Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX has erroneously reported a collection to multiple CRA 's for a debt that is not mine, furthermore ERC reported this collection without contacting me, notify me of my right under the FDCPA or verifying the debt. 

ERC has caused material damage to my credit standing, reports, and scores, directly impacting my ability to obtain credit by reporting a debt that is not mine without any validation. 

The reported account numbers do not match account numbers I have ever had with XXXX, notwithstanding the fact that the account I had several years ago with XXXX  was pre paid and had no possibility to incur charges beyond the pre paid balance of the accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to dispute the following information in my file. I recently received a copy of my credit reports  (  XXXX ,  XXXX , and  XXXX  ).  The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order  Please remove these inquiries from my credit reports immediately.
Complaint sub-issue: Information belongs to someone else

These accounts are not mine I recently had identity theft and submitted a fraud affidavit to all 3 bureaus. these accounts are not mine. 
1.XXXX XXXX 2 . XXXX XXXX. 
3. XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I sent a letter via Consumer Financial Protection Bureau ( Case # XXXX ) to Citi detailing a fraudulent charge posted on my Citi Rewards+ account ending in XXXX. In response to my complaint, Citi claims they " no longer have the means to further assist me. '' This is in direct violation of XXXX 's XXXX XXXX XXXX XXXX https : //www.XXXX.us/en-us/personal/get-support/zero-liability-terms-conditions.html ) that Citi should abide by since the issued card is a XXXX. 

I have provided significant evidence to Citi in order to show that I should not be responsible for the {$1100.00} charge on XX/XX/XXXX by XXXX XXXX XXXX XXXX. There should be no reason the bank would not be able to assist me further with this case. 

I had canceled the original purchase and now the merchant is showing a receipt under someone else 's name for a product delivered to someone else while charging my credit card. I have not received anything from this merchant nor authorized the charge on my card. I should be protected under XXXX 's XXXX XXXX XXXX with no issues at all.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States 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 Here are the following XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$30.00}
Complaint sub-issue: Was not notified of investigation status or results

XXXX  has failed to verify debt and the investigative process XXXX XXXX XXXX XXXX  The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Flagship credit acceptance has refused to verify my account. 

XXXX XXXX XXXX XXXX has two entries they must be removed they are not my accounts XXXX XXXX XXXX  must be removed two entries they are not my account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX US Dept of EDXXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Other problem getting your report or credit score

I have requested a copy of my Equifax Credit Report because I 'm aware of several changes in my credit report and need to confirm it 's correct. Equifax continues not granting my request. Furthermore, I tried obtaining my annual free Equifax credit report but was unable to even though I was able to get my XXXX & XXXX  Credit Report.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XX/XX/XXXX, CREDCO  add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my disputed of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Reinvestigate these reported accounts and repaired it in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX was contacted in XX/XX/2018 after trying to collect on a paid mortgage. My home sold on XX/XX/18. Spoke with XXXX who said they lost the check but did show the home was sold. She would track down the check. Contacted XXXX attorney The XXXX XXXX XXXX who represented them in their erroneous foreclosure filing to see if they could help since they know the foreclosure never happened. Exchanged emails with XXXX XXXX. Never got anywhere. I have now called XXXX 2 times holding over 30 minutes without anyone answering. I am on hold again now. My credit report still shows the mortgage due and $ XXXX in arrears. A title search of the property will show it paid and the condo no longer owned my me.
Complaint sub-issue: Their investigation did not fix an error on your report

All three credit bureaus have allowed XXXX to report an old account with them as an open account and allowed XXXX to say that the the past due amount is the current monthly payment due and XXXX reports monthly that I am 30 days past due with an amount exceeding XXXX a month which is insane for a an account which is alledgely in collections this was not previously on my credit report like this XXXX actually changed how they were reporting on my credit report when I made a complaint on them due to the erroneous charges from this account since that date my realtor showed me that they started reporting this as a an account 30 days late and it keeps dinging my report every month as a new late payment XXXX also keeps changing the amount by a dollar so that it comes up as new even though this account has been closed since 2017 and I have never received a bill or collection notice and my online access was disabled to see anything I have reported this to the credit companies and they just send the same vague statement that the investigation shows the account is accurate which is complete XXXX  and I am very confused how they allowed XXXX to make my credit worse 2 years later with false information. I want this removed as an open account on my credit report. And the XXXX removed completely as they claimed to me on the phone which I recorded that they sold my account to a collection company and they have never sent me any bills
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have recently reviewed a copy of my credit report. I am concerned because there was 2 inquiries by Equifax that i do NOT recall authorizing.XXXX XXXX- Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXXIt is my understanding that you can only make an inquiry to see my credit report if i authorize it. I would like for you to remove this unauthorized inquiries for it is negatively affecting my credit score. Please send me conformation that this has been done.
Complaint sub-issue: Their investigation did not fix an error on your report

I've requested since XX/XX/2018 that XXXX provide all documents regarding this loan. Account # XXXX XXXX XXXX XXXX XXXX. My concern is I don't remember signing a loan for {$13000.00} as reported by XXXX as the original balance. Or the other amount reported of {$9600.00} as the credit limit or original amount. All my disputes for this accounts have come back as validated. If this is a consolidation I need proof of all loan documents with my original signature, dates of loans, and schools. A promissory note isn't proof of loans.
Complaint sub-issue: Didn't receive terms that were advertised

Hi, Thank you for taking this complaint. 

