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

I have never had any XXXX with the IRS or the state and this info shows up on my credit report. I have contacted both the IRS and state and they have no record of me owing a XXXX. this info. is possibly fraudulent and does not belong to me as I can recall. I need for someone to look into this misrepresentation of facts on my report and have it removed ASAP. Also, they are past the 7 year time frame an item can stay on your report and need for it to be removed. 

Can someone please look into this have it corrected and send me an updated credit report. Also, the reporting bureau should be fined for placing inaccurate info on my credit report.
Complaint sub-issue: Old information reappears or never goes away

XXXX equifax and XXXX are COMMITTING ILLEGAL ACTIVITY AND DENYING ME AN INVESTIGATION FOR TWO MONTHS NOW CLAIMING AN INVESTIGATION IS IN PROGRESS, WHICH IT IS NOT!! IM opening a new complaint and suing them. They did not investigate and remove XXXX and XXXX XXXX XXXX and XXXX XXXX from my credit reports which are fraud and illegal accounts WITH ILLEGAL FRAUDULANT AMOUNTS AND INACCURATE, FRAUDULANT DATES WHICH UNDER SECTION 609 OF FCRA, XXXX EQUIFAX AND XXXX must REMOVE THIS FRAUDULANT ILLEGAL INFORMATION IMMEDIATELY. I DONT OWE THESE COMPANIES ANY MONEY AND THIS IS AN ILLEGAL FRAUDULANT DEBT. XXXX XXXX AND EQUIFAX did NOT perform a FCRA 609 investigation and PROVE in writing TO ME I owe these companies money for a legitimate debt which I DO NOT. IM NOT CALLING YOU ON THE DAMN PHONE AND SITTING ON HOLD WITH YOUR DEVELOPING WORLD CALL CENTER FOR HOURS TO GET MY CREDIT REPORT AND HAVE THESE FRAUDULANT ILLEGAL ITEMS REMOVED FROM MY CREDIT REPORT.!!. I HAVE REPORTED TRANUNION TO THE DC AND DELAWARE ATTORNEY GENERALS OFFICE, CASE NUMBER XXXX! XXXX EQUIFAX AND XXXX despises and discriminates against XXXX people AND XXXX veterans and intentionally causes them pain suffering and emotional distress!! I INTEND TO SUE XXXX EQUIFAX AND XXXX, THEIR PRESIDENTS AND ENTIRE BOARD OF DIRECTORS FOR PAIN SUFFERING AND EMOTIONAL ABUSE. XXXX EQUIFAX AND XXXX ARE NOW SOLELY REPSONSIBLE FOR ME NOT BEING ABLE TO PUT A ROOF OVER MY HEAD. THEY REFUSE TO PLACE IN WRITING THAT I DO NOT OWE XXXX OR XXXX OR XXXX XXXX ANY MONEY! REMOVE XXXX XXXX AND XXXX XXXX FROM MY REPORTS IMMEDIATELY!! IN ADDITION, XXXX EQUIFAX AND XXXX ARE RE-AGING THESE FRAUDUALNT ALLEGED ACCOUNTS TO MAKE IT APPEAR THEY ARE RECENT, WHICH IS ILLEGAL AS WELL.
Complaint sub-issue: Account status incorrect

I had an open credit card account with XXXX  XXXX XXXX. 
The account was charged off by XXXX XXXX XXXX  in the amount of {$720.00}. 
I made three payments to XXXX XXXX XXXX  for the following dates and amounts : XX/XX/2019 - {$200.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$470.00} XXXX XXXX XXXX  refused to update my credit report to show that they were paid in full. I disputed this information with the Credit Bureaus and directly with XXXX XXXX XXXX. XXXX  XXXX XXXX  still refuses to market the account tradeline states as either current or as Paid in Full. It is still marked as " charged off : derogatory ''. 

This is inaccurate and incorrect information. I have included copies of the payment receipts for payments accepted by XXXX XXXX XXXX  for this account.
Complaint sub-issue: Information is not mine

Equifax is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They show on my credit report that my account was closed on XX/XX/2018 and was included in a chapter XXXX bankruptcy. But, they have the account type listed as " Open Account ''. That is inaccurate. It has resulted in points coming off my credit score that should not have. I have disputed it unsuccessfully with both XXXX and Equifax. They have been emailed by my attorney. At this point what they are doing is deliberate and malicious. I want the account type to be corrected and show that it is closed or for the account to be deleted from my report. Can they not be fined for deliberate malicious harassment?
Complaint sub-issue: Frequent or repeated calls

