Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is incorrect

LexisNexis, Has not blocked, nor suppressed my public, or personal information from their database and public information systems and products as I have requested.
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

I recently pulled my credit report and there are fraudulent addresses as well as accounts that do not belong to me. 
Fraudulent Addresses 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-Fraudulent Name 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: Information belongs to someone else

I just received a copy of my credit report and I noticed these hard inquiries are fraudulent. Soonest I finished reading my report I went to my Equifax account and lock my credit report to avoid these things from happening again. 

XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020
Complaint sub-issue: Debt is not mine

This company is harassing me on the phone and sending me collection letters threatening to put this on my credit report but I do not own this debt.
Complaint sub-issue: Account information incorrect

After recently reviewing my credit report I noticed several inconsistencies regarding the account US DEPT OF EDUCATION - XXXX ) in the ( Date Opened : ) & ( Last Reported : ) ( Date Last Active : ) ( Date of Last Payment ) section. Equifax is reporting date XX/XX/XXXX status, XXXX is reporting date XX/XX/XXXX status and XXXX is reporting XX/XX/XXXX dates can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. Account Name :
Complaint sub-issue: Their investigation did not fix an error on your report

ATTENTION XXXX PLEASE READ THIS IS NOT A DUPLICATE COMPLAINT! COMPANY SENT LETTER ATTACHED TO I THE CONSUMER, AND NOT THROUGH THIS SITE AS THEY SHOULD DO. IM AWARE MY ADDRESS US PUBLISHED. 



EQUIFAX REFUSE TO REPORT CORRECT INFORMATION TO MY CONSUMER REPORT. I'VE SENTTHEM CERTIFIED LETTERS TO DO SO WITH A COLOR COPY OF MY CREDIT CARD ( SOCIAL SECURITY CARD ) AND AT THE TIME MY DRIVERS LICENSE AGAIN IN COLOR. 

XXXX XXXX RETURN RECEIPT : 1. XXXX XXXX XXXX XXXX XXXX 2.08/02/2022- XXXX XXXX XXXX XXXX XXXX 3XXXX XXXX XXXX XXXX XXXX AS OF TODAY XX/XX/2022 COMPANY IS STILL REPORTING AN INCCORECT NAME ON MY ACCOUNT, WITH A HOST OF OTHER ERRORS.I ATTACHED A COPY OF MAIL THEY SENT ME WITH MY CORRECT INFORMATION AND THEM STATING THEY ARE UNABLE TO LOCATE MY CREDIT FILE. 

AGAIN NOT ONLY ARE THE REPORTING FALSE INFORMATION ON MY CREDIT REPORT, THEY ARE CONSTANTLY HARRASSING ME FOR MY PERSONAL INFORMATION THAT HAS BEN SENT MUTLIPLE TIMES CERTIFIED AND UNCERTIFIED. 

I'M PREPARED TO TAKE THIS TO CIVIL AND FEDERALCOURT IF I DO NOT GET MY REEMDY. THIS IS DEFAMATION OF CHARACTER, INFRINGMENT OF MY PRIVIACY AND RIGHTS AS AN CONSUMER. ( AS THERE IS NO PROOF THAT i SIGNED A CONTRACT WITH THIS COMPANY OR ANY COMPANY YOU'RE REPORTING FOR. ) THAT INFORMATION WAS REQUESTED ON XX/XX/2022. 

I WILL NOT SEND THE COMPANY ANOTHER PIECE OF MY PERSONAL INFORMATION. AS AGAIN I HAVE PROOF THAT IT WAS SENT AND COMPANY RECIEVED IT. 

EQUIFAX AS OF XX/XX/2022 ANY PERMISSION AND/ OR AUTHORIZATION YOU THINK YOU MAY HAVE OR HAD, REGARDING THE USE AND/ OR STORAGE OF MY INFORMATION, IS HERET BY REVOKED!
Complaint sub-issue: Information belongs to someone else

While checking my credit, I noticed Equifax is still reporting wrong information on my report. I've been a victim of idenity theft. Equifax is saying the collection from FOCUS FINANCIAL IN THE AMOUNT OFF {$500.00} HAS BEEN VERIFIED, I FOUND THIS TO BE UNTRUE, BECAUSE XXXX  OR XXXX COULDN'T VERIFY THIS ACCOUNT AND IT HAS BEEN DELETED. EQUIFAX NEEDS TO FOLLOW SUIT AND DELETE THIS ITEM.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrect information regarding an outstanding balance due on XXXX - account number XXXX. This account does not belong to me. I have contacted all 3 bureaus and XXXX has removed this item from my credit report, however Equifax and XXXX have not removed this item. This inaccurate reporting is harming my credit score.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly 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 immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Investigation took more than 30 days

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account.
Complaint sub-issue: Banking errors

Activehours needs to access my XXXX account and is currently having difficulties as well as too my XXXX XXXX account also. Its been about two months now and it has been nothing but misrepresentation that has occurred. I would like to do business with Active hours, truly they are an interesting and unique company. I ca n't or we ca n't some how get connected for whatever reason. So I am being asked to reach out for some help from you kind people so we all can get going with this slight situation. Thank you in advance for your time and consideration. Have a wonderful day!
Complaint sub-issue: Threatened to sue you for very old debt

To whom may concern please stop sending me a letter through mail threatening legal action against, me from the Law offices Michael J Adams PC, I will file a complaint with the Consumer Financial Protection Bureau under the Civil statute of Limitation law in the state of Texas. The expired date on this collection of debt is known void account number XXXX this is a Cease & desists from a legal letter does not apply to me. After communication through the mail with threatening legal action, I will move forward with my consumer attorney under the state law in Texas thanks. 

