Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with statement of dispute

I was not certain what category to choose, as the accounts on my credit are XXXX different ones. I have a collection and late payment on my report that are unverified and the bureaus have not conducted a proper investigation. If they had, this collection would have fallen off due to inability to validate, and the late payment would have come off as I was never late on this account. I am not receiving proper correspondence from the bureaus and at no time have I received proof of ownership for the collection account that is reporting on my credit file. My right to demand this is pursuant to section XXXX of the FCRA as well as XXXX where they must legally verify with proof of immediately remove. I continue to receive documentation stating that I must go straight to the creditor because this has been " verified '', when in fact, the bureaus have the responsibility of doing this and can not put the burden on me. See XXXX. If I have to, I will sue them, but if they did their job, they would see that this is inaccurate and must be removed. According to Congress, the bureaus MUST verify that the information on my report is accurate, and must go beyond the original source of information once I notify them that this is inaccurate. They have not done so, and I can prove that I have notified them multiple times.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In Accordance with the fair credit reporting Act. Then the list of inquires below has violated my federally protected consumer right.to privacy and confidentiality under 15USC 1681. 

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 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
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Account status incorrect

XXXX XXXX sent me my title, stamped Free And Clear and Lien released. Attached was a letter telling me how to go about filing my title at the XXXX or how to use it if I want to trade in my vehicle when I purchase a new vehicle. I am in the process of trying to purchase a home, and they can not proceed because they are reporting my loan over 90 days late and saying my account is a charge off, which is dropping my credit score too low to purchase my home. I need this to show that the loan is paid off and that the lien has been released. This is not ok, that I have this title for my vehicle in my hand. If XXXX XXXX made an error in sending me my title, then this is something they need to eat not me. I should NOT be showing a charged off account for my vehicle that is in my name and now owned by me.
Complaint sub-issue: Information belongs to someone else

Every since my identity been stolen i been noticing activity that's been done inwhich I have no knowledge of. Some of which was even left in good standings but still and all either rightfully belongs to me therefore I'm demanding that the following accounts be removed and blocked from my credit files. 

1. Dept of ED/XXXX  {$11000.00} 2. Dept of ED/ XXXX  {$6800.00} 3. Dept of ED/XXXX {$10000.00} 4. Dept of ED/ XXXX  {$5800.00} 5. Dept of ED/ XXXX {$10000.00} 6. Dept of ED/ XXXX  {$4500.00} 7. XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

see attachment because this complaint is not being sent in error, I have attached all documents request and these agencies are failing to comply with my request when I sent it by US Mail
Complaint sub-issue: Account information incorrect

I have sent several disputes to XXXX XXXX XXXX regarding the alleged balance due. Prior to responding to me regarding one of the disputes in XX/XX/2021, XXXX responded to a third party verifying the validity of the debt. As of XX/XX/2021, XXXX has verified the validity of the debt with the credit reporting agencies and have continuously failed to respond to my disputes. This is in violation of FCRA.
Complaint sub-issue: Account status

I open a gym account and a few weeks later got in a XXXX and never went into the gym.told owner and she said she would cancel my contract since I never even went once
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017 I was made aware that my personal and identifying information was likely compromised as a part of the Equifax breach. Using my partial SSN and full lastname I completed the service provided by Equifax and was informed that Equifax believed my personal information " may have been impacted by this incident ''. I made an attempt to contact the company on their website but the page was unresponsive and due to the amount of people affected I was unable to get a hold of anyone over the phone.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Complaint sub-issue: Problem with personal statement of dispute

XX/XX/2020 was reported as a late payment. I sent a certified letter via USPS to the creditor and received a response back stating the information reported was valid and no further action required. The information reported was inaccurate. The customer service rep stated that It as reported as late but they had no explaination for the late payment. I as told that this payment was report as late for something that an paid over 3-4 years ago. I asked for a payment statement and it shows I have not missed any payments in the last 2 years
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: Their investigation did not fix an error on your report