My name is XXXX XXXX. I am the XXXX XXXX for XXXX XXXX XXXX XXXX. One of our production foreman has been receiving repeated collection calls for one of our former employees. I am aware that they are not permitted to call work. I have contacted them myself to complain and ordered the calls to stop. The latest was received today. The company is XXXX XXXX & their number is XXXX
Complaint sub-issue: Account information incorrect

Hello, I am writing to file a complaint against the Credit Bureaus for numerous FCRA violations on my credit report. First is for Chapter 13 Bankruptcy. For one, the information reporting is incorrect. The date file isn't consistent across the board and its showing the incorrect court name. If I am correct under FCRA everything reporting has to be 100 % accurate. I have sent over 6 rounds of letters and they have ignored my request which is a violation. Also, I reached out to the courthouse and they advised they DID NOT release my personal information out so they have lied about their method of verification. I am upset the credit Bureaus are falsely verifying and reporting this! Delete this from my credit report as once because I have the right to exercise rights as a consumer and challenge any negative item on my report,
Complaint sub-issue: Reporting company used your report improperly

Since XX/XX/2022 Ive been disputing with Equifax, XXXX and XXXX via credit repair services! But to no avail nothing never has happened to my satisfaction!
Complaint sub-issue: Account status incorrect

Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.
Complaint sub-issue: Investigation took more than 30 days

Disputed the amount of HOA ( home owner association ) fees. When amount is in dispute or not correct, homeowner is not required to make payment on disputed amount. HOA egregiously reported amount in dispute to credit bureau as late payment. Once account was reconciled, bill was immediately paid, however HOA and credit bureaus have been negligent in removing late payment from credit reports.
Complaint sub-issue: Information belongs to someone else

the following accounts are reported on my credit report without any authorization, it is hurting me DISCOVER PL Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX/XXXX  Account Number : XXXX This is not mine.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Complaint sub-issue: Confusing or misleading advertising or marketing

Monday XX/XX/XXXX I applied for an vechicle XXXX XXXX XXXX in which i was approved But after email and phone conversation I am filing a complaint regarding my experience when trying to finance a vehicle with DriveTime I was approved online and upon speaking with XXXX from the XXXX Fl location he proceeded to tell me that a downpayment was required, compelling me to give him my social security number/card, and asking to verify my income. I expressed to him how that is a violation of 15 USC 1605 and that down payments aren't required when financing a vehicle. Compelling me to give my social security number is also a violation of 42 USC 408 ( 8 ) and in fact is a felony. Also the definition of Income according to 26 CFR 643 refers to stocks, bonds, trusts, and estates. As a consumer when obtaining goods for personal, family, and household purposes I can, t be denied credit and completed that application in good faith. There are multiple consumer violations and even though I have already been approved I haven't heard back from him which now I am being discriminated against. I have not had a pleasant experience and will seek legal action if this matter can't be resolved.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Around XXXX XXXX XX/XX/2020 i tried filing an online dispute with multiple items. Each time I attempted to submit the dispute the system timed out with an error code of " system temporarily unavailable. '' I thought this might be due to batch processing during early morning hours. Around XXXX hours on XXXX XX/XX/2020 I proceeded to do the same thing and encountered the same error. It was only AFTER limiting the amount of items to two ( 2 ) items that Equifax 's system successfully processed the dispute. When I went to dispute an additional item, the system timed out with the same error. The only subsequent information Equifax 's system would allow me to dispute without timing out was placing a statement on my credit file. That is attempts to dispute any material items beyond the initial two ( 2 ) items appears to be explicitly blocked. 

What this means is that Equifax is limiting the amount of the disputes any individual is allowed to dispute within an unknown period. Given the nature of the current pandemic the turnaround time for processing and resolving a dispute is in excess of the thirty ( 30 ) day time-frame. Equifax appears to be regulating the information that an individual may dispute by first passing the infrmation through " ai.equifax.com '' before the system will process and accept the dispute. Any mention of COVID19 or SARS-CoV-2 as a part of a dispute appears to be rejected by the system -- even if in the personal statement. Thus, Equifax is controlling my right of notice and opportunity to be heard and is effectively abridging my rights of due process granted to me by the FCRA. The harm is that additional items that may need to be disputed remain unresolved and in my credit file, lowering my credit score and adversely affecting my ability to secure lines of credit at a time when many individuals are experiencing financial strain.
Complaint sub-issue: Account information incorrect

i need to get XXXX XXXX to cottect their files it shows XXXX XXXX XXXX XXXX XXXX late when real payments dont reflect that look at included files
Complaint sub-issue: Debt is not yours

