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

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

unable to get the information I need to get the identity theft stopped. I have tried to resolve this online. Equifax refused me my credit report and I have never put a freeze or lock on this company. I has several address, social security number and names on my report that do not belong. I am also not able to make so many calls to these companies. I am XXXX and believe that someone has opened false bank accounts in my name as well. I have contacted the FTC and Social Security about this.
Complaint sub-issue: Reporting company used your report improperly

XXXX has provided inaccurate, false and misleading information and representation pursuant to 15 U.S.C. 1692e where it clearly written that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt and involves an attorney on behalf of XXXX and XXXX XXXX XXXX who committed criminal conduct with representing his client and fraudulently acting as a debt collector by injuring his client. Without limiting the general application of the foregoing, the following conduct is a violation of this section. There was never a child support debt and once those fictitious debt were disputed they were deleted because debts dont exist otherwise XXXX would had to validate the debt by producing the contract pursuant to 15 U.S.C . 1692g- validation for debts. XXXX aided and abetting with a criminal organization known as XXXX XXXX XXXX for gain of profits which constitutes that XXXX is not only a financial institution but violates the fdic and ftc rules and guidelines which involves identity theft for altering and selling the social security , card, name and account number. XXXX did not obtain written consent from the consumer pursuant to 15 U.S.C. 1681b-permissble purposes for consumer report which violates 15 U.S.C. 1681c-2-Block of information resulting from identity theft, responsibilities of furnishers of information to consumer reporting agencies pursuant to 15 U.S.C . 1681s-2 which also violates fcra and fdcpa rules and regulations. XXXX has neverproduced any contracts which validates any debts nor do they have permission from the consumer to report any debts. All reports made regarding consumer reports including fraudulent debts, names and addresses are to be cleared immediately from the consumer report and XXXX are in violation of 15 U.S.C. 1681n-Civil liability for willful noncompliance, 15 U.S.C. 1681o-civil liability for negligent noncompliance, 15 U.S.C. 1611-criminal liability for willful and knowing violation, 15 U.S.C. 1692k-civil liability, 15 U.S.C. 1640-civil liability and violation of 15 U.S.C. 1601-truth in lending act. Employees of DHS CSS and Consumer Reporting Agencies will be held accountable for criminal conduct and misconduct. They've violated 18 U.S.C. 1001-falsied information and concealment, 18 U.S.C. 1038-falsifeid information regarding a hoax and 15 U.S.C. 52-dissemination of falsified information
Complaint sub-issue: Problem with personal statement of dispute

I have filed XXXX  XXXX for XXXX XXXX  and paying on the plain. my mortgage is not included in the XXXX  XXXX payment plan I pay that regular. I called XXXX credit agency directly at XXXX and was told that they do not have to report the mortgage to the credit agency. I am pretty sure this is not correct as this is a FDIC insurance back securitized bank. And they are to report all mortgage history accurately what ever the status. I did not file XXXX  XXXX but XXXX, PNC Bank is stating that they can not report until they reaffirm the mortgage. To reaffirm the mortgage means the mortgage is part of the filing of XXXX  XXXX. If that is the case then fraud can occur if mortgages are not reported that makes no sense. I am asking for an investigation to be conducted not this. My car loans that were not part of the XXXX  XXXX reported the payments and that I paid them off. So if that was the case why would they report. So something is not right. I really believe this can be a problem and why mortgage fraud is occurring because if the banks are not reporting it then how would another lending institution know? 

I can be reached on my cell XXXX or email XXXX Respectfully and thank you! 

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

THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX  XXXX XXXX XXXX XXXX 2.XXXX  3.XXXX XXXX XXXX 4.XXXX 5.XXXXXXXX XXXX 6.XXXX XXXX 7.XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern, There are fraudulent inquiries harming my credit report and my life. I have attached my Identity Theft Report as instructed by Equifax. 

Equifax must take it upon themselves to remove these inquiries from my credit immediately. 

The fraudulent inquiries on my report are as follows : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 2021
Complaint sub-issue: Information belongs to someone else

I have never had an account with XXXX XXXX, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account XXXX XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$13000.00} {$410.00} {$18000.00} XX/XX/XXXX PAYS 61-90 DAYS {$5100.00}
Complaint sub-issue: Problem with fees charged

I was charged a property tax for XXXX county when I have never been a resident of XXXX county. The lease holder ( US Bank ) assed it to my account. I have been trying for months to request a copy of the tax bill showing my name as the tax due by me to which I have had no success. I have reached out to every department, I have made every call, submitted in writing all the requests ; all to no avail. I am worried about this impacting my credit. I have reached out to XXXX county for help and they helped me as much as they could. I have been stonewalled by US Bank. Even then supervisor at Personal Property and business license division at the XXXX county department of Tax administration suggested I seek legal counsel in order to get a copy of this bill. A bill that was assessed to my account that is not my charge.
Complaint sub-issue: Their investigation did not fix an error on your report

