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

XXXX XXXX and Corelogic have shared my personal information without my written consent. Pursuant to 15 USC 1681b, ( permissible purposes of consumer reports ) a consumer reporting agency may furnish a consumer report only if they have written consent from the consumer to do so. I never gave them my written consent but they have furnished my personal information to multiple agencies like XXXX, XXXX, and XXXX. I put a freeze on the file they have on me and they are still furnishing my information to XXXX, XXXX, and XXXX. They are deliberately breaking federal law that is punishable under 15 USC 1681n ( willful non-compliance ).
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am reporting this because i have noticed inquiries on all 3 of my credit reports that I have not authorized or done. These inquiries do not belong to me. 

EQUIFAX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

i have already disputed these items with the credit bureaus but they did not remove them or prove validation. 

Sec. 602 State, I have a right to privacy. 

XXXXXXXX XXXX Account Number : XXXX OFFICE OF THE ATTY GEN Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX
Complaint sub-issue: Personal information incorrect

On or about XXXX XXXX, 2022, I mailed a certified letter to XXXX demanding that all inaccurate names be removed from my credit profile, and in fact, I supplied them with written information of the correct spelling of my name as it should appear on my report, and all other variations of my name should be removed, as they are in fact not my name. My legal name is XXXX XXXX XXXX, and all other spelling variations should be removed, as that is not my name nor have I ever gone by that name.
Complaint sub-issue: Information is not mine

Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Complaint sub-issue: Account status incorrect

I paid this collection and agree to deleted from my reports. But they wont remove it from my reports. Saying theyre not allowed to deleted
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I got a Home Depot credit card last year. I saw some purchases I did not make. I contacted the Home Depot security office twice and they denied my claim. I faxed/ mailed them several times my ID and police report however they keep telling me that they have not received any documents. I have proof of the faxes and letters I send. They keep making excuses such as that I didnt include my account number or fraud claim number ( when I did ) or they keep giving me different fax numbers. I asked for an explanation and if the purchases were made in store or online. At first, Home Depot said the purchases were made in store then I asked for them to check the security cameras. Then they changed their story and told me that the purchases were made online. Its been several months and I hadnt had a fair resolution. They just call me day and night to remind me to pay the bill sometimes their associates are extremely rude. Even if I block the number they call me from different ones. When I try calling customer services they just transfer my call to different random people for two hours straight to finally hang up on me. This situation is been so stressful for me. Ive done everything they asked me for. However now my credit went down significantly and I was trying to built my credit to buy a house soon.
Complaint sub-issue: Account information incorrect

My credit report ( Equifax ) shows hard inquiries on me made by XXXX XXXX every couple months for the past two years. I have never applied for credit with XXXX. I have tried contacting XXXX directly to figure out why this happening and have not been able to receive any help and it continues happening. I am afraid that someone else is trying to apply for credit using my information. I've also had the same thing happen with XXXX a couple times.
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 confidentially under 15 USC 1681. 

Act Name : XXXX XXXX XXXX  XXXX Act Name : XXXX XXXXXXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXXXXXX XXXX Name : XXXX, XXXX Act Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. I am very upset that my personal information was used without my consent or knowledge. I have requested in writing to the credit bureaus that they remove these unauthorized inquiries.
Complaint sub-issue: Information belongs to someone else

This letter is regarding account # XXXX, which you claim I owe {$870.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.
Complaint sub-issue: Account status incorrect

This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from XXXX was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on XXXX XXXX side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by XXXX to contact me on XX/XX/XXXXor XXXX as stated, this is simply a false statement.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently viewed a copy of my consumer credit report and notice a bunch of unauthorized Inquires. The List below is all the unauthorized Inquiries on my consumer credit report. 

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
Complaint sub-issue: Was not notified of investigation status or results

I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.
Complaint sub-issue: Information belongs to someone else

I checked my credit report recently and saw inquiries that I did not authorize.
Complaint sub-issue: Debt is not yours

XXXX XXXX is trying to use Allied interstate to collect a debt of over {$600.00}, claiming I have a storage unit with them. On XX/XX/22 I opened a storage unit with them. On the next day XX/XX/22 I closed a storage unit with them because it did not fit my needs. They know that in their system I am not a customer. 

