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

address that are not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY accounts not mine : XXXX/XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$95.00} past due as of XX/XX/XXXX 
Account TypeCharge Card Balance {$1000.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off/Never late. {$12000.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XX/XX/XXXXXXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6700.00} written off. {$6700.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$6700.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX, XXXX. 

XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5700.00} written off. {$2700.00} past due as of XX/XX/XXXX 
Account TypeCharge Card Balance {$5700.00} Date OpenedXX/XX/XXXXDispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$2500.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$6200.00} written off. {$1600.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$6200.00} Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$690.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$1800.00} Date OpenedXXXX Dispute XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7800.00} written off. {$7800.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$7800.00} Date OpenedXX/XX/XXXX Dispute XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$12000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX 
Account TypeCredit Card Balance {$11000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7700.00} written off. {$7700.00} past due as of XX/XX/XXXX 



sent ftc never removed anything 90 days or more
Complaint sub-issue: Other problem getting your report or credit score

I have recently tried to apply for a business loan and was rejected because XXXX, Equifax and XXXX do not have up to date credit reports on my credit file. The last documented credit reports are as follows .... 

XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX I have made several attempts to contact XXXX and never get through to anyone. I have sent them a message and finally received response today and they are pretty much saying the issue is on my end. Which is inaccurate. Even the creditors are seeing the same thing. 

Equifax is stating they can see a recent credit history but won't give details. Even when I login to their site, it says they can not help me and that I need to call the XXXX number to speak with a representative.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2019 I had someone open a XXXX card in my name. I immediately call the company and they closed the account and sent me a letter ( attached ). I disputed the information on Equifax, XXXX, and XXXX. Every company took the information off my report except Equifax. I sent them letter going on XXXX months and still are reviewing the information as verified. I need this false and inaccurate information off my report.
Complaint sub-issue: Investigation took more than 30 days

For the Tax year XXXX, Discover Bank Credit Card Department reported a large debt to the IRS via 1099-C, Cancellation of Debt ( see attached documents ) which I am totally not liable for because there were many unauthorized credit card transactions after my then Discover Credit Card information like card number, security code, expiration date and including my full name and address on file with this company was stolen and or compromised. 
I have made several attempts to try to get this bank to remove these items from my account and they did not. Moreover, this bank sent this debt to collection department and eventually to the credit bureaus and there those negative items severely damaged my credit profile and rating and it took me many years to try to re-establish my credit. 
I gave up re-disputing this issue directly with Discover Bank. This bank stated that this 1099-C was correctly issued but I disagree because I do not owe them. There were fraudulent transactions made on my account period. 
This bank can not collect this debt and as well as reporting it to the credit reporting agencies and I totally get that and thank God there are laws in this country to protect little guy like me against these giant and greedy companies. As you can see the IRS has charged me alot of money simply because this was not reported on XXXX Income Tax Return and I would not have known to report because I did not receive mail from Discover Bank since my account was closed in late XXXX to early XXXX if I remember correclty
Complaint sub-issue: Reporting company used your report improperly

1 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times, I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX posted a unpaid bal on acct, in TX we are allow the choice of a electric provider and can change w/o a plenty.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing bankruptcies that XXXX  has been reporting on my consumer credit report since XX/XX/2020. I have sent them multiple letters disputing the alleged bankruptcies explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my XXXX Credit report, I discovered that XXXX  used a third-party data company. On XX/XX/2020, I sent XXXX another certified dispute letter with supporting documentation. I received another letter from XXXX  stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. In every letter, I have sent to them I have included a copy of my state driver 's license and a copy of my social security card. After receiving the response from XXXX  in regard, I sent another letter requesting the items be deleted and enclosed a copy of my social security card, ID with my name and correct address as proof of my identity. I received correspondence from XXXX  stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX Balance : {$900.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX Balance : {$740.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I started working on my credit report in XX/XX/XXXX and sent updates to each bureau and I seen XXXX XXXX, equifax, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to XXXX.
Complaint sub-issue: Deposits and withdrawals

