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

After reviewing my credit profile I noticed a collection from IQ Data Int.  They are collecting a debt for XXXX XXXX. per Account # XXXX I disputed this with XXXX  and XXXX  and I have not received a response from these two major bureaus. I sent a certified letter to IQ Data International per US Mail XXXX XXXX XXXX XXXX XXXX and it was returned as undeliverable. On XX/XX/2020, I contacted the company and spoke with XXXX. I explained to XXXX that they are reporting a debt I do not owe. I told her I don't no own a home or have never rented an apartment with XXXX XXXX. I asked her if she could provide me documentation of the debt which she refused. She told me to speak with XXXX the compliance manager. Over the next several days I can not get anyone to give me the information I requested. And I'm not sure if this XXXX guy exists. My research online shows thousands of complaints with this company over the same issues I'm having. I do not owe them over XXXX and this is affecting my credit scores. I never lived in the state of Georgia and I do not own a home. This is false and deceptive reporting. Please provide me with all the documentation you have with my signature proving I owe this debt. If no proof can be provide, delete this from my account.
Complaint sub-issue: Frequent or repeated calls

My complaint is againt Equifax. They were supposed to remove negative credit information off of my report although I faxed proof showing I paid the debt. I also faxed my social security card and drivers license like they told me too, but they said they never received it. They said it took 5 days for them to receive the items but done some reason my docs never reached them although I received confirmation from my fax machine. 

In addition, they said there is no way to contact anyone on the " back room '' to see if my fax was received because the manager doesn't have anyone to contact. He also told me he could not give me his supervisors information.

Lastly, they lied and told me they could remove the negative charge in 7 days after they receive my documentation. Now they are telling me its 30 days.

1 ) Equifax misplaced my private identification documents 2 ) Equifax lied about expediting the removal of negative credit information 3 ) Equifax gave me the run around when I tried to get this taken care of
Complaint sub-issue: Their investigation did not fix an error on your report

I opened a dispute with Equifax on XXXX for 2 fraudulent hard inquiries and a fraudulent XXXX XXXX XXXX loan account with a balance of {$49000.00}. Per the instructions provided by the FTC, I provided Equifax with the completed FTC Identity Theft report and copies of both the front and back of my driver 's license. After receiving no update from Equifax in the required 4 business days, I logged into the Equifax website on XXXX. Equifax removed the inquires but said they verified the account was mine with blatant disregard for section 605B of the Fair Credit Reporting Act. Unless I misunderstood the FTC 's instructions, the Fair Credit Reporting Act applies to BOTH inquires and accounts. Equifax needs to be held accountable for complying with the Fair Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX XXXX {$160.00} XXXX  XXXX {$53.00}
Complaint sub-issue: Account information incorrect

I have contacted Equifax since XX/XX/2017 to inform that multiple inquiries were showing on my credit that I am not aware of. I sent another certified letter explaining that the inquiries came back verified, so please submit proof of how this was verified. As of today 's date no inquiries have been removed from my report that I disputed.
Complaint sub-issue: Their investigation did not fix an error on your report

A debit collection company called " XXXX XXXX XXXX '' is reporting to my Equifax Credit report for a debit. They are claiming that this debit is from a hospital bill from XX/XX/XXXX and became delinquent in an or " opened '' in XX/XX/XXXX. They are telling me it will remain on my Equifax report until XX/XX/XXXX. This account is actually from XX/XX/XXXX and became delinquent in XX/XX/XXXX. This has been on my report for over 8 years any should have already been removed. I have contacted Equifax by phone, email, and US post office 7 times. They will not help and XXXX XXXX keeps reporting in Accurate information to them. Please help. 

My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Complaint sub-issue: Information belongs to someone else

I WANT THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681B I DID NOT GIVE XXXX XXXX OR EQUIFAX AND WRITTEN CONSENT TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT TO MY RIGHTS AND I AM VIOLATED I AM DEMANDING A DELETIONS OF THESE ACCOUNTS OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX XXXX XXXX XXXX reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and XXXX XXXX XXXX   multiple times to no avail.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) Dept of ED/XXXX {$6000.00} 5 ) Dept of ED/ XXXX {$3500.00} 6 ) XXXX {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX XXXX XXXX {$470.00}
Complaint sub-issue: Information belongs to someone else

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX   XXXX {$48.00} XXXX XXXX {$960.00} XXXX   XXXX {$1400.00} XXXX XXXX {$2300.00}
Complaint sub-issue: Debt was paid

In XX/XX/XXXX I had a bill for internet service settled before I moved out of my apartment. I dropped off the modem and went to the XXXX XXXX XXXX XXXX store and asked working employees if I needed to clear anything else and they said no everything was taken care of. This included any charges and anything else. 

