complete and accurate information to the credit reporting agencies ; XXXX. Investigate consumer disputes received from credit reporting agencies ; 3. Correct, delete, or verify information within 30 days of receipt of a dispute ; and,4. Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. 
Based on the Fair Credit Reporting Act, A furnisher of negative information must notify the person that they are reporting negative information on his or her credit report. Second, the furnisher must report accurate and factual information to the credit reporting agency. The Texas Federal Court informed me that they did not report bankruptcies to the credit reporting agencies. They did inform me that a bankruptcy filing was public record, and that a person that certain information such as a social security number is redacted from their files. Therefore, no one can accurately determine if they have the correct person who filed a bankruptcy. 
Desired outcome is for the credit reporting agency to remove the public record they are reporting on my credit report because they do not have accurate information to determine that I filed a Chapter XXXX Bankruptcy with a case number of XXXX. 
It is a violation of the Fair Credit Reporting Act, and under the Fair Credit Reporting Act credit reporting companies have to take MAXIUM steps to ensure their information is ACCURATE. If I ca n't be provided proof by them, they must DELETE what they are reporting from my credit profile.
Complaint sub-issue: Account status incorrect

XX/XX/2018 XXXX XXXX XXXX XXXX has been paid in full I am no longer responsible for this debt.
Complaint sub-issue: Other problem getting your report or credit score

I work with two companies why is my credit score only going up on point, I am a client of XXXX XXXX and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up 1 point, that leaves me very concerned.
Complaint sub-issue: Reporting company used your report improperly

I xxxx xxxxxx the natural person who is currently of age of majority would like to validate the information listed above is accurate and herby would like to address several violations that have occurred between the creditor and Experian in violation 15 U. S. C 1681c Requirements relating to information contained in consumer reports States Information excluded from consumer reports except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Fact, ( 1 ) Cases under title 11 of the United States Code or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

Facts, 15 U.S.C 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission pf a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a debt- Fact, The Fair Debt Collection Practice was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors.

I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report due to Experian has willfully violated several of my rights I am requesting for all related information to be removed. 

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report Chapter XXXX Bankruptcy XXXX XXXX : xxxxxxxxxxx Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Complaint sub-issue: Information belongs to someone else

Company is falsely showing 20 credit inquiries and Im a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

XXXX amount {$5900.00} showing that this account is open and past due. This is not correct. 

XXXX XXXXt XXXX XXXX  ) {$1300.00} showing a past due balance. This is not even my account. 

XXXX XXXX {$1000.00} showing a past due balance. This doesnt belong to me. 

XXXX {$120.00} showing a past due balance. I never had an account with this company. 

I have submitted several letters requesting the inaccurate information removed from my credit report. I have asked for proof that these items belong to me and they have failed to provide me with documentation. 

Please see the credit report attached with the items circled.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Customer ID Number : XXXX Loan Number : XXXX I would like the XXXX XXXX 60 day late payment on account XXXX ( Sallie Mae ) -- to be removed. This is a clear inaccuracy. Sallie Mae is reporting to the credit bureaus that i am on time and paid as agreed for XX/XX/2019 but 60 days late for XX/XX/2019. THERE ARE ONLY 30 DAYS IN A MONTH. HOW CAN I BE 60 DAYS LATE IN ONE MONTH. Please update it to the correct reporting or delete the CLEAR INACCURACY.

To Whom it May Concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Sallie Mae for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, 3 years ago, I was in a financial dilemma due to my health issues and hospitalization. As a result, 1 of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I paid the 60 days late payment on one occasion over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your com
pany but now the 1 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work and lease a new apartment, but the negative remarks are hurting my efforts. The negative remarks stop all chances of me obtaining my goal. I have been constantly denied from any and all credit products such as loans, credit cards, and even apartment leases. 



This is where my Goodwill Request comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF- Universals Data Form and fax it to the credit bureaus to remove those entries. 



The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 



King Regards, XXXX XXXX
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

My score dropped XXXX points for a card remark from XXXX card service which I never had or used. Status shows as closed by grantor with no apparent use. 
Need this remark removed from my scores from XXXX and equifax. incorrect information on my credit report.
Complaint sub-issue: Debt was result of identity theft

I was recently trying to get a loan for bills and couldnt do to my credit so I had gotten my credit score looked at and seen that I have XXXX XXXX on my debt saying the account was open XX/XX/XXXX thats around the time my belongings were lost in grey hound I am an victim of identity theft and recently got my items stolen from on XX/XX/XXXX I have gotten a police report for theft so now all my information is out there once agin including Id social security card debit cards I had to cancel and my check stubs with my job info The amount in debt owed is {$690.00} Current creditor : JEFFERSON CAPITAL SYSTEMS LLC
Complaint sub-issue: Their investigation did not fix an error on your report

I recently disputed a bankruptcy with LexisNexis and they were not able to verify this information so they deleted this Bankruptcy from their records. I took the letter they sent me and I opened a dispute with XXXX and XXXX by mail. They both came back stating that the bankruptcy was verified by LexisNexis. Both companies also told me that LexisNexis needs to send them a letter stating they have removed the Bankruptcy from their records. I called LexisNexis and they told me they don't do that. When I called both XXXX and XXXX to tell them what LexisNexis said, they BOTH said that this is the only way they can verify that this Bankruptcy has been removed. I'm asking that LexisNexis report the bankruptcy removal to XXXX and XXXX and send me a letter confirming they did that. Their false reporting is in direct violation of my FCRA rights and has caused me years of stress and my mental health has declined and has caused me to pay extremely high interest rates and has prevented me from buying a home. I'm currently in communication with an FCRA Consumer Lawyer to go over my options with all three companies.
Complaint sub-issue: Personal information incorrect

