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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In accordance with the fair credit reporting act : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. They have not sent me any paperwork showing how these accounts account are " verified " to be mine. They have had plenty of time to prove to me how these accounts are mine. I have been trying to dispute these charges and have them removed from my credit report but to no avail. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please help me with this issue that is detrimental to my credit health and my livelihood. Thank you for all you do.
Complaint sub-issue: Their investigation did not fix an error on your report

I have several inquiries on my report that DOES NOT belong to me. I have called the actual company and they have no record of me. i have written to the 3 bureaus and asked them to remove or verify the inquiry. Here is the inquiry : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

Lion loans says I owe them {$460.00} but when I went onto my account it says it was paid in XXXX I feel like everything on my account is incorrect I have XXXX Apartments on there and it says I owe them {$1300.00} something like that but that's false my mother was living there in XXXX I was not living there I was living with my grandmother with my son she use my name I had just turned XXXX now that I'm grown I'm trying to find me somewhere to go because I am homeless with XXXX children and I filled out so many apartment applications and I got denied because of my credit which is not updated then there is XXXX XXXX I do not owe them I went to my account is there was nothing there. Where is XXXX XXXX XXXX I paid that on the XXXX of XXXX I think. I tried to dispute but it was declined I'm not sure if I did it correct. I have goals with my credit. My mother said she paid the XXXX apartment balance of XXXX in something I need that removed or it can go on her credit I have the manager of the apartments to vouch that I did not live there and that is damaging me getting a apartment.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I discovered that {$2000.00} was taken out of my account on XX/XX/XXXX. When I called customer service to see what happened they told me that I had written two checks, # XXXX for {$1500.00} and check # XXXX for {$500.00}. I let them know they were fradulent checks. I asked when those original check numbers went through the first time and was told XX/XX/XXXX. I dont know why the bank allowed the same check numbers to go through twice. They advised me to contact bank manager on next business day and told me they would send an email to them about the situation. I went to the manager,  XXXX XXXX with Bank of the West on 9/10/18. She was uncooperative and very unprofessional and kept telling me that BOTW would not take action, it was up to the bank that received the funds to take action. I went in to BOTW again on XX/XX/XXXX. Completed a notarized affidavit about checks as she still would not take action. Was assured by bank manager she would contact me on status of case on XX/XX/XXXX. On XX/XX/XXXX went back to BOTW with a letter from other bank involved that the fraud issue has been resolved and the funds were returned to BOTW. I was told that I still can not have my money because the BOTW claims department rejected the claim for no police report number. Manager never called me to let me know they didnt receive it. Filed a police report with the other party involved on XX/XX/XXXX and emailed it to BOTW manager on XX/XX/XXXX. I have been a BOTW customer for more than 10 years. I was never contacted by BOTW about ths situation, before the funds were released or after the fraud was reported. I am still currently waiting for the funds to be returned to me.
Complaint sub-issue: Information belongs to someone else

this is my second attempt to get this issue resolved, my first complaint was on XX/XX/2022 the complaint number is XXXX there are collections and inquires on my consumer report from companies that i did not enter into contract with and did not authorize to share my nonpublic information to Equifax. By law Equifax is to exercise its grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. They are not doing so and are violating my rights to not have my nonpublic information being disclosed to the public. They also violated my consumer right to have these items blocked and deleted in XXXX days by law.
Complaint sub-issue: Debt is not yours

****SEE ATTACHMENT*** PLEASE - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX  XXXX  XXXX  for code of ethics violations.
Complaint sub-issue: Information belongs to someone else

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I contacted the police locally and FTC. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX   XXXX, XXXX XXXX. And these inquiries are not mine either : XXXX XXXX XXXX, XXXX XXXX .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

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response. I feel as though I'm being taken advantage of and ignored about the disputes I presented. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress endured from you.
Complaint sub-issue: Debt is not yours

Beginning XX/XX/XXXX as I began apartment hunting, I ordered my credit report and noticed a charge from " Hunter-Warfield, inc. '' a debt collector, that was placed on XX/XX/XXXX, on all XXXX of my credit reports. I was not aware of this debt and knew I did not owe it. I disputed this charge with Equifax and Transunion. The debt was declared valid since I did not include any supporting documents. I contacted " Hunter Warfield '' via the number on file. The representative stated the charges came from " XXXX XXXX '' aka " XXXX XXXX. '' The rep stated that the company only had to show a lease to prove this was a legitimate debt and have it placed on my credit reports. ( After learning who had placed this charge, I was able to determine what documents I needed to show ) I explained to the rep. that I have court documents to prove that I owed a XXXX balance, and that this charge was not a legitimate debt, and that it was " falsely '' placed on my credit report. I sent the court documents via email on XXXX, XXXX, XXXX to " Hunter Warfield , inc . The rep. verified that she received the documents, but stated that she had to wait on the company 's response to their inquiry before proceeding to remove the charges. I disagreed due to their falsifying of information initially, but I was left no choice but to allow them to follow the steps they state they are required to follow. However, I feel that no actions may be  taken to remove this false debt from my credit.
Complaint sub-issue: Information belongs to someone else

