Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

XXXX- XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX , ( XXXX ) XXXX. This company since XX/XX/XXXX, has reported on my personal credit report. Since XX/XX/XXXX has reported a negative account stating I personal owe them {$780.00}, which since has been placed as a collection account. I have submitted numerous disputes providing them with documentation that this is indeed an coporation account for XXXX XXXX XXXX XXXX and not my personal account. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Virginia XXXX, had two accounts XXXX  and XXXX. They reported on my credit reports starting ( XXXX ) XX/XX/XXXX and ( XXXX ) XX/XX/XXXX. Since it also shows as a collections accounts for both on all 3 credit reports. I made an agreement with the collection agency XXXX XXXX to pay for deletion. I have both letters that I have submitted numerous times proving such agreement exists. I have since been denied over 5 times for such deletions. I still have the letters to prove this with and do not mind sharing to get this done as it should of been on XX/XX/XXXX as the letter states. 

I have since been denied a home loan due to the failure of these companies to submit accurate information and hold their promise on a contract we all agreed on. This is a direct violation of my rights under the fair credit reporting act.
Complaint sub-issue: Information belongs to someone else

I have submitted various pieces of evidence to these companies showing these accounts were frauduent or incorrect. I have been dealing with this for several months, and the agencies are using illegal practices not reviewing my information and documentation. They have also claimed they never received my letters, or simply tried to verify them throught the E-OSCAR system. My credit has suffered as a result, and I am making you all aware before I seek counsel against these agencies for the distress this has caused me.
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX Original Creditor : XX/XX/XXXXXX/XX/XXXX) XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX Original Creditor XX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXX ( original creditor : XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX ) XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

THIS IS IN RESPONSE TO EQUIFAX RESPONSE FOR COMPLAINT # XXXX. MY COMPLAINT WAS CLEAR DOCUMENTS I SUBMITTED WERE CLEAR. AND DELETION OF OF ACCOUNT THAT IS REPORTING 3 DIFFERENT REPORTINGS TO 3 DIFFERENT BUREAU. THAT IS CONSIDERED INACCURATE AND FALSE REPORTING. SO AGAIN MY COMPLAINT IS YOU HAVE NOT DONE A PROPER INVESTIGATION BECAUSE THE FACTS BEAR OUT THAT THE ACCOUNT IS BEING REPORTED DIFFERENTLY BY THE FURNISHER 3 DIFFERENT WAYS. IT'S SIMPLE AND CLEAR THAT IT CAN NOT BE ACCURATE THEREFORE IT MUST BE DELETED AND THAT WAS NOT DONE. SO MY COMPLAINTS READS AGAIN AS FOLLOWS. On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX  - XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account was verified as mines, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supoorting documentation proving and showing inaccuracies for the negative account XXXX XXXX. Now to get to the nature of my dispute XXXX XXXX 1. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, XXXX- {$0.00}, EQF- {$5300.00} 3. Reporting 3 different Balance amount, XXXX-XXXX, XXXX- {$0.00}, EQF- {$5800.00} 4. Date of lasy payment is not the same across the 3 Credit Bureaus. By looking at the documentation I submitted a these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying ACCOUNT BELONGS TO ME, WHICH WAS NOT MY DISPUTE. A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSION OF SUPPOSEDLY THE SAME ACCOUNT TO THE3 BUREAUS Its obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I sent them
Complaint sub-issue: Public record information inaccurate

Equifax continually chooses to report an invalid tax lien on my report. I have asked them to verify this information many times. I have spoken with the company who reported the invalid tax lien XXXX XXXX and they did apologize and deleted the information from my XXXX XXXX report and they have sent this information to Equifax. Equifax chose to remove one of the tax liens but refuse to remove the other. This is hurting my chances of obtaining the credit that I deserve. XXXX XXXX could not verify the tax lien belong to me. I asked the Equifax representative where was they getting this invalid information from and she stated that they received this information from XXXX XXXX, but XXXX XXXX sent them a request to remove these invalid tax liens almost 3 months ago. I should not have to suffer because Equifax refuse to remove an invalid account.
Complaint sub-issue: Information belongs to someone else