I have NEVER been past 30 days late on my  XXXX  credit card and all  XXXX  agencies are reporting a late payment, this is wrong
Complaint sub-issue: Investigation took more than 30 days

Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.
Complaint sub-issue: Public record information inaccurate

I applied to multi companies for employment opportunities in the last few years the most recent on last month was shipt. The company these employers for background checks is Checkr. Ive disputed the incorrect information on my report everytime and provide court records reflecting the correct information but the ignore it and continue to inseminate false information to the prospective employers costing me many job opportunities and I dont even know how much In lost income. They reissued the report today after discrediting my dispute.
Complaint sub-issue: Information belongs to someone else

XXXXXXXX XXXX XXXX  continues to report an account that I have previous disputed and sent police reports as well as identity theft packets. This account was previously removed in 2020 when XXXX XXXX XXXX was the collector o behalf of XXXX XXXX XXXX ( also attached ) however it is being repeatedly bought by new debt collection companies even though it is fraudulent. Equifax has been given this information on several occasions yet they have refused to remove this collection after being sent supporting documents showing that this was a result of fraud. I would like to now only file this dispute against both companies for legal documentation but to also get the support of the federal trade commission to help me resolve this issue.
Complaint sub-issue: Problem with personal statement of dispute

My bankruptcy has failed to provide procedure for verification. They are non compliant and has failed to perform a real investigation I contacted United States Bankruptcy Court and they stated they do not release sensitive information about the consumer bankruptcy to the credit bureaus. I am trying to understand why this inaccurate information is still reporting on my credit report .... Failure to provide the procedure.
Complaint sub-issue: Investigation took too long

I am a victim of identity theft. Upon submitting my identity theft packet and police report on XX/XX/2016 to Equifax, they have failed to block the fraudulent information and comply with the Fair Credit Reporting Act. XXXX and XXXX have both blocked the fraudulent information pursuant to the Fair Credit Reporting Act, Section 605B. Equifax is still reporting fraudulent accounts.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I don't have the exact dates but back around XXXX or XXXX I moved into some apartments in XXXX, TX and began to have trouble with staff they ran into my car with a cart I called the police and started having people throw stuff at car but ultimately had to leave had a parent with XXXX to take care of because my mom could no longer care for him she had XXXX. Left the apartment in good condition after staying there for 7 months no property was destroyed. Had one time XXXX XXXX XXXX XXXX XXXX XXXX but it was due to XXXX. I received a call from hunter Warfield collection agency saying they were going to sue me if I did not take care of it, but I received an outrageous bill like property had been destroyed which at the time I had pictures that I had taken before I left. Then now like every one or two days they are increasing the money I owe like they are trying to destroy my credit it's way to old for the amount to be increasing. I think they are literally doing it on purpose I have never seen anything where they increase balance owed every two to three days on credit report monthly maybe but this is illegal.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I sent my first Debt Validation Dispute letter to the credit bureaus, then I followed up and sent a 2nd letter on XX/XX/XXXX because I have yet to receive a response from my debt validation request with my signature proving that I owe this debt. Therefore, I want it removed permanently from all 3 credit bureau reporting agencies. The amount that they claim " I owe '' is {$650.00}.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Equifax To Whom It May Concern : I dispute the validity of XXXX account XXXX. I request a investigation be opened for this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my credit information and report to be accessed by unauthorized parties via a loophole in the computer code, enabling the system to be hacked. Furthermore, they are only offering 1 year of free credit monitoring ( using their own company, mind you ), giving the hackers only a year before they can jump in and use my information. This is incredibly unsettling as I had no choice in Equifax actually having my credit report and now I can not trust anyone with my personal information. I wo n't even talk about how it took over a month for this breach to be released to the public and I also wo n't mention how some executives sold a lot of stock worth millions between the breach and the release of the information to the press. Interesting.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft
Complaint sub-issue: Information belongs to someone else

I own a property in XXXX and bills were going to the home instead of coming to me. The service provider wasn't doing what they were supposed to be doing in sending the bills to where I live which would have alerted me to an issue. We now have had a squatter in the apartment for over year ( as a result of the pandemic ), its been a very expensive process to get them out and they, of course never put the gas in their name. I closed out the first landlord/default account, but because the mail wasn't coming to my home it is my belief I was impersonated or something was mailed in to turn the services on in my name that would have only been available to the person receiving the mail. Now I have the company trying to collect on ME and have over $ XXXX bill I'm trying to dispute with them. We are finally at the stage of going to court for an ejection/eviction but this is being reported to my credit and this is NOT my bill. I have my own home in XXXX where I pay gas and electric +. Gas nor electric were ever included in my properties whenever I rented them.
Complaint sub-issue: Their investigation did not fix an error on your report