I am a victim of fraud. On XX/XX/2022 {$79000.00} was wired out of my Citibank Checking account. It was XXXX transactions Citibank will not give me my money back because they say I did not protect my account. The criminal called and said they were a CitiBank employee and someone was using my credit card. I asked them how do I know you are from CitiBank. She said in a few minutes I will send you a Citibank alert. I got it and it was a real Alert. That is why I believed it was true. She told me to push yes that I got the alert and I am aware that this is happening. Because I pushed yes that is obviously how they got my money. But how did they get my credit card information. I didnt give it to them.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Account ending in XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are items that are reporting that does not belong to me. Please remove the following items : XXXX XXXX XXXX - Date Opened XX/XX/2017 Incorrect Address : XXXX XXXX XXXX ( XXXX  and XXXX  ) Incorrect Address : XXXX XXXX  XXXX ( Equifax )
Complaint sub-issue: Their investigation did not fix an error on your report

I have never been late with XXXX XXXX XXXX XXXX. Investigation results adjusted a 60 day late error to a 30 day late error.
Complaint sub-issue: Was not notified of investigation status or results

Last year XXXX of XXXX I sent a dispute to Agency requesting an investigation into this account that was reporting wrong information and they never sent to me any information letting me know anything regarding the account. On XX/XX/XXXX I resent a dispute by mail to Equifax regarding this account that was still reporting the error showing a late payment for the account that was Never late asking for them to re investigate and to send me the method of verification that was allegedly given. Today is XX/XX/XXXX and I was NEVER notified of the status of the investigation nor given verifiable proof of late payment as I requested. I also contacted the original creditor and upon my request by phone and mail they were not able to give me proof of a print out of my statements, payments made or my payment history nor did they give me the original contract as requested. I feel I am being bullied! This account was paid in full, and the alleged month that I made a late payment was my last payment to complete the full payment of loan. I did not make sure ALL my payments were on time to get to the last payment to not pay. My account was up to date and paid on time every month up to that point. I had my debit card connected to my account on autopay so there is NO way I could have had a late payment as shown on my account. Again I completely paid off this account with NO late payments or derogatory marks. This account is incorrect and erroneous. At this point I am very frustrated as I am being taken advantage of by being misrepresented by this Credit Reporting Agency of my effectiveness and ability to pay back my debts and obligations on time and I have worked hard to keep all my accounts in good standing. This is unacceptable! Please help me with this situation before I have to spend my time and money seeking litigation for monetary compensation that's owed to me by federal law for this misrepresentation and unwillingness to investigate into this matter properly. This incorrect information being reported is a hinderance as well as not true I demand that it be corrected. I also stated my information was involved in the Equifax data breech and could be the reason my information is represented wrong, either way I just would like to represented correctly when it comes to my payment history for this account.
Complaint sub-issue: Public record

I am trying to refinance my property and the bank pulled a copy of my credit report from Equifax. In the report it shows I have XXXX public records " Judgements '' against me ''. I contacted XXXX XXXX Superior Court and forwarded the copy of court hearings I was involved with showing there is not a Judgement against me and forwarded a copy of actual minutes and certified orders and final rulings to Equifax. 
Although it shows both cases where dismissed and no Judgement was issued against me Equifax refuses to correct its records and remove the public records from my credit report. I have written to them and called them several times but they refuse to comply. I was even forced to become their member so they can discuss my case and was forced to pay several fees at the end they just took the money and did not help me.
Complaint sub-issue: Information belongs to someone else

EQUIFAX INC. CONSUMER REPORT SERVICE, HAS TWO INQUIRIES ON MY EQUIFAX REPORT THAT I DID ( NOT ) '' AUTHORIZE, WHICH ARE : XXXX XXXX  INQUIRY DATE XXXX XXXX, 2022. 
XXXX XXXX INQUIRY XXXX XXXX XXXX, 2022 THESE INQUIRIES ARE IN FACT FRAUDULENT. DUE TO ID THEFT.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX. I received a notification that there was a hard inquiry from XXXX XXXX on my credit report. I do not have an account or never attempted to open an account there. I have reported a similar issue with the Federal Trade Commission.
Complaint sub-issue: Investigation took more than 30 days