I am disappointed to discover that the credit reporting agencies did not amend my credit record or totally remove the fraudulent items. In my most recent correspondence with the credit bureaus, dated XX/XX/2022, I demanded that they produce evidence supporting their assertions that the items I am contesting actually belonged to me. The Credit Bureaus still hadn't sent me any proper proof after a month had already elapsed. I find it aggravating that the credit bureaus have refused my requests, violated section 605b of the Fair Credit Reporting Act, and have continued to record the disputed items without the necessary justification. Let me remind the credit bureaus that they are required by FCRA section 605b to delete any items and information that were obtained as a consequence of identity theft and were listed on an ID THEFT REPORT. I'm inclined to file a lawsuit against the credit bureaus to compel them to update my credit report. I'm hoping that by filing this complaint with the CFPB, the credit bureaus would act right away and entirely delete the disputed items from my credit report. The following elements need to be removed : 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: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX account # XXXX and XXXX XXXX  XXXX account # XXXX has violated my rights. 

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: Reporting company used your report improperly

Equifax confirmed earlier this week that up to 143 million customer records were breached in a hack that began in mid-XXXX and continued through XXXX of this year. That means sensitive personal information of nearly half of the citizens of the United States could be in the wrong hands. 

Compromised data reportedly included names, birth dates, social security numbers, driver license numbers and physical addresses. The intrusion was discovered on XXXX XXXX ; however, the full impact of the breach is still to be determined.
Complaint sub-issue: Information belongs to someone else

Here are the pics for compliant : CFPB # XXXX  XXXX XXXX  XXXX XXXX XXXX I forgot to attach the pics.
Complaint sub-issue: Information belongs to someone else

I several fraudulent accounts on my report that I disputed as such and wasn't removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have an account with XXXX XXXX for an auto loan. The account is no longer with XXXX XXXX. It is now in the possession of a lawyer whom is taken care of it separately. This account should be removed since its no longer with XXXX XXXXI contacted XXXX XXXX through Consumer Financial Protection Bureau and all they said was they cant do anything about the account since its no longer in there possession.
Complaint sub-issue: Other problem getting your report or credit score

I have disputed credit results on Equifax. They have refused to send me my dispute results. I have called multiple times and been told various stories. By law I should have gotten my results within 60 days. It has been over 8 months and I still do not know my results. When I call I speak to people that are unaccommodating, with heavy accents. I have found that majority of the managers and representatives have improperly recorded my previous conversations, so I have to start from scratch with each conversation. I want my results asap. No more excuses blaming the United States  Post Office ( w hich has consistently mailed me my   XXXX    &    XXXX    results ) for their shortcomings. I WANT MY REPORT MAILED TO ME NOW!
Complaint sub-issue: Information is not mine

On XXXX XXXX, 2016 I discovered that I was a victim of Identity Theft and filed an Identity Theft Affidavit with the FTC.gov. I gathered my credit reports, ID documents, Police Report, Affidavit and sent them along with a letter indicating that I was the victim of Identity theft to Equifax , XXXX and XXXX. I have NOT receive a response from Equifax or XXXX and the fraudulent accounts and information remain on my credit report. XXXX has removed ALL of the fraudulent information from my report. Equifax has been known in the pas to deny the blocking of Identity Theft information from consumers reports in the past and has had to pay an Oregon woman XXXX dollars in a law suit that Equifax lost for failing to comply with federal law and removing identity theft information from a consumers report. I will be filing a lawsuit against Equifax and XXXX for failing to comply with Federal Laws particularly the FCRA Sec. 605B.
Complaint sub-issue: Didn't receive enough information to verify debt

