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

Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX ) ] in the Honorable XXXXXXXX XXXX  credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the Hon.XXXXXXXX XXXX  credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).
Complaint sub-issue: Problem getting your free annual credit report

XX/XX/2020 : Made many unsuccessful attempts to get my credit report on line from Equifax, both at XXXX and at XXXX. I could not obtain my report, and received messages " Try again later '' or this error : XXXX XXXX XXXX XXXX XXXX I also made many calls to their phone number for help, and their customer service representatives insisted they were not having any trouble. 

All total, I probably spent two hours in unsuccessful attempts to get my report. 

Curiously, however, I was directed to another area of their website which would enable me to get a free credit report ONLY if I agreed to be marketed, and to allow them to pass on my personal contact information for that purpose!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I sent Equifax a request to remove an unverifiable collection on my credit report. I have not received any response regarding the investigation. This is highly damaging to my credit report, and there is no creditor or collection agency listed so there is no way to validate this account.
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. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Complaint sub-issue: Can't close your account

Hello, Few months ago someone opened an account using my personal information which I did not see until a few days later when I received an email alert from my bank that I got a new account opened and had new inquiry. Then I quickly responded to that by putting a criminal watch on my credit on all the XXXX credit bureaus then I quickly opened a case with each credit card company to close the account because it was fraudulent and I never opened it. Later after XXXX days I got a mail saying I am responsible for the credit card opened and everything I have to pay for. I am not responsible for anything on these credit cards because I have never opened an account there neither do I even have purchase history of me buying anything at those stores. After looking further the items were bought from stores that are super far away from my house when I have around like XXXX branches around my own house. It is unfair for these companies to just do a small investigation and just make a decision depending on that. I will be opening a police report in the next few days and probably will hire a lawyer to get this situation sorted ASAP. There are no evidence or claims that these accounts are owned by me so I don't know how they considered that they are my responsibility. 

thank you
Complaint sub-issue: Old information reappears or never goes away

AS OF XX/XX/2019 XXXXXXXX XXXX-ORIGINALLY CREDITOR WAS XXXX REMOVED A CHARGE OFF OF {$190.00} REPORTING AN INCORRECT ACCOUNT NUMBER AS WELL OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND IN THE MONTH OF XX/XX/2019 IT WAS REINSERTED ON MY EQUIFAX REPORT I WANT THIS DELETED PERMANENTLY!
Complaint sub-issue: Account status incorrect

This is re-aging which is illegal.I disputed these account XX/XX/XXXX and on XX/XX/XXXX and multiple dates in XX/XX/XXXX because they updated the information which is still incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MI XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XXXX XXXX. XXXX
Complaint sub-issue: Report improperly shared by CRC

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX is showing a collection item on my credit report however I have never had a contract or agreement with the company listed RMB INC XXXX XXXX Account # XXXX {$3200.00} Company has never contacted me in regards to any bill contract or agreement
Complaint sub-issue: Information belongs to someone else

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/22 While checking the above report, it came to my notice that your Company has furnished an account on my report. 


In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX XXXX XXXXXXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE
Complaint sub-issue: Personal information incorrect

I have requested my current information be Updated properly on my credit report My name is XXXX XXXX XXXX. My current employer is XXXX XXXX XXXX. The following addresses are not mines please remove delete them : XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following number are not mine please delete/remove them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Other problem getting your report or credit score

XXXX XXXX, I sent for my free annual credit reports. I received XXXX and XXXX, but nothing from Equifax. 

XXXX XXXX, XXXX I was denied for a loan based on information in an Equifax report. I finally spoke to someone on XXXX/XXXX/XXXX, explained what happened and again requested a copy of my Equifax Credit Report to correct any wrong information they have. I was given confirmation number : XXXX Still, I have not received anything.
Complaint sub-issue: Debt is not yours

I never open up an account with this company and i told them and they are not responding to me at all so i need this remove from my credit saying im late and i never open nothing with them before that's fraud.
Complaint sub-issue: Overdrafts and overdraft fees

I was selling my purse through the app called XXXX. The name XXXX XXXX she said she was interested in my bag send me emai and text message she said shell send me a check amount of {$1900.00} and the rest of the money send it to her daughter through XXXX. It was XX/XX/2020 I deposited the amount of {$1900.00} payment for my purse was {$630.00} and the rest of the money I send it to XXXX after a 2 weeks my checking account was overdrawn {$1800.00}. Please please I need your help
Complaint sub-issue: Debt was paid

I pulled my credit report and noticed that XXXX and Equifax were reporting a derogatory mark on my credit from XXXX XXXX XXXX. I sent a letter to XXXX and Equifax via certified mail ; disputing the validity of them posting this on my credit report and asked for verification that the debt was owed and that it was mine, as well as proving that I owed the debt from my wet signature and that all documentation be verified with my social security number, date of birth, address and phone number. XXXX wrote back saying they are unable to verify the information and that the information would be removed. It was removed from my XXXX report within 30days. Equifax simply responded by saying that the account was verified and that the amount was updated but the account would remain on my Equifax report. Per the FCRA, this is illegal reporting and is not considered verification of indebtedness by Federal or State statutes. We have been given specific instructions by our legal counsel, to file a complaint and send Equifax another Validation Letter before proceeding with a lawsuit. They have not been diligent in complying with the FCRA, Federal or State statutes and we seek to have the account removed immediately and an updated copy of the Equifax report mailed to my address.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Creditor : XXXX Inquiry Date : XXXX XXXX Please remove this collection account from my credit report. I have never heard of this company nor have I ever done business with them. 

