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

on XX/XX/2021 i sent EQUIFAX a letter to dispute inaccuracies and unverifiable account. They failed to respond. 
" Under 15 USC 1681 b ( a ) ( 2 ) ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. '' I have not given EQUIFAX consent to furnish anything. Please remove the disputed items in the letter.
Complaint sub-issue: Reporting company used your report improperly

15 u.s.code 1681a your company is clearing violating the law rules of construction
Complaint sub-issue: Problem with personal statement of dispute

I sent a dispute out to all three main credit bureaus and ask for validation of the debt of an account. They all came back as verified. I then contacted the Bankruptcy court and they informed me that they did and do not verify debt with bureaus. I am requesting that they send me the Method of verification of this debt. 

I am writing to request the method of verification for the dispute initiated between 30-60 days ago.

Chapter XXXX Bankruptcy Case Number : XXXX Please send the following information used to verify the validity of CHAPTER XXXX BANKRUPTCY Case Number : XXXX 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The  documentation used to verify the dispute I personally have an attached letter from the court stating that the did not verify the dept to Credit Bureaus. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
Sincerely, XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Complaint sub-issue: Their investigation did not fix an error on your report

Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for meXXXX XXXX XXXX XXXX XXXX, XXXX XXXX,
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX  {$1000.00} XXXX {$200.00}
Complaint sub-issue: Account terms

I have disputed this account and it 's entirety on XXXX different occasions. Once in XX/XX/XXXX and once again in XX/XX/XXXX. I have XXXX different confirmation numbers including the one I listed above and XXXX and both times Equifax confirms that XXXX is reporting the information accurately. The first dispute Equifax replied with a 30 day late payment XX/XX/XXXX, a 60 day late payment XXXX XXXX, a 90 day late payment in XX/XX/XXXX, then 120 day late payment XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the the account charges off " L '' for the months XX/XX/XXXX-XX/XX/XXXX. There is NO PAYMENT HISTORY in between XX/XX/XXXX-XX/XX/XXXX. Then Suddenly XX/XX/XXXX after the charge off status has reported for over a hear, it suddenly begins reporting payment history again of 180 days late XX/XX/XXXX - XX/XX/XXXX.then immediately report the account as a charge off again. ON the second dispute Equifax then verified they were reporting the information correctly, but the added a 180 day late payment in XXXX XXXX as well then began reporting the account again as a charge off. It 's my understanding that once the account has been charged off, unless payments have been made then the account remains as a charge off and ca n't pick up late payments randomly a year after the account has charged off. I also requested payment history from XXXX via certified receipt and at the same time I sent a dispute to Equifax and I never heard anything back from XXXX. This is all illegal and Equifax is allowing information to report verified or not that is common sense that it should n't be reporting. I think it ' ludacrus that I have now spent over 3 months of my life trying to get information corrected and it 's impossible no matter what I try.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

A Company called Allied Interstate called me sometime around the 3rd week in XXXX  asking me to verify personal information without telling me what the call was about. When it became clear that they would not release any information without verification, I told them to stop calling me and then blocked their number. I have now received about 5 different voice mails with no message recorded, each time the same phone number is listed in the header information of XXXX. I assumed it was just a telesales line as I have been looking for information online and may have gotten put on some phone list. So, on XX/XX/18 after receiving another voice mail notification with a blank message, at about XXXX, I checked the header information for the message, and called the number to find out that it was Allied Interstate calling me again. I repeatedly asked what the calls were about, but the representative would not disclose any information until I verified personal information. I have never done business with an Allied Interstate so I was highly concerned as to how and why this company has my information. He continued to recite previous addresses that I had lived at in my past, but I will not verify personal information with anyone I do not know. This phone call was ended just after I told the representative to stop calling my phone, for the second time.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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: Debt is not yours

AAA Collections says that I am responsible for my late wife 's ambulance ride she took the night of her passing. I sent them the death certificate and they said I was responsible and they will find my employer. Amount owed is XXXX after insurance.
Complaint sub-issue: Problem using a debit or ATM card

Hello On XX/XX/XXXX I notice a charge on my account for XXXX from a company name XXXX  I called the bank and they told me they couldn't tell me where it was coming from I did tell them that my car had been stolen a couple of days before and they told me they could cancel the card but I told them I need to get lunch and I was going to be able to use it if they cancel it. so the lady from the bank told me I can freeze the card and un freeze it so that I could use it which I did. At lunch I went to XXXX to get me something to eat I spend {$3.00} and unfroze my card for that purchased, when I came back to my desk to eat I login to freeze my card again and that's when I noticed it had just been use at XXXX for the amount of {$190.00} I called the bank immediately and they cancel my card. Today XX/XX/XXXX I got a letter letting me know that my claim had been denied due to their investigation showing that I was the one that had done the XXXX purchase I told her that was not me if I had done so I would of not be calling I told her to check the XXXX cameras and to prove to me that I was the one using the card and she said the I can go to the police since I had already file a report on my stolen car and figure it out on my own. I'm very disappointed it with my bank they can look at the history of my XXXX purchases I never bought this much on one transaction I've been a customer for over 10 years
Complaint sub-issue: Company closed your account

