Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I have contacted Equifax several times via phone, online and first class mailings on many ocassions in regards to 1 account that was placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it! It makes it look very bad on my credit report, and reporting negatively. I am trying to get financed for something and it makes it difficult when they're checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax, several times and they say the same thing over and over.The companies need to either send proof of validation or it needs to be removed This account does not belong to me I have done FTC I have called and they have told me that they are handling it and they have received proper paper work and I should see an update and I never do.The following account that is reporting is ... XXXX with a balance of {$1400.00}
Complaint sub-issue: Information belongs to someone else

XXXX  just dont get it. IF A PERSON DIDNT APPLY FOR SOMETHING, remove it from their credit report. Is that so much to ask for?? If you cant do your job, then maybe its time to resign. Ive disputed many time and none is resolved. The recent one was because of fraud WHICH the bank directly mailed you guys to have it removed. Still didnt do it. Such lazy and embarrassing credit agency. Cant wait for all 3 useless credit reporting agencies to be gone if they dont want to help out the consumer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Far 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 Illinois Child Support, # XXXX XXXXXXXX XXXX # XXXX XXXX, # XXXX XXXXXXXX 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 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: Problem using a debit or ATM card

On XX/XX/24 I traveled to XXXX Texas for a family vacation. I went to the XXXX gas station to get gas and reader stated that to see cashier upon going to the cashiers station I was told that my card was declined due to insufficient funds knowing that was not accurate I contacted a representative over the phone with US Bank the rep stated that my card was deactivated because a new card was sent it. I tried to explain to the rep that I didnt receive a new card in the mail and that I was out of state with no other means of funds she stated she was going to locate a branch near me however there was not one available in the city I kindly asked her to please reinstate my card as I have No way to navigate the city nor funds to get back home she stated that I should just access my account online and XXXX XXXX myself money I asked did that make sense for me to have to pay to access my own money when I didnt deactivate my card nor was I made aware of the situation especially when I had visited a branch XXXX this week and no one in the local branch had said anything to me about it. She said well Im just trying to help you get your money. Im very upset so I discontinued the call with the rep
Complaint sub-issue: Card opened as result of identity theft or fraud

I SPOKE WITH SOME AT DISCOVER THEY TOLD ME TO WRITE A LETTER AND SEND THEM A COPY OF MY LICENSE.I TOLD THEM THAT I HAVE DISPUTE IT WASNT MIND THEY SUIT ME AND HAD IT TOOK FROM MY PAY CHECK ITS A XXXX BALANCE BUT I NEVER OPENING A ACCOUNT WITH THEM.I ASK FOR PROVE OFF THE ACCOUNT WHO AND HOW IT WAS OPEN WITHOUT MY PERMISSION AND I HAVE A FRAUD ALERT ON MY CREDIT SINCE XX/XX/2017 AND THE ACCOUNT WAS OPEN IN XX/XX/2017 and had two phone number on the account that wasn't my number this is affecting my credit really bad.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

XXXX reports to the XXXX credit bureaus that I owe money. I did not open a Discover card nor do I owe any of these companies any money.
Complaint sub-issue: Personal information incorrect

I am moving across the country and applying for apartments. I had placed freezes on my credit at all 3 agencies due to the EquiFax breach in XX/XX/XXXX. As I was removing the freezes ( XX/XX/XXXX-XX/XX/XXXX ), I was verifying my personal information. EquiFax had an old address listed as my current ( XX/XX/XXXX ). I inquired about how I can update it and EquiFax customer service instructed me to fax a utility bill, social security card, drivers licenses and cover sheet to XXXX. I was informed it would take 48hrs to process. I completed and recieved a fax confirmation on at XXXX PST on XX/XX/XXXX. I informed the apartment management company and they agreed to wait until XX/XX/XXXX to run their inquiry. I phoned EquiFax the morning of XX/XX/XXXX to ensure the address was updated. I was informed it was not and there were no documents uploaded to the system. I was on the phone with 8 different EquiFax representatives over the course of 3 hours and on one could help me. I was finally transferred to a manager, XXXX, who performed the same actions as the previous 7 EquiFax employees and, again, could not help me. I inquired about speaking to his supervisor and was told it was not possible and he proceeded to terminate the phone call, against my wishes, with no resolution.
Complaint sub-issue: Reinserted previously deleted info