I received notification on XX/XX/XXXX from XXXX Identity Monitoring services that an account had been opened w/ XXXX XXXX under my SSN and maiden name. I received notification from XXXX shortly after confirming the credit application had been processed. I promptly contacted XXXX XXXX and alerted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on XX/XX/XXXX. I also contacted the ( XXXX ) credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from XXXX during the period of XX/XX/XXXX-XX/XX/XXXX. I contacted XXXX 's compliance department multiple times and provided them with a second copy of the affidavit and police report on XX/XX/XXXX and requested again that they close the account and notify the credit bureaus. I received an email from XXXX on XX/XX/XXXX confirming receipt of all documents and stating they would contact XXXX. I responded on XX/XX/XXXX alerting them to the fact that the delinquent account was shown on my Equifax and XXXX reports as well and that I expected them to remedy the situation w/ all XXXX credit bureaus. I ran my Equifax credit report today ( XX/XX/XXXX ) and the account is still showing as open and delinquent so I contacted XXXX yet again to ask them to close the account on their end and notify Equifax as I requested on XX/XX/XXXX. Customer service representatives at XXXX continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. XXXX 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).
Complaint sub-issue: Information belongs to someone else

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED, IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.
Complaint sub-issue: Problem with product or service terms changing

Despite hours ( in aggregate ) of time spent on the phone trying to get resolution, Equifax refuses to correct an issue with my account on their " myequifax '' service. I require the service to quickly manage credit freezes and unfreezes, which are necessary because Equifax compromised my data in XXXX. Despite verifying my identity manually on the phone multiple times and speaking to multiple customer service representatives both in XX/XX/XXXX and XX/XX/XXXX, Equifax has repeatedly told me that I will " never '' be able to use this online service due to an unspecified " problem which occurred when my account was set up. '' They have refused to detail the exact problem, saying only that it could have ranged from a compatibility issue with the device I was using, to incorrect information entered, to even an unexpected IP address. They have refused to connect me ( either in real-time or off-line via email or phone # ) with technical personnel who could resolve the issue. Instead, they have said I would need to manually call in every time I needed to freeze or unfreeze my account and wait on hold to speak with someone, or, alternatively, use an automated system ( which has also not worked for me ). Lastly, searching online via forums like XXXX, XXXX, and others, this issue appears not be isolated. It seems to have affected many others. 

SPECIFIC ISSUE HISTORY : I first encountered the problem in fall of XXXX. After spending several hours on the phone with Equifax on XX/XX/XXXX, I received an email on XX/XX/XXXX indicating the issue had been fixed. This was blatantly false. Instead, when I needed to again unfreeze my credit report in XX/XX/XXXX, I encountered the same issue. It is unacceptable that Equifax, a large corporation with likely hundreds of employed software engineers, is either unable or unwilling to investigate the problems with my account and either reset the account or resolve the underlying issue in their internal system. It is insult to injury that the only reason I find myself in this situation of having to freeze and unfreeze my report is that Equifax failed to protect my data in the first place. 

On XX/XX/XXXX, after 2 1/2 hours on the phone and having spoken to 3 different customer service representatives about the issue, I was either disconnected or hung up on with no resolution to the problem. 

The account in question is for email address : XXXX ( XXXX XXXX ) The case ID 's in question are : XX/XX/XXXX : Case # XXXX XX/XX/XXXX : - complaint # XXXX - Employee 1 info : Employee ID : XXXX ; name XXXX - Employee 2 info : Employee ID : XXXX name XXXX XXXX Employee 3 info : Employee ID : XXXX name XXXX
Complaint sub-issue: Reporting company used your report improperly

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report . My latest credit report shows XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.
Complaint sub-issue: Information belongs to someone else

I logged into my XXXX  account today to obtain a copy of my 3 bureau credit report. I saw a lot of information on there that does not belong to me. Information I have no knowledge from where it came from. I don't know any of these companies and i have never received any form of goods or services from them. My personal information was used without my permission or knowledge. I am a victim of identity theft and I am taking steps to protect my identity and prevent this from happening again by filing this police report. This is the fraudulent information listen in my credit report ; It ranges from Fraudulent Closed Accounts to Fraudulent Collection Account, Fraudulent Inquiries and Fraudulent Addresses : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Investigation took more than 30 days

The account below : XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$100.00} This account has was disputed on XX/XX/XXXX. Today is XX/XX/XXXX. The investigation has took longer than 30 days. Acccording to FCRA investigation taking longer than 30 days means CRA has has trouble verifying the information. This acocunt needs to be removed ASAP. 

You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) You must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e )
Complaint sub-issue: Attempted to/Collected exempt funds

Husband defaulted on student loans, Allied Interstate began garnishing 15% of his wages. They stated this will happen for XXXX months & on top of that we pay additional XXXX towards loans. It has been XXXX months with garnishment, we have sent all paperwork requested in (even though they sent us wrong form, stated they lost items we sent in, etc.) now that garnishment is supposed to end, they state that they want us to pay XXXX per month instead of XXXX on top of the 15% of wages. We cannot afford this. We can afford the payment, but not along with the hundreds of dollars each month they are collecting - none of which is going towards the student loan balance. They want us to basically start over with garnishment for another XXXX months, but paying  higher additional amount per month on top of garnishment. Now they sent us a new letter as if we were starting over. We are supposed to sign it and return it or else they said we won't be able to rehabilitate the student loans.
Complaint sub-issue: Their investigation did not fix an error on your report

Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach. These inaccurate items have been causing me to have problem obtaining credit from banks. I have asked the bureau to look into these items but nothing has been done. The next step would be for me to seek litigation. I have also provided evidence to show that I am a victim of the Equifax data breach.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021, a mortgage company by the name of XXXX XXXX XXXX ran my credit without my consent and authorization. 

I called the company and they stated they had assumed I had already given consent, which I hadn't. 

I requested they rectify this issue as my credit took a hit due to this inquiry. 
I work very hard on keeping my credit score up and this is simply unlawful.

I have yet to be contacted back.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from Equifax.