This law offices is trying collect on old debt! that expired on a law suite it under the Civil statute of Limitation law in the state of Texas account number is XXXX they are collect from third party XXXX XXXX XXXX  online! amount is XXXX dollar and its not true legal amount in the state of Texas. 


My name is XXXX XXXX XXXX I stayed in Texas My phone number is XXXX if you have any question about this old Debt.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX, NC XXXX Collecons : XXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX  Inquiry : XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers : XXXX XXXX  XXXX XXXX XXXX XXXX 

Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX, NC XXXX Collecons : XXXX XXXX XXXXXXXX XXXX  XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Pursuant to 15 USC 1681n ( b ) " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency or {$1000.00}, whichever is greater. '' As a consumer and a natural person I did not consent to, authorize nor benefit from any of the following inquiries. 

Block and remove XXXX XXXX  XXXX XXXX XXXX from my equifax report Block and remove XXXX XXXX XXXX XXXXXXXX from my XXXX report
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My father & I went to XXXX in order to move my phone line off of my fathers account onto my own account. We were told by the XXXX customer service agent that per Equifax, my social security number did not match their records and that I did not have any credit history. Because of this, XXXX would not establish my own account without a large down payment. I am a XXXX and my sister and a brother who also do not have any more credit history than I do were able to more their XXXX lines off my parents account and establish their own without any problems. I have filed both federal and state taxes for the past 2 years as well as pass several background checks. XXXX made a couple additional attempts with Equifax to establish my identity at Equifax 's request. XXXX faxed to Equifax a copy of my Social Security card and my drivers license. For some reason Equifax would not accept it. We were told to file a dispute through Equifax and again include a copy of my Social Security card and driver license. I never heard back from Equifax. You will see at the top of the attached document the time and date it was sent from XXXX XXXX. I called Equifax yesterday and I was told they did not have any record of my dispute or faxed info. I was told the only was to fix the problem was for me to take out a loan and/or a credit card in order to establish a credit history. I refuse to borrow money to fix their erroneous records.
Complaint sub-issue: Account information incorrect

I woman of flesh have mailed certified letters to all 3 credit bureaus an collection agencies to remove all negativity off my record cause by constitutional laws I did not give authority for these 3 credit bureaus to establish no account an by record my custodian parents did not authorize either. I have ask twice to remove everything from my record an they have failed to do so..i have paperwork I sent an also RECORED calls to all 3 bureaus. So I 'm coming to you as a natural person not no US CITIZEN but original human to please clear my record clean an free from all neccesaties on my credit report making me drown in slave debt wen I 'm the bank an dey the debtor. So for the one 's who sold my information to these collection agencies to collect a debt is in fraud, defamation of character, identity theft. Amendment 14 is powerful an the fakes agencies playing against laws so this will be my last time trying to fix this. 30 days from today of this complaint with no action I will proceed forward with federal law suit. Thank You, sincerely, XXXX XXXX XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - THIS IS NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 



XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX - NOT MY EMPLOYER ( XXXX ) XXXX - not my number ( XXXX ) XXXX - not my number XXXX XXXX XXXX not my name XXXX XXXX- not my name XXXX XXXX XXXX- not my name XXXX XXXX XXXX XXXX- not my name XXXX XXXX XXXX - XXXX - THE DATE OF LAST PAYMENT IS DIFERENT IN ALL THREE CREDIT AGENCIES, REMOVE LATE PAYMENTS. 


XXXX XXXX - XXXX - this account does not belong to me XXXX XXXX - XXXX - this creditor does not own this account. 



XXXX XXXX- XXXX - I was never late on this account. 



XXXX XXXX  - XXXX - paid, never late. 



XXXX XXXX XXXX XXXX - please send me the docs that prove that I was ever late. 



XXXX XXXX XXXX XXXX XXXX - XXXX - remove due to inaccuracy - I never paid late. 


XXXX XXXX - XXXX - Unverified and illegal reporting, remove immediately XXXX XXXX - XXXX - Account listed twice so this is The Double Jeopardy, This is unlawful reporting and unless I can see your proof, this must be removed immediately. 






XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im demanding that the 3 major credit reporting agencies provide me with a physical documentation / contract of the following accounts, these accounts are unknown and unauthorized by me. Im demanding that these accounts be blocked and removed from my credit file. 