Regarding alleged debt owed in the amount of {$270.00} to MARS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ok XXXX. The creditor listed on my credit report. Failed attempts to validate the debt listed. I have attempted to reach the above creditor twice via certified mail. First attempt XX/XX/XXXX certified letter was returned with a message stating wrong address. Second certified letter XX/XX/XXXX was returned with message return to sender, vacant unable to forward. The name and address was obtained from the credit report
Complaint sub-issue: Their investigation did not fix an error on your report

We ordered tacos from XXXX XXXX for a food order for XXXX. My credit card declined for no reason. There was $ XXXX available. I tried to use it again and it still declined. I called key bank and was told there was $ XXXX available so it shouldn't have declined. I called the restaurant and they said they could not see an order so We used my boyfriend 's XXXX for the order. I decided to view My account because I didn't understand why it declined. My card had been charged XXXX for an order that was paid for with My boyfriend 's card because mine declined. My credit score was lowered substantially because Keybank reported amounts of XXXX XXXX times to credit agencies. Because the lender charged My card so many times it increased My credit usage. My secured card had a {$300.00} credit limit. I disputed the charges but it was reported as an excessive percentage of credit usage which caused my score to drop. I called Keybank again that Sunday and was told the charges would drop. I disputed them anyway and checked again. By XXXX  XXXX had dropped but there was still XXXX lingering. I called the restaurant and the XXXX said he would let his IT dept know and that if I still had a problem to call him back but the only order he could see was the one under my name paid for with My boyfriend 's XXXX. I checked my account again on XXXX  and the XXXX charge for {$32.00} was still showing on my end. I called Keybank and explained to their repXXXX what had happened. She suggested that I order a new card because of all the problems with the card I used. I had already paused the card online myself and told the rep. I had frozen it until the confusion was cleared up. I called Keybank and tried to view my account. I couldn't view it. My credit card account had been removed. I spoke with the rep and was told there were XXXX charges showing again. I told the rep. I didn't understand how that could be when as of XXXX  there was only XXXX that needed to drop. If this isn't cleared up it will drop my score again because of the bank 's error. I called and the representative at Keybank said there is nothing she can do right now but my credit report should update once keybank reports again. I asked her if she knew when they would report again. She said she didn't know. So as the consumer my credit which I am working hard to rebuild is being destroyed by Keybank. This is not right! This is not fair to me as a Keybank customer. I sent the requested information to Keybank showing where the order was paid for with My boyfriend 's credit card.
Complaint sub-issue: Other problem getting your report or credit score

I have a XXXX credit card. With a credit limit of {$25000.00}. Equifax is not showing this account on my credit report.
Complaint sub-issue: Right to dispute notice not received

Hello, A while back I had to have my credit pulled so my wife and I could get pre-approved for a home. XXXX of my credit scores were great, while XXXX was roughly XXXX. I found out that I had a delinquent balance of {$90.00} from XXXX XXXX regarding a bill I did not pay because I no longer lived at the apartment I moved out of. I canceled my cable subscription and returned my equipment and was not aware of any termination fee. That being said, I paid the collection bill right when I found out. It was for {$90.00}. That was back in XXXX 2015. Now I had my credit pulled again to refinance my car. The collection was still on my credit report as unpaid. I called XXXX and they told me to contact Enhanced Recovery Company. XXXX told me that there were XXXX open delinquent non-payments of {$90.00}. They had finally told me that I paid it off in XXXX of 2015 after telling me several times that there was no payment on that account. The reason for XXXX open cases is because they gave the collection back to XXXX XXXX and then XXXX XXXX asked for it again creating XXXX delinquencies. I was not aware of any of this during the years this has been attacking my credit. I now can not get approved for the car loan I want. 

They told me they can only update the file and they ca n't tel XXXX or whoever to remove it despite it being their mistake. I spoke to a XXXX XXXX at this company. I am looking for someone to get this removed from my credit report so it wo n't bring it down for 7 years. It started as a bill I had no idea about because I no longer lived at that residence and was not told about it. Then it turned into a collection that a company did not even list it as paid until yesterday. This is really hurting my credit and I am hoping the CFPB can help. I really appreciate what you do. This coming from a person that lives in the state where XXXX XXXX is my Senator knowing she played such a pivotal role at the creation being nominated. 

