Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Complaint sub-issue: Account information incorrect

Equifax has incorrect information on my credit report, I notified XXXX XXXX XXXX XXXX about this they said Equifax reported the information incorrect, I am not disputing anything on my credit report on my XXXX XXXX XXXX XXXX credit card, please update this information, someone submitted a dispute with out my authorization and I didnt submit anything so want this information and dispute corrected, I am not disputing any high credit on my credit card period and it needs to be corrected, it says Im disputing a high credit balance on my account, Im filing this with the consumer financial protection bureau to get this straightened out this has brought my credit score down, I am I repeat I did not put no dispute in with XXXX XXXX XXXX XXXX about my credit card please fix this
Complaint sub-issue: Funds not received from closed account

I found out that my East West bank account was closed on XX/XX/2020. I contacted customer service on the same day and asked me to provide another XXXX XXXX  account with {$3300.00} in it. I transferred the money inside, but I have not transferred the money in the past 13 days. I have contacted East West Bank customer service many times, and I said that I will transfer the money soon.
Complaint sub-issue: Debt is not yours

Equifax continues to update this collection on my report within a day without any validation I've contacted the company and they have not sent me any info on this account and starting XX/XX/XXXX the Medical Debt Relief Act of XXXX H.R.773 medical collections under XXXX is not to be reported on a consumers credit profile and 1 year waiting period for medical collections to report i am also requesting an itemized statement for this account
Complaint sub-issue: Information belongs to someone else

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents DEPT OF EDUCATION/XXXX  Account Number XXXXU.S. DEPARTMENT OF EDUCATION Account Number XXXX U.S. DEPARTMENT OF EDUCATION Account Number XXXX Addresses XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inaccurate ( XXXX ) XXXX Inaccurate Employers Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX - CARD SERVICE Late payment DEPTEDNELNET - FCRA violation Never late {$8500.00} Balance updated XX/XX/2020 3 late payments Account Info Hover over labels for more details Account number XXXX US DEPT ED - FCRA Violation Unknown Payment History - 2 {$38000.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed VSAC FED LN- Closed account- FCRa Violation - Never late {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status ClosedVSAC FED LN - never late- FCRA Violation {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed
Complaint sub-issue: Account information incorrect

I filed fraud claim n XXXX of 2021 provided police report and discover promised to issue me a check for the full amount that was used because of fraud charges which I never received.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

ATTENTION : Consumer Financial Protection Bureau XX/XX/2021 Re : Direct Express Claim # XXXX This email and the attached documents are in regards to the above mentioned claim, As you will no doubt see the Fraud Services Dept. Fraud Investigations Team in charge of stolen cards has acted abysmally. To simplify from here on I will refer to them as the fraud dept. The fraud dept. in an email sent to me on the XXXX of XX/XX/2021 stated that the info contained in the email was what the fraud dept. relied on in making their determination said determination being to deny the return of my stolen money. I have attempted in several ways to contact the fraud dept. some of which are evident in the paperwork Im attaching. Faxing and email are out of the question as you will see if you attempt to fax or email the fraud dept. even though the fraud dept. requested a police report from XXXX the DAs office handles such crimes, so thats where I filed the report as per case # XXXX. I am attaching all the information I have and sending it to you in hopes that you will intervene or at least be aware of this companies terrible way of dealing with my situation which has now become dire in respect to my financial status. The fraud dept. says there was a conflict between my info and theirs however as of today I still dont know what the fraud dept. is saying was a conflict as I have never received any paperwork explaining what said conflict is unless fraud dept. is referring to the aforementioned email which I am attaching as received ( page XXXX is as received ) .. I am hopeful that you will be able to reach the fraud dept. and resolve this before I am financially ruined. My explanation of what occurred on XX/XX/2021 is attached first in the attachments. Thank you.
Complaint sub-issue: Attempted to collect wrong amount

So I was renting an apartment from XXXX XXXX XXXX but seen that I couldnt afford it anymore. I move out XX/XX/XXXX XXXX the least it said I would get a free month rent so I didnt pay for XXXX and then when I move out I was contacted by the collections company saying I owe two months rent. and now its on my credit report hurting it bad.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX inquiry is currently being reported inaccuratly on my Equifax consumer report. This is a violation of FCRA rules sec. 1681 XXXX XXXX reports with no permissable cause, no loan or credit has been award. 

