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

I filed complaint XXXX on or around XXXX XX/XX/2022 indicating that the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) had supplied Equifax with XXXX information for a credit card account and a line of credit ( revolving student loan ). It is now XXXX XX/XX/2022. Clearly, Equifax did not read documentation and used eOSCAR to conduct automatic update of information from the data furnisher with whom I am disputing payment history. Equifax has been made aware that the data furnisher violated Regulation Z and Regulation F, the XXXX, the FDCPA, the FCRA, and the XXXX. Equifax received a copy of the complaint I sent to the office of my state 's attorney general and the US Attorney 's Office for my district, which cites the specific state and federal law violations. Yet, having received those complaints and the copious documentation supplied, some of which includes documents from the data furniser acknowledging a system failure that caused months of no delivery of electronic statements OR paper statements, Equifax has persisted in the invalid/incomplete information claiming the data furnisher " verified '' the accuracy of the information. I Included documents with complaint XXXX ( screenshots ) showing the data furnisher 's system indicating not only XXXX ( XXXX ) access to paper statements and electronics statements, but the records showing I had XXXX ( XXXX ) accounts for the periods in he data furnisher supplied Equifax with information regarding late payment history and charge-off. Equifax is persisting data that indicates I failed to pay on an account through charge-off, when Equifax has the documentation from the data furnisher indicating the furnisher DID NOT bill me, allegedly fixed the problem, only for the probelm to return, causing the accounts to subsequently be charged-off. Based on a preponderance of the evidence supplied to Equifax in complaint XXXX, Equifax knows XXXX or SHOULD know, ( should have reasonable suspicion to believe based upon documentation supplied ) that the information supplied by the data-furnisher is incorrect. Yet, Equifax persists the invalid and/or unverifiable information. With just the statement here I have cause to sue Equifax. Instead, am requesting this matter to be resolved using this CFPB process.
Complaint sub-issue: Information belongs to someone else

SOMEONE USED MY IDENTITY TO OPEN FRAUDULENTACCOUNTS WITH MY NAME, SOCIAL SECURITY NUMBER THESE ACCOUNTS LISTED DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

equifax, XXXX  and XXXX  are reporting credit inquires on my account i do not recognize and that were never initiated by me. I have mailed a letter to all 3 bureaus requesting them to investigate and remove these inquires from my account.
Complaint sub-issue: Didn't receive enough information to verify debt

Received a notice from debt collection agency on XX/XX/XXXX, XXXX which was dated XX/XX/2020. I immediately responded to the notice requesting validation of the debt, for which I have documentation they received on XX/XX/2020. I did not receive a response and on XX/XX/2020 I ran my credit report and discovered that on XX/XX/2020 the debt collector had reported this item on my credit report ( s ) although they had received a letter to validate the debt prior to this reporting which they had failed to respond too. i disputed this with the credit bureaus for which they had reported explaining the no response to the validation of debt letter. XXXX immediately removed this account from my report. At this point XXXX had not yet received their dispute in the mail. In XXXX, I received a letter from the collection agency dated XX/XX/2020 stating that although they had no obligation to do so that they were providing the validation of the debt. Which was not a complete method od verification. They provided a typed letter of the amount they claimed to be owed by the dispute supervisor, as well as a bill ledger, They did not provide a document bearing my signature, the contract between them and the original creditor, their license to do business in my state, or proof the debt owed is within statue of limitations for my state. At this point XXXX states that the account was verified by the collection to be correct and has it to remain on my credit report. This should have never been placed on my credit report as I made contact with this agency prior to and they did not provide validation of this debt,
Complaint sub-issue: Information belongs to someone else

I asked XXXX and Equifax to be compliant with federal tax code by disputing several items on my credit report to which they havent complied with regards to my complaiimt. Article 26 the United States Federal Tax Code states : " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these debts arent mine and need to be removed. '' When I refer to these debts. I'll attach the debts/creditors that charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force XXXX and Equifax to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking XXXX and Equifax do the same.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was eight months pregnant with our baby girl. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Investigation took more than 30 days

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

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

15 USC 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 and open end consumer credit plan as late for purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. 
XXXX XXXX  account # XXXX have 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: Information is missing that should be on the report

equifax and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the equifax breach destroy my credit
Complaint sub-issue: Investigation took more than 30 days

The agency involve is equifax After having disputed it on 2 occasions, the Equifax credit agency has not solved my situation around the inaccuracy that my credit report shows, here I send irrefutable evidence that shows the errors and the times and tried to solve this situation
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorize and Fraudulent Hard Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

There are medical collections on my credit report do not belong to me, However, They belong to my wife, I have never received any letters of attempt to collect the debit or any letter explains my right to those collections, They just put them on my credit report without any prior contact. I have called the progressive management system and I was told that the collections will not be removed from my credit report till 60 days after the accounts are paid. Those collections stops me from proceeding in getting some of the credit that I need, Buying a house for example or a vehicle.
Complaint sub-issue: Didn't receive notice of right to dispute

