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

Good afternoon, I would like this account XXXXXXXX XXXX # XXXX to be removed/deleted Equifax responded to my dispute and did not remove the account although it is reporting inaccurately. Below are the following inaccuracies/violations They did not add the required notice of dispute, I disputed this account back on XX/XX/2022 and the notice of dispute should have been reported within 30 days.I pulled my credit report on XX/XX/XXXX and the notice has not been reported which is reason for termination alone The Date of last activity is not congruent for XXXX, XXXX and Equifax High balance is not congruent for XXXX, XXXX and Equifax Date of last verified is not congruent for XXXX, XXXX and Equifax Monthly payment - there should not be a monthly payment on a closed account screen shots of these inaccuracies are located below
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, XXXX, andEquifax ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. 

I know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Complaint sub-issue: Application denied

Denied me because of my credit score and Discrimination.. 

They have kids working in the underwriting Please confirm and check into this.
Complaint sub-issue: Debt is not yours

PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate named XXXX XXXX. THE COMPANY, ENHANCED RRECOVERY CO, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, ENHANCED RRECOVERY CO, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX ON THE PUBLIC AND PRIVATE SIDE. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Complaint sub-issue: Didn't receive enough information to verify debt

Sent General Revenue Corporation a request validation of alleged debt they reported on my credit report on XX/XX/2021 tracking shows they received my request on XX/XX/2021 it is now XX/XX/2021 30 days after them receiving my request and I have not received a reply from General Revenue Corporation validating this alleged debt.
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a pair of shoes and the wrong pair of shoes showed up. I tried to return to the seller ( XXXX ), but the return email address would only throw me into an endless loop of email example I send back a response and get over 30 replies back within 10 minutes from some robotic system. 

I then tried to use XXXX dispute and it would not answer the call, so I called discover card who actually funded XXXX account. The rep could n't get them to answer as well. So they agreed to talk to a manage read get back with me. They never do. I went through this process with them 3 times. NO one has ever contacted me back.
Complaint sub-issue: Account status

There is a debt that is past the statute of limitations listed on my personal credit file. I have brought this to the attention of Equifax several times with no outcome. Please help assist me the account is XXXX XXXX # XXXX
Complaint sub-issue: Account information incorrect

XXXX has reporting a increase in my balance to all XXXX credit bureaus of {$470.00} between XXXX -- XX/XX/XXXX which is not correct. This cause my credit score to decrease I called XXXX on XX/XX/XXXX and was told a update goes out to credit Bureaus around the XXXX of every month and one was sent out XX/XX/2022 with and less amount. This this does not change the fact the incorrect reporting from the previous month caused a negative affect on all XXXX of my credit reports.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX
Complaint sub-issue: Account information incorrect

There are several accounts reporting through XXXX XXXX XXXX XXXX XXXX which ALL my accounts have been paid as agreed and on time. There is a remark on a few of them 90 days in 2017 which is inaccurate. I tried to address this now twice and received only one response back from XXXX saying they weren't going to do anything. Please help
Complaint sub-issue: Problem with personal statement of dispute

On around XX/XX/XXXX XXXX XXXX  XXXX Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
XXXX administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that XXXX XXXX XXXX contacted XXXX and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of 680 on XXXX

.. Res
pectfully XXXX has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX XXXX and XXXX.I am a US XXXX XXXX Military Veteran.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from XXXX XXXX XXXX at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. 

I also requested that an address be removed from my credit report on Equifax the same week the first week of XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not Ans has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. 

This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home
Complaint sub-issue: Information belongs to someone else

I have several inquiries on my consumer report that doesnt belong to me I believe it was fraud
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 transunion 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: Reporting company used your report improperly

I am writing this complaint to inform the CFPB, Equifax and XXXX that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so.
Complaint sub-issue: Problem getting my free annual report

Dear CFPB Staff, I contacted Equifax Credit Reporting Agency back on XXXX XXXX, 2017 to give them my new address and to request my free annual credit report. They then sent me a letter back saying I needed to send them a copy of my Utility Bill along with proper Identity documents showing who I am. This has been done. However, it 's now been over 60 days and I have yet to receive my annual credit report and check if there 's anything I need to correct.
Complaint sub-issue: Reporting company used your report improperly

I am XXXX XXXX this statement with my proper identification and verifying my identity. I have enclose below the proof of violations done by Equifax in the attachments. 

CHECK ATTACHMENTS BELOW.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have unauthorized inquiries on my report from XXXXXXXX XXXX, 3 inquires from XXXX XXXX XXXX , 3 inquires from XXXX XXXX 19 inquires from XXXX  XXXX
Complaint sub-issue: Personal information incorrect