I did not give permission to creditor to run my credit.
Complaint sub-issue: Account status incorrect

XXXX XXXX # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that XXXX sent clearing my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with BEST BUY/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BEST BUY/CBNA with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Complaint sub-issue: Personal information incorrect

I try to correct my personal information and remove but the credit bureaus refused to do it
Complaint sub-issue: Received unwanted marketing or advertising

As XXXX of the XXXX Million affected by the Equifax data breach, I followed the announced protocol to inform and obtain the monitoring services that were offered. Instead, after beginning the enrollment process and being told that I would have to wait up to 2 days to receive my email since they were under such a backlog, the first email I received was a solicitation to purchase XXXX, XXXX and Equifax services that were an additional paid service. 

All this seems like, is another effort to jam the consumer with another annual paid service as opposed to actually fixing the problem. 

Your organization 's charge, as the supposed " watchdog '' for the consumer, requires the monitoring of these ineffective business processes. Since they can not be trusted with the awesome requirements of protecting our personal information they should not be allowed to do so. Even the IRS has left us exposed to the criminals in these cases and I, for XXXX, am fed up with paying for something that fails.
Complaint sub-issue: Account information incorrect

SINCE  XXXX  O F 2016 EQU IFAX CREDIT BUREAU AND  XXXX   XXXX    XXXX   XXXX   AKA  XXXX   XXXX   XXXX . HAVE COMBINED OR ACTED ALONE. TO ERRONEOUSLY NOT REPORT, MISREPORT, OR NOT REPORT PERIOD. MY  XXXX   XXXX  AKA   XXXX   XXXX    XXXX   XXXX   XXXX  ACCOUNT AS ACTIVE. WHICH HAS RESULTED IN MY EQUIFAX FICO SCORE BEING UNFAIRLY REDUCED FROM  XXXX  TO  XXXX  OVER THE COURSE OF THE LAST NINE MONTHS OF THE YEA R 2016.
Complaint sub-issue: Threatened to sue you for very old debt

In late XX/XX/XXXX, our tenant said they were closing their business and would be out of our warehouse by the end of the month. On XXXX XX/XX/XXXX, I spoke to the tenant and told him that the equipment was still in the space. The tenant communicated that the bank wouldn't provide bank info and would contact me to pick it up. Finally, on Thursday, XXXX XX/XX/XXXX, XXXX XXXX XXXX from US bank contacted me about this equipment. I communicated that I have no problem letting the bank have the equipment, but the bank will pay for the storage time to remove the equipment beginning Monday, XXXX XX/XX/XXXX. The bank has failed to provide me with a copy of the Landlord Lien Waiver that the leased space owner should have signed. I never signed such a waiver, nor did I know the tenant had leased equipment in the space. Banks are required by law to have such waivers signed. I followed up with the bank on XX/XX/XXXX and XX/XX/XXXX. Finally, on XXXX, US BANK responded on XXXX XX/XX/XXXX stated this had been turned over to a XXXX party lawyer in Texas who is claiming we're holding equipment ransom. I have sent the lawyer an emails, phone calls and certified letters. We have requested the bank pick up the equipment, and it's still in our warehouse. I am unable to lease our unit because of storing this equipment. We just want the equipment removed. How long do I have to store this at no charge. the US Bank is not taking due diligence in retrieving their equipment.
Complaint sub-issue: Reporting company used your report improperly

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that EQUIFAX is reporting on my consumer report. By publishing these non-compliant account ( XXXX ) on my credit profile and distributing them to XXXX parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EQUIFAX is a third party corporation and I did not give EQUIFAX permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). EQUIFAX assembled a consumer report without my authority. This is identity theft.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX xxxxxxxxxxxxx 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 a account without my written instructions REPORTING INACCURATE INFORMATION NOTHING MATCHES 100 %
Complaint sub-issue: Didn't receive enough information to verify debt

Sent validation letters and Jefferson Capital Systems failed to respond
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter requesting that credit bureau must reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXX XXXX Balance : {$1000.00}
Complaint sub-issue: Information belongs to someone else

I've been dealing with equifax to fix these issues since I was part of their data breach a couple of years ago. 

I've filed a dispute with them they wait a few weeks say it's complete, send me a pdf credit report showing the negative item that is not mine is removed. Yet online they are still reporting it and it is affecting my score. 

