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

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent a letter to Equifax in regards to inaccurate accounts on my credit reports. in my letter, I requested that Equifax send me documentation such As a contract that tied me to this account or delete them from my credit report. It has be over 30days and they have not supplied me with the results of the investigation. Therefore I am asking that these false and inaccurate/ unverifiable items be removed from my report. I am demanding that the following unverifiable accounts be removed from my report Since Equifax has failed to furnish the results of the investigation in the timely manner regulated by law : The following account is not mine XXXX  XXXX XXXX  XXXX XXXX Account Number : N/A Please remove it from my credit report. 


2. The following account opened XX/XX/XXXX is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account opened XX/XX/XXXX is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4.The following account opened XX/XX/XXXX is not mine XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5.The following account opened XX/XX/XXXX is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7.The following account opened XX/XX/XXXX is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


8.The following account opened XX/XX/XXXX is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


9.The following account opened XX/XX/XXXX is not mine DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report 9.The following account is not mine XX/XX/XXXX is not mine. 
DEPT OF ED/XXXX  Account Number : XXXX Please remove it from my credit report 10. The following account is not mine XX/XX/XXXX is not mine. 
CHILD SUPPORT ENFORCEMENT Please remove it from my credit report 11. The following account is not mine XX/XX/XXXX is not mine. 
US DEPT. OF EDUCATION/XXXX  xxxxxxxxxxxx XXXX Please remove it from my credit report
Complaint sub-issue: Information belongs to someone else

15 US Code 1681b-The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
-This congressional law clearly states that the consumer report agencies compile information for the purpose of furnishing consumer reports to third parties. So this company is in fact the furnisher of my consumer credit report, which I never gave written instructions. By law they must have written instructions from the consumer to furnish any information pertaining to my private information. This information that is being assembled and evaluated is not public accessible so therefore my right to privacy is also being violated. 
15 U S Code 1681b ( 2 ) permissible purpose of consumer reports- In accordance with the written instructions of the consumer to whom it relates.

15 U S Code 1681b ( 3 ) states to a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer 15 US Code 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. With these laws stated you can see how this company is breaking the law by furnishing, assembling or evaluation my consumer information without my written consent or instructions. My private information, which are also identifiers, are furnished by this consumer reporting agency. I demand that this company cease and desist from reporting the following negative accounts on my consumer credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all fed loans and us department of education accounts XXXX and XXXX XXXX XXXX. These accounts are to be deleted immediately upon receiving this. I
Complaint sub-issue: Information belongs to someone else

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your Equifax. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Complaint sub-issue: Information belongs to someone else

The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account XXXX  account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly for this.
Complaint sub-issue: Debt is not yours

In late XXXX I started receiving collection notices from Afni / XXXX about a bill I didn't incur with XXXX. I called numerous times indicating to them that the debt was not mine. I sent a certified letter in XXXX to them contesting the debit and requesting more information. They responded by sending the bill. I called and confirmed that the debt was not mine. I thought the matter was resolved until I started receiving collection notices from XXXX XXXX. Today I am sending out another certified letter contesting the debit
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX rented or leased me a storage unit that leaked water during rain. 

When discovered, I moved out of unit. 

XXXX XXXX notified me that I still owed {$140.00} for being in leaking unit ( 2 ) days of the following month. 

The debt was turned over to a collection agency named, AlliesInterstate, LLC. 

Upon contact with this agency, I was offered a {$70.00} payment to settle the {$140.00} claim and I accepted and paid by credit card. 

Upon renting another unit at XXXX XXXX, I was required to pay the remaining {$70.00} of the {$140.00}. 

AlliesInterstate lies to me and misled me as to the settlement terms.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Late Close XXXX  XXXX XXXX {$0.00} Collection XXXX XXXX XXXX  ( Original Creditor : 09 XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}
Complaint sub-issue: Information is missing that should be on the report

My Macy American Express account is not reported to XXXX and XXXX and I would need have this account reported back to the credit bureau and then I will pay the full balance at local Macy mall in my city to continue the relationship with Citibank thanks
Complaint sub-issue: Received bad information about your loan

I graduated from XXXX on XX/XX/2019. I was supposed to be in a 6 month grace period until payments start. I am also a transfer student and begin XXXX College for more than 1/2 time on XX/XX/19. Unfortunately, FedLoan ignored the grace period and has been harassing me since I graduated and demanded payments begin on XX/XX/2019. My mom, XXXX XXXX SS # XXXX, also has a ParentPlus loan with FedLoan and she is having the same issue so I am filing this complaint for both of us. 

I have updated my " transfer '' status numerous times beginning on XX/XX/2019 only to receive the following response : " Thank you for using the school/grace update feature! 
Generally, we receive weekly updates from your school automatically, but it may take some time for your in-school status to be confirmed. This update can happen before you start school or in some situations not until you've already started your new classes. 
If we don't hear from your school closer to your class start date, we will follow up with you to provide next steps if needed. '' I have also followed up with an email explaining my situation ; however, I have never received a reply to my emails to customer service : " XXXX Thank you for contacting us! 
We received your School Enrollment Status question, and will get back to you as soon as possible.In the meantime you can review your account details through Account Access. '' My credit report has been affected. Bottom line, regardless of my school notifying FedLoan, I was  supposed to be in a 6 month grace period and FedLoan completely disregarded. Not to mention, XXXX has notified FedLoan that I  transferred to XXXX and will begin school on XX/XX/2019.
Complaint sub-issue: Debt is not yours

