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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

I'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get Discover Financial Services to remove their account off my credit report and have disputed with XXXX  several times since XXXX of this year ( 2019 ), but I may need to dispute with Discover directly. Discover sold my account to a collections agency ( XXXX XXXX ) and the collections agency had taken me to court in which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, XXXX XXXX submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to XXXX   weeks ago and it's still on my report. XXXX and XXXX were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this from my credit report.
Complaint sub-issue: Public record

Equifax did not send me an official Documented informational letter within the aloted time of XXXX days to actually verify that the state tax liens were in fact mine, but relied on some third party Vendor for their information, therefore the tax liens are not mine and should be Deleted immediately and perminiately from my credit files. Equifax have deleted other Unverified information on my credit reports but is determined to dictate what is reported in my credit fileXXXX though All information remains Unverified. Any and ALL incorrect UNVERIFIED information should not be in my credit files in the first place.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer : XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX FL XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Employer : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Written requests have been submitted to the XXXX Credit Bureaus XXXX XXXX Mail and online to inform that this account with XXXX Bank, with account number XXXX and Credit XXXX XXXX {$3.00}, XXXX was never authorized. The bank was never permitted to open an account with the given information unless my personal requests are met. I believe they have understood my requests but as I checked my Credit Report, the account is still reporting with a closed status. I have instructed the Bureaus and the Bank to remove it from my Credit Report but they have consciously and continuously doing the same thing. I am doing my best to make my profile cohesive with and in good standing but the XXXX and XXXX Bank 's actions are trying to ruin it.
Complaint sub-issue: Investigation took more than 30 days

Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved
Complaint sub-issue: Account information incorrect

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX
Complaint sub-issue: Threatened arrest/jail if do not pay

Got a call, was very unaware of unpaid debt I used fincial aid to pay for the apartment. Never received any mail or email about paying the debt our phone calls and voicemails. When explaining my situation and saying I was willing to pay the amount was doubled what is shown. I tried to ask for lower payments because I was in school the representaitive I had would not work with me asked to speak with her supervisor she said she was and I asked to speak with the supervisor above her she refused. Asked for account number to pay debt online she refused made me very nervous that she was n't who she said she was and somehad stolen my information.
Complaint sub-issue: Was not notified of investigation status or results

Very dis harden and meet with severe disappointment, Ive wrote the credit bureaus well over 45 days ago asking that they take great looks into my credit profile I have several inaccuracies and fell that me bruh a woman in America I am being taking advantage of, I understand we are at a climate in America where the rights of women are being taking away by them in a blink of a eye. I ask that you come to the aid of a American tax paying citizen. Not only am I righteous I am right, I need Help in assistances I am boring taking advantage of
Complaint sub-issue: Problem with personal statement of dispute

Beginning in XX/XX/XXXX, I submitted certified letters to XXXX XXXX XXXX in reference to a charged off balance of {$1000.00} and XXXX XXXX XXXX with a collection balance of {$1000.00} asking for validation of the alleged debt owed. ( eg. my signature showing that I had entered into a contract with them ) I was sent a copy of an invoice from the collection agencies, and a letter from the credit bureaus stating that the account had been verified. I then sent another dispute to the collection agencies asking them to provide me proof and not an invoice showing that the debt was indeed mine. I again received a copy of an invoice and a letter from the bureaus stating the account was verified. 
In XX/XX/XXXX, I sent dispute letters to Equifax and XXXX requesting validation of the debts reported negatively on my credit reports. I once again received a letter from the bureaus stating the accounts had been validated, but I have received no proof. 
In XX/XX/XXXX, another dispute letter was sent to the bureaus with another response from then stating " validated '', but with no proof of the validity. 
I have been diligently working to have these items removed from my credit file as these items have been impacting me negatively in my pursuit to purchase a home. All I 'm asking is that I am provided with proof that these items belong to me- An invoice is NOT proof. 
Any help that you can give would be greatly appreciated. 
Thanking you in advance!
Complaint sub-issue: Account status incorrect

In XXXX I sent an written letter to Equifax stating I never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft under 15 U.S. Code 1681B ( a ) & ( 2 ). As of XX/XX/XXXX I have not gotten a response back from Equifax.
Complaint sub-issue: Account status incorrect

The information in my credit file is inaccurate. there are several months that I'm listed in collections " C '' when I was not. I was only ever required to pay {$15.00} per months and at times paid more when able. In addition, in XXXX I made a settlement agreement to pay {$1400.00} instead of {$1500.00}. In XX/XX/XXXX I paid the agreed amount in full. I only have two open accounts and this continued error has been detrimental to my credit rating. 

