Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After reaching out to XXXX about an unauthorized inquiry that appears on my Equifax credit report, on XX/XX/2022 I mailed to Equifax a dispute letter advising that the following inquiry was not initiated by me : XXXX I also included with this letter is a copy of the Federal Trade Commission affidavit . 
On XX/XX/2022 I submitted a complaint to the cfpb. Equifax responded requesting me to verify my identity. 
On XX/XX/2022 I mailed to Equifax the following items certified : identity verification documents the dispute letter a copy of the ftc report After the 30 day investigation Equifax has not removed this inquiry from my credit report. This will be my fourth attempt seeking a resolution from Equifax for this issue.
Complaint sub-issue: Account information incorrect

I have submitted prior complaints to the following : XXXX XXXX XXXX still is reporting to the credit bureaus this collection account that they said they ordered removed from the credit bureaus on XXXX XXXX. ( See prior complaint XXXX ) Therein XXXX XXXX XXXX stated on record they ordered the removal of this account from all Credit bureaus and 10 days elapsed and XXXX XXXX is still reporting on the credit bureaus despite the fact they voluntarily ordered the removal of this entry on my credit reports, and XXXX days later it is still static in my credit report, see attachments, and whereas supporting documents, see attached, shows they concealed information that proved data they were reporting was invalid including the initial default data which was a year earlier than they were reporting, knowingly, as they documents attached came directly from XXXX XXXX XXXX, and XXXX days later this entry has not been removed from my credit report as they said they ordered 10 days ago. 

I demand consumer finance make record of this and further demand consumer finance demand all credit bureaus to remove this entry immediately as this process and complaint has not been resolved and I continue to be damaged everyday this stays on my credit reports. 

I demand consumer finance to make in inquiry into this matter as it remains unresolved thus far and since the first complaint I made regarding this matter. 

Documents attached show that XXXX XXXX deliberately and maliciously concealed data and manipulated their paperwork as to confuse anyone that would look at the paperwork and not understand how their figures and dates balances out. 

You can review the attached documents and it clearly proves deception on the part of XXXX XXXX XXXX and I demand action be taken immediately! 

Equifax, XXXX, and XXXX continues to post this bogus data even after the same documents were provided to them and they claimed an investigation occurred but could not have if they actually read the documents provided to them. 

This has become a circus of events and I demand a thorough inquiry into this complaint.
Complaint sub-issue: Old information reappears or never goes away

What continues to happen is that an old collection from XXXX XXXX XXXX ( which I have no knowledge of ), keeps transferring from agency to agency, who then illegally " re-age '' the debt and place the debt back on my credit report as if it is new. Firstly, the debt, from my recollection, first appeared as much as 7-9 years ago. This alone makes the debt beyond the stature of limitations for collection. This re-aging has occurred before and I had to take steps to have the item removed, only to have it re-appear on XX/XX/20. Previously, the debt appeared under " XXXX XXXX XXXX '', among others. Please take action to notify the company that such re-aging actions are illegal under FCRA, FTC and CFPB laws. This latest instance has lowered my credit scores by nearly 90 points. 
I receive repeated attempts daily from various area codes but rarely a message is left. This appears to be a {$100.00} debt as reported and these companies are freely and repeatedly violating the laws
Complaint sub-issue: Account information incorrect

XXXX  XXXX XXXX  is reporting late payments to all three credit bureaus euquifax, XXXX  and XXXX. I have never been more than 30 days late on my credit card bill this could be an error the months and year it was reported were XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2019
Complaint sub-issue: Their investigation did not fix an error on your report