Please let me know what I can do for this collection agency to have it removed. Thank you! 

Sincerely, XXXX XXXXXXXXXXXX
Complaint sub-issue: Information belongs to someone else

on XX/XX/2021, I sent 4 Certified letters to XXXX XXXX XXXX XXXX regarding some collection accounts they claimed I owed. In my letters to them, I requested several specific items as to why they think owed the debt. I asked for name, address, account number and amount owed. I also asked for original creditor info, amount owed to creditor at the time it was transferred to them. I asked for verification and documentation that there was a valid basis for claiming that i am required to pay the debt to the original creditor ( ex ; some type of written agreement ). I asked for a copy of the last billing statement from original creditor, any interest, fees, or other charges. 
I asked for them to provide proof of a debt collection license in Texas with license number, date of the license, name, address, and telephone number of the state agency issuing the license. I know they have 30 days to respond to my certified letters so i waited 45 days and did not receive any response from them. At that time I asked them to delete this inaccurate info from my credit reports and yet they refused. On XX/XX/2021 I sent out a 2nd round of the same 4 Certified letters ( 1 for each collection account they are claiming I owe them for ) and today makes 44 days and I still have not received anything from the collection agency. I made a complaint recently with CFPB and the only thing XXXX XXXX XXXX said was " This information is accurate ''. I didn't them to verify my name and address, I asked for a thorough investigation and to provide me with the specific information i requested but after almost 90 days, and 2 rounds of certified letters, they still have not provided me with the information i requested.
Complaint sub-issue: Information belongs to someone else

After checking my credit I've notice that I have been a victim of identity theft, several accounts appearing in my credit report that do not belong to me .These account has missing information there for they are not 100 % accurate reporting, there is no information on who is reporting these account or the allege debtor : ( XXXX ; XXXX ; XXXX ). 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account., I'm requesting these account to be removed from my credit because they are no mine.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Complaint sub-issue: Transaction was not authorized

In XX/XX/XXXX I began dealing with a man claiming to be a vendor for equipment for my business. I was told that in order to purchase the equipment I needed to set up a merchant services account. On XX/XX/XXXX plans were made for me to pick up the equipment 700 miles from home. At that point I gave my banking information in order to set up this account. Upon arrival to pick up the equipment I discovered it did not exist. I called my bank to ask them to put a block on my account because I was afraid this man would try to draft my account for equipment I did not purchase. After driving the 700 miles back home I checked my account just for my peace of mind and discovered that he HAD. My bank account was in the negative. It was late in the evening so I went online and chose the online chat option for dispute. I was assured that a dispute was put in place. The next morning I went into my bank to make sure the dispute was filed. I was told that it had been more than 24 hours since the draft had taken place so they would not file a dispute. It had actually been within the 24 hour period but they told me that at XXXX XXXX they consider your 24 hours over. I was promised that my case would be sent to escalations. It has been weeks. I 've spent hours on the phone, emails back and forth with the escalations departments getting the same answers over and over. A police report was filed 2 weeks ago and the report number sent to the escalations department at the request of the last woman I spoke with. The police called and asked me to file a FBI report as well, based on the complexity of the fraud. All of this has been reported to my bank. They still refuse to refund my money and have added overdraft fees continually throughout this process. They are also charging a daily fee for my account being in the negative. The branch manager has removed some of the fees but not all : just what she was allowed in her position. 

The merchant services company that I was told I was working through was named XXXX XXXX. The charges have been made by a company called XXXX XXXX. I have also called this company repeatedly to no avail. I am told a case is set up and being investigated and will receive an email 5 minutes later stating that my case has been closed. In the police report it is stated it is stated that this is the most sophisticated case of fraud within the company that the investigator has seen. This is why I was encouraged to file a FBI complaint. As it turns out the " vendor '' for my equipment is an agent for XXXX XXXX.