Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Under 15 U.S. Code1681 b- I did not give Equifax any written consent to furnish anything on my consumer report and no consent is identity theft. And under 15 U.S. Code 1681 b ( 3 ) - a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Both of my consumer rights were violated by Equifax.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2018. Please investigate to ensure there is no fraudulent activity.
Complaint sub-issue: Attempted to collect wrong amount

ERC keeps trying to collect for a debt supposedly owed to XXXX XXXX. This is not a valid debt. It is an accounting error on XXXX part. It stems from their in store employees wrongfully issuing a separate account when I joined my family 's family plan.
Complaint sub-issue: Investigation took too long

Over 30 days ago, I requested that Equifax investigate XXXX inaccuracies on my credit report. That request was sent on XXXX XXXX, and I am attaching a copy of the letter. To date, they have yet to respond to me.
Complaint sub-issue: Account status incorrect

Equifax is violating my FCRA rights by reporting and sharing incomplete, inaccurate and invalidated information on my consumer file.
Complaint sub-issue: Inadequate help over the phone

I have tried on numerous occasions to get an account that was charged off in 1994 removed from my report and Equifax refuses to remove it. XXXX has, XXXX has. 
The original account with XXXX was from 1994 and it has been sold, and resold to collection agencies over 22 years. Equifax is using the date of the last " sell '' to a collection agency as the date I originated the loan with XXXX. After several online attempts as well as phone calls directly to Equifax they will NOT remove it. It is with XXXX XXXX who is already being against in a Class Action Law suit for harassing folks via their cell phones to try to get money. I am at my wits end yet nothing changes and they just say " it will remain on your credit until the last collection agency has had it 7 Yrs!!
Complaint sub-issue: Account status incorrect

XXXX. XXXX XXXX : XXXX XXXX : XXXX ; XXXX : disputed. No response over 1 year. To add, do not owe the agency because my medical insurance covers yearly medical exam/ check up. 

XXXX. XXXX card is paid in full. Not credit reporting. Paid in full. No late payments. Closest XXXX. XXXX XXXX  was not open by me. 
XXXX. XXXX XXXX report late XXXX ; however I am paying on time. : XXXX. XXXX XXXX ; XXXX : agreement on payment made XX/XX/XXXX before the report was made as a debt on my credit account, last payment was completed. 
XXXX. XXXX XXXX XXXX : paid off XX/XX/XXXX ; reporting high balance. Closed. 
XXXX. XXXX XXXX XXXX Bank : reporting XXXX ; not my account/ didnt open this account. 
XXXX XXXX : XXXX and XXXX ; paid in full on both accounts ; never late.Bank agreement was to remove and the bank did not. 
XXXX : did not open account ; disputed several times and all XXXX credit bureaus did respond and agreed the account was not open by me. However, still showing on my credit reports
Complaint sub-issue: Problem using a debit or ATM card

I RESPECTFULLY ASKED BANK AGENT XXXX XXXX TO ADD UP ALL MY BANK DEPOSITS BETWEEN XX/XX/XXXX THROUGH XX/XX/XXXX I HAD ONE DIRECT DEPOSIT FOR {$840.00} DOLLARS FROM SOCIAL SECURITY ON XX/XX/2022, THEN I HAD ANOTHER DEPOSIT FROM SOCIAL SECURITY ON XX/XX/2022 FOR XXXX. I ALSO ASKED BANK AGENT XXXX XXXX AT XXXX XXXX XXXX BRANCH TO ADD UP ALL MY ATM WITHDRAWALS AND DEBIT CARD PURCHASES BETWEEN XX/XX/2022 AND XX/XX/2022 AND TO PLEASE DEDUCT AND PUT A TRACE ON ALL TRANSACTIONS AND SUBTRACT THEM FROM ALL DEPOSITS TO RECEIVE THE AVAILABLE BALANCE, BUT XXXX XXXX THE AGENT AT THE XXXX XXXX XXXX BRANCH IN XXXX SC REFUSED TO HONOR MY REQUEST SO I FILED THIS COMPLAINT? I ALSO HAD A DEPOSIT OF {$540.00} ON XX/XX/2022 AND I WOULD LIKE TO ADD FROM LOOKING OVER THE BANK STATEMENT THAT AGENT XXXX XXXX GAVE ME FOR XX/XX/2022 THAT A CHECK WAS WRITTEN FOR {$400.00} DOLLARS CHECK NUMBER XXXX FROM MY CHECKING ACCOUNT ENDING IN XXXX, I TRIED TO EXPLAIN THAT I DID NOT WRITE THE CHECK FROM MY BUSINESS ACCOUNT BUT THE BANKING STAFF WOULD NOT LISTEN TO REASON?
Complaint sub-issue: Personal information incorrect

On XX/XX/2021 I contacted XXXX, Equifax, and XXXX XXXX by Phone to update all personal information. I was informed that it would take up to 30 days for my information to be updated. I waited almost 2 months for this to reflect on my profile but it never happened. 