Between the dates of XX/XX/XXXX - XXXX, XXXX three unknown inquiries were made on my XXXX credit report. These inquiries included XXXX XXXX XXXX, Corelogic Credco, and XXXX XXXX. From this time through XX/XX/XXXX and again in XX/XX/XXXX Ive made several attempts to reach out to each company, each noting that they are unable to locate accounts in my name or social security number with their company or related services. I was told to reach out to XXXX to have the inquiries removed. Several calls were made to XXXX who explained that the companies must provide notice of no accounts. Calls were made to the companies. One of which, XXXX XXXX XXXX, who recently provided documentation stating no present accounts or contact with the company therefore recommending XXXX to remove the reporting. One company Corelogic has failed to respond to attempts for assistance. XXXX explained that XXXX   must initiate this fraud inquiry. XXXX  says XXXX must do so in order to investigate. XXXX says the concern must go through the fraud dept. but can not be investigated as fraud if no account has been identified. In this time I learned that disputes can be filed with XXXX online. This was done in XX/XX/XXXX but again they were unable to resolve the issue. I learned that XXXX actually makes no calls to the companies, rather they just look at the reporting and deem it factual. They again asked for notice from the companies. 
As aforementioned I was able to get a notice from XXXX XXXX XXXX, clearly stating the inaccuracies and need to remove the inquiry. This was faxed ( as their website did not allow uploads despite what it says ) to XXXX in early XX/XX/XXXX but they again rejected the dispute and deemed the reporting factual despite the company providing the notice that they stated was required. These three false and inaccurate inquiries remain on my credit report going on 2 years and no one seems able to help.
Complaint sub-issue: Public record information inaccurate

There is a tax lien that was paid and canceled with the state of Georgia in 2013. I have the letters from XXXX County Georgia Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize any of these companies listed below to pull my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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. XXXX  Account # 1234, 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. 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: Account status incorrect

In XXXX of 2017, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.
Complaint sub-issue: Debt is not yours

I am writing this complaint to remove 3 inaccurate and fraudulent accounts from my credit report in the amount of {$220.00}, {$130.00}, and {$120.00}. Enhanced Recovery Company LLC continues to report false and unverifiable debts to the Credit Bureaus. This company continues to violate the FCRA AND FDCPA laws and regulations. Enhanced Recovery failed to contact me about the supposed debts before placing it on my credit report. I have NEVER done any business with this company. I have not requested, received, accepted or utilized any goods, tasks, or services with them. I have no contract with Enhanced Recovery Company, verbally, written, expressed, or implied. Through certified mail, I have repeatedly requested chain of custody. This company has failed to provide me with an original contract bearing my signature with specific dates, as well as proof of their authority in this matter. Enhanced Recovery has failed to provide ANY documents proving that this debt is within statue of limitations. They have failed to provide all purported assignments, sales, and/or transfers of the alleged account and debt in question, a verified itemized statements of all services, money, property, or insurance. In summary, Enhanced Recovery Company has failed to provide all documents that they intend to rely upon as proof should this action end up in a court of competent jurisdiction. They havent provided EVIDENCE to prove this accounts accuracy. I ask that they close the account, remove the item from my credit reports, and do not resell it.
Complaint sub-issue: Attempted to collect wrong amount

The company is openly pyramiding late fees. I am attaching a printout of their most recent email to me. I would have appended this to the Complaint I have already filed but was unable to do so.
Complaint sub-issue: Problem with statement of dispute

I have this item on my credit report reporting from Equifax through XXXX XXXX via XXXX. I have no knowledge of this collection item I donot and have not had an account with XXXX in the past. I requested proof that this account belonged to me on XXXX different occasions and none of Equifax 's response including how they determined the debt belonged to me. Their response is always the same Verified but never how they verified the debt.i asked them to verify that this item actually belonged to me along with how they determined that and that completely ignore my request. I am asking that they remove this item from my report as they have not provided me with proof of an investigation. That 's complaint number 1. Complaint number 2 is they have a address reporting on my credit report that never belonged to me upon their XXXX different investigations they said they were going to delete it but they never did. Complaint number 3 I previously had. A case open with the you ( cfpb ) case number XXXX the results needs with XXXX agreeing to delete the account from my credit report since then it 's been deleted from transunion and experian but Equifax refuses to delete. Even after sending them a copy of the letter it still comes back as verified. Equifax is causing me to have significant problems with obtaining new credit because of the innacuracies that they are reporting. I want them to delete these XXXX disputes from, XXXX XXXX XXXX, XXXX XXXX and the innacurate address listed as XXXX XXXX XXXX XXXX XXXX Pa XXXX.
Complaint sub-issue: Information is not mine

Family with similar names and SS that only changes by XXXX-XXXX digits. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months go back to square one. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market.
Complaint sub-issue: Information belongs to someone else

