Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

Equifax is reporting an alleged account. I have disputed this account on numerous occasions. Equifax keep saying that this alleged account has been verified but equifax will not send me documentation of the alleged account. A bill is NOT Documentation. Equifax is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all the different laws the equifax of nunneries of 609 letters and they are continuing to do the same thing. Equifax knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit
Complaint sub-issue: Account status incorrect

A LATE PAYMENT FOR XXXX XXXX ON XX/XX/2021. IM DISPUTING THIS AS INACCURATE AND INQUIRIES THAT DOESNT BELONG TO ME FIRST ONE IS XXXX XXXX XXXX  XXXX XXXX SECOND ONE IS XXXX XXXX XX/XX/2021 THIRD ONE IS XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I appreciate the time of CREDIT BUREAUS to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 XXXX and EQUIFAX are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous Complaint with # XXXX XXXX ; XXXX ; XXXX & I am including it again. Please delete the following items : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ;
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquires listed on my credit file that do not belong to me. I have sent letters to Equifax to get them deleted and they are just ignored. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the companies. They stated that a dispute needs to be filed with equifax. Factual record of file access is not factual when its fraudulent inquiries. FCRA states that the CRA must investigate any inaccuracies reported on a consumers credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

Not my accounts, never received anything verifying these are debts or their relation to me. This is a strict violation of FDCPA and FCRA. Also, talked to the company & they themselves lack any info & agreed to remove them.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXX XXXXA ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; CXXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax used website to have personal information entered to give a reply if such personal information was compromised. Website that was used for this from Equifax has been reported as fake and may have compromised the information if it was not before.
Complaint sub-issue: Didn't receive enough information to verify debt

I have requested a written notification that was sent by certified mail on XX/XX/2022 disputing debt. I have requested ( I.Q. Data International services ) to provide me with verification of debt. However, I received an alert on XX/XX/2022 from all credit bureaus on a collection account on my credit report. I.Q. Data International has given me a date of XX/XX/2022 to dispute the debt. However, when I called I.Q. Data International and spoke with XXXX XXXX agent ) he was very rude and didn't attempt to research my request. According to XXXX the company does not see a dispute letter on file. However, I have proof that the letter was picked up from the post office on XX/XX/2022.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

After seven years of providing full-time care for my mom, she was placed in a XXXX  XXXX under fraudulent guardianship that court and medical records documentation provide conclusive evidence of benefit exploitation by the XXXX  XXXX as well as other parties involved. The XXXX XXXX negligence and subsequent greed resulted in my mom being XXXX that cost her XXXX in XX/XX/XXXX. 

As I hadnt worked since XX/XX/XXXX to provide full-time care to my mom, I wasnt able to work even part-time due to health concerns that resulted from very sporadic symptoms of XXXX that were not detected early on. 

What Id earned from when I was employed went toward expenses that my mom and I had split evenly. 

The incidents surrounding the guardianship were such that I was emotionally shaken as I did not know that guardianship fraud even existed until after it happened. I was literally traumatized without recognizing it at the time as a local hospital suddenly took my mom into their custody without my knowledge or consent ( POA was superseded by them ) and without explanation as to why or proper cause. Her medical records who two false diagnoses, one that was used to get her into hospital custody, the other to keep her there... her recent medical tests prove both diagnoses as false. 

I contacted Citi Cards shortly after my mom was placed in the XXXX XXXX to let them know that I was not able to make my designated payments and why. 

They offered to close my account and lower my payments to {$76.00} per month that I was able to pay without issue at the time as I was receiving regular financial assistance by my moms brother who I didnt realize until decades later finagled my grandfather/their father into literally handing over the majority of his estate to my uncle, resulting in my mom getting the least of the XXXX children ( her other brother got an entire bank account and sent her an undisclosed percentage of savings bonds from that account seven years after my grandfathers XXXX ). 

When my uncle, without explanation decreased the payments via savings bonds from bi-monthly to tri-monthly, I was only receiving $ XXXX/mo. and still reporting detailed accounts of the guardianship to both state and federal factions pertinent to it.

