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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

On XX/XX/XXXX, I spoke to US Bank due to credit card account closure without my consent/acknowledgment. 

US Bank claims that they closed my account because I did not respond to letter/mail that were sent out for address verification ( on XX/XX/XXXX and XX/XX/XXXX ) which I never received. US Bank could not provide any proof of them sent out mail. 

US Bank also did not make an attempt to reach me via phone or email which were listed on my US Bank credit card account. 

US Bank is making a false statement about sending/mailing out such letter/notice because my account is set to receive any/all statement/letter/notice paperless, should received by email only, instead of in the U.S. Mail. 

Once again, I should not be receiving any letter/notice by physical mails, but only by email ( paperless ) and US Bank is lying about mails were sent out to me. 

I also checked, logged into my US Bank online, and copy of such address verification letter/notice is not available. This is usual unethical/illegal business practice of US Bank. 

To CFPB : It is expected that US Banks will respond to this complaint stating that my address on file is not a residential address and it's irrelevant to this complaint. US Bank needs to provide proof of US Mail they sent out to me and explain why they decided to send out US Mail ( if US Bank ever sent anything out via US Mail ) even if my communication/correspondent preference if set as paperless/email and why there's no such copy on my US Bank online. Once again, US Bank fail to use proper delivering method to notifying customer with such notice.
Complaint sub-issue: Account status incorrect

I filed a complaint with the Attorney General office and the credit bureaus in regards to this erroneous charges, claimed by XXXX XXXX.I filed a dispute with the credit bureaus, but the charge still remain after their investigation, it is indicated on my credit report it was completed on XX/XX/19.I received a letter from XXXX XXXX XXXX , on XX/XX/XXXX,  informing me, that the credit bureau was instructed to do a trade line deletion associated with this debt in the amount of $ XXXX.It has not been done, and their is no legal reason, for their action.
Complaint sub-issue: Information belongs to someone else

I am intrested in disputing all incorrect information on my Equifax credit report.
Complaint sub-issue: Personal information incorrect

My complaint is about the credit reporting agency Equifax. I wanted to change my mailing address as we are moving and are making advance preparations. It is IMPOSSIBLE to do this by either calling or going online to Equifax. If you call, they tell you to go online, and in a most rude and pretentious way. They tell you that is the ONLY way to change our address! When you go online, you have to file a dispute, A DISPUTE, in order to CHANGE YOUR MAILING address! Then, when you go to dispute, you have to choose from one of three reasons. 1 ) I never lived at this address, 2 ) This address belongs to another person with a similar name, or 3 ) I believe I am a victim of fraud or identity theft and this address is not mine. THESE ARE YOUR ONLY CHOICES! So, I picked # 2 as I had to choose something. I went on. You then have to load 2 forms of identity. One of the forms can be a utility bill from our new address, which I don't have because I am not AT my new address yet! So, I load 2 other forms of identity and hit FILE. It then errors out and in the end, you can't change your address anyway! NO WAY, NO HOW! Can't change my address. Mike drop.

This is absolutely intolerable! As one of the three credit reporting agencies, Equifax is a complete and total FAIL!!!
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 which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$6700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$9100.00} ; XXXX XXXX & XXXX XXXX Balance : {$350.00} XXXX CXXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} 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: Was not notified of investigation status or results

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the third complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Equifax and XXXX. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX ) and XXXX ( XXXX ). The second attempt was made on XX/XX/2020 and was also accompanied by direct bureau disputes. Those complaint numbers were XXXX ( XXXX ), XXXX ( XXXX  ) and XXXX ( XXXX  ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Complaint sub-issue: Account status incorrect

Credit reporting agencies show medical debit on my credit report. Medical debit reported on XX/XX/2021 and reported on credit report. 
180 day rule violation. Credit reporting agencies are required not to report medical debits no less then 180 days so that consumers can resolve the debt.
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you update and delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Complaint sub-issue: Can't get flexible payment options

This is my XXXX time contacting the CFPB with a complaint concerning Discover Student Loans. I am a week or so away from having my loan charged-off. 

Me and a co-worker/counselor have called in every month to do our due dilligence on what programs may be available through Discover to fit my budget an afford payments. Discover has offered payments of X, Y, & Z to which none are affordable. 

I received this e-mail today from the Director of Operations at Discover Student Loans ; '' Dear XXXX, If you are having difficulty making your monthly payments, we have options to help you temporarily manage your student loan. Please call us at XXXX. We have a repayment option you may be able to take advantage of over the phone. 
& XXXX XXXX to XXXX EST, Monday through Friday ; or XXXX to XXXX EST, Saturday XXXX to XXXX EST, SundayThis option will only be available to you for a short time, so please contact us as soon as possible. 
Sincerely, XXXX XXXXDirector of OperationsDiscover Student LoansPhone : XXXXXXXXThis is an attempt to collect a debt and any information obtained may be used for that purpose. " We had called in three days prior to listen to options, which ended up being the same, and when receiving this e-mail, thinking something new might be out there. 

