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

I have contacted Equifax a few times to solve this issue and they have not solved this, i keep getting the runaround i need this fraudulent inquiry off my report i did not authorize lowes or anyone to apply for a credit card in my name!
Complaint sub-issue: Problem with statement of dispute

I disputed these inquiries because I did not authorize them. I had them investigated by XXXX and equifax responded by saying they were factual. I would like to know how they found out that these were factual and how their investigation was completed.
Complaint sub-issue: Attempted to collect wrong amount

IC systems is attempting to collect a past due amount on a PRE PAID XXXX  ( XXXX  XXXX  ) account. There was no contract on said account. IC Systems put 120 day delinquency on my credit rating
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX  XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX  XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX  XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX  XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Complaint sub-issue: Debt was result of identity theft

To whom it may concern, I am writing to delete the following information in my file : ENHANCED RECOVERY CO L XXXX It shows that this account was opened in 2018. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Complaint sub-issue: Account information incorrect

Equifax is currently violating FCRA by reporting false and inaccurate information. On my recent Equifax reports the XXXX Bank account XXXX XXXX reporting different information on the XXXX XXXX XXXX Payment amounts don't match on Equifax Credit Report XXXX XXXX to Equifax Report XXXX XXXX The Actual Payment Amounts '' don't match '', The Scheduled Payment Amounts are different. This a violation of the Fair and Accurate Transaction Act.
Complaint sub-issue: Investigation took more than 30 days

I asked Equifax and XXXX XXXX to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.
Complaint sub-issue: Their investigation did not fix an error on your report

Please notify all Bureaus such as Equifax, XXXX, and XXXX to remove this account from my Credit Report.
Complaint sub-issue: Personal information incorrect

I received at the beginning of the year a copy of my consumer report, I noticed that all of my personal information was incorrect I sent out a personal letter to update my information on XX/XX/2022 Certified mail with return slip, Credit reporting bureaus received my letters on XX/XX/2022 & XX/XX/2022. I then started my account with XXXX XXXX  to keep up with my consumer report on XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. On XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. 
Now this month I look at my consumer report and it is still incorrect XX/XX/2022 ACCORDING TO 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Which they violated Certified mail # Equifax : XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX
Complaint sub-issue: Account information incorrect

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection company by the name of Bureaus Investment Group.

This Bureaus Investment Group continues to slander my credit by placing collection accounts onto my credit files that they never verified prior to placing these fraudulent, false accounts onto my credit files.

As previously stated, Bureaus Investment Group never verified the collection accounts that they have placed onto my credit files, and they know that what they have done is unlawful.

So now Bureaus Investment Group is resorting to passing off these collection accounts to other collection agencies, such as a XXXX XXXX XXXX XXXX XXXX XXXX, etc. 

Bureaus Investment Group claims to have acquired the accounts from XXXX XXXX, and this Bureaus Investment Group never contacted me to verify the debts. 

Last year when I requested copies of my credit reports from the credit bureaus, this is how I found out about these collection accounts being placed onto my credit files. 

Since last year I have disputed these wrongful collections against XXXX XXXX, and I have also disputed these wrongful collections, against Bureaus Investment Group.

And although Bureaus Investment Group knows that they unlawfully placed these collection accounts onto my credit files, they have refused to remove them.

Between both, Bureaus Investment Group, and XXXX XXXX, they are both listed on my credit files for the same wrongful collection debts, and due to this, my credit files are being slammed twice for these unlawful collections that I did not run up, nor owe. 

Both Bureaus Investment Group, and XXXX XXXX  are intentionally making sure that they maliciously destroy my credit score, and rating. 

They have both, falsified status dates, on the collections that they have placed onto my credit files, such as activity in XXXX, and XXXX. 
They have done this so as to make it seem as though these are present debts that I have acquired, and that I have recently done business with XXXX XXXX, which is a lie. 

I have had nothing to do with XXXX XXXX  going on almost two years. All of the status information that both XXXX XXXX, and Bureaus Investment Group are placing onto my credit files is unlawful, as well as untruthful.

I want all communication from Bureaus Investment Group to go directly to the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me.

I want Bureaus Investment Group and its collection cohorts, to Cease and Desist from slandering my credit, as well as harassing me, I want no contact from them.
Complaint sub-issue: Account information incorrect

As of XX/XX/2022 XXXX XXXX  closed an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the Executive Customer Relations department XXXX XXXX XXXX but she has yet to respond to me.
Complaint sub-issue: Reporting company used your report improperly

My vehicle was a voluntary repossession in XXXX. The company has continued to report late payments and repossession status on my credit for at least the last 24 months. The same company has also recently and fraudulently pulled my credit as it was done without my consent. There is an inquiry on my credit report from them dated for XX/XX/XXXX. The vehicle was returned to them in XXXX. I only consented to have them access my credit during the application for the auto loan in XXXX. No there time have I ever consented to them accessing my credit. The fraudulent activity has had a negative impact on my credit for the last 4 years. In addition to the items list above, the balance listed on my credit is also incorrect as the vehicle has been sold in an auction in which the company was able to recuperate a portion of the balance of the loan.
Complaint sub-issue: Reporting company used your report improperly

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

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 


15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions.