I have no active units with them and owe {$0.00} They are trying to collect a debt that is not owed. 
I was also enrolled in auto pay through my credit card. So this makes zero sense.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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,XX/XX/XXXXXXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX, are all unauthorized and 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.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have already filed an FTC report and my FTC REPORT # is : XXXX. Pursuant to 15 USC section 1681c-2 Block of Information resulting from Identity Theft ... XXXX and all sister affiliates corporations, XXXX and all sister affiliated corporations and Equifax and all affiliated sister corporations or XXXX XXXX XXXX XXXX XXXX XXXXXXXX must remove All inquiries, both hard and soft, off my CONSUMER REPORTS immediately. These fraudulent inquiries were not authorized, nor did I give consent or give permissable purpose to any of the furnishers. These consumer reporting agencies did not provide the method in which they claim has been verified. e-Oscar is an automated form of AI and it's a complete violation of my consumer privacy and has had a negative impact on my home buying process. They are non compliant with federal consumer law.
Complaint sub-issue: Information belongs to someone else

I have told Equifax that they have an incorrect address on my credit report more than once and they do not remove it. I had open cases that never get taken care of.
Complaint sub-issue: Personal information incorrect

Dispute letter sent to Equifax XX/XX/22 to update correct address and to remove inaccurate addresses on file. As of XXXX inaccurate addresses still being reported under Personal Information ( Contact Information ).
Complaint sub-issue: Having problems with customer service

FedLoanServicing emailed me on XX/XX/XXXX that they were processing my application. On XX/XX/XXXX they left me an electronic message on their website that I was not eligible and to furnish requested information to reapply. I uploaded the requested information to their file via PDF format 2 business days ago and have not received any email at all confirming that they are processing the PDF file. So in other words, information requested was uploaded onto my account electronically and no message whatsoever that it was being looked at or responded to. I mailed a completed application today just to cover all bases but I am very concerned that FedLoanServicing is becoming grossly incompetent without any way to contact for any sort of a timely response. I have been with FedLoanServicing since XX/XX/XXXX, and they have never been so late with response. Prior to XX/XX/XXXX, FedLoanServicing service was fast, competent and complete. I am very concerned, and I have no way of knowing if or when my application or my information is being read or considered. There is no accountability, and the turn around response rate was never close to being this late. There is no one to call and ask, just random service reps who politely answer calls, assist as they can and patiently explain details. The customer service reps are the only line of communication until a written electronic response is finally made. It never took so long to receive a response to application from the processing dept. as it does now.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX  XXXX {$64.00} XXXX  XXXX {$590.00} XXXX  XXXX {$340.00} XXXX   XXXX {$1200.00}
Complaint sub-issue: Investigation took more than 30 days

I ve been working with the creditor and credit bureau to deleted promised information. Non of the collections on my report where mines and I was forced to pay or the said my credit would remain ruined. They said they would permanently delete the accounts from my credit. This is frustrating. They are dishonest companies. I want all these accounts deleted from my credit report. 5 accounts XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  XXXX XXXX Reported : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX
Complaint sub-issue: Keep getting calls about your loan

American education services keeps calling me regarding my brother, who apparently used me for a reference about 15 years ago. I do not even have a loan with these people! I have told them to stop calling, but they continue to do so almost every day.
Complaint sub-issue: Account information incorrect

Every 30 days starting in XX/XX/2019, I have been sending official signed notarized letters with a copy of my drivers license and social security card and to this date I have sent 4 separate letters to XXXX, Equifax and XXXX. These letters have been to provide me with the original creditors documentation on file to verify that this information on my credit report is mine and is correct. My complaint is related to Account Name - DEPT OF ED / XXXX, Amount - over $ XXXX. The credit bureaus and the company XXXX which I sent out 5 letters to was to verify this account and provide me the original signed contract for this debt. Neither the bureaus or the company has provided that information and their responses was simply stating it was verified with out documentation. I want this account deleted from my credit report as this debit is unverified therefore I am not responsible for these payment XXXX is saying I owe.
Complaint sub-issue: Didn't receive enough information to verify debt

I.Q. Data International XXXX XXXX XXXX # XXXX Trying to collect an alleged debt, but are not licensed to collect any sorts of debts in the state of Georgia upon checking the XXXX XXXX XXXX I.Q. Data International is only licensed to collect debts in the following states, Arizona, Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nebraska, Nevada, New Mexico XXXX North Dakota XXXX Oregon, Rhode Island XXXX Wyoming. 

also I asked for a validation of debt that I owe to I.Q. data also requested the contract and signature that I provided to I.Q. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information Personal Statement Accounts Affected by the XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Theft Company or Organization : Total fraudulent amount : {$0.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Under penalty of perjury , I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/ Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Complaint sub-issue: Personal information incorrect

The address on credit report is not correct on my credit bureau. As a proof I uploaded XXXX bill which contain correct address.
Complaint sub-issue: Their investigation did not fix an error on your report

My ontime payment went through an inactive checking account on XX/XX/XXXX for my XXXX XXXX that I lease from XXXX XXXX XXXX due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX  that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX, I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/XXXX payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX   XXXX and they denied it all times!