Three years later in XX/XX/XXXX XXXX XXXX and hunter warfield who are two different debt collection agencies are asking me to pay different amounts. XXXX XXXX threatened that if I didnt pay within 40 days they could attack my credit. 

I called XXXX when I received the email from XXXX XXXX and they told me I owed money. I told them I was already disputing the amount I owed with XXXX XXXX XXXX said they were going to dispute it also but they said they would call back in three business days and they did not. They didnt have me on file for any charges and said it was waved but it showed I still owed money but couldnt find out what the charges were for and werent clear because everything was cleared? 

I am not sure how I have debt with XXXX Hunter Warfield and XXXX XXXX all at the same time for different amounts for something i never owed money on to begin with and am afraid that my credit will be attacked. 

Please help me.
Complaint sub-issue: Old information reappears or never goes away

My Student Loans totaling {$71000.00} were closed when I started receiving Social Security XXXX. XXXX reopened CLOSED STUDENT LOANS. I am XXXX XXXX. I have tried to resolve this issue with XXXX. 
I am XXXX years and I have been XXXX XXXX since XXXX. 

My student loans were closed In two parts XX/XX/XXXX, XXXX XXXX XXXX XXXX have harassed me relentlessly calling, send letters and emailing me. 


Attached are copies of closed accounts
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these unverified 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
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX  ERC collection agent I requested documentation from ERC about an Account that they are reporting on my credit report, this is my second time requesting information. ERC send me a copy of some agreement with a signature that does not belong to me. I dispute this with the credit bureaus and the claim it was verified. However, this account doesn't belong to me.
Complaint sub-issue: Account terms

XXXX rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. My insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. The hospital then sent the bill to collections. I notified the hospital & insurance company in XXXX 2016 that the bill was incorrect. 
I have maintained contact with hospital & insurance company and have been attempting to resolve the issue. In XXXX 2016, my credit score was XXXX, currently it is XXXX and continues to drop over {$100.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a XXXX credit card with XXXX Bank and they reported that I have a 30-day late payment for the month of XXXX, 2022 on XX/XX/2022. I did not miss a payment nor was I late for the month of XXXX in 2022. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by XXXX on XX/XX/XXXX. XXXX has yet to resolve the issue.
Complaint sub-issue: Account status incorrect

I have been making on time payments to XXXX XXXX XXXX XXXX 's and they are not reporting to my credit report at all. The company has been saying that they are reporting to my credit file but it is not there.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has not resolved the incorrect late reporting of XX/XX/XXXX for mortgage account with XXXX XXXX XXXX. I have submitted an earlier investigation on XX/XX/XXXX with no change in reporting. I have just reopened another unnecessary investigation as XXXX has already acknowledged there was no late reporting on XX/XX/XXXX.
Complaint sub-issue: Debt was paid

I received debt collection notices for medical bills that were not properly due. The insurance company was still reviewing the claims when I received the notice and the insurance company did pay the claims, resulting in a credit on my account with the hospital. Several weeks after the credit was applied to my account, I am still getting notices from the collection company, although the hospital agrees that there is no debt due and instead there is a credit on my account. I called the collection company and they were not very helpful and do not seem to be able to work with the hospital to clear the account.
Complaint sub-issue: Information belongs to someone else

I recently filed a report with XXXX  XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing items on my credit report without any response or update from the credit bureaus. My rights have been violated and I should be compensated for their neglect to do a timely investigation per the FCRA.
Complaint sub-issue: Company closed your account

In XXXX of 2021 I sent DISCOVER an Affidavit regarding a billing error notice pursuant to 12 CFR 1026.13 and the affidavit was unrebutted. An unrebutted affidavit stands as truth in commerce. Following this DISCOVER took adverse action against me by lowering my credit limit and closing my account with no explanation. According to 15 U.S. Code 1681m - Requirements on users of consumer reports ; they are suppose to provide full disclosure of this action. Prior to closing my account DISCOVER refused to credit my account when full payment was sent by accepting the coupon for value that was attached to the statement, they failed to honor the remittance coupon and failed to dishonor the coupon. Since closing my account DISCOVER has continued to charge interest fees and has also continued to withdraw payments from my bank account. This is a very serious matter and if not resolved will result in further escalation to the FTC and State Attorney General. I was never given full disclosure regarding this extension of my consumer credit and was lead to believe that I owed payment and once I asserted my rights as a consumer DISCOVER retaliated against me by closing my account. Furthermore HJR-192 prohibits payment of debt and substitutes, in it's place, a discharge of an obligation.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute last XX/XX/2021 with the credit reporting agencies in regard to inaccurate information reporting on my credits reports. I never received any notification in regards to the investigation results. It has been over 44 DAYS. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear EQUIFAX MORTGAGE SERVICES : You have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for you, EQUIFAX MORTGAGE SERVICES, was placed within my credit file on XX/XX/2021. The Act specifies that you must document your reasons for requesting my report and, when in error, remove them as well. I am depending upon EQUIFAX MORTGAGE SERVICES to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove this offending inquiry as soon as possible. 