Dear XXXX, Consumer Financial Protection Bureau, CFPB, AND 3 Credit Bureaus ( XXXX, XXXX, and Equifax ) : I HAVE CONTACTED XXXX XXXX SEVERAL TIMES OVER THE PHONE TO NO AVAIL, AND THE 3 CREDIT BUREAUS. MAKE THE CORRECTIONS OR YOU WILL NOT RECEIVE XX/XX/2019 NOR XX/XX/2019 Payment. I have included WOES for you to execute. Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
Complaint sub-issue: Add-on products and services

my insurance company paid for my rental while my car was being worked on. I provided my credit card for incidentals only, as described and agreed with XXXX. The insurance company issued full payment of $ XXXX to XXXX and the car was returned without damage and adequate fuel. Weeks later, XXXX charged me thte full rental amount. I confirmed XXXX had already funded this rental, and XXXX cashed their check. XXXX refused to provide a refund, and Discover has declined my dispute request, even with adequate documentation from XXXX showing they already issued payment to XXXX. I feel unheard, and thrown about in this situation, with Discover not honoring their -zero-liability claim. I did not authorize this transaction from XXXX, and Discover is asking to " prove '' I did not, which is impossible. Please help me.
Complaint sub-issue: Information belongs to someone else

Ive been a victim of identity theft
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ATTENTION TO ALL CREDIT BUREAUS I AM SUBMITTING THIS INFO AS THESE INQUIRES are a result of identity theft I have not done business or opened any form of account with these companies. I recently discovered through my monitoring service these accounts being reported I made efforts to remove the inquires from my file as they do not belong to me. 

INQUIRES REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I have not been able to log into myequifax.com since XX/XX/XXXX after an angry, rude, and incompetent Equifax employee CHANGED MY EMAIL ADDRESS ON MY ACCOUNT WITHOUT MY PERMISSION... TWICE! 

I now either get an error that I have no account, that the account is locked, that my password is wrong, or some other circle of error messages that won't let me log in. I called back the company and just got another rude agent who told me there's no issue on their end. This is my second complaint to the CFPB, I have also opened two cases with the XXXX neither of which were answered. 

HOW CAN EQUIFAX DENY ME ONLINE ACCESS TO MY CREDIT REPORT?? 

HOW IS IT NOT ILLEGAL TO CHANGE MY EMAIL ADDRESS TWICE WITHOUT MY PERMISSION?? 

Why are there rude jerks who barely speak XXXX with access to my credit report and personal information???
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX  Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX This account was never late. I've have disputed this with this company time and time again. Now this account has been paid off completely and it is still showing up negatively on my report. This is not fair.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I have contacted this agency multiple times about a debt from an apartment complex that I moved out of earlier this year. I called that apartment complex numerous times trying to get information about any move out costs, and they continually told me they didnt have the information. I later received a phone call from Iq Data collections and they informed me of the charges in their office over the phone. I told them I never received any written notification from the apartment complex or Iq Data with a list of the individual charges. The operator on the first phone call told me I needed to send an email to XXXX to request the information I needed to dispute the claim. She also told me they had been sending information to the address of the apartment I had moved out of, despite me providing a forwarding address upon move our. It should be obvious that I would not receive mail at an address I moved out of, but I also confirmed my new mailing address. I confirmed the email multiple times. I sent five emails to the email address provided, all with no response. I spoke to another member of their team over the phone and told him I have never received any written statement of the claim so that I can formally dispute it. He again reverified that I had the correct email address and I received no response. He also said he would forward the request to a supervisor but I still have not heard back, weeks later. 

The dates of the emails are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all of XXXX. I have the documentation to prove that the charges the apartment complex is claiming I owe are not valid, but I am unable to get this creditor to provide me with the information to dispute their claim.
Complaint sub-issue: Reporting company used your report improperly

Credit information was lost in national breach. There is no way around not having all your information automatically reported and out there to be stolen from negligent reporting agencies. Freezing your credit report should be free. There should not be a fee to protect yourself, especially with as little care as these companies have protecting your data.
Complaint sub-issue: Information belongs to someone else

Someone may have stolen my identity. There are accounts, addresses and inquiries that don't belong to me. Please remove them. I have attached my personal information as well. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax participates in willful, ongoing and repeated failure to provide any real response to inquiries, disputes and requests for information. I exceed the identification requirements each time I submit a request, yet they continually send responses that request identification, despite that information being provided already. The law requires their timely response. Their responses are as ambiguous as possible, not referencing which dispute they are responding to, and basically sending a form response that means absolutely nothing and provides no useful information or feedback on any given dispute. From this point forward, all disputes will be cc 'd to the Attorney General 's office and legal counsel for review. How many complaints like this will it take for CFPB to correct the issues, instead of just counting on the companies to comply with law? Clearly the companies are not interested and don't care about compliance, so consumers submit complaints to CFPB, thinking it will make a difference, but yet the companies continue with their non-compliance, without consequence. How long do consumers need to put up with this level of abuse of power? These companies hold an enormous amount of power of consumers and can and do affect livelihoods, and they need to be held accountable.
Complaint sub-issue: Information belongs to someone else