The address, birth date and employer name on my equifax credit report seems wrong. I am in the process of changing my apartment and when they tried to pull up my information from equifax, it showed the wrong birthdate, address and employment information.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, XXXX  did not delete as requested and just updated the accounts for The Bureaus Inc. As relevant proof I disputed these The Bureaus Inc accounts with XXXX  XXXX since XXXX  had a different name reporting along with my other personal information, as a result XXXX  deleted the erroneous The Bureaus Inc accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.
Complaint sub-issue: Information belongs to someone else

On XX/XX/20, I contacted by phone XXXX XXXX XXXX XXXX and XXXX/XXXX about these accounts being opened due to identity theft. Both reps were able to close the accounts.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

XX/XX/2020, my COVID-related benefits unexpectedly halted and paused my primary source of income. Discover contacted me within the same month and I conveyed clearly my financial situation, however still coerced {$180.00} to be debited from my bank before the end of that month. Again, I was very clear about the uncertainty of income and could not confirm having that amount available by then. 

The scheduled payment was inevitably denied. Since then, the company has called up to 6 times a day ( excluding Sundays ) and has relentlessly filled my personal voicemail box ; rendering it as unusable during the length of our national emergency.
Complaint sub-issue: Information belongs to someone else

I recently disputed these items and was told I needed to file an Identity Theft report with my local police department in order to get them removed because it is an Identity Theft Issue. I disputed the items and now have the report and it still hasn't been updated and removed and I am in the process of trying to get pre approved for buying a home for my family.
Complaint sub-issue: Their investigation did not fix an error on your report

Had XXXX XXXX  put the same account on my report XXXX separate times at the same time for XXXX account. I called them and paid what the XXXX company didnt back in 2019. XXXX and XXXX took it right off. Eqifax refuses to and the last time told me to call the police and file charges. What that isnt possible when its not a fraudulent item. They now have an account showing late that was paid in full XX/XX/XXXX and refinanced with never having a late payment. Eqifax says I missed my XXXX payment and I had already made a payment to the new creditor in XXXX.
Complaint sub-issue: Debt is not yours

XX/XX/20 VANCE AND HUFFMAN LLC I have never done business with nor did I have a written agreement to make any payment to them. Company is stating I owe them {$1100.00}.
Complaint sub-issue: Problem getting your free annual credit report

I requested my free Equifax credit report online at XXXX on XX/XX/XXXX but the website responded " Online Delivery Unavailable ''. Again I requested my free Equifax credit report online at XXXX on XX/XX/XXXX but the website again responded " Online Delivery Unavailable ''. I don't understand this because Equifax DID deliver my free report ONLINE back on XX/XX/XXXX. Also, I never have a problem getting the reports online from XXXX and XXXX. 

Equifax says alternative is to request my report via USPS Mail. I do not wish to send my sensitive private data via USPS Mail as required in the request. Nor do I wish to receive my sensitive private data ( the free report ) via USPS Mail. Privacy issues. 

Bottom line, I can't get the Equifax report online, while I CAN get them online from both XXXX and XXXX. 

See attached screens related to Equifax
Complaint sub-issue: Their investigation did not fix an error on your report

THERE IS A LAB COLLECTION THAT IS NOT MINE
Complaint sub-issue: Information belongs to someone else

After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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 {$390.00} XXXX  XXXX  XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$980.00}
Complaint sub-issue: Their investigation did not fix an error on your report

For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the  XXXX  credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until  XXXX  2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).   XXXX   and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.
Complaint sub-issue: Account information incorrect

The credit bureaus are reporting inaccurate information on my credit report
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SP XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instruction. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.
Complaint sub-issue: Account information incorrect

XXXX  XXXX # XXXX is reporting a charge off with a balance to my credit that should not be on there. I have already settled this account and they are still reporting a balance and will not update. This is a violation and I want it updated or removed.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.. 

I have not given Equifax permission to access my credit profile and Equifax have no permissible purpose by law to contact third parties with my private or personal information. Equifax offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Equifax have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 


Equifax also DO NOT have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


As a consumer, I am demanding a deletion of the following account. As of this moment, Equifax have NOT done their duty mandated under the law. Equifax inaction in this matter is inexcusable, and their disregard for the law is contemptible. Rest assured, I will hold them accountable. I did not have to go this far with the other bureaus because BOTH XXXX and XXXX have complied with the law and have REMOVED this account from my reports permanently months ago. XXXX removed this account XX/XX/XXXX and XXXX deleted this account XX/XX/XXXX. I also will attach proof of these deletions in this complaint. So Equifax also is in violation of Metro-2 compliance because Equifax is the only bureau that is deciding to report this inaccurate information after it had already been deleted previously. Just for the record, the following information is being erroneously included on my credit report, as I have advised you on several separate occasions. 


1. The following account is NOT MINE XXXX Account number : XXXX Please remove it from my credit report. 


This account which is not metro 2 compliant should have been deleted for not following the industry standard required to maintain maximum possible accuracy. Accounts SHOULD BE BOTH 100 % ACCURATE AND COMPLETE but ARE NOT ACCURATE AND COMPLETE. This has been an utter failure to follow your reasonable procedures required by 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) and ( ii ). 

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE. Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving Equifax, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.
Complaint sub-issue: Information belongs to someone else

affiant is aware and has proof that Equifax is in violation of USC 1681c-2. ( a ) ( 2 ).
Complaint sub-issue: Was not notified of investigation status or results

I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.