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

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2022 these items above should be removed from my report immediately. Please note : I have included in this package a copy of my driver license, copy of proof of address, copy of my SSN, FTC report
Complaint sub-issue: Account terms

Hello- Equifax has been provided proof that the accounts listed below are being reported in error and that their subscriber is no longer in business, or have failed to provide any proof of debt. I again ask that the information being reported be verified outside of e-OSCAR and the names and contact information be provided to me if Equifax chooses not remove the items in accordance with the FCRA 15 USC 1681 et seq. This erroneous information continues to be provided by Equifax in violation of before mentioned statute. 

ACOOUNTS BEING REPORTED IN ERROR : 1. XXXX XXXX XXXX - XXXX 2. XXXX- XXXX, Paid directly to provider, proof of payment provided 3. Item listed as " NOT REPORTED-XXXX '', Not my account, unable to verify any creditor. 



We appreciate the CFPB 's assistance in having the above erroneous items removed or updated by Equifax. 

Thank you.
Complaint sub-issue: Information is missing that should be on the report

While reviewing my credit report today, I discovered an unknown collection item on my credit report. IC System Commercial has an unknown collection on my account for {$0.00}. When contacting the number ( XXXX ) I discovered the contact information is incorrect. How does this happen?
Complaint sub-issue: Was not notified of investigation status or results

On XXXX/XXXX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the Equifax data breach and may have gotten in the wrong hands.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Cbna bank XX/XX/2022 i got a hard inquiry that i want deleted. 

By XXXX XX/XX/2022 i got a hard inquiry that i want deleted also. 

I say this because as you can see i have nothing on my credit report before that, because i never knew anything about it. I jus started working on my credit in august with credit lines i have on my account now thats the only thing i recognize. I gave No consent for those other inquirys
Complaint sub-issue: Credit inquiries on your report that you don't recognize

RE : Remaining items To whom it may concern : XX/XX/XXXXThis letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1.  XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. SYNCB/JCP 4.  XXXX Sincerely XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I am submitting this complaint about XXXX XXXX. The company representatives ARE RUDE AND UNPROFESSIONAL. They contacted me about a debt from an old apartment community where I worked and lived. They never explained the debt break down and have added interest on the debt and it is negatively affecting my credit score every single month. I am currently trying to purchase a home and I am unable to move forward in the process. This company has failed at communicating with me to resolve this issue. The original balance has now increased by {$1500.00}. This is a balance from XX/XX/2016.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I am writing in regards to my account with Citi Cards account # XXXX, the reason for this request is the reporting of late pay reporting in XX/XX/2020. As I am sure you are aware that FEMA declared a national disaster occurred during that time which has impacted me.
Complaint sub-issue: Information is not mine

On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to Equifax. The XXXX XXXX XXXX, account number XXXX, fraudulent account was never removed from my file. This account is documented in the Identity Theft report which included an FTC complaint and a police department complaint that was provided to Equifax. Equifax claimed to verify the information using my name and social security number. My name and social security number has been used by someone else without my permission. This is the root cause of the entire problem. 
On XXXX XXXX, XXXX, I submitted a complaint to the Consumer Financial Protection Bureau, Case number : XXXX. In this complaint, I attached the same information showing that XXXX was disputed and listed in the initial police report and the FTC report for Identity Theft. Identity theft in which my name and social security number were used without my permission. 
On XXXX XXXX, XXXX, Equifax again refuses to remove the inaccurate account information from my file stating " XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number and address. Written confirmation has been mailed to you. '' This is the whole reason I am disputing this account, someone has stolen my identity and is using my name and social security number. 
I do not own a home. I have been renting since XXXX.
Complaint sub-issue: Account status incorrect

My credit report has an account for Hunter Warfield and it is listed as a closed account. It is also reporting as being paid late this month which lowers my score. I have disputed it and have spoken to the customer service representative concerning this. The agent does not seem to understand English well and continues to tell me that it will remain on my report for 7 years. I continually tried to explain that the report is inaccurate but nothing ever happens.
Complaint sub-issue: Information belongs to someone else

There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX  ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ohio XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX FDCPA XXXX XXXX violation misleading false reporting
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. It has been well over 30 days and still have not gotten any reply. According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. THIS IS A VIOLATION OF MY RIGHTS. 