On XX/XX/XXXX, I discovered that this information had been reinserted into my credit file after previously being deleted. I was not contacted by the Credit Reporting Agency, Equifax nor had I received any correspondence. I have been keeping up with my credit file and attached is the screenshot of the removal XX/XX/2016. I disputed this issue with Equinox through fax and was given XXXX case numbers but the only issue " verified '' was about a student loan that they claim was in a bankruptcy case and I HAVE NEVER ever filed bankruptcy nor was that my current dispute so I am at my wits end and did n't know anything else to do to handle this issue.
Complaint sub-issue: Information belongs to someone else

There are accounts, inquiries, and addresses on my credit report that I don't recognize and or that belong to me. Please remove them
Complaint sub-issue: Debt was result of identity theft

Equifax leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX, Equifax, and XXXX are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation, yet I have yet received any information in over 90 days. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.
Complaint sub-issue: Account status incorrect

Hello, account # XXXX from XXXX XXXX has been paid and closed. You have documented that the account is " paid as agreed ''. The account is appearing on the negative items of my credit report. Please remove the item from negative or delete the account. You are reporting false information ans as per the FCRA you are in violation. Thank You.
Complaint sub-issue: Problem with personal statement of dispute

I bought a furniture from Conns Appliance INC on Credit worth nearly {$12000.00}, on XX/XX/XXXX, of which I have faithfully paid the amount due as agreed up to {$5200.00}. However, the product develop a significant defect, with the leather chairs peeling off in less than a year and half into the contract, and electronics gadget not working properly. I reported the issue to the company, and a repair guys was sent but their was nothing they could do. I stopped payment for this reason after several complaint and nothing was done to help resolve the issue. In XXXX, XXXX, after a prolong lawsuit by the same company, they decided to dismissed the case at the court after I hired a lawyer. Unfortunately, I just noticed they had it fraudulently reported on my credit report, when I started my mortgage application process. I have wrote them to correct this, but nothing has been done to it. This has hurt me in buying a house because they have continually maliciously and fraudulently reported this since XXXX, XXXX, till present. The company has two addresses : Conns Appliances IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Complaint sub-issue: Problem with personal statement of dispute

There was a glitch in the system. These inquires were added back to my report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A - States I have the right to privacy 15 U.S.C. 1681 604 A - It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Reporting company used your report improperly

Pursuant 15 USC 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report under following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I XXXX XXXX as the consumer has NEVER gave any consent for XXXX, XXXX or Equifax to furnish this account ( XXXX XXXX XXXX  ) and inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my consumer report! As consumer reporting agencies, pursuant to 15 USC 1681e ( b ), you're failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report. Your actions is damaging my reputation, character, credit worthiness!
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting acts, has violated my rights. 

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 XXXXXXXX 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: No notice of investigation status/result

I wrote to Equifax in XX/XX/XXXX, I asked them to Verify My account information, I had a Home Loan XXXX & XXXX which XXXX co. had reported Late FIRST in XX/XX/XXXX, I asked The Name & Contact info. to be provided, in XX/XX/XXXX, They stated it was verified, They Equifax also reported XXXX XXXX # XXXX they record high amount as {$9900.00} noted see copy of report says status charged off .. It is implied they charged off the whole {$9900.00} NOT accurate, The bureau 's refuse to verify information, they just send out canned letters hoping people will go away.. It is ok for them to post anything they want on your credit, The Law Says, The Credit Info. provider 's have XXXX days to provide corrected info. and its up to " US '' as consumers to provide Information, It is now XXXX days, they addressed Nothing.. The Fair Credit laws are clear, they do not intend on following the law. see copies to show how the information was reported.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act the below have have violated my rights, XXXX XXXX  XXXX Account Number # # # # # # 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: Credit inquiries on your report that you don't recognize

I reached out to both XXXX and Equifax to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are : XXXX : XXXX , XXXX XXXXXXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XX/XX/XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, UT XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>The following are inquiries from Equifax that are not authorized by me : XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX2016 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Personal information incorrect

I've sent in copies of my ID showing proof of my correct name which is XXXX XXXX XXXX. I've called as well. They finally changed my name on my credit report but they deleted the correct spelling of my name and added XXXX XXXX XXXX XXXX XXXX. I keep contacting them to correct this and have not gotten anywhere.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2018, I notified Equifax via certified letter, that I was disputing XXXX/XXXX, XXXX XXXX, and XXXX. To date, I have not received anything from Equifax regarding this Dispute. It has been over the 30 days and my dispute has not been validated. This is clearly a violation of the FCRA and FDCPA.
Complaint sub-issue: Frequent or repeated calls