When I called Citi Cards and explained that my financial hardship difficulties, without telling me they put my account into collections status, first raising the payments to $ XXXX/mo. then more recently to $ XXXX/mo. without my knowing that the account had been put into collections and ruining my previously clean credit rating.
Complaint sub-issue: Their investigation did not fix an error on your report

This company is refusing to correct my Personal Information and my SSN I submitted all the documents requested by fax and regular mail. please see attached. this company refused to accepted my disputes with the excuse of me having multiples SSN and that's a false statement.

please see attached letters sent to this company ( XXXX ) and documents as proof of identity update my personal information and remove/ deleted any other profile open on my name that should not. correct all mistake made for this company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX 2021, there is a hard inquiry made by Discover Financial Services. I have contacted the company with the number provided on my credit report. The company has told me that they have no information regarding that date or that someone used my information to take a loan out/credit card. I called XXXX to see if I can take the hard inquiry out. XXXX said have to make a report with the Federal trade commission.
Complaint sub-issue: Their investigation did not fix an error on your report

I reported a credit reporting issue to all XXXX credit bureaus regarding XXXX Arkansas reporting incorrectly about a debt, as well as not accepting payment in efforts to remove the negative account from my credit report. 
I have contacted XXXX at least 7 times in the last 10 months ( phone, letter and through credit bureaus ) in efforts to clear a debt that has been reported on my credit report. I do not have the address the company is needing in order to access the account, despite providing all possible addresses I lived at in Arkansas and providing my social security number. The company representatives have refused to transfer me to higher level supervisors in efforts to reach someone who could accept a payment and remove the account from collections. 
After I reported it to the credit bureaus, I received XXXX  letters ( XXXX  is attached ) stating I need to contact the business at a non-working number that my credit representative has also reached out to with no success. I have called the correct phone number and tried to use the account number and provided the account number from the letter sent by XXXX and XXXX, and nothing from Equifax. The XXXX representatives I have spoken to claim the account number is incorrect and/or does not exist. My credit restoration representative has also exhausted all contact options to reach out to the company with no success of reaching someone who can help. We have tried paying this debt off to delete from my credit report, but they refuse. This specific credit bureau has not helped in solving the issue by providing incorrect information, and this not completing their research and reporting to my credit reports appropriately. This negative credit needs to be removed immediately if XXXX is unable and unwilling to accept payment and all XXXX credit reporting companies continue to report incorrect information.
Complaint sub-issue: Can't close your account

On XX/XX/2022 the citi cc service said I can't use my new cc, they can't verify my info asking for others cc info. They won't Close my cc because they are mailing me something they are still charging me for information they can't verify.
Complaint sub-issue: Problem with personal statement of dispute

This is hard to describe, but this best I can do. I watch my XXXX  report. I am a XXXX, not XXXX. 
I am relocating from XXXX  to XXXX. An XXXX  rward card would help. 2-3 weeks ago, XXXX  reported I had one hard inquiriry. 
I applied to XXXX and XXXX and was denied due to excessive inquiries - all of a sudden 9. 
I also got a notice with the wrong address stating I was denied for a loan. It had the wrong address on it and I have no recollection of applying. And why would I. I am happy with my XXXX XXXX and Bank account. 
People dont answer the phone and I can not delay patients to to sit on hold. It is XXXX and I havent slept. 
I know have been defrauded by XXXX, but have no meaningful resolution process. I get denied for a purchase I did not have a meeting of the minds with and I never received. They refused to contact vendor, the obvious solution. They also approved a transaction flagged as fraud by XXXX XXXX, which I am not stupid enough to ingnore and reply to XXXX. 
I have a time issue due to working long hours, plus my relocation is in danger. As a XXXX XXXX during Covid, this seems quite unprofessional. I reach out ot you as 1 ) Inquiriry count is wrong 2 ) fraqudulant charges 3 ) lack of response by credit agencies and issuers 4 ) inability to persit due to time limitations 5 ) Risking poverty due to not being able to fulfillobligtions due to these errors. 

I dont know where else to reach out I the consquence become serious in a week or two.. 
I thank you for any help you can supply and getting these complaints on the record. 