On XX/XX/2021 I sent out letters to XXXX, Equifax, and XXXX XXXX in further efforts to update my personal information to the only information that is Valid. I've waited patiently to no avail. I need this information updated as soon as possible to reflect accurate information
Complaint sub-issue: Their investigation did not fix an error on your report

Around XXXX, I applied for an apartment lease only to be told I needed to pay a double deposit due to credit. To my knowledge I had a decent score of around XXXX last is checked. The complex advised they used Equifax for credit. When I pulled my Equifax report I found that my name and date of birth had been changed without my knowledge or consent. Upon calling Equifax, I was asked for ID, SSN card or birth certificate. All were provided and yet my information was not corrected. After more than 20 calls and numerous disputes of a {$120.00} charge on my credit that doesn't belong to me yet still remains, I was advised a creditor had updated my information but I refused the name of the creditor and the date of the update. I contacted the creditor of the erroneous charge on my credit report and was told the debt was incurred in Alabama by someone of a different name than me. I've never been to nor lived in Alabama. Not do I know anyone who lives there. During my last call to Equifax in XXXX, I was advised by an agent that my Texas drivers license, SSN card and birth certificate were all there but unusable at this time to correct my credit file because they were received in XXXX. Now, they've frozen my credit file and have made no updates since XX/XX/XXXX. I'm unable to submit disputes by phone or online and the information they have of record does not match any other bureaus. I believe I was either a victim of their data breach wherein they mixed my file with another person 's or they've erroneously changed my information and refuse to correct their error. Either way, it has impacted my ability to obtain credit and has cost me significantly more to live everyday life. This is my second written complaint to you as the first was closed without a resolution.
Complaint sub-issue: Information belongs to someone else

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Didn't receive advertised or promotional terms

In XXXX I opened a XXXX XXXX XXXX card that offered two free nights with a spending limit. I have not received the two free night and have been following up since XXXX and keep being told that I need to wait but that the certificates are coming. I would please like the nights to be issued immediately as I have met the terms outline when I applied. 

I 'll attach a screenshot from your XXXX team. They confirmed the spend and terms of the bonus and asked me to reach out mid XXXX if I had n't received the free nights. 

When I ddi n't receive the certificates in XXXX, I called on XXXX and spoke with XXXX who confirmed the spend and said I would have the certificates shortly. The reference number she gave me is XXXX. 

It 's now late XXXX and I do not have the certificates. Please issue them since I have been promised them several times by XXXX.
Complaint sub-issue: Information belongs to someone else

Monthly credit score has been in steady decline. I own no credit cards with any type of balance. Checked credit records and found a charge {$1000.00} with XXXX XXXX XXXX XXXX Creditors number XXXX XXXX XXXX Original creditor XXXX XXXX Original Account number XXXX Agency Reference Number XXXX Balance {$1000.00} I have never had a account of any kind with XXXX all of the listed information on the original account has nothing to do with me! Please look at my credit record I have nerve not payed a amount that I owe. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I have sent in documentation to both bureaus Equifax and XXXX regarding erroneously reported information. I have spoken to customer care as well as USPS certified notarized copies and the j formation is still on my report which has caused me financial issues due to the credit scores and charged off collections and inquiries. This has been dragged on for 6 months now Im have really been working extra hard to get this taken care of XXXX has taken off the information. All three reports should pretty much have the same info. I am facing more stress along with the Covid19. I am asking that the inquiries be removed and the collection accounts as well. My credit score updated. I was denied a loan. I have been paying my bills on time and keeping my credit clean.
Complaint sub-issue: Information belongs to someone else

I was on vacation and either I lost my wallet or someone stole it. I Had my personal information in there including my social security card. Who ever found my wallet used my information to take out loans in my name fraudulently.
Complaint sub-issue: Their investigation did not fix an error on your report

There is 1 inquiry that i didnt authorized, XX/XX/XXXX from factual data
Complaint sub-issue: Didn't receive notice of right to dispute

While I was disputing charges on my final invoice with XXXX XXXX XXXX XXXX, the collection company Enhanced Recovery Company , LLC, ( ERC ) added the XXXX XXXX XXXX account as unpaid with all 3 credit reporting agencies. I never received any documents, invoices, or any contact from ERC regarding the mentioned account. Additionally, I was in the process of resolving the issue with XXXX XXXX XXXX directly. I never received any documents from ERC to dispute this account, which they are required to do by law.
Complaint sub-issue: Problem getting your free annual credit report

I Can not get my annual free credit reports due to errors in my idenity. Somethung in my report is not matching and this goes for all three credit bureaus.
Complaint sub-issue: Information belongs to someone else