PDQ SERVICES Are reporting inaccurate information on my credit report I am not familiar with this company dont have any debt with them I contacted this company and they would only transfer me to dead air calls or have me on hold and still not able to give me any explanation. They are reporting incorrectly on all three reports.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXXXXXX XXXX XXXX XXXX  acc XXXX XXXX Bankruptcy chapter 13 reference # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: No notice of investigation status/result

I HAVE BEEN DISPUTING WITH EQUIFAX OVER A UNAUTHORIZED/FRAUDULENT CREDIT INQUIRY FROM XXXX SINCE EARLY 2016 AND EVERYTIME THE SAME STORY, THE RESULTS ARE { FACTUAL } RECORD ON FILE. I 'VE LOST TRACK ON HOW MANY TIMES I 'VE DISPUTED THIS CREDITOR WITH THEM BY PHONE/FAX AND EMAIL AND NOTHING HAS BEEN DONE. XX/XX/2016 I SENT XXXX A LETTER MY SELF TO DISPUTE THE INQUIRY AND THE XXXX MAILED ME A LETTER CONFIRMING THAT THEIR INQUIRY WOULD BE REMOVED OFF MY CREDIT REPORT FROM EQUIFAX. I 'VE SENT IN THE LETTER FROM XXXX AND MY LETTER WITH THE PROPER DOCUMENTS AND THATS WHEN I RECEIVED THE NEWEST CREDIT REPORT BACK FROM EQUIFAX SAYING THAT THE INQUIRY IS FACTUAL!!!!! RECORD ON FILE.
Complaint sub-issue: Other problem getting your report or credit score

I have repeatedly tried to access my online Equifax report to file disputes to have fraudulent information removed. My access has been blocked, claiming my information was not correct. I have tried to log in multiple times in the last week to week and a half. 

my information is correct and i have never had any issues logging in until the previous dispute i filed was resolved in my favor and fraudulent items were removed. 

i am a victim of identity theft and Equifax is intentionally blocking access to my file. When I called, i was informed that i could only view results electronically. I was told at first, that there was no technical support department, and then after speaking with a supervisor was told there IS a department but they do not take calls. They told me that it was a temporary error " while they fix their system ''. I highly doubt their system has been " down '' this long. 

I WILL also be filing suit in XXXX XXXX court. this is a gross violation of the state and federal consumer protection laws regarding credit report access and dispute resolution.
Complaint sub-issue: Account terms

Ok my name is XXXX I 'm not XXXX that 's my sisterlaw by marriage and some accounts doe'st belong to me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX  XXXX AUTO XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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: Account status incorrect

I voluntarily closed my XXXX XXXX  XXXX Card account and I need it marked as CLOSED BY CONSUMER on the normal XX/XX/30 reporting date but if not immediately thereafter as it would be a willful FCRA violation to wait until XX/XX/XXXX or XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Car was my moms not mine and still showing on my credit history. Called XXXX multiple times and keep getting the run around. They called and harassed me many times and I had to change my number.
Complaint sub-issue: Account status incorrect

My Account with XXXX XXXX  was charged off. XXXX agreed to settle my account in full for a payment of {$3300.00}. Once payment was received they agreed to report to all XXXX Credit Bureaus as a XXXX balance settled in full status. On XX/XX/2022 It was paid in full with cash at the XXXX XXXX MD branch for the amount of {$3300.00}. The teller was on the phone with XXXX representative and confirmed I paid cash and that everything was complete and settled attached I have the settlement letter and receipt of payment. I want them to Update to a XXXX balance as settled in full to all XXXX credit bureaus. They said everything cleared at the branch I dont want to wait XXXX days for an update on my credit report when they know its clear on their end.
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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 block/remove these files. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below I have already disputed with each bureau on XX/XX/2022 and XX/XX/2022 and they have not deleted the items below. 

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

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Bankruptcy Case Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against Equifax, andXX/XX/XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$240000.00} ; XXXX XXXXXXXX XXXX : {$20000.00}
Complaint sub-issue: Information belongs to someone else

On or about XX/XX/2018, I called XXXX XXXX for an auto insurance quote. The quote came back more than double my previous rate and I was told by the rep that they had pulled a LexisNexis report that showed multiple accidents accounting for the increased rate. I contacted LexisNexis and requested a copy of the report. 

The report I received from them dated XX/XX/2018 includes accidents for other individuals from other states with different dates of birth and social security numbers. I contacted LexisNexis and was told that my insurance company had provided that information to them and that I would need to contact my insurance company. When I contacted my insurance company they did not have that incorrect information and said they did not provide that incorrect information. 

I filed disputes with LexisNexis for the incorrect information and am still waiting for a response. I feel that LexisNexis should be held accountable for recording incorrect information especially when they have dates of birth, addresses, and social security numbers, all of which are easily verifiable. There is no reason for other individuals ' information to be carelessly put on my report.
Complaint sub-issue: Problem lowering your monthly payments

I attended a school that closed down and the school was not accredited I would like to know if this loan can be forgiven
Complaint sub-issue: Reporting company used your report improperly

This is regarding the Equifax data leak that occurred in XXXX 2017. The fact that I, along with over half of my fellow Americans, have had my identity stolen that can be used either now or in the future leaves a high amount of uncertainty of my financial records and credit. I demand consequences to Equifax and the executives responsible for this, as well as security on future data and personal information.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in  accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX accounts with high balances of {$4500.00} and {$500.00}, 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.