CFPB COMPLAINT NUMBER XXXX WAS NOT COMPLETED WITHIN THE 30 DAYS AS REQUIRED BY LAW.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isn't that what the law states so I don't understand what's going on please help me understand these companies are not being help to comply and I don't need the credit bureaus to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity The accounts that are being disputed are XXXXXXXX XXXX, Late Payment from XX/XX/XXXX XXXX, Late Payment from XX/XX/XXXX XXXX XXXX XXXX  needs to be deleted from the profiles, account has been paid XXXX XXXX XXXX, Company has been sued for predatory lending. Remove account from profile XXXX XXXXXXXX XXXX SS Late Payment from XX/XX/XXXX XXXX, Late payments from XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX needs to be removed
Complaint sub-issue: Investigation took more than 30 days

I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I haven't received anything yet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax Customer Care ( XXXX ) to inquire about letters coming from Equifax Information Systems LLC, XXXX XXXX XXXX  XXXX, XXXX, GA XXXX. One letter references my request to add security freezes to the credit files for my children ; I have no children. Another letter references my request for a security freeze on my credit file ; I have had a freeze in place for almost a decade. Another letter references the results of a dispute of an item on my credit file ; I have made no such dispute. Equifax Customer Care informs me that there is no such subsidiary of Equifax named Equifax Information Systems LLC and the address listed is not one of their addresses. Additionally, they said I should ignore the letters. It appears that someone is attempting to pose as part of Equifax in an attempt to obtain Personally Identifiable Information from people. Given the history of Equifax to fail to protect consumer data and what appears to be an attempt to use the XXXX XXXX XXXX XXXX to obtain information fraudulently, Equifax security issues may still be very exist.. This is highly likely since they replaced freeze.equifax.com with my.equifax.com and shut down user access to the site. Since Equifax Customer Care has indicated the sender is not valid, I plan to send copies of the letter to Equifax Fraud Department. Since the XXXX is being used to solicit the information, I plan to send copies of the letters to the XXXX XXXX XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the contract..however I did not give any written instruction nor did I authorize these unauthorized inquiries onto my consumer report. Attached to this complaint will be my FTC REPORT SHOWING THAT THESE ARE FRAUDULENT INQUIRIES
Complaint sub-issue: Their investigation did not fix an error on your report

According to the fair credit reporting act. My credit report do not match whats so ever. I remember applying for something and got denied for a repossession of a car or something, but that is weird because I HAVE NEVER HAD XXXX  CAR REPOSESSED. Im always on time with bills and such so them saying that I have multiple repos is not correct and has had me denied for XXXX thing. Lastly, I have reported over XXXX times about the inquires that are taking place on my credit. These inquires are not correct. I have a copy of my XXXX  credit report that only shows XXXX hard inquires but I have XXXX and XXXX inquiries on equifax and XXXX XXXX. If this does not get resolved I will in fact being sueing them for falsifying my credit report. This is definite abuse to the fair credit reporting act. I believe in being fair and the XXXX inquires that are on my XXXX XXXX and equifax all are wrong I have tried multiple times to talk with someone but get no shot at anything because the representatives are rude and think they know everything. Also it has taken wayyy over time from when we were supposed to hear something back but just got a credit report in the mail which is not fixing my credit. If I dont have my credit report match what is on my XXXX  credit report I will be looking into an attorney soon.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB case # XXXX The very first line of my complaint was NOT addressed. The sole purpose of the complaint was not even talked about in Equifax 's response. It's like they ignored my request and did not investigate. The exact same thing Equifax has done for years. Ignore every dispute and ignore every complaint. 

" Equifax is reporting Date of First Delinquency XX/XX/XXXX regarding my account XXXX XXXX XXXX XXXX. This is shown on the attachment Equifax XXXX XXXX In the same attachment, it also shows delinquency started in XXXX. '' Equifax also ignored filling out the method of verification letter. I need to know WHO AT XXXX they are talking to. XXXX and Equifax do not get to report false information on my report and not tell me who they are talking to. 
XXXX XXXX