I am writing to you regarding my credit report because I recently checked it and found accounts that are not mine. I do not understand how these items appeared in my credit report. However I filed identity theft report because I know that probably someone used my personal information or its error in reporting. Pease I ask you for some help! Could you please investigate the accounts in my profile and find out what exactly happened there. In case you find who did it please remove the items.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX got new insurance and they have a record of an at faulty accident against my driving record I have never had an accident. I am unaware of any information where this was suppose to happen or what was involved in this accident. Where did LexisNexis get this information my insurance agent XXXX XXXX XXXX does not have any record of this accident involving me, my Husband XXXX XXXX May have been involved in this accident I was not driving nor was I in the vehicle when this was suppose to have happened on XXXX XXXX XXXX reporting agency is XXXX./LexisNexis. My Birthdate is XX/XX/XXXX. I want this removed from my records. I have not been involved in any accident either at fault or not at fault. My phone number is XXXX if more information is needed you may also contact my agent drivers license number Ohio XXXX. Please resolve this problem. My new insurance is XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I don't recognize the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate the following to ensure there is no fraudulent activity.
Complaint sub-issue: Was not notified of investigation status or results

Back XX/XX/2020 I filed disputes with the bureaus.Two months later and still nothing from or any change on my credit report. Why is this taking so long? Are all three close because of Covid that the only thing I can think of for them not doing their job.I would like matter resolve soon
Complaint sub-issue: Attempted to collect wrong amount

I had an outstanding balance with Citibank for {$680.00}. It was being reported to all three bureaus as {$680.00}. When I called Citibank to pay the debt, I was told the statue of limitations for collections had passed. I was further told that any payments that I made would be " courtesy '' payments. I then asked if the account should even be reported to the credit bureaus. I asked if the account was reported to the IRS as a charge off. I was told it was not. I confirmed that the payment amount that I owed was {$680.00}. I was told I could not pay over the phone or the web, but that I had to send the payment in. I sent in a payment for {$680.00}. I called back to secure a XXXX balance letter and I was told that I had a balance of {$0.00}. I sent in the payment for {$0.00}. The payment cleared my bank account, however, they still told me I owed the {$0.00}. I was later informed the {$0.00} was applied to someone else 's account. I was then told that I had to wait 10 days for the money to be applied to my account. I requested a zero balance letter, as the check had been cashed. I was denied. I was told I had to wait 10 days for the transfer of funds and I had to wait 15 days from the date the check was cashed prior to them providing me with a XXXX balance letter. Currently, they are incorrectly reporting a balance on my credit report. They have refused to quickly rectify the situation. They have denied me from talking to anyone besides the floor supervisor.
Complaint sub-issue: Their investigation did not fix an error on your report

My name listed as XXXX XXXX XXXX Correct name is XXXX XXXX XXXX This was corrected but then was put back on credit file due to a company account which isnt mine verified incorrectly name
Complaint sub-issue: Reporting company used your report improperly

Aqua finance ( A pplication #  XXXX  ) pulled my credit report they claimed I applied for credit with one of their clients which I did not. They placed an illegal unauthorized credit inquiry on my report. I have done my research and they have done this in violation of the fair credit reporting act. I asked for proof I authorized this inquiry a signed application or something they could n't provide it because I never applied. But they still sent me a letter refusing to remove the illegal inquiry so I am now researching my other options. I plan to take this as far as I have to I 'm not going to just let a business pull my credit because they want to.
Complaint sub-issue: Public record information inaccurate

After receiving my credit report from LexisNexis, I notice an extensive amount of inaccuracies ( report dated XX/XX/2019 ) .On XX/XX/2019, I mailed a request - requesting that they update their report file, and I furnished correct information regarding my identity.I included a copy of a letter from the Illinois bankruptcy court stating that they do Not perform any activities with credit bureaus as their report indicates.I included a copy of my drivers license ; social security card, copies of bills to prove my address. 
On XX/XX/2019, I received a response that appeared to be a bit of window dressing, because what it stated is not what I requested. The response was a two page letter - on the front page it was dated XX/XX/2019, but on the back it was dated XX/XX/2019. I will include a copy along with this statement. 
On XX/XX/XXXX, I received another report from LexisNexis stating that they had completed their investigation and their findings follow.The report states that they have deleted the inaccurate information.However, the only information shown deleted was a few phone numbers and the incorrect birth dates. 
I will include copies of pages of the report that show inaccurate information that I requested be removed remains. Please note that I have highlighted on each page the inaccuracies in accords with my letters to them.