This is my last attempt before I move to go to the court for sanctions against equifax for violating our settlement agreement
Complaint sub-issue: Their investigation did not fix an error on your report

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Debt is not mine

FMA Alliance XXXX Ltd. ( http : //www.fmaalliance.com ) calls my home several times a day asking for a person I have never heard of. I have repeatedly asked to be removed from their call list to no avail.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance {$100.00} Opened Date XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXXas 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: Frequent or repeated calls

I reached out to the company in regards to the error in reporting to the debt and repeated phone calls but still the amount is reported incorrectly with the phone calls non stop.
Complaint sub-issue: Attempted to collect wrong amount

XXXX offered to settle an account then refused when I didnt have a secondary phone #. Also RUDE and SARCASTIC Supervisor. I called Hunter Warfield regarding an alleged debt to ask if there was a possibility of removing from my credit report with full payment or settlement. The representative said that it can not be removed but she would certainly offer me a settlement of less than the full balance. When I asked what was the lowest amount she would accept she said there were some questions. I verified my name, address, and ONLY phone #. She asked for a secondary # to which I replied I did not have a home phone # and my place of employment didnt allow personal calls. She told me that without another phone # to put on the file she would not offer me a settlement. I told her I didnt understand that policy because I was prepared to close the account that day. She asked me for a friend of family members number and I asked why if she had a confirmed phone # for me. Calling a XXXX party when they have a good phone number for me would be an FDCPA violation. She said sorry. I asked to speak to a Supervisor. Supervisor got on the line and reiterated that they could settle the account. I said, Great! How much can you save me today to take care of it?? He said : I just need to updat the file with another phone #? I again told him that I only had XXXX number, that they had permission to call me on my cell manually but not by an auto dialer. I told himt here was no other # I could give him. He sarcastically said : When you pick up your cell phone and click on contacts you mean to tell me it 's empty?? I again asked why having a freinds phone # was so important and that having and using a XXXX party phone # would be an FDCPA violation. He said : " Fine pay the balance in full then. '' I asked him if it was normal practice to offer settlements to people who have XXXX phone # 's but not people with XXXX?? Doesnt that seem like discrimination? He said I can pay the balance in full if I do n't like it. We ended the call with me asking them to call back when they would like to offer me the settlement they first spoke of. He hung up. XXXX hour later the XXXX representative called me again and said : " what 's up with the account? '' Sarcastic and unprofessional. I asked if she was going to offer me the settlement figure and she said she needs a XXXX #. We ended the call the same way with me saying that I would gladly discuss with them when they were ready to call back and offer a settlement. 

I do not understand their arbitrary practices of offering a settlement not do I understand their need for an alternate phone # for a friend or family memeber when they have a good contact number for me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently found two collection accounts and a auto loan that i am not familiar with and was open without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like for these accounts to be removed asap.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to file a report and Per FCRA XXXX XXXX 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.., I found that under section XXXX ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business XXXX after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required XXXX  Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX 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 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 

According to FCRA XXXX XXXX ( 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 XXXX business XXXX after the date of receipt.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX at about XXXX, my debit card was used at a XXXX and XX/XX/11 in XXXX Ca XXXX there were 2 fraudulent transactions made at the XXXX for {$400.00} and XXXX fraudulent transaction made at the XX/XX/11 for {$40.00}. I contacted my bank, Wisely - XXXX, on XX/XX/XXXX ( when I realized there had been money stolen from my card ) to file a dispute. the person assisting me advised she would send a replacement card that would take about 7-10 business days. I called Wisely back 1 week later to get an update on where my card was as I still had not received it. the man assisting me that morning said he saw a dispute was filed, but no card was sent out. I then had to pay {$25.00} fee to get the card expedited. I received my card within 2 days and called to active my replacement card. the woman advised after activating my replacement card, my funds would be deposited within the next hour. I called the next day to check my balance and it was still showing {$0.00}. I called the dispute customer service line for Wisely and they told me my claim was closed and they did not see any fraudulent transactions were made. I have been contacting them on a weekly basis via phone and email ( no one has contacted me back on this matter or responded to any emails ) as I still have not received my funds back. They continue to tell me there was no fraud being made and have been no help whatsoever.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Old information reappears or never goes away

I requested XXXX to delete the names and addresses which are listed below except my Name and Address as shown in the attached copy of my Government issued identification card which I attached. 

The Bureaus did not make changes as I requested to protect and avoid my possible identity theft.
Complaint sub-issue: Account information incorrect

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1600.00}