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Debt is not yours

XXXX XXXX sent an account to collections which has been attached to my credit in error as it is not my account. The account was sent to IC System for collection and currently has a balance of {$1300.00}. I spoke to IC System on XX/XX/2022 and they provided me with the XXXX account number, the name and spelling of the customer, the service address and the service dates. They told me that I needed to file a fraud report with XXXX XXXX. I do not believe that this is fraud because the agent I spoke to at XXXX XXXX on XX/XX/2022 said that there was no social security number used to open the account they are attempting to collect on. The name on the account that they are trying to collect on is pronounced the same as my first and maiden last name. However, the spelling of both the first and last name of that individual are different from mine. The service address is in a state which I have never lived. Now I am being burdened with filing a police report and getting a fraud report notarized in order to have this removed from my credit. It seems that they randomly selected someone with a similar name to collect the debt from. I was never contacted in an attempt to collect on the debt. I was only made aware when I received an alert from my credit card company.
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 information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX If XXXX credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/18 an inquiry was made on XXXX by a firm called XXXX XXXX and on XX/XX/18 on Equifax by a firm called XXXX XXXX . I have since found out this is the same company. I contacted XXXX  I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative XXXX XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX is, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Was not notified of investigation status or results

I recently just took a look at my credit report and I see some items on there that I do not recognize.
Complaint sub-issue: Can't stop withdrawals from your account

my account was hacked PNC, in XXXX, I was contacted by phone that my payments was not received. I contacted the bank and was informed that I had submitted a claim on-line I informed them that I never requested anything. I have been trying to get this resolved. But however, the Bank keeps sending My money to the Merchants and taking my money from the account. They asked for proof that I paid out of pocket. I have sent them a copy, and they still keep refusing to return money back in my account. I keep filing disputes for them to return my money but have not received anything. This is my last resort to file with this company. I am so exhausted and tired of fighting to get my money back from PNC. please help me with the Issues XXXX and PNC Bank. They keep reversing the provisional credits and accessing me overdraft and sending my money back to the Merchants. Refuse to speak with me and informing the representative what to tell me. I have not gotten a call or nothing, I have requested someone from that department call me, I am still waiting.
Complaint sub-issue: Investigation took more than 30 days

New information I sent a debt validation letter on XX/XX/22 the alleged debt amount is {$800.00}. I was never notified as a consumer that this debt was sold or transferred to a debt buyer/debt collection agency. This is a violation of my consumer rights per FCRA, FCDPA. The notice that I received in reference to this alleged debt is not considered a validation. I also noticed on this form it shows a car that I never owned. Thats considered Fraud. I been disputing this account over a year and this is the first time receiving what they considered debt validation. Please see 15 USC 1681. Your company has violated my consumer rights.This account was deleted and put back on without notifying me as a consumer. XXXX XXXX XXXX letter dated XX/XX/22 which is also a violation.This is a violation and I will be seeking remedy.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

The credit information being reported is NOT accurate : 1, The date of the debt and/or collection is not correct 2. The amount of debt is not correct 3, The debt was incorrectly billed to me without my knowledge or authorization 4. Service was not delivered and/or was defective 5. Billing error - should have billed to insurance 6. Subsequently billed to insurer 7. Subsequently paid by insurer
Complaint sub-issue: Their investigation did not fix an error on your report

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX. ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Complaint sub-issue: Reporting company used your report improperly

I am requesting a letter with method of verification for verifying a bankruptcy from XXXX, XXXX  and Lexis Nexis. I need to know how XXXX, XXXX and Lexis Nexis verify a bankruptcy before they add the information to an individuals credit report.
Complaint sub-issue: Debt is not yours

I have just entered escrow to sell my home and discovered that Citibank has two illegitimate liens on my property. The credit card debt that the liens referred to is not mine. 
I have made several attempts to get Citibank to provide me with Release of Lien documents for me to provide to the title company, and they have not done so. Further, they have not responded to me regarding this issue or the supporting documents that I have provided. 

I am the sole owner of this property and debtor did not at the time, and does not now have an interest in the property. He did live at the property for a time, as he is my spouse. 

Citibank filed two separate judgments naming my spouse, one on XX/XX/XXXX for {$50000.00}, and another on XX/XX/XXXX for {$4400.00}. 

( also, both of these debts were filled into bankruptcy on XX/XX/XXXX, and discharged on XX/XX/XXXX )
Complaint sub-issue: Account status incorrect

The account I had with Conn was opened XX/XX/XXXX and was charged off as bad debt and profit loss write -off XX/XX/XXXX ( XX/XX/XXXX ) - I received notice of a pending lawsuit. I check my credit file to see who is the alleged creditor and I disputed it on all of my credit reports, because of the inaccurate information. From XX/XX/XXXX Conn Appliances, INC and Conn Credit Corp have file 2 separate remarks onto my credit report.

Im seeing discrepancies, in account status. On my XXXX credit file the accounts states open. On my XXXX credit file the accounts states closed. 
I also noticed that this creditor used 2 different names, address, and number. 

On my XXXX  credit file, a late payment was posted XX/XX/XXXX by ( Conn Appliances , Inc . ) On my XXXX credit file a remark code was reported XX/XX/XXXX by ( Conn Credit Corp ) Under the Fair Credit Report Act I dont know how this incorrect information can be recycled and added onto credit file 1. No scheduled due dates for payments or amount noted or communicated in written form or verbal form.

2. The variation from each credit report agency is inaccurate Account opened on 1 and closed on the others. Late payment reported on 1 and not the others, Etc
Complaint sub-issue: Debt is not yours

This company is saying that I have a debt with them. I did not approve of anything related to this collection & would like to dispute it. It is saying that this was created in XX/XX/2016, all of this is incorrect and should not be apart of my credit history.
Complaint sub-issue: Banking errors

A fraudulent check ( check # XXXX ) in the