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX/ {$180.00} / XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX/ {$780.00} / XX/XX/2022 XXXX XXXX XXXX XXXX / {$120.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX/ {$100.00} / XX/XX/2022
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 XXXX. 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 n 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 us 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 XXXXThis 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 n admitted they had my police report n 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying for over a year to dispute two accounts from XXXX. One is from XXXX XXXX XXXX  I have submitted documentation to them proving this was paid in full by my insurance before the creditor had the account. They have opened and closed my dispute as little in 10 minutes without reviewing my documentations. The same has happen with XXXX XXXX XXXX reported in 2017, my deceased finance opened this account without my knowledge I contacted the creditor and told me I wasn't liable. I'm no longer allowed to dispute this two accounts from XXXX,
Complaint sub-issue: Company closed your account

I had been searching online for an engagement ring for months, and found a reputable company that had stellar reviews and seemed like the best option. So now that I made that decision, on which company to go to for an engagement ring ; now to choose the ring. 

I put together the setting, the diamond and then other options associated with the ring and it came to a total of about {$9800.00}. I obviously didn't want to let my soon to be fiance to see the purchase and so I wanted to put it on my credit card that had a limit of {$10000.00}. I had more than double that amount in my joint savings account ( that was with the same bank ) and about half of that in an account at another bank.. 

The transaction ( not surprisingly ) was blocked by fraud, so I contacted them to allow the transaction and get the process going for my ring. 

I got the run around, I spoke to about XXXX different " fraud specialists '' in XXXX different " fraud '' departments at US Bank. All telling me that I needed to speak with this OTHER department. Turns out, from one fraud specialist, that US Bank doesn't like people buying jewelry on their credit cards. So they closed my account, no questions, nothing. They just closed my account, I have worked for years at rebuilding my credit, and this was not a new account, and now they closed my account. AND I had over {$200.00} in cash back that I didn't cash out yet, that now they're keeping. 

And now they say that they can't reopen my account, that I would have to reapply. This is ridiculous, I understand that a bank can close an account at their own will, but there has to be some sort of protection on this. All because I tried to buy a piece of jewelry, and that is not in any of their customer agreements, not to mention that I had more than double that in a savings account at the same bank. This is going to hurt my credit, this was my largest credit card.
Complaint sub-issue: Reporting company used your report improperly

The Credit Reporting agencies claim they investigated the listed bankruptcy and verified it. I contacted the US XXXX DISTRICT OF GEORGIA BANKRUPTCY COURT about this issue as well. In which I received a letter stating that no such verification has been provided nor would they ever give out such information. Congress says in order for them to have conducted an investigation they have to have Spoken to neighbors, friends, or associates, etc, and if they spoke with them the information Provided can not be factual. 

I DEMAND THE LISTED BANKRUPTCY BE REMOVED FROM ALL CREDIT REPORTING AGENCIES!!!!
Complaint sub-issue: Old information reappears or never goes away

I have contacted XXXX, Equifax and XXXX over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. I am hoping you can assist with this issue with the credit reporting agencies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights : XXXX XXXX XXXX XXXX : {$100.00} Opened : XXXX XXXX  15 U.S.C 1681section 602 A. States that I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information is not mine

I disputed unauthorized inquiries with Equifax that were not made by me on my report and I have not heard anything back from them regarding this matter
Complaint sub-issue: Information belongs to someone else

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Complaint sub-issue: Their investigation did not fix an error on your report

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. 
XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.
Complaint sub-issue: Didn't receive enough information to verify debt

I tried on multiple instances to settle both accounts, I have sent several settlement letters to PRO-COLLECT for a settlement of claims for both XXXX XXXX  and XXXX XXXX. I have failed to receive a timely correspondence to those settlement offers. 

I am not stating that this Debt is indeed mine.
Complaint sub-issue: Information belongs to someone else

A delinquent mortgage belonging to my estranged husband was added to my credit report on XX/XX/XXXX by Loan Care ( XXXX ). I am not nor have ever been a Co-Borrower or Co-Signer on this account. He has had this loan since XX/XX/XXXX. Now that he is delinquent Loan Care has reported this account illegally to my credit report. My score has dropped 70 points. I called to discuss on XX/XX/XXXX when I discovered this error and was told the first time that this was not their error and that I had to dispute with the credit bureaus myself. I called again on XX/XX/XXXX and was told that I was not in their system as being on the loan and to submit an email to customer service. I submitted an email on XX/XX/XXXX along with 2 Credit Reports showing the negative account on my credit reports where I was listed as a joint mortgage holder. I received a generic response with a ticket number. I called on XX/XX/XXXX and was told that because I was not on the loan as a co-signer or co-borrower they could not discuss with me. If no one from Loan Care will speak with me or acknowledge that there is an error how do I get this delinquent mortgage off of my credit report?
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 


DEPTEDXXXX  XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$3100.00} ; DEPTEDXXXX  XXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXX Balance Owed : {$2900.00} ; DEPTEDXXXX  XXXX Balance Owed : {$5000.00} ; DEPTEDXXXX XXXX Balance Owed : {$7900.00} ; DEPTEDXXXX  XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$2300.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4000.00}