The letters were mailed out certified : XXXX XXXX Mailing Tracking Number : XXXXXXXX XXXX Certified Mailing Tracking Number : XXXX Equifax XXXX Mailing Tracking Number : XXXX I've attached the letter sent out to all 3 Credit Bureaus. 
All letters were signed and sent with my Government ID and Proof Of Address.
Complaint sub-issue: Their investigation did not fix an error on your report

I've disputed this XXXX XXXX XXXX, and XXXX/XXXX   account on my credit report several times. I even provided documentation and spoke to several representatives over the phone at equifax and XXXX. They refuse to investigate and fix the problem. They will not tell me how they investigated, who they spoke to, and how it was " verified ''. Pursuant to FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than15 days after receiving a requestfrom the consumer for that  description. in which both companies have failed to do. All they keep saying is " the furnisher said that it was accurate '' but, I submitted court documents along with my disputes which they refused to look at because some reason the complaint I previously filed is " 122 pages long ''. I even sent the documents separately through equifax and XXXX  upload system on their websites. They refuse to remove this charge off. I also notified each bureau Equifax and XXXX  that the file was charged off in XXXX so therefore it should not be reporting a charge of every month for the past 5 months since XXXX. My email notifies me every month that I have a " new missed payment ''. I've even pointed that inaccuracy out to their supervisors ( Equifax and XXXX ) and they refuse to remove the account. They  just keep putting the account back into dispute and telling me that its " verified ''. They are violating my rights and I am demanding something be done about this. They are not conducting " reasonable investigations '' or speaking to anyone and I dont feel that e-oscar is a sufficient way. I have also included a few other accounts that are being tampered with on their end which shows " 29 charge offs '' for XXXX account on my XXXX  report that is a charge off every month for 2 1/2 years. That was a duplicate account that popped up on XX/XX/XXXX out of nowhere so I spoke with a rep about the duplicate account. My score is completely damaged and can not heal from these mistakes. This is very inaccurate reporting from both equifax and XXXX. They are not investigating these disputes they are tampering with my credit file and I demand it be reasonably investigated or removed. That is a violation of my rights under section 616 and 617 of the fair credit reporting act. Equifax told me that, " they do not provide any documentation on how they investigate and that they only report what the creditor tells them to ''. That is also a violation under 616 and 617 of negligent noncompliance and willful noncompliance even though I provided them with court documents for my XXXX XXXX  XXXX account.
Complaint sub-issue: Funds not received from closed account

HELLO MY NAME IS XXXX XXXX, THE CITI BANK ALREADY HAS MORE THAN 3 MONTHS THAT IS IN THE PROCESS OF CLOSING MY ACCOUNT, AND IT IS NOT YET CLOSED, THE ACCOUNT HAS {$3000.00} BALANCE AVAILABLE AND THE BANK HAS NOT SENT ME A CHECK WITH THE FUNDS THE DELAY IS TOO LONG THE BANK DOES NOT WANT TO CLOSE THE ACCOUNT AND SEND ME THE CHECK WITH MY FUNDS, PLEASE ACT NOW AND SEND MY CHECK. 

DEBIT CARD : XXXX
Complaint sub-issue: Debt was paid

Medical debt from XXXX XXXX PA, {$25.00}. Was paid by customer in XXXX receipt # XXXX. Then in XX/XX/XXXX debt was sold to collections and placed on credit report as collections showing past due amount of {$25.00}. Debt was disputed through XXXX and was not deleted as requested. But was marked as account information disputed by consumer. Debt was paid in XXXX, and was brought to the attention of original creditor again on XX/XX/XXXX and was informed that they were working on the issue and that it would be corrected. Credit report was viewed again on XX/XX/XXXX and is still showing past due {$25.00} in collections not being updated since XX/XX/XXXX. This collection should have never been placed on credit report.
Complaint sub-issue: Information belongs to someone else

On my Equifax credit report, the current/previous addresses listed include XXXX XXXX XXXX, XXXX PA. However, I have never lived at this address. This individual is related to me, but he is not me *and* I 've never lived at this address. I would like to have the erroneous address removed from my report so that I do n't ever end up with incorrect information associated with my credit report. 