So, naturally, we called in to check on what options thinking that my loans may have reached a status where something new could be arranged, and when we call in, we are offered the same plans that have been affordable the previous four months. 

Discover sent an e-mail with false hope that I 'd be able to re-pay my debts and arrange something to prevent further trouble, but come to find out, we wasted our time listening to the same garbage we 've been fed.
Complaint sub-issue: Old information reappears or never goes away

I have an account that is showing up with the company from XXXX XXXX The account was opened in XXXX of XXXX it was charged off but still reporting on my credit For all three Beauras Then XXXX XXXX  the account was opened in XXXX of XXXX {$270.00} and it is still reporting. 

Thank you for your help in this matter. 
Sincerely XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! 


I demand that these accounts be deleted immediately or I will file litigation.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX - Account XXXX XXXX Equifax is reporting inaccurate information regarding the XXXX XXXX account number XXXX. Equifax is reporting the date of first delinquency as XX/XX/XXXX. Based on what Equifax is reporting regarding payments the date of fist delinquency should be XX/XX/XXXX. 

Equifax is reporting XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XX/XX/XXXX, NO Payment or past due in XXXX XXXX, XXXX XXXX past due in XXXX XXXX, XXXX XXXX past due in XX/XX/XXXX and XX/XX/XXXX. 

Since there were no payments made from XX/XX/XXXX through XX/XX/XXXX. The date of first delinquency could not XXXX XX/XX/XXXX. There is no payment data prior to XX/XX/XXXX. Additionally, since Equifax is reporting XXXX XXXX past due in XX/XX/XXXX. It stands to reason that Equifax would be reporting XXXX XXXX or XXXX XXXX past due in XX/XX/XXXX. The date of first delinquency could be XX/XX/XXXX. It would have to be prior to XX/XX/XXXX. 

Despite my written requests, the unverified item listed below still remain on my credit report in violation of XXXX XXXX. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they verified that these items are being reported correctly. 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Complaint sub-issue: Debt is not mine

ENHANCED RECOVERY COL XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX never even herd of them..they are claiming i owe a cable bill I use Free tv and where i am at now the landlord pays the cable bill not to say i have been living in FL since 2014 ... they are on my XXXX and XXXX reports i ca n't get thru any numbers for info to check on this..i am getting nowhere i disputed it and all i get is ... it 's been updated ... .weird
Complaint sub-issue: Personal information incorrect

Years ago ( approximately 10 ), I applied for and received a credit card. The card was paid as agreed. I got married and notified the credit card company of such letting them know my name was now " XXXX ''. Unfortunately, when the card arrived, it read, " XXXX ''. I called the company and asked that it be fixed. I was told they couldn't do that and that I would have to answer several " personal '' questions before they would discuss it further. While I was willing to answer and personal question they may have, I was not ( and still would not ) answer the questions they posed : " Name one of your next door neighbor 's last name, '' " What is the first name of your neighbor living at xxx XXXX XXXX, '' etc.. 
These questions were about others and not about me and I'm not willing to disclose other people 's information. Therefore, I paid off the card and then cancelled it stating the reason why. Unfortunately, this has not been the end of the story. XXXX has continually refused to report my last name correctly on my credit report. It is listed as XXXX, which precludes me from ever getting a free credit report or speaking to anyone at XXXX because the information I insist is correct ( and is ), they say is not. I have notes dated XX/XX/18 @ XXXX XXXX that I spoke with XXXX, an Equifax rep via TrustedID at XXXX. I explained the issue and that I could not get online with Equifax due to the surname issue. She said she would correct it and change it to the corrected surname of XXXX and that she would also include a consumer statement. The Confirmation # XXXX. Needless to say, this is still not done and I can not get onto anything related to Equifax ( I no longer have access to TrustedID ). Please make them change my last name to the proper spelling and REMOVE all references to the incorrect spelling.
Complaint sub-issue: Sued where didn't live/sign for debt

I NEVER RECEIVED THE ORIGINAL VALIDATION NOTICE - LETTER FROM CREDITOR.
Complaint sub-issue: Information belongs to someone else