Company is showing these debts on my report and I have disputed them but these are not mines so I have done my part by disputing those items as instructed
Complaint sub-issue: Account status incorrect

I am writing to file a complaint against Equifax, XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed dispute letters against XXXX, who inaccurately reported me being 30 days late on my credit card account on XX/XX/XXXX. When I contacted them back in early XXXX, they wrote me back via email and assured me that the item would be removed within 60 days. This did not happen. So, I contacted them again in early XXXX & followed that up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. In addition, XXXX not only refused to remove the inaccurate information, they doubled down and now report the same inaccuracy XXXX times now! 

Secondly, I have an additional complaint with XXXX. They are reporting me as being 30 days late on my credit card back on XX/XX/XXXX. Again, I also contacted them back in early XXXX and obtained a written letter stating that the item would be removed. And again no action has been taken. So, once again, I followed up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. 

My complaint is that based on their own policies, if after 30 days these complaints have not been verified, these inaccuracies must be removed from my credit report!
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy. 

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations, and other documentation used with my previous disputes XXXX removed the bankruptcy it still appears on XXXX, XXXX the court sent me a letter stating they do not report information to anyone so how are they verifying the information mailed letter to LexisNexis no respond. They are clearly in NONCOMPLIANCE with XXXX reporting requisites per CRGG as well as the FCRA, and thus damaging my credit. I have been deputing this since XXXX with evidence keeps coming back verified but they won't send me proof of verification.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Credit Card Cos . 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2022
Complaint sub-issue: Threatened to sue you for very old debt

Person called a relative phone number Ive never been contacted or received notification in the mail about this debt. Received several of the court-threatening calls. Today, I got a vm from XXXX XXXX, this time with the 'I was listed as person of interest for ( random person 's name ) ' scam mentioned earlier. Tell you to Call back from a different number, but had the XXXX for callback.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter in regards to incorrect and unverifiable things on my credit report. Right up 'til the present time more than 60 days after the fact I have not gotten a response yet, I feel as if I'm being exploited and that my questions are being avoided. I demand these accounts be deleted immediately or I will file for litigation as a result of the XXXX  you have caused me. My data was additionally affected by the Equifax data breach and It's possible that the incorrect person got their hands on it. Please Help to resolve the matter. Sadly this is going on 4 months, please resolve this issue
Complaint sub-issue: Debt is not mine

A company called CSS contacted my mother concerning a debt she did n't owe. We asked them for their address so we could send them a declaration of debt but they would n't give us their address.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXrights . 15 U.S.C 1681 section 602 A. States I have the rights 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

I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an existing mortgage with USBANK, I have paid EVERY payment, I am current, but XX/XX/2021, I called USBANK to INQUIRE about my options with A.- refinance at a lower rate B.- modify to remove PMI ... AT NO POINT, I asked or AGREED to a CREDIT PULL of any kind, I was NEVER INFORMED that USBANK was doing a credit pull WITHOUT MY KNOWLEDGE or consent... 

and they lowered my score from XXXX very good, to XXXX just good... as a matter of fact I wanted to checks their rates, because I AM SHOPPING around for the best rates FOR ME based on a XXXX score!
Complaint sub-issue: Information belongs to someone else

I am an Legal Alien from XXXX. I have never used the Social Security number for anything besides Identification verification. In XXXX I recently pulled my Consumer Reports and discovered Fraud! There are two XXXX XXXX credit cards opened without my consent or knowledge! In no way did I benefit from these accounts or had knowledge of them being open. One account over {$1000.00} the other over {$3000.00}. The other Fraudulent and un authorize account is an auto loan with XXXX XXXX that was defaulted for over {$7400.00}. I have never did any business with this company! This account is fraudulent and un authorized! These items I did not open or benefit from. They will need to be deleted from my consumer report immediately! They do not reflect my credit worthiness. I have contacted the FTC and attached the report to this complaint!
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : DEPTEDXXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Amount : {$0.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

I have not applied to any of these merchants. Why are they listed on my reports as inquires? 

XXXX XXXX Accept You applied for an auto loan on XX/XX/XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX  You applied for an auto loan on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX XXXXXXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX  You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX CAME BACK VIRIFYNG A INQUIRY ON MY REPORT BUT THEY FAIL TO PROVIDE VALID DOCUMENTATION THAT INDEED THIS HARD INQUIRY WAS APROVE BY MY PERSON