1. XXXX XXXX {$670.00} 2. XXXX XXXX {$120.00} 3. XXXX XXXX XXXX XXXX
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/2019 an associate from XXXX XXXX called my workplace instead of my cell phone. When told that I was with a client, associate preceded to tell my manager details of my account delinquency and payment arrangement. Spoke with supervisor who could be heard in the background stating that she is 'unavailable '. Spoke with manager who's office my account is in. Manager locked my account with notes stating to call my cell phone and not my workplace. Same young lady called my workplace again on XX/XX/2019. Spoke with a different associate at my workplace and gave personal information again about my account and payment arrangements.
Complaint sub-issue: Account status incorrect

This is the 5th time I've tried to fix the status of my Car Loan Account. Even though, credit reporting agencies asked XXXX XXXX XXXX XXXX to validate information and XXXX XXXX XXXX XXXX stated it was correct, when delinquencies weren't. 
I finally received a letter from them saying my account will be updated within 15 days from all credit reporting agencies. Please, I lost 75 points the first time the late payment occurred. I would like to get my 75 points back since my account finally had been brought back to current due to a misunderstanding. 

Attached letter from XXXX XXXX XXXX XXXX.
Complaint sub-issue: Debt was paid

This medical bill was paid and it was sold back to a debt buyer and this extortion and it need to be deleted immediately.
Complaint sub-issue: Old information reappears or never goes away

Trying to get time barred acct. removed from Equifax. XXXX XXXX XXXX charge-off in the amount of {$30000.00} Date of last activity is XXXX/XXXX/XXXX. State of Washington Statute of Limitations for this type of debt is 6 years. Both XXXX and XXXX have removed this item in a timely manner, when finally spoke with a human at Equifax in XXXX or some other place they do n't speak or understand XXXX, she said it wo n't be removed till app. XXXX/XXXX/XXXX??? I am trying to refi my home mtg. and this one item is a hold up. She refused to look any further or offer any explanation as to why they did not have to abide by Washington state XXXX as have the other 2 agencies.
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/24 I requested a refund for my paid-in-full loans over the phone with FedLoan for payments I made during the coronavirus pandemic, according to the CARES Act. I was originally told that I would see my balance reinstated in 7-10 business days. I called back a few days later to confirm my refund request had gone through and they updated my wait time for balance reinstatement to 30 days. I understood that they were overwhelmed with requests, so I did not complain. I called back about a week later and they now say it could take up to 6 months to see my balance reinstated. In order to apply for loan forgiveness, I need to submit my application by the end of next year and I am starting to worry that my wait time is increasing exponentially. Furthermore, on my most recent call with FedLoan they lied to me and said they were sure that paid-off loans would not qualify for the one-time loan forgiveness program. The Department of Education clarified a couple of days later that my loan would, in fact, qualify. FedLoan shouldn't be giving information to borrowers unless they are sure about the guidance they are interpreting.
Complaint sub-issue: Problem with balance transfer

I was looking for a new credit card that gave me cash back & a transfer options.I found a great deal at a Discover Card plan on the Discover Card website.It sounded to good to be true. It said 0 % interest for 18 mo.on  transfer balances. I called Discover Card & ordered a new card. Today I tried to make a transfer of XXXX to their card & was told that their was a 3 % charge to do that. It did not say this on the Website, but it turned out to be on other documentation that was sent to me, further.down on the page.I was thinking that the offer was so good that I might pay the {$60.00} & get on with it. I then checked the interest rate page & came to find out that you have to pay almost 15 % interest on the balance transfer as that was not part of the deal. Everything else was interest free except balance transfers & cash loans. So, my ability to save was nil.All though I was not scammed it sure felt like it. This is just a bad case of deceptive advertising & it should stop. Thought you  should know.
Complaint sub-issue: Information belongs to someone else

CBNA went into my account with out my permission cause me to receive a hard inquiry I never open a account with this company dont no who they are
Complaint sub-issue: Personal information incorrect

I, XXXX XXXX, a consumer, am submitting this complaint against Equifax and there is no third party involved. Equifax has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Equifax can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT EQUIFAX DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. EQUIFAX has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. IF APPLICABLE ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my UTILITY STATEMENT is how my name should be spelled. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name and correct address ( UTILITY STATEMENT ). I DEMAND EQUIFAX TO CORRECT THIS INACCURATE INFORMATION WITHIN THREE ( 3 ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. EQUIFAX is now liable for damages of XXXX XXXX/violation for Civil Liability for willful noncompliance, which EQUIFAX has failed to comply. This also includes any actual damages.
Complaint sub-issue: Account status incorrect

I had a XXXX point drop in my credit score due to a late payment I have made no late payments! All my payments are paid on time, because I am enrolled in automatic payments!
Complaint sub-issue: Reporting company used your report improperly

Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ). Also, the bankruptcy court doesn't disclose information with no third party, I also included a letter from them saying this.
Complaint sub-issue: Debt is not yours

After receiving a discharge letter from this company since this was a result of a missed appointment with a company i never signed paperwork with and refused to pay since I was under no contractual obligation to show up the company continues time and time again to place it on mt credit in hopes i will pay it. Extortion for a debt I do not owe. They are ruining peoples lives doing this. Please sanction this company from doing so.