Creditor : XXXX XXXXXXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report. This account is reporting incorrectly. 

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report I am not aware of this Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XXXX XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XX/XX/202XXXX XXXX
Complaint sub-issue: Threatened to sue you for very old debt

I have been served a XXXX XXXX Justice Court papers in XXXX, Arizona ; stating I owed {$6600.00} to Sears Mastercard credit card ( Citibank, NA ) My name is XXXX XXXX XXXX and in the Court papers appears as XXXX " XXXX  '' XXXX. 
and in the application for Entry of Default is XXXX " XXXX '' XXXX, a married woman, I have been divorced since 1981. 
The statement is in '' XXXX '' a language I don't use at all. 
They do not show the account number, except for the last 4 digits which are XXXX. 
When I called Sears they informed that, that account doe not exist. 
I have been notified that if I do not answer or file a responsive pleading with the Court the Default will be effective and the Plaintiff may request a judgement to be entered against myself.

I have talked to the XXXX XXXX XXXX, XXXX The XXXX in XXXX Az.with no positive results. 
I do not owe that money and I feel very frustrated with this situation.
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Credit collection acc # XXXX I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am filing a complaint against Dept of Ed/XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX I am a consumer whose personal, family, and my family household was affected by Equifax Data Breach FDCPA 15 USC 1692 ( a ) ( 5 ). Over the last two years or more when I pull my credit files as I was being harassed and abused.15 USC 1692d ( 1 ) ( 2 ) ( 3 ) ( 5 ) by debt collectors claiming I owe a debt or applied for different credit. while I pulled my credit file I see derogatory marks and low scoring on my file ( unjustified ) which affects my household. Equifax failed to do a proper investigation of FDCPA 15 USC 1681 ( a ) ( 2 ) ( 3 ) ( 4 ) ( b ) ( a ) ( c ) ( d ) ( 1 ) ( c ) ( e ) before placing such negative remarks as well as creating a false belief about me as a consumer. This action caused as well Identity theft 18 USC 1028 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 6 ). I have sent Equifax Data Breach Settlement my Recovery of Damages along with the printed document stating my information was part of Equifax Breach. 
engagement number XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Third party are reporting a bankruptcy on our credit reports. The bankruptcy is not disclosed by the bankruptcy court and are in violation to the fair credit act. I have asked for it to be removed from our credit reports but keep getting from the credit bureaus that it is a valid reporting without having verification other than stating theu received it from a third party. The bankruptcy court has informed me that they do not report information to the third party and that they do not disclose bankruptcies.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$2500.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Debt is not yours

I have a collection account from JEFFERSON CAPITAL SY on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. You are in violation block and remove unless debt is validated. The amount of the account is for XXXX.
Complaint sub-issue: Reporting company used your report improperly

I have discovered that my information has been compromised by the recent Equifax identity information leak.
Complaint sub-issue: Frequent or repeated calls

On XX/XX/2018 at approximately XXXX MST, I received a call from US Bank Card Member services. Agent calling asked if I was XXXX XXXX..I answered by saying Who is this ... The agent the proceeded to tell me who she was and the amount of the debt owed and asked me for payment. When I asked her why she told me all this without verifying its me she got hostile so I asked for her supervisor but she hung up. I called XXXX XXXX member services back and spoke with a supervisor who said she will follow up with me in 72 hrs. Later I get a call back apologizing for the issue and promised it wont happen again. ( also kind enough to waive the late fees ). Today XX/XX/XXXX at XXXX MST I get a call from US Bank Card membeXXXX services Again agent asks for XXXX XXXX again I answered Who is this? The agent went on about who she is amount of the debt days late and asked for payment ... Like the previous agent I asked her why she released all the information without verifying. Again agent got hostile and hung up before i had a chance to ask for supervisor. I called back to talk with a sup whom didn't sound all to helpful but still gave me the information i needed to get this report done.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XX/XX/2021 SSN : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX  Account # : XXXX, Account name : XXXX XXXX XXXX has violated my rights.

15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Public record

I filed a complaint with the reporting agencies stating that the Public Record Information was inaccurate. It is my understanding according to Public Record law and dictionary definition that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. I approached the Bankruptcy court where the case was initiated and the Bankruptcy Court has confirmed that they did not verify by documentation. Although I received proof that the reporting agencies did NOT " verify '' from the origin, the credit agencies have stated I can no longer challenge this negative entry which is against FCRA law. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.