I have made many cfpb complaints concerning Experian reporting of my name! My name is hyphenated and someone is intentionally manipulating info from tax documents to 1098. It seems again someone is changing my information on documents and possibly loans that were mine in order to attach loans that are not mine in the name of XXXX. I recommend you document this- it might get closed/ deleted and attachments deleted like the pertinent complaints that after 3 months of being on file was deleted. Other things occurring in my XXXX XXXX car.. Items are being stolen from my possession of w2s old tax documents etcold jobs - evidence of fake and real -its crazy that people are allowed to do this! XXXX once said all accounts were submitting XXXX but that wasnt true at the time- I am concerned that someone has taken loans out in name of XXXX XXXX 100 % verified my loans are in my hyphenated name! Why would they ( those behind changing my name in other places ) go through this to prove a point thats false - because it is a way of doing business and more people will suffer until this is exposed! I cant even risk saying what I want about why XXXX continues to report my name wrong then right, then Im blocked- then report it wrong again! Follow up doesnt happen /! its like a scam is going on in dept of Ed/servicers and XXXX. Loans were removed and put back on -! I believe they redid the loans I did take out and went through my accounts, schools, changing things to XXXX - Whats happening is illegal- so many are acting as if the are above the law! XXXX was compromised and used to change XXXX info - I didnt do some of these and it seems disputes were reopened and activity kept happening with out me involved- so much control and I would love to be able to have a fair chance to defend my name instead - someone is determining and changing my name without legal presidence? 
in XX/XX/2022 it seems Equifax added accounts XXXX XXXX back on that were already on.. there are so many things that lead me to believe what Im saying- mainly changes and theft of documents finding two of same thing in diff names!
Complaint sub-issue: Reporting company used your report improperly

Equifax 's inadequate security of MY DATA has lead myself to be at significant financial and personal risk. They have been hacked and my address, name, SSN, credit card numbers have been exposed to the dark web, and they did n't notify us until a MONTH LATER! The executives sell off stock before announcing it to keep their own money, while we are the ones put in serious turmoil. Absolutely horrific failure.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, XXXX XX/XX/2022, I've sent in a dispute for the following companies through certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Due to the 15 U.S. Code 1681g - Disclosures to consumers, they did not provide an updated credit report nor respond within 30 days.
Complaint sub-issue: Seized or attempted to seize your property

I have been a tenant of XXXX XXXX since XXXX in XXXX Florida. My lease in not up until XXXXXXXX XXXX XXXXXXXX. XXXX XXXX apparently needs the home vacated immediately for a business transaction that it needs to complete and is forcing me and my family out of our home. This is not an issue regarding me not wanting or able to pay. Monthly contracted payments have been deposited at the Court registry as they have directed me to do. XXXX XXXX has a proven pattern to remove families from their homes for various reasons : needing to sell the house, not wanting to make required repairs, needing to raise the rent to be increase profits, etc. XXXX XXXX bets on the fact that most families are not financially able to fight against their illegal practice of breaching contracts, and so they prefer to take their chances in eviction court. If the issue goes to court, then XXXX XXXX will settle with the family to get rid of them. This result would be considered a " win '' for XXXX XXXX because they were ultimately able to breach their contract with the forced agreement of the family. XXXX XXXX has the highest rate of evictions in this region, and most likely the highest in the nation because of this illegal practice. 
Even after suing me for not wanting to break my lease and moving out immediately, XXXX Homes continue to call and harass me on the phone to threaten me that if I do not agree to sign an agreement and move out within 7 days that the sheriff may come to my house and put my belongings in the street. About a week, prior to them suing me, XXXX XXXX, the XXXX XXXX XXXX stated that he would be sending me a proposed agreement. The proposed agreement never materialized from XXXX XXXX. XXXX XXXX has lied about making required repairs or plans to make repairs. Invitation XXXX did not disclose the major, continuing maintenance issues that they have had with the house prior to me moving in. Apparently, XXXX XXXX ' objective was to get the house into the rental market as quickly as possible. 
Please stop XXXX XXXX from its unlawful and immoral practices within our community. When greed becomes more important than commitments, then XXXX Homes must be held accountable to the negative consequences of its actions. I do not have anywhere to immediately relocate prior to my contract coming to term and will not become a victim of XXXX XXXX ' illegal practices.
Complaint sub-issue: Information belongs to someone else

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. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Bank Account number : XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( XXXX ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years.

15 USC 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft and I have credit monitoring since this happened. I am noticing that there are a lot of companies pulling my credit and I have reported to all credit bureaus this matter. they are telling me they can't remove it for 2 years if I am telling you in a dispute that these aren't my credit inquires than you should be removing them.. I am in the process of buying a house and I can't have this happening and especially if no consent is given XXXX, Equifax and XXXX  are failing to remove these inquires.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Account Number : XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX ; XXXXXXXX XXXX XXXX XXXX