In XXXX my wallet was lost or stolen. In XXXX I found multiple accounts on my credit that were not mine. I resided in XXXX Texas at the time and filed a police report and a complaint with the FTC and forwarded the documents to the credit bureaus. Equifax and XXXX have both refused to remove the fraudulent accounts. In early XXXX I started receiving alerts that my social security number was found on the dark web. I contacted XXXX and Equifax again to notify them of this and again they failed to protect me as a consumer and by placing a fraud alert on my credit profile and removing the accounts. The XXXX POLICE DEPARTMENT POLICE REPORT NUMBER IS XXXX this report was filed in XXXX and provided to both Equifax XXXX & XXXX at that time Ive attached all of the paper trail for this for review and below each account is listed that does not belong to me and is a result of identity theft. 15 USC 1681 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 a account without my written instructions. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Reported By XXXX  XXXX  XXXX Reported On XX/XX/XXXX Account Balance {$1700.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I sent discover a validation of debt and cease & desist letter on XX/XX/2021. Discover received the letter on XX/XX/2021. They only sent account " statements '' They never sent me actual validation of the DEBT. They violated me under the federal consumer protection laws. There are 5 requirements to validating debt under 15 USC 1692g.
Complaint sub-issue: Information belongs to someone else

To whom it may consern : I have been victim of identity theft, an account is showing in my credit report that does not belong to me, I'm taking the steps available to me to remove this account from my credit .An FTC report had been filed, ID, SS card and a bank statement are attached to this complaint. 
Please remove this fraudulent account from my credit report. 
Thank you.
Complaint sub-issue: Account information incorrect

XXXX XXXX  XXXX is reporting incorrect information to my credit report. 
- Last Reported dates are different on report -Comments are not complete -Date last active are different -Two year payment history are incomplete
Complaint sub-issue: Debt resulted from identity theft

I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
Complaint sub-issue: Information belongs to someone else

it has been over 45 days since i have sent equifax a copy of my ftc report. my information was stolen and was used to try to obtain goods, and credit in my name. though these attempts were unsuccessful, my credit report is now filled with tons of fraudulent inquires from the attempted fraud. i was instructed by my local police department to file an federal identity theft report, and submit it to the credit bureaus which i did, XX/XX/2020 certified mail by the us postal service. to this day i have yet to received anything from equifax regarding these fraudulent inquires. i will attach a copy of my identity theft report, along with my drivers license, and social security card, for identity verification
Complaint sub-issue: Account status incorrect

Ally Financial was contacted most recently via the XXXX  on XX/XX/XXXX requesting that my credit file be corrected. This is the second complaint filed. Ally despite ph and written communication on XX/XX/XXXX refuses to both correct my credit file and communicate with me the consumer. 
They have ignored multiple notifications that i am no longer being represented by an attorney and send all communication to my former attorney as a violation of my privacy and dependence on someone besides the creditor notifying the borrower. This means a violation of my privacy. This last unscrupulous act which has led to this complaint was a letter received by my former attorney where the document was not sent and an email saying to notify Ally financial that they no longer represent me. 

At this point I am throughly at my wits end in dealing with Ally Financial who from XX/XX/XXXX to this day has defiled my name, ignored a court judgement issued by XXXX County VA in XX/XX/XXXX, and who has reported incorrectly on my credit report. 

I seek your assistance in resolving this matter
Complaint sub-issue: Public record

My husband and I filed a chapter XXXX bankruptcy in XXXX. The original case was dismissed because our attorney did n't follow proper procedure. The case was reinstated under a different case number and the case discharged in XXXX. In XXXX the dismissed and discharged cases fell off our credit report as they should have after 7 years. 2 years later the dismissed case has come back onto our credit report for Equifax. Equifax is refusing the delete this public record from our credit report.
Complaint sub-issue: Information belongs to someone else

There are two accounts listed on my credit that is not my account. I don't have any contract nor have I sought services for it.
Complaint sub-issue: Account information incorrect

I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on Lexis Nexus. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.
Complaint sub-issue: Contacted your employer

Loanme is using a debt collector called XXXX XXXX. They are harassing my wife, parents, and work with phone calls.
Complaint sub-issue: Was not notified of investigation status or results

I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX  XXXX has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all XXXX credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX   and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX  XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Citicard allowed my credit card to be used over the credit limit they set. Then instead of allowing me to pay my original minimum payment they are requesting I pay the minimum in addition to the over the credit limit amount.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have requested multiple times proof of how much the vehicle was sold for during auction. I have not received a response or call backs. Im requesting this account to be removed from my Equifax and XXXX  as the amount they are requesting is not valid.