After my identity been compromised I've noticed accounts on my credit file inwhich i have absolutely no knowledge of, I'm asking that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX  {$300.00} 2 ) XXXX XXXX {$65.00} 3 ) XXXX  XXXX XXXX {$160.00} 4 ) XXXX  XXXX XXXX {$400.00} 5 ) XXXX XXXX XXXX {$51000.00} 6 ) XXXX XXXX XXXX XXXX XXXX {$30000.00} Please provide me with physical documentation of these accounts, or remove them.
Complaint sub-issue: Account status incorrect

I have a credit card with XXXX XXXX XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Complaint sub-issue: Reporting company used your report improperly

XXXX has denied me access to freeze my account after I believe my identity has been stolen. Numerous accounts on my credit report are false and reporting without my authorization. I have called XXXX multiple times as well as sent validation letters to validate these allege debts. This inaccurate and misleading information on my credit report is preventing me from getting employment and basic needs that require decent credit. This is identity theft and something needs to be done now.
Complaint sub-issue: Frequent or repeated calls

Someone has been repeatedly calling me from MRS BPO, almost every day and several times a day since XX/XX/2021. They never leave a message and have never sent me any correspondence as to who they are and why they are calling me. I do not have any delinquent payments nor is anything negative on my credit report so I'm not sure why they are harassing me.
Complaint sub-issue: Debt was paid

They said if I paid the settlement amount that they would delete the account from my credit report which has n't been done
Complaint sub-issue: Deposits and withdrawals

i got call from XXXX dated XX/XX/2019 requesting some information about my account, which i answered all they asked me to visit the branch to submit some documentation which i did on XX/XX/2019 to XXXX XXXX IL US bank branch, where i submit all information needed, yet i got call from same number on XX/XX/2019 for same reason, again i visit the same branch on XX/XX/2019 where they told me there is nothing needed from my end, later i found our that my account was on hard block since XX/XX/2019 for no known reason even for the branch manager, later o call from the same above listed number asking the same question which i gave all the needed answers, and again i visit the same branch on XX/XX/2019, later i got answer from the same bank stating that i did not submit the requested documentation ( see attached file ) which is totally wrong from the above mentioned facts and based on my routinely visits to the branch and my complies to all their requests it shows clearly that this bank is having racist discrimination towered me based on my nationality which clearly visible based on their actions verse my replays
Complaint sub-issue: Public record information inaccurate

I have disputed inaccurate reporting of a Bankruptcy on my credit report with Equifax more than four times. I filed for Bankruptcy and was discharged XXXX. It should no longer be reporting on my credit report. I am continuously told they have verified this bankruptcy which can not be accurate. 

DISPUTES DATES AND RESULTS 1. XX/XX/XXXX - One account Deleted 2. XX/XX/XXXX - Four accounts Deleted 3. XX/XX/XXXX - Equifax initiated a Fraud Alert on my credit file. 
4. XX/XX/XXXX - One account Added back 5. XX/XX/XXXX - Request for Method of Verification
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Threatened to sue you for very old debt

My account is currently in collections and it is occurring interest monthly. I was told that no interest would occur on the account. My credit score is dropping monthly due to interest being occurred.
Complaint sub-issue: Reporting company used your report improperly

I was one of the people affected by the equifax security breach.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/XXXX and XX/XX/XXXX, I submitted a request to Eqiufax to investigate a debt that has no creditor information, nor is it a complete reporting account. Ive requested the method of verification, and still zero response. But they have updated my credit file to state that consumer dispute this account. 

There is no chance that this has been investigated properly as you can see from my credit report that Ive attached there is no contact information from a creditor or collection agency. 

It is ridiculous that Equifax can add whatever they like on my credit report and its affecting me negatively.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I consumer did not consent too nor authorize these inquiries that are reporting to my Equifax consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Equifax. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Equifax an identity theft report via USPS certified mail. Is Equifax above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Equifax humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If Equifax can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Equifax let concur on my consumer report.Equifax stole my identity and sold my private information without prior consent.
Complaint sub-issue: Was not notified of investigation status or results

I have submitted numerous letters to the credit reporting agencies. And have not received any documentation proving debt.
Complaint sub-issue: Card was charged for something you did not purchase with the card

A US bank prepaid card with {$100.00} was under my name by someone I know. They used my name and my personal information to get this card. i did not consent or know anything about this until i got mail with my name on it about this card. the card doesnt expire until XX/XX/23. and the person hasnt used it yet cause they didnt know i have the mail about this card. i have never used a debit/credit card in my life. this person already has me in a lot of debt, i dont want to deal with more of this type of stuff.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

NOTE XXXX : HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Complaint sub-issue: Debt is not yours

Amerifinancial Solutions representing XXXX XXXX emergency med has me down for a medical collection in the amount of {$710.00} from XX/XX/2016. Since I have never received any services or have been nowhere within 200 miles of said business this is a fraudulent charge. I feel this is extortion. I have impeccable credit but I refuse to pay for something I do not owe.