Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

All three provide useless telephone contact. To try and get into their reporting via any site they provide a lark, a joke a facade. They do not work. Frankly in my opinion by design!!!!!
Complaint sub-issue: Information belongs to someone else

In XXXX XXXX XXXX, someone stole my identity to borrow {$3600.00} from Preferred Lease to help them pay for their rent. The account is XXXX. It has a {$3600.00} balance and it was closed in XX/XX/2021. Now, the account remains on my credit report as a negative impact on my credit score. I haven't gotten ahold of the fraud department.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX LOXXXX 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 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 XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on GRANT & WEBER INC. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureau investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the lists of the erroneous account reporting on my Credit Report : GRANT & WEBER INC XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have summitted disputes to the credit bureaus about fraudulent activity on my credit reports. I have not been shown any proof that these items were done by me. I have not seen any contracts or signatures. I want these items removed immediately.
Complaint sub-issue: Information belongs to someone else

the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Complaint sub-issue: Information belongs to someone else

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Complaint sub-issue: Account information incorrect

Equifax has consistently reported my mortgage balance information incorrectly. I want it to be corrected
Complaint sub-issue: Reporting company used your report improperly

XXXX, Equifax and XXXX credit reporting agencies or persons has violated the following fair credit reporting act sections on my consumer reports : 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting, 15 U.S. Code 1681e - Compliance procedures- ( a ) Identity and purposes of credit users, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, 15 U.S. Code 1681a - Definitions ; rules of construction, and 15 U.S. Code 1666b - Timing of payments. XXXX is reporting the following accounts and information violating the laws I listed above : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Equifax is reporting the following accounts violating the fair credit reporting act laws listed above : 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 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 XXXX XXXX XXXX account reporting XXXX {$140.00} balance with no creditor or person information. 

XXXX is reporting the following accounts violating the fair credit reporting act laws listed above : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I've also attached the fair credit reporting act laws so the person can read the laws they violated.
Complaint sub-issue: Public record

On XXXX XXXX, 2015 I informed Equifax that the judgment being reported on my credit file was vacated and should be deleted. I received a notice with the above confirmation number that Equifax will not delete it because it is accurate. I have supplied a copy of the docket report showing clearly where it states that the judgment was vacated on XXXX XXXX, 2015. Clearly this investigation is flawed, and/or there is questionable practices being made by Equifax. 
I am making this complaint pursuant to the FCRA, which states that : 621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. ( 1 ) In General. The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer.
Complaint sub-issue: No notice of investigation status/result

On XX/XX/2015 I visited XXXX XXXX Used Car Dealers at XXXX XXXX XXXX, XXXX, XXXX XXXX with a pre-approved {$20000.00} check in hand to purchase a XXXX used Nissan Altima. The sales person ( XXXX ) asked if I wanted to cancel the {$20000.00} pre-approved check from my credit source and apply for a new {$20000.00} loan through XXXX XXXX for perhaps a better interest rate, My answer was no, " I do not ''. This queston and aswer was repeated 5 or more times with the same answer by both parties. I completed paper work to purchace the XXXX XXXX and a day later discovered XXXX XXXX had removed the warrenty and failed to dusclose the vehice had been in an accident. I also discovered XXXX XXXX had illegally slammed my credit report with an inquiry. This illegal inquirey was enough to cause EQUIFAX CREDIT BUREAU TO LOWER MY CREDIT SCORE. I filed a dispute with Equifax and XXXX XXXX and neither will process the dispute to remove the illegal inquiry on my credit report. I also sent written complaint toXXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. My credit score remains lower than it was before XXXX XXXX illegally slammed my credit records. Can you please help? Contact Information : XX/XX/2015 Equifax Information Services LLC Attn : Dispute Department P.O. XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a copy of my credit report. I noticed unauthorized inquires on my report from several creditors. I contacted the creditors and was told to contact the credit bureaus to dispute and remove inquiries. The credit bureaus then told me the creditor can only remove it with a written statement. I then contacted the creditors and was told they do not send written statements to the credit bureaus to remove the inquiries
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 willful negligence and non-compliance with federal statutes.
Complaint sub-issue: Account status incorrect

Equifax 's credit report is constructed in a difficult to understand structure. I want my Equifax credit report to match both my XXXX credit report score of XXXX or XXXX credit report score of XXXX. ALL CREDIT REPORTS SHOULD BE THE SAME.
Complaint sub-issue: Information belongs to someone else

I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously obtained a copy of my credit report and it showed that  XXXX  was a closed account with no balance as the car was sold there was a remaining balance of {$690.00} however  XXXX  sent the account to collection over a year ago. After my husband I divorced this account was keeping him from purchasing a home so he settled the account with the debt collection company and the balance reflected {$0.00}. However after a recent check of my credit the report showed a balance of {$1300.00} I immediately called the credit bureau informed them of the situation and they told me to contact  XXXX . I contacted  XXXX  and because it was sold to a debt collector I was told they no longer handle it. I contacted the bureaus again still no avail they just sent me an updated copy saying the account was verified and updated. I asked them to provide me with the documenation they used to validate this account and they refused, they then sent me another credit report that says my request was not specific enough.
Complaint sub-issue: Account status incorrect

The monthly reporting of my auto loan with XXXX  is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXXfor {$400.00}, which apparently covered myXX/XX/XXXX payment.