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. They have not complied 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 wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX/XXXX/2019 I sent a letter to Discover Financial Services to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Discover Financial Services to pull my credit on XXXX/XXXX/19, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX  as of XXXX/XXXX/2019.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Complaint sub-issue: Information belongs to someone else

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

They have violated my rights and have violate the Fair Credit Reporting Act, Despite several written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly ; but have not provided a reasonable method of verification as required under Section 611 ( a ) ( 7 ). To date, they have NOT provided me a copy of ANY documentation. They are in violations of the following listed below : 15 U.S.C 1691 section 602a-states I have the right to privacy 15 U.S.C 1691 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my instructions. 
15 U.S.C 1692 c : States No Communications without the prior consent of the consumer 15 U.S.C 1692 b : States No Communication without the prior consent of the consumer given directly to the debt collector FCRA Act Section 611 States : gives me the right to request an explanation of the verification method you used.

FACTA act, SEC 312 ( b ) and ( c ) : States to provide Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. )
Complaint sub-issue: Didn't receive terms that were advertised

I received a targeted offer to open a Citi Priority Checking account with the Member AA Miles Checking Offer. The account was opened on XX/XX/XXXX and I received a " Congratulations '' email on XX/XX/XXXX to confirm my enrollment in the offer. To earn the AAdvantage bonus miles of XXXX with a Citi Priority account, I had completed the {$750.00} in Qualifying Citibank Debit or ATM Card Purchases and made 1 or more Qualifying Bill Payments for 2 consecutive calendar months. The bonus should have been credited to my account within 30 calendar dats of the date I completed all required activities so long as my account remained open and in good standing until I received the bonus. I completed the outlined activities by XX/XX/XXXX by spending $ XXXX with my Citi Priority Debit or ATM Card and XX/XX/XXXX I made the second consecutive Qualifying Bill Payment. I contacted support over the phone in XXXX to check on the status of my bonus- as 30 days had elapsed since the completion date of XX/XX/XXXX - I was told that I should expect the bonus to post 60 days after the end of the promotional period. The promotional window was for 60 days, which would mean if I opened my account on XX/XX/XXXX the 60 day period would end on XX/XX/XXXX and allow 60 days processing time to target roughly XX/XX/XXXX. I patiently waited until well after the estimated timeframe and reached out to Citi bank via their secure chat feature on XX/XX/XXXX. I had a very pleasant experience with a representative who confirmed I met the qualifying activity and they would submit a request to have it investigated and credited to my account. I was told to expect a response via the secure message center within 5 business days. I most recently reached out to Citi via the secure chat function on XX/XX/XXXX and asked about a status update. I was told that it was a different department and that I would be contacted when they have completed the investigation with no timeline given on when to expect a response ( at this point I'm guessing much more than 5 business days ). Given my patience and persistent attempts to get a resolution from Citi Bank, I am filing this complaint as the bonus offer was not fulfilled on their end per their advertising.
Complaint sub-issue: Information belongs to someone else

I've recently started applying to buy a home and I've noticed several incorrect things on my credit report. Please see attached details.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted XXXXXXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.
Complaint sub-issue: Problem with personal statement of dispute

I disputed multiple accounts due to invalid inaccurate information reporting. Although the investigation is still in progress, Equifax has sent a response for some of the items listed in my previous dispute/complaint. 

An account on my credit report listed as " XXXX XXXX '' is listed with multiple DATES OF LAST ACTIVITY. Again, this can not be verified or accurate as the DATE OF LAST ACTIVITY should be the same on ALL bureaus as this date determines when the account should be REMOVED from my report. Equifax stated, " it verified this account and all non paid collections will remain on my credit report for 7 years. '' See response attachment. See copy of report with multiple invalid dates listed. Equifax FAILED to provide me with the METHODS OF VERIFICATION. I have requested multiple times that ALL DETAILED METHODS OF VERIFICATION be sent to me as proof that this account was VERIFIED. Verification methods other than the flawed system E-OSCAR and no proof has been sent. I am requesting AGAIN, that all non verified items be DELETED ASAP. Please DO NOT CLOSE THIS COMPLAINT OFF OF A GENERIC RESPONSE. I would like this account properly handled. Thank you for all of your help.
Complaint sub-issue: Information belongs to someone else

I HAVE FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVED THESE ENTRIES OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Complaint sub-issue: Other problem getting your report or credit score

I TRIED TO GET AN UPDATED CREDIT REPORT FROM COMPANY WITH THE NEW SCORES, THEY ARE SENDING OUT FAKE SCORES TO PEOPLE AND THEY HAVE FAILED TO UPDATE CREDIT REPORT XX/XX/2022 ACCORDING TO THEIR WEBSITE.
Complaint sub-issue: Information belongs to someone else

I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Complaint sub-issue: Debt was result of identity theft

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.