They keep calling my girlfriend, after i already provide them my main number where they can clearly let me a voice mail or anything so they continue harassing me for a payment that already have made and delivery to them as requested.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  investigation is wrong. XXXX  & XXXX  changed this information.I paid a loan off with Money Lion in XX/XX/XXXX. They reported me as 30 days late in XXXX. I had no more payments. They had an systems errror with there payment system. I should not be reported as late. I could have resubmitted. They never contacted me only falsely reported me as late.
Complaint sub-issue: Attempted to collect wrong amount

XXXX has that I owe them XXXX. This amount is erroneous. I called XXXX to cancel my mobile service and they refused to cancel unless I paid the outstanding balance so they continued to bill me and add on late fees which totaled the amount above. I can not believe they refused to cancel my service and continued to bill me. this outstanding balance has been transferred to various collection agencies in an attempt to collect the erroneous debt and its negatively impacting my credit score/credit report.
Complaint sub-issue: Used obscene/profane/abusive language

PERSON CALLED ME LOOKING FOR MY SON. I TOLD HIM I HAD NO COMMUNICATION WITH MY SON AT ALL ( WHICH IS TRUE ) AND ASKED THAT HE DO NOT CALL ME AGAIN LOOKING FOR HIM. HE SAID HE KNEW I WAS LYING THAT MY NAME WAS ... ... AND STATED MY NAME AND KNEW I WAS THE MOTHER OF THE PERSON HE WAS CALLING FOR. I TOLD HIM EITHER WAY DO NOT CALL MY NUMBER AGAIN, THIS IS A CELL BY THE WAY. HE THEN SAID HE HAD THE RIGHT TO CALL ME AND THAT IF I HUNG UP ON HIM HE WOULD JUST CALL ME BACK CONTINUOUSLY. I TOLD HIM THAT I WOULD CONTACT MY ATTORNEY AND TO GET A REAL JOB, HE THEN TOLD ME I WAS NOT A VERY GOOD XXXX! HOW DARE HE BRING ANY RELIGOUS CONTENT TO THIS CALL. I HUNG UP, HE CALLED BACK, I IGNORED THE NUMBER, THEN HE CALLED XXXX MORE TIMES SO THE LAST TIME I ANSWERED AND PUT MY PHONE UP TO AN ALARM AND BLARRED IT INTO THE PHONE SO IT WOULD BLAST IN HIS EAR. HE DID NOT CALL BACK YET.
Complaint sub-issue: Their investigation did not fix an error on your report

Reported errors for over 2yrs using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes to fix this and nothing happened, i asked for the accounts to be dele/ted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything for dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed
Complaint sub-issue: Was not notified of investigation status or results

This is my third time asking for an investigation of a bankruptcy reporting on my credit report. All three credit companies XXXX XXXX, Equifax, and XXXX have said that the data furnisher The United States Bankruptcy Court have reported the bankruptcy when they do not report to the credit bureaus. This is an unfair act and they deliberately lied about the re investigation. I feel as though this should be removed from my credit report for false responses and negligence on the bureaus behalf.
Complaint sub-issue: Information belongs to someone else

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. Remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct. # XXXX has violated my rights. 15 USC 1681 section 602A 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 with out my written instructions. XXXX XXXX XXXX XXXX has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, all four are showing on my report with the same Account Number XXXX
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 a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. 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.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 was result of identity theft

I received a call on Monday, XX/XX/2022 and missed it. Upon looking up the phone number, I realized it was a collections company. Having dealt with their tactics 6 months prior in regards to identity theft on my wife, I immediately called MRS Associates back. I was advised of an outstanding balance due under my name and social security number for XXXX XXXX. I advised them this was identity theft and that I have never opened an account with XXXX, nor have I ever lived in Texas, which is the address on the account. MRS Associates advised me that I needed to file a police report stating as such and email to them. I submitted the requested documentation, including the police report, placed a fraud alert on my credit file, and still MRS Associates attached a delinquency on my credit account with all 3 major bureaus. I maintain a credit score over XXXX and now have wasted hours of my time and lost over XXXX points on my credit score because of their dishonest tactics when I was very transparent with them. XXXX XXXX XXXX XXXX is a collaborator with the criminals in these situations in allowing accounts to be opened without proper verification.
Complaint sub-issue: Reporting company used your report improperly

Equifax found out in XXXX that they had been victim of a hack that exposed my personal, identifying information as well as my credit report. My information has been confirmed to be included in the hacked information. I have been a victim of identity theft in the past, and the most recent incident was around XXXX, when the hack took place. Equifax should have notified us as consumers about the hack as soon as they knew ; instead, they chose to sell their stock and hold onto this information until they deemed it necessary to let the cat out of the bag, exposing me and millions of others to potential theft and loss of funds. I have personally lost several hundred dollars in fees and interest to people who stole my identity since this breach took place.