In XXXX, I decided to close my secured credit card which is authorized by XXXX XXXX XXXX  and had {$300.00} deposit in that card. I called the cardmember service hotline and was told if I need to close my card, I need to write a former letter including my name, reason, current address and signature, then they can close my card and mail the deposit check back. I wrote the letter as they told me and sent to cardmember service. But after one month, I found my card was closed but I still hadnt received the check, so I called card service hotline on XXXX XXXX, and the representative told me that per her system record they did n't receive my mail, but they still closed my card. During the phone call I found my address in their system still was the old address which not be updated to my current address. So the reprehensive helped me changed the address and told me will mail the check ASAP. But after one week, I received the letter from XXXX XXXX XXXX that they mailed the check to my old address and the check was cashed out by my ex-husband. I was so shock that per their request I mailed the card-close requirement letter and provide my current address how could they mailed the check to a wrong address. I called cardmember service hotline the third time, and the representative was very rude and told me that their company has no duty to check and make sure if the customer changed the address, and they mailed check to the address in system, so they do n't care what happened next. My question is, I followed the rule they told me, provided the letter and my current address they requested, why they still mailed to a wrong address and even let some strange cashed the check out? What the meaning of the card-close letter they requested?
Complaint sub-issue: Didn't receive enough information to verify debt

I reached out to Macys regarding an attempt to collect debt. I settled the account XX/XX/2019. And asked them to send me something in writing that verifies I settled the account and do not have a balance. They refused and did not explain to me why they couldnt do it. I called several different times and got different answers every time. I needed this information so I can obtain a loan to purchase a home. I called repeatedly and asked if I can send a POA to have the credit bureaus call to obtain account information on XX/XX/2019 and Macys said yes and it had to be hand written. I hand wrote my authorization, called Macys to see if they received it on XX/XX/2019 and they said yes. On XX/XX/2019 I get a call from the loan office and they told me Macys would not answer to the credit bureaus. So this delayed my loan 5 days when Macys first told me they would answer to the credit bureaus as long as I hand wrote an authorization letter. I call Macys and ask to speak to a supervisor and the representative told me theres not much they can do and would not allow me to speak to a supervisor. I repeatedly told the representative of the miscommunication they provided me and really needed to talk to a supervisor and once again the representative stated the manager was going to tell me the same thing she told me. She placed me on a 15 minute hold, once I got a supervisor on the phone, she was not apologetic of the miscommunication that was provided, she showed no sympathy of my frustration, she did not offer to assist me in any way. I truly felt discriminated. I can not believe the unprofessionalism Macys has shown me. I felt disrespected. My time was wasted trying to get help.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my credit report and personal information as well as those of 143 million US citizens/residents by allowing the highly valuable data to be hacked from their servers. They should be held accountable for the liability they have put me in. They should offer lifetime credit monitoring services, not 1 year protection. Hackers are smart enough to wait until the 1 year period is through until they start using the stolen information.Additionally, insider trading occurred as some high level executives sold company shares before these news were revealed to the public. I demand action takes place against this poorly run corporation.
Complaint sub-issue: Account status incorrect

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX XXXX Date opened>>>>>> XX/XX/2003
Complaint sub-issue: Investigation took more than 30 days

XXXX  AND XXXX ARE REFUSING TO REMOVE 2 ACCOUNTS, THE TOTAL TIME FROM DISPUTES EXCEEDED 138DAYS FOR XXXX XXXX XXXX XXXX ACCOUNT FOR {$290.00} AND XXXX XXXX XXXX FOR {$310.00}.
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I made my final payment to XXXX services for my CITI credit card. I received a letter stating they will be reporting to CITI that my account has been settled and paid in full. CITI has yet to act and report to the credit bureau that this account has been paid.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this online complaint myself, and to inform you that I am not connected to any Credit Repair companies or any of its like that deals with the credit repair process. The personal information about the different addresses being linked to my profile is erroneous. Please supply any documents or papers that show that I have lived to these specific addresses mentioned. 
XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, DE XXXX
Complaint sub-issue: Public record information inaccurate

On XX/XX/2019 I applied for a position with the employer XXXX XXXX XXXX XXXX they had me consent to a background check. Three days later I received an email from Checkr. They listed a Nole Prossed charge of leaving a scene of an accident and also stated that they have a nine year old charge of driving with a suspended license. So I called Checkr and spoke with XXXX with Checkr and filed a complaint to dispute these issue. I asked XXXX if she knows what Nole Prossed means and she stated No but she works at a background reporting company and is involved with reviewing peoples background reports. That is very scary and neglent. The worse part is damage is already done. They are exposing me to an employer and causing me to look bad. They have those two items on my report with clearly shouldnt be disclosed to any employer.
Complaint sub-issue: Their investigation did not fix an error on your report

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00}
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XX/XX/XXXX ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$650.00} ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$720.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00}
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 146 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 146 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Complaint sub-issue: Their investigation did not fix an error on your report

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$610.00} Balance updated XX/XX/2021 This account does not belong to me