The inaccurate months are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I previously had an account with XXXX back in XXXX. Upon making payment in XXXX of XXXX ; my service was disconnected days later. When I called to find out why my service was disconnected ; I was informed by XXXX that it was a mistake on their end due to miscommunication between the payment processing department and the service department. They waived the reconnection fee as a result. The following month XX/XX/XXXX, the same thing happened and when I called in to find out why service was disconnected I was given the same reason and they waived the reconnection fee again. The following month after that XX/XX/XXXX ; the service was disconnected again days after payment was made for the third time in a row and at that point I did not call XXXX back to reconnect the phone as they were in breach of our contract for not providing reliable service with payments being made on the account. This is why the only outstanding debt that is trying to be collected is an early termination fee. The reality is XXXX breached the contract so if anyone is entitled to an early termination fee ; it is I who should be entitled to collect an early termination fee from XXXX. 

EOS CCA bought the debt from XXXX years later and are reporting that the account was opened on XX/XX/XXXX. The XXXX account was opened prior to XXXX and closed in XXXX. I have contacted EOS numerous times asking for them to provide a contract showing that I opened the account on XX/XX/XXXX which they have failed to respond to or provide paperwork supporting as such ( because it does not exist ). I currently have XXXX which I opened the third time that XXXX disconnected my phone after payment was already made and my XXXX account was opened on XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

The CRA lists a Bankruptcy on my consumer report. When asked to verify, they first claim the court notified them. Then they claim that they verified through a 3rd party CRA.

However, I've contacted both XXXX and the US Bankruptcy Court. I have attached both letters stating that neither of them validate or confirm public records and that a Bankruptcy would be public record. 
Therefore listing a bankruptcy on my consumer report violates the FCR section 623 ( a ) ( 5 ). This particular section states that when a CRA can not verify or validate the information with the original creditor that the CRA must delete said information from the consumer 's report immediately.

I've attached a copy of both letters, one from XXXX  and one from the Bankruptcy Court confirming that they do not validate or verify bankruptcies and that they do not validate or confirm public record information due to the privacy law regarding The Fair Credit Reporting Act. Having the bankruptcy listed violates my rights and commits an FCRA violation. I've attached a copy of said FCRA section 623 ( a ) ( b )
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX XXXX XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IN XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY NONE XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CO XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY
Complaint sub-issue: Old information reappears or never goes away

An account with XXXX XXXX was deleted from my credit report with Equifax and then reinserted without notifying me with the appropriate time frame. I received proper notification in the mail from Equifax on XX/XX/2021 that the account of XXXX XXXX was deleted. I noticed that the account was re-inserted on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything in the mail. According to FCRA, Equifax would have five days to notify me of re-insertion, however I did not receive any notification through mail, email, or phone that this account was being re-inserted. Please delete this account from my credit report.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX : # 1903, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Complaint sub-issue: Reporting company used your report improperly

I am one of the many millions of Americans affected by Equifax 's massive security breach. 

Equifax tried to cover up this breach for an entire month while its leaders sold their shares of the company stock. Meanwhile, my credit card was used fraudulently. 

Equifax has not worked quickly or diligently enough to notify affected consumers, instead putting the onus on the public to check their hastily built website to see if they are affected. The onus should be on them, not us. 

Finally, said website sneaks in language in its Terms of Service to try to trick users into waiving their right to sue Equifax for their conduct in this breach, the coverup, and its aftermath. 

All of this is unconscionable and I hope the CFPB does everything possible to punish Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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


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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXhis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Complaint sub-issue: Information belongs to someone else

While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX Bank is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX who is submitting this CFPB complaint myself. The accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX, XXXX XXXX )
Complaint sub-issue: Information belongs to someone else

While in the process of seeking new living quarters in XX/XX/2018 I had to have my credit ran. I noticed at that time there were some erroneous items on my credit report. At that point I called EACH creditor associated with the accounts. The creditors were unable to verify the accounts and instructed me to call the credit bureau that were reporting the accounts. All three credit agencies instructed me to call the creditors. Once I informed them that I had already spoken with the creditors and they were unable to verify the accounts, I was then instructed to file a police report because it was clear that I was a victim of identity theft. Equifax is reporting these fraudulent items, and have been since XX/XX/2018, and they are listed below. 

1. XXXX XXXX XXXX - {$2600.00} 2. XXXX XXXX - {$1200.00} 3. XXXX XXXX - {$1200.00} 4. XXXX XXXX XXXX XXXX XXXX - {$1200.00} 5. XXXX XXXX XXXX - {$1300.00}
Complaint sub-issue: Information belongs to someone else

My previous name was XXXX XXXX. Legal name is now XXXX XXXX. 

Was called by XXXX and told someone was trying to open a XXXX credit card in my ( XXXX XXXX ) I denied I was opening the card and application was cancelled. 

Target reps suggested I submit this fraud to identifytheft.gov Which redirected me to this site. 

Please let me know who else I need to report this info to.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit Reporting act XXXX Account ending in # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that this account were ever disputed. That is a violation and this account needs to be deleted.