Yours truly, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX and I have been a victim of identity theft since 2012. I took it upon myself to turn in all documents related to my identity theft to send to the three major credit bureaus to prove a solid case against items continually showing on my credit reports. This process goes as far back as XX/XX/XXXX. Since then Equifax has completely mixed my file with other individuals resulting in over 36 negative accounts being added to my report and causing a very depressing drop in my credit. Each week Equifax would report a new item being removed but it would still remain, this makes my score down even more. I've sent documents certified mail, I've called and Emailed and now, reports that have been removed just keep reporting. Something needs to be done immediately as this is sending me to suicidal thoughts. If an item has been removed and proof was giving, how can they keep reporting inaccurate information? That is illegal and I am ready to file a complaint and sue. I have been XXXX due to not being approved for housing because of negative items that have been proven aren't mine but continue to be reported. I am not at all ok. XXXX  and XXXX  are doing the same exact thing. Removing accounts and stating they are blocked but reporting them every month even when it's proof they have been removed but put back on. This is illegal and I want to sue them all.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with EQUIFAX about them reporting a bankruptcy on my credit report that does not belong to me. XXXX  list XXXX as the 3rd party consumer reporting agency that provided that incorrect information. I reached out to XXXX about that bankruptcy reporting after my dispute with them and XXXX sent me a letter stating that as of XX/XX/2022 they have removed my disputed bankruptcy information from my file. I have attached a copy of that letter to this complaint for your records. Please remove the bankruptcy listing from file and all accounts listing incorrect information from a bankruptcy. If this information is not removed with in 30 days of this complaint, as I am a litigious consumer and I will not hesitate to file a suit in court for damages per the Federal Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I still can not view my correct Equifax credit report online.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to get this issue resolved for months. The last dispute I sent in because I used proper English and explaining the problem in detail it was marked as using " credit repair '' and was not completed. I am not using any type of service I just want my report to show correct information. I am once again disputing these two accounts from XXXX account number XXXX {$40000.00} & XXXX account XXXX {$3200.00}. These are not my accounts and I don't know who they belong to. The other bureaus have already deleted these accounts from my credit report & this is the only credit bureau that is not removing fradugelent information from my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My girlfriend used my Macys credit card to purchase some gifts for XXXX on XXXX XXXX XX/XX/XXXX XXXX. I did not like the clothes purchased, so I returned them to a Macy 's store in XXXX XXXX, Fl on XX/XX/XXXX ( jpeg of return from Macy 's website attached ). I received a credit of XXXX}. The return should have been credited to my Macy 's credit card and my next bill would reflect the credit and be accurate. I am on my Macy 's account and clearly see the return was processed and is on their own website ( attachment below ) But the credit card was never credited. I have my XXXX statement attached showing the purchases and then my XXXX statement showing no credit and no credit on any subsequent statement from XXXX through to XXXX. I first called about this issue in XXXX and told it was resolved and the returns would be credited to the credit card. In fact, I complained and said they owed me a gift card. They actually sent me an email with a promo card saying sorry in the email and so I thought the whole thing was done. Except I keep getting Macy 's Credit Card bills in the mail saying I owe money and they are charging me interest charges and late fees. This is going on my credit report while I'm in process of buying a home. Its incredible. I called again today XX/XX/XXXX to find out the problem and dealt with Citibank who manages the Macy 's Credit Card ... the representative says they have no record of the return or the credit for the return. I was transferred to Macy 's billing and credit and the representative said they had no record of any return. I made the rep stay on the phone as I told her I was reading right off the Macy 's website showing the return was posted right on my account!!! She lied to my face. She said without a record or a receipt should could not and would not help me. Macys has registered my return, but they refuse to credit the return to my Macy 's credit card therefore my credit card is racking up charges for something that I purchased and have returned. They refuse to help me.
Complaint sub-issue: Received bad information about your loan

As cosigner of three student loans I am unable to be released after submitting the proper paper work.  There have been no late payments on the loans and no credit issues that would prevent release.  Sallie Mae is simply denying release.  They will not even consider one of the three loans.
Complaint sub-issue: Account information incorrect

I tried to dispute some items on the credit report. The are violating my Rights.
Complaint sub-issue: Reporting company used your report improperly

My data was not properly protected by Equifax and I am now at risk for identity theft.