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXXand only covered XX/XX/XXXX because of the alleged returned payment. The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXX being 30+ days late on XXXX and XX/XX/XXXX being 30+ days late on XXXX and Equifax There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. XXXX has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXXThis payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX.

There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXXand XX/XX/XXXX Payments. XXXX   shows 30 days lateXX/XX/XXXX andXX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.

The amount of 30+ days late reported are not nearly as much/frequent as XXXX  has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.
Complaint sub-issue: Can't close your account

Its cash app Im trying to transfer my money from old account to the newer account and theyre been trying trying its not working i I told him to close my account send me a check theyre saying yes and Ive been waiting months already I just talked to them they still didnt do that
Complaint sub-issue: Account status incorrect

Reporting XXXX XXXX, Equifax and XXXX about not receiving verification of inquiries on credit report! According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items. MUST BE REMOVED!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Public record information inaccurate

I leased a XX/XX/XXXX XXXX XXXX back in XX/XX/XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XX/XX/XXXX. I appeared in court on XX/XX/XXXX for the Order on the Reaffirmation Agreement. The amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XX/XX/XXXX. The courts approved the Reaffirmation Agreement on XX/XX/XXXX. The XXXX XXXX was then turned in at the XXXX XXXX XXXX in XXXX XXXX, Nevada on XX/XX/XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. XXXX, XXXX, and CBClnnovis are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XX/XX/XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.
Complaint sub-issue: Threatened to sue you for very old debt

XXXX and XXXX, called relatives, called me. Threatened law suit, lein on real estate and personal property not mine. Garnishment of wages and personal bank accounts.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The debt of XXXX was paid on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called Enhanced Recovery Co. to dispute the claim. They told me I have to call XXXX XXXX where it was forwarded. I have already paid off the debt on XX/XX/XXXX, so there is XXXX balance on the particular event that is on my credit history. They are trying to get me to keep paying more money when it is already paid off. I called ( XXXX ). The man on the phone is named " XXXX '' who is from Enhanced Recovery who claims he is a supervisor when he's the original person that answered, he may or may not be. He keeps trying to get me to pay more money for an already paid due. My financial advisor is guiding me and says this is illegal to keep trying to collect money for a debt that was already paid years ago. This guy went from saying I need to pay {$190.00} and is now saying I only have to pay {$140.00} because he is giving me a discount but that's the lowest he can go, and I feel like I'm negotiating in a flea market in a third world country and this whole thing doesn't feel right and seems illegal. Please help me get this deleted off my credit! Thank you for your time. 

Kind regards, XXXX
Complaint sub-issue: Personal information

My social security number is showing my sons social security number as my own I have tried 6 times to resolve this mixed up issue with all credit reporting agencies, I have Faxed, called and paper mailed copies of my accurate personal info. to mixed department disputes with a bold heading " Update Personal Information '' Equifax, XXXX ; XXXX. Without any corrections being made in spite of my ss card copy my pa license copy and my 2016 XXXX copy. The only response I was sent was another request to verify my personal info. asking for the same Id verification items. This is frustrating, as my son is only XXXX and is just starting out fresh with his credit building. I am just insisting my correct ss number is changed to my correct number! Please help! 
Thank you for your time and concerns regarding my problem XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax stated they were hacked and set up a website to tell individuals if they weee affected at www.equifaxseciroty2017.com but this site does not actually tell you if you were affected or not. Entering information does not provide that answer. Only takes you to a page to sign up for credit monitoring ( and also agree to their TOS, which may not be favorable ). There is a number to call with questions, but hold times are so long you ca n't actually speak with anyone.
Complaint sub-issue: Problem getting your free annual credit report

Tried to get annual free credit report from Equifax from XXXX. 

After answering several questions correctly, I am advised I can not access online and I need to request by mail and send several proof documents. 

This is really ridiculous - either I have a right to see my credit report every year or not - this is a scam to make it difficult to obtain what I have a have right to by law. 

Please address this ridiculous process so that we can get what we are legally entitled to.