For the past, several months I have requested XXXX and Drive Time to make the correction on my credit report one to remove a repossession that should not be there and to remove a wrong social security number ending in XXXX. This is not my legal number. The several times that I have talked with DT Relations- he keeps stating XXXX XXXX this SS # is related to the account and when we ran the number your name came up, and that he had proven. When I asked him to send me a copy of that he refused stating that it was private information. 
After checking more into the matter : I purchased the car from DT on XX/XX/XXXX on a contract that was not signed by me. A DT employee forged my name on the contract. 
DT started that I was behind in my payments the month of XX/XX/XXXX thru the month of XX/XX/XXXX. DT has always had the SS # as XXXX and refused to talk with me several occasions because I did not have the right number. 
Per my credit report : On XX/XX/XXXX, my SS # was reported on my report. When drive time  reported late payments or days behind they are the ones that put the way SS # on my report and now are trying to say that I have to SS # Other Identification Date Reported Type Code Identification Number Reason XX/XX/XXXX Social Security Number xxxxx XXXX Variation DT was forged my signature, the wrong SS # violated numerous rules and laws This SS # XXXX was never on my credit report until XX/XX/XXXX unit Drive Time reported it
Complaint sub-issue: Public record information inaccurate

Equifax and XXXX XXXX  are reporting erroneous and unsubstantiated information on my credit report. Each time I request a removal or an explanation from the source providing this information ; I get the generic response from Equifax and XXXX XXXX " This information meets the FCRA ''. They do not provide documentation which supports these erroneous entries on my credit report. I have contacted the courts as well as the IRS who have stated that they do not report or verify any information to the credit reporting agencies and they do not have any such information in their systems to support these reporting on my credit report. I have requested that Equifax and XXXX XXXX  provide me with the source in order for me to address this matter with them directly. Equifax after several attempts to retrieve this information, finally stated that XXXX XXXX was the source. I contacted XXXX XXXX who has provided documentation which states that the information could not be verified and would be removed from their data base. I sent this information to Equifax and XXXX XXXX last year and they still refuse to remove this very damaging and inaccurate information from my credit file. I am attaching the correspondence and communications to and from Equifax and XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Received bad information about your loan

Around XX/XX/XXXXI was contacted by XXXX XXXX XXXX with a program to consolidate my student loans. I signed up, paid an upfront fee and then {$50.00} per month as the program stated after so many years of paying my loan would have {$0.00} balance. In XXXX, I learned that this company did not consolidate my loans and did not make monthly payments on them. They changed my contact information to an address and phone number in California, which I was unaware of. My credit report shows that American Education Services has or had my federal student loans but when I inquire they said that my account number does not exist. Fedloan servicing, now handles AES loans and I contacted them with what had happened. They said that I would just need to log into my account and see if I would qualify for one of their programs. Every time I attempt to log into the account it automatically generates a forebearance request. CFBP filed a law suite against Student Loan Servicing in regards to this and that consumers affected would be contacted. I was never contacted and I am not sure who has my federal loan.
Complaint sub-issue: Public record information inaccurate

I don't recognize this public record so I contacted the courts and they stated that the information I gave them didn't matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. I never filed bankruptcy ever in my life. This public record on my report is inaccurate and I demand that it gets deleted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are credit inquiries listed on my report that I did not authorize. I have sent a certified letter to Equifax, but they refuse to verify/investigate or remove inquiries. The inquires are : XXXX XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Company closed your account

Dear CFPB, I have been in good standing with my AAdvatage Citi Bank Master Card for years. My bills are always paid in a timely manner and I have revolving credit available. My card that expires XX/XX/2022 but has stoped working out of the blue. I called the Citi card customer service and they said first that called to request a new card, which is false. Then they changed their answer saying the bank decided to give me a different card number but did not explain why that is the case. They said twice they mailed me a new card. No card has been received in the mail. The United State Postal Service scans all my envelopes and emails me the scan before they reach my mailbox. A scan was never received of mail form Citi bank since my card has stopped working. Now Citi Bank card customer service is telling me my line of credit has been closed. I did not authorize this account closure. The reason they gave for closing the account is that the credit card was sent bank to them by the post office.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent several letters disputing a couple of accounts that I have one was with XXXX XXXX in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and the other with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. 
With XXXX XXXX I called them and due to me losing my job I was not able to make the payment on time and asked for a deferment which they agreed to and said they would not report me late. The other was with XXXX XXXX and due to covid was also not able to make the payment and I called them and requested a deferment and they also had agreed and they have both reported me late. 
I know about the CARES Act and want to see if you can help me with getting this resolved. 


Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. This negative account should be removed from my credit reports on or before XX/XX/XXXX. XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. I would like this corrected so that the negative information will be removed per the FCRA timeframe in XXXX of XXXX. I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. I am also providing copies of each credit report showing the first reported late payment on XX/XX/XXXX.
Complaint sub-issue: Fraudulent loan

I have student loans reporting on my credit that I did not sign for nor did I authorize anyone else to do so. I have never attended college so there would be no need for me to have utilized student loan services.The loan is not mine.
Complaint sub-issue: Debt was result of identity theft

Theres an account showing on my credit report that does not belong to me. Its from XXXX XXXX XXXX   opened on XX/XX/2015 with a balance of {$640.00}. This account is not mine at all. Also, there one from a company called XXXX XXXX XXXX opened on XX/XX/2015 with a balance of {$1400.00}. These accounts do not belong to me or were opened fraudulently!
Complaint sub-issue: Problem getting your free annual credit report

Hello my name is XXXX XXXX and this is my 3rd attempt trying to obtain my consumer file & report from equifax and XXXX. I have uploaded a screen shot of this last attempt as well as proof of my identity. I am using the cfpb in hopes of obtaining my consumer file & report from equifax and XXXX