I opened an account with Citi, using their online system, to earn a {$400.00} Bonus for my new {$15000.00} funded Checking / Saving Account after 90 days. After opening and depositing my {$15000.00} new money, I had to call to obtain access to my account online. During this and a second call with them, I confirmed eligibility. After waiting 3 months, I contacted about the bonus, they said I need to wait up to 3 months for the bonus to appear in my account. After waiting further, they say my account is not eligible because I have a priority account, which requires {$50000.00} in savings. Apparently, they opened the wrong account for me initially and will not fulfill the terms I agreed to. Their mistake has cost me months without access to my {$15000.00} and several hours on the phone disputing the issue. Their website could have a simple bug which should lead to a simple apology and correction, but now feels like it's a bait and switch mechanism to fraud people. I just finished a call with the sales department, they said nothing can be done now that the terms have ended, I disagreed and asked for a supervisor, he reluctantly sent me on hold to the supervisor, but like I've had several times, the call went blank and disconnected. Many calls with the company are left to wait and disconnect, very frustrating.
Complaint sub-issue: Their investigation did not fix an error on your report

DEAR XXXX XXXX XXXX XXXX XXXX CRA 'S ; I've attempted several times to ratify the issue with the XXXX XXXX XXXX and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND DATAA.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several notices to Equifax regarding account XXXX XXXX that the account is fraud and after a several months they have not corrected the problem
Complaint sub-issue: Information is not mine

Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to Equifax via certified mail. Equifax refuses to honor my claim & the evidence submitted. I also requested a reinvestigation online multiple times to no avail. Equifax continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report. 
3 ) XXXX # XXXXis not my account please remove this from my credit report. 
4 ) XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report. 
XXXX XXXX # XXXXis not my account please remove this from my credit report. 
XXXX # XXXXis not my account please remove this from my credit report. In addition is reporting multiple times on my report. 
I would also like for Equifax to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I paid for my credit report and upon checking. I realized there's hard inquires that i don't recognize. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Complaint sub-issue: Other problem getting your report or credit score

I initiated a credit report investigation with Equifax on XX/XX/XXXX. Equifax sent me an email on XX/XX/XXXX at XXXX advising me that the my credit report was ready to view online. I attempted to view the credit report online and was not able to. On XX/XX/XXXX at XXXX, I was awakened from my sleep with an electronic reminder to check my credit report online and I was once again unable to. 

Equifax advised me that they would resolving this issue last week and would contacting me when it had fixed it. I received no phone call indicating that the issue had been resolved. 

I firmly believe that this has been done on purpose as to preclude my ability to obtain my credit report without calling in or mailing in. 

I firmly believe that Equifax is attempting to withhold my credit report to delay and preclude my ability to make disputes because it profits by keeping incorrect/fraudulent derogatory information on my credit reports. The longer that Equifax can keep incorrect/fraudulent information on my credit reports the more it may profit. 

I have attached a copy of Equifax ' fraudulent statement indicating that my credit report was available online and subsequent refusal to provide it to me.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I Disputed items on my credit report that are in accurate. It has been over 45 days and i still have not gotten a Response from the Credit Bureaus. i have also sent a demand to reply letter to the credit bureaus on XX/XX/2020
Complaint sub-issue: Problem using a debit or ATM card

My social security card, ID, and PNC debit card was stolen on XX/XX/2020 at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I was at my friends apartment when people we did not know showed up and went through my purse when I was not around and stole them. I contacted XXXX  and placed fraud on my account. I am going to file a police report and contact the SSA on Monday when they open.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a XXXX XXXX XXXX account that is closed the amount that is being reported is {$1600.00} and has several inaccuracies that is not FCRA compliant. I have send several letters disputing the inaccuracies and Equifax just responds back stating the account has been verified when is reporting several errors. How can Equifax verify if they are not reporting a account number and the account is reporting CO every month when a charge off is a dead account and can not report every month updating the date of last activity on a monthly basis. All credit bureaus should have the same information from the same creditor. The last letter I mailed to Equifax is XXXX XXXX XXXX and they responded the account has been verified.
Complaint sub-issue: Information belongs to someone else

I have disputed these accounts, filed a police report, and submitted an FTC complaint in reference to my case. I recently attempted to order cable last month and was denied and told I would need a deposit if I wanted to move forward as a result of my credit rating. Upon reviewing my credit report in XX/XX/XXXX, I noticed 7 separate fraudulent accounts ranging from credit accounts to utility bills. I have been successful in removing 3 items myself, but there are 4 accounts that still show up on my report that do not belong to me. The accounts in question are as follow : XXXX  XXXX account # XXXX, date opened : XX/XX/XXXX open balance : {$3100.00} ; XXXX XXXX account # XXXX, date opened : XX/XX/XXXX, open balance : {$290.00} ; XXXX. XXXX, XXXX account # : XXXXXXX, date opened : XX/XX/XXXX, open balance : {$200.00} ; XXXX XXXX XXXX account # : XXXXXXXXX, date opened : XX/XX/XXXX, open balance : {$270.00}. Clearly these accounts are all over the place, nowhere in my real credit file do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of the companies listed. Nor have I allowed anyone to use my information to acquire credit with these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be removed from my credit report. I have acquired a police report and submitted it with this complaint. I have also included a copy of my ID, social security card and an FTC affidavit as required in F.C.R.A Section 605B.
Complaint sub-issue: Information belongs to someone else

There was an account opened in my name due to identity theft. I contacted XXXX XXXX to dispute this account and provided police reports to validate that this is not my account. The company refuses to properly investigate the matter and remove this item from my profile. I also contacted Equifax to dispute this account as fraud and they are not properly investigating either. I need Equifax to properly investigate this matter and pull the records of this account so that they can see it was disputed with a valid police report.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I sent a letter to the courthouse with tracking number # XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C. 1681 section 602 A, states I have the right to privacy.

According to 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.

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.