I request that XXXX XXXX XXXX XXXX PA be removed immediately from my credit report.
Complaint sub-issue: Trouble with how payments are being handled

I 'm having a problem with AES, whom holds my student loans. The problems are the following ; 1. I have not received statements via mail nor email from the company. I 'm currently signed up to receive electronic statements and have not received them in my inbox nor spam. I 'm requesting the following delinquencies removed from the credit bureau report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. <P/>2. There are 3 loans held by the lender, all with different due dates during the month. Three months ago I requested a due date change to the XXXX of the month for all three loans. The lender has yet tp respond to the request. The request was submitted twice via the online system and once with a representative. Each time they indicate it takes 15 days to process the request. They have intentionally made the due date varying days during the month to confuse me and collect additional late fees on the loan. <P/>For example, the month of XXXX reported an amount due of approx. {$600.00}. XX/XX/XXXX I paid {$200.00} to bring the amount due to Approx {$400.00}. Two days later is had increased the amount due back to {$600.00}. I paid another {$220.00}  on XX/XX/XXXX. XX/XX/XXXX the account was back up to {$600.00} due, I paid {$490.00}, followed by two payments of {$140.00} and {$34.00} on XX/XX/XXXX. In total, I paid {$1100.00}. My monthly payments total {$320.00}. The representative was unable to explain where my money went and why the payments were not reflective of the balance due. I have been unjustly charged late fees and additional payments. <P/>I request an audit of the lending practices with payment due date, payments applied to accounts. It appears my monies paid were not applied to the balance.
Complaint sub-issue: Account information incorrect

XXXX Accounts : XXXX XXXX XXXX : Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX Equifax Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX Accounts : XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX I am a victim of identity theft. Since these accounts are reported repossessed, paid off, or charged-off it should not still be reporting the 1. Open date, 2. Date of last payment, 3. monthly payment amount, 4. date of last activity, 5. account number
Complaint sub-issue: Their investigation did not fix an error on your report

THE ACCOUNTS I DISPUTED WERE NOT REMOVED THEYRE NOT MINE. I ALSO FILED A CLAIM WITH FTC.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Elan Financial stole my {$300.00} deposit. The company stole my account information charging hundreds of dollars to my account. The Fraudulent actions resulted in illegal charges of {$140.00} dollars in financial charges, XXXX dollars of fees and the dilution of the security deposit. <P/>This company has illegally submitted negative information to the credit report agency. The company has diluted the security deposit ( {$300.00} ) but, states on the credit report a balance including the {$300.00}. <P/>The previous complaint has n't resulted into a sensible response. The company has admitted to not researching the Fraudulent charges that was made my their employees in a timely fashion. The company previously admitted to illegally charging finance and annual fee to the closed account. Lastly, Elan Financial stole the account deposit without submitting the legal federal paperwork. The security deposit account was in my name with US Bank,  this company dilute the account without filing papers with the court.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Dept of Education XXXX XXXX XXXX U.S. Department of Education XXXX XXXX U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDept of Ed 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 U.S. Department of Education XXXX XXXX, XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have a medical debt that was being paid on a regular monthly basis with XXXX XXXX in XXXX XXXX XXXX Utah. The company was accepting my monthly payments on a medical debt from a XXXX and hospital stay and gave me no options to continue to pay monthly until the debt was paid in full. They instead transferred my account balance over to a collection company called IC Systems to collect the payments instead which is now reporting on my credit reports as a collection account. I find this to be incredibly unfair to be damaging my credit report when I have been more than willing to continue paying uninterrupted monthly payments. This has caused me a hardship because my other creditors can take adverse actions against me even though I have done nothing wrong.
Complaint sub-issue: Information belongs to someone else

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$100.00} ; Medical XXXX Balance : {$480.0XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$810.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.