Respectfully, XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. They have " picked and chose '' which credit bureaus to remove accounts. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally. This erroneous and negative information has prevented me from refinancing my home, purchasing a new home, and purchasing a family car at affordable rates.
Complaint sub-issue: Information belongs to someone else

This is not my account I was an authorized user. I was removed as an authorized user in XXXX. But Equifax still shows me as an authorized user. Because this card has high utilization it is negatively impacting my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX  XXXX
Complaint sub-issue: Threatened arrest/jail if do not pay

These people wont stop calling me or my family members, friends and work. They even harrass me on facebook. Telling me I 'm going to jail, they 're suing me etc. They call 100 times a day and night.They say that I 'll lose my home etc. This cc was my ex husbands from over 15 years ago and the bank says they charged it off years ago!
Complaint sub-issue: Threatened or suggested your credit would be damaged

In XX/XX/2019 my students were discharged and all balances XXXX  due to XXXX  XXXX  XXXX  XXXX per the Department of Veterans Affairs. XXXX  has been notified that their credit reporting system is displaying multiple accounts with FEDLOAN SERVICING XXXX XXXXXXXX XXXX, PA XXXX Phone # : XXXX In a " Derogatory '' status which has had severe credit impacts to my credit score. I have contacted Fed Loan servicing and XXXX  and disputed the inaccurate information multiple times and the information remains to this date as of this complaint.
Complaint sub-issue: Information belongs to someone else

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$31000.00} XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX XXXX {$240.00}
Complaint sub-issue: Information belongs to someone else

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. The Law plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those 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 have caused me. My information was also impacted by XXXX  as well as the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

Choose according to account type. These can be combined. My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Complaint sub-issue: Information is incorrect

I have contacted Equifax 4 times a month since XX/XX/XXXX, they keep reporting an address I have never lived at on my credit file. I am always told by them it will be deleted with in 24-48 business hours, I will always receive a dispute confirmation that it was deleted, but then it would be re added to my credit profile the following day. I was told that they would block the address and never did. My last call I spoke with XXXX who had no intention to help me, she put me on long holds to laugh and giggle with her other employees you could hear it every time she un-mute her phone. They do not take their job seriously and I constantly lied to. The address has reappeared XX/XX/2017,  XXXX advised to me it would be removed. I have faxed them XXXX, social security card, and utility bill. I have even went out my way to email the CEO, everyone think this is joke. I 've reached out to all my creditors even the ones that are listed poorly on my account and no one has that address for me, I want this address deleted. This is not my address.
Complaint sub-issue: Account information incorrect

Equifax and XXXX are reporting incorrectly that I am an authorized user on the XXXX CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I contacted Equifax in reference to several accounts that are appearing in my credit file that contain inaccurate information. The following accounts are remaining on my credit about even after I disputed it on several occasions, XXXX,XX/XX/XXXX and XXXX. I have supply my I did it though affidavit along with my identification and a police report and B 's in accurate items remain on my credit report. Items have been delete it from the other two agencies. The accounts are : ( Collections ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX was removed but put back on my credit report. ( Inquiries ) XXXX on XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I was a XXXX  in XXXX XXXX. I was injured during football practice on XXXX XXXX County School District. I also had Florida XXXX ( XXXX XXXX ) and XXXX XXXX! My mother called the office of XXXX XXXX  informing them of this information. The biller at the office refused to listen or bill either of the insurance companies. Im not responsible by law for this bill. They need to bill XXXX XXXX, than bill XXXX and if a balance is left they are to bill the XXXX XXXX County School District.
Complaint sub-issue: Their investigation did not fix an error on your report

There is a closed paid collection being reported on my Equifax credit report by a debt collection agency that I did not have an account with. In  XXXX   XXXX , I noticed  XXXX   XXXX   XXXX  based in  XXXX , MD reported that I owed them {$120.00} and that the account was opened on  XXXX   XXXX ,  XXXX . I had never received any correspondence nor had I had any communication with this collection agency. I disputed the debt with Equifax twice and with   XXXX   XXXX   XXXX  . According to  XXXX   XXXX , the tradeline was removed on  XXXX   XXXX ,  XXXX . Approximately, a week and a half later the tradeline had reappeared on my Equifax report with the same inaccurate information. I then contacted the original creditor The  XXXX   XXXX   XXXX   XXXX  to inquire about the amount that the collection agency was reporting. On  XXXX   XXXX ,  XXXX  I went into the credit union and paid them directly in the amount of {$140.00}. Because this inaccurate information is negatively affecting my credit score, I asked the credit union to inform the collection agency that the debt has been paid in full and to remove the inaccurate information from my credit report. To this day the collection agency is still reporting on my Equifax report as if I had paid them instead of the original creditor. While the account has been updated to paid and closed, I would like for the debt collection agency to be completely removed from my credit report since I did not have an account with them, I did not sign a contract with them and I did not owe them any debt. I have attached a copy of the paid statement received directly from the credit union.     Thank you in advance for your assistance.