Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

There is a bankruptcy that does not belong to me on my Equifax Credit Report. 

I have never filed for a bankruptcy, and XXXX and XXXX correctly identify that I have never had one. Only Equifax has this mistake.
Complaint sub-issue: Information is not mine

CoreLogic/XXXX has placed multiple hard inquiries on all XXXX credit reporting agencies without authorization. I have disputed this matter with CoreLogic/XXXX multiple times, and they only send the same " formed letter '' XXXX times ( the exact same letter ) without any proof or any authorization. 
They must send me copies of signed proof/authorization or remove all hard inquiries from all the CRA.
Complaint sub-issue: Information belongs to someone else

Stolen identity credit card open in my name on XX/XX/XXXX15 XXXX XXXX XXXX XXXX XXXX Amount XXXX Attached is a copy of police report
Complaint sub-issue: Account status

Equifax and XXXX are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. Equifax have the information twice on the same report making my XXXX XXXX X XXXX = XXXX this is what creditors see when I apply for credit that I have an outstanding debt of {$180000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XXXX filed a complaint with XXXX reguarding in correct late payments showing on my credit report with XXXX XXXX. Has of today there results are still pending almost 3 months later. Did talk to XXXX  that had no XXXX or customer service skills. He also made no effort to help on any way
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX I mailed a dispute to IC Systems and to the credit bureaus regarding a fraudulent account on my credit report. ON XX/XX/XXXX I noticed they verified the information and proceeded to call IC Systems to get to the bottom of this situation. I was informed, based on a search of my social security number, that there was an account sent to collections from XXXX XXXX ( AKA XXXX ) for a service address of XXXX XXXX XXXX XXXX in XXXX, CA that was opened in XX/XX/XXXX. I advised them this was not me, as I purchased my home in XXXX in XXXX and had no reason to open up any service in a different city. They advised me to contact XXXX  and to " resolve it with them '' meanwhile they will remain on my credit report until XXXX   advises them to remove it. 

This is completely abusive and unacceptable. ESPECIALLY because XXXX can not locate any account using my name, social, date of birth or address. This limits my ability to start a fraud investigation with XXXX as advised my IC Systems since they can not locate an account to initiate an investigation on. What am I supposed to do other than go round and round in circles wasting my time?? This item needs to be removed from my credit report ASAPPPPPP
Complaint sub-issue: Information belongs to someone else

Someone is using my information to lease things under my name. I have never heard of any of these people but I am trying to get this matter taken care of as soon as possible. There is an account from XXXX XXXX, XXXX XXXXt and XXXX XXXX XXXX. They appear to be collection agencies and now my credit is ruined because of this.
Complaint sub-issue: Debt is not mine

My husbands mother passed away in XXXX. We have sent an original copy of her death certificate and filled out the paperwork that they sent. We received confirmation that they received these items and they still call XXXX times per day ( each of our phones ). Each time we explain what has happened and each time we are told that the calls will continue until the mortgage is paid.
Complaint sub-issue: Account information incorrect

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in XXXX wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the XXXX report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong SSN numbers. 
The accounts that are not mine : XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed several unauthorized inquiries on my consumer credit report.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX my bank mailed a cashier 's check to Home Depot. The cashier 's check had the last four digits of my account number and they included a copy of my statement. This cashier 's check was cashed on or around the XX/XX/XXXX. This check was for the Full account balance. This has yet to be applied to my account. My bank sent me the front and back copy showing it was cashed. I opened a dispute to get this payment found and applied. To date, this payment still hasn't been applied to my account. Now, they are charging late fees and calling harassing me that I'm late. This check was cashed by them and I called them to find this check and filed a dispute 10 days at least before a minimum payment was due. My minimum paymenta are due the XX/XX/XXXX so they had the check and cashed it Way before my payment was due. When I call, I get the run around that they are still missing something and yet another department says they received the notice from my bank that the check belongs to my account.
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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Debt is not mine

I have received several phone calls at work and on my cell from a woman named XXXX. XXXX said that she was from XXXX and that they received a complaint from Cash Call saying that I took out a loan or credit line on XX/XX/2010 for {$500.00}. She said that Cash Call had exhausted all avenues to get the money back that they claim I took ( ie. bills to me, collections, etc ). She referred to case # XXXX and said that if I did not reach settlement today that she would be forced to sign an affidavit and forward it to the courthouse in Oklahoma. She said that I am guilty of trying to defraud a financial institution. I never took a loan out with Cash Call or any other pay day loan.
Complaint sub-issue: Their investigation did not fix an error on your report

Around XX/XX/2019, I contacted XXXX  XXXX XXXX as well as XXXX  to remove the old accounts that XXXX XXXX, XXXX, and XXXX XXXX XXXX is claiming that my info is still valid. All these accounts were opened more than 7-10 years  ago and they should have been removed from the time they were first opened. XXXX, XXXX, and Equifax must remove old accounts that have run their legal statute of limitations and they can not keep this derogatory information on my credit report forever and damage my credit score! I can not move forward with my life and get new credit because of their false and detrimental reporting. Please help me in removing these old accounts, please.
Complaint sub-issue: Information belongs to someone else

my information was used someone used my identity to open fraudulent accounts these accounts listed do not belong to me I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX has used my personal information back XXXX and XXXX XXXX XXXX to open fraudulent accounts in my name i have filed a police report, a banker name XXXX had open several checking and savings accounts and a XXXX XXXX insurance services account and a credit card thats now on my Equifax credit report, XXXX XXXX open up checking savings accounts in XXXX aftet i came back ftom service and XXXX, i dealt with a claims rep name XXXX XXXX, he falsified information pertaining to accounts which was not settled by XXXX XXXX, these issues are coming from reps that have abused and try to intimidate over the phone, i have been going through mediation for over 5 years, and still mote accounts are out there, XXXX XXXX is trying to point thr finger back at me knowing they committed fraud and identity fraud, my information now is on the dark web because of XXXX XXXX, my credit is damaged my name is damaged, they need ro be investigated and i want them to settle, XXXX XXXX falsified information stating he settled accounts. Checking and savings that was open in XXXX and XXXX I was in the military, these accounts were never resolved and I did not sign any documentation stating I took settlement for any of those accounts. Now theres a fraudulent account on my Equifax credit file from account that was open in XXXX, credit card with a balance of XXXX dollars, this account is fraud, now XXXX XXXX needs to settle and resolve this before I file this law suite against XXXX XXXX. This information plus witnesses I have, plus XXXX and his manager have been recorded using abusive tactics, and intimidation, I will run a story on XXXX XXXX and this story and my evidence will be turn over to an investigative reporter, im Tire of the threats and these tactics, I want this resolve or I will see this in court I got enough to get for actual damages, I have documents showing accounts attempt to open other credit cards and now this credit card on my credit report and an insurance account open fraudulently by XXXX XXXX XXXX XXXX,
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

They have put this collection on my XXXX ( 8 ) eight times. I thought this was against the law. My credit score went from XXXX to XXXX. This collection agency is I C Systems Inc. XXXX XXXX 2021, XX/XX/2021, XXXX XXXX 2021, XX/XX/ 2021, XXXX XXXX 2021, XX/XX/2021, XXXX XXXX 2021, XX/XX/2021, This is all for the same bill.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 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 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 caused me. My information was also impacted by the XXXX breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt was result of identity theft

This company continues to harass me over debt that doesn't belong to me. I've sent in proof of its fraudulence, yet they continue to report it as accurate. In fact, XXXX deleted the accounts due to its lack of merit, but this company had it added back on which is illegal and a violation of my rights. This is causing me extreme anguish and I'm considering litigation. Please remove this account from reporting to the credit bureaus.
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 U.S.C 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX and XXXX XXXX XXXX {$42000.00} Account Number : XXXX Account Name : 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 follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( 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: Their investigation did not fix an error on your report

Equifax have broken the law by not responding to me. Equifax received my letter I have provided proof of tracking. They verified my account against law of usc 15 1609 FDCPA. Be advised this is 3rd and final written attempt warning that I intend to filed litigation in accordance with FCRA TO ENFORCE my rights, seek relief and recover all monetary damage that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite 2 written requests, the unverified items listed below still remaining on my credit report in complete violation of federal law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In result of your first investigation, and subsequent reinvestigation, you mentioned in writing that you verified that these items are being reported correctly? I would like to know who verified these accounts? Equifax did not provide me a copy of any original documentation with ( consumer contract with my signature signed on it ) as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ). You have failed to provide the method of verification as required under section 612 ( a ) ( 7 ). Be advised that under 611 ( 5 ) ( a ) of the FCRA you are required to promptly delete all information which can not be verified. The following accounts should be paid on time and open not closed XXXX XXXX, current account should be reporting paid on time XXXX XXXX XXXX, Delete XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed in XXXX i disputed unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. Also one account that is marked chapter XXXX which is wrong. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX, has violated my rights.

15 USC 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 a account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I noticed a hard inquiry from CNBA that occurred on XX/XX/XXXX. I had applied for a citi credit card back in XX/XX/XXXX, and there is also a hard inquiry from then ( as expected ). I do not believe I ever authorized the second pull that happened in XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE HAVE THOSE UNAUTHORIZED INQUIRIES REMOVED =.
Complaint sub-issue: Their investigation did not fix an error on your report

I became aware of a tax lien filed against me, Instrument Number XXXX, through a routine check of my credit report. After researching the issue, I determined that the State of Alabama erroneously believed that I was a citizen of the state during the XX/XX/XXXX tax year and therefore owed state taxes. I provided information to the Alabama Department of Revenue Office of Taxpayer Advocacy that resulted in Taxpayer Assistance Order # XXXX, which concluded that I did not live nor earn income in the state of Alabama during the XX/XX/XXXX tax year. Therefore, the final assessment on XX/XX/XXXX has been rescinded. Additionally, the State Department of Revenue recorded Instrument Number XXXX Release of Lien for Taxes. 

My credit was significantly degraded due to the erroneous tax lien, and I submitted the Taxpayer Assistance Order and Instrument Number XXXX, referenced above, to the various credit agencies to dispute the derogatory public record on my credit. Much to my chagrin, the credit agencies ignored the plain language in the Taxpayer Assistance Order I submitted and cited the existence of the original erroneous lien recorded in Instrument Number XXXX to find that a derogatory public record continued to exist on my credit. 

I again contacted the Alabama Department of Revenue and they sent a letter to the credit agencies requesting that reference to any tax lien be removed from my credit report. That was partially successful ; however, the credit reporting agency, Equifax, seems to be transfixed on the erroneous lien, and as long as a search turns up the instrument, no matter what logical argument is presented as to the validity of that instrument, my credit continues to be effected. 

I have filed three disputes with Equifax asking them to acknowledge that the State of Alabama explicitly directed them to no longer publish derogatory information pertaining to the erroneous lien. Equifax, however, continues to cite to the public record despite the obvious fact that it was a complete error on the State 's part. I am at a loss as of what to do.
Complaint sub-issue: Debt was result of identity theft

PLEASE SEE ATTACHMENTS. FDCPA, FCRA, GLB Act violations committed against me. XXXX is using my identity for financial gain against my knowledge and consent.
Complaint sub-issue: Account information incorrect

The credit bureaus are reporting inaccurate information on my credit report. I have never been late on a payment with XXXX XXXX XXXX and My student loans are deferred therefore I should not have any late payments reporting. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there.
Complaint sub-issue: Attempted to collect wrong amount

I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$120.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company didn't respond to my first letter or did I receive any viable document bearing my signature. I sent them a 2nd letter on XX/XX/18 continuing to dispute the derogatory item on my credit profile, this letter was received via certified mail by them on XX/XX/2018, this company responsed to my 2nd letter with a document that looks like a bill, and no other document was provided bearing my signature stating I have a contractual agreement with them. They continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company continue to break the law by falsely reporting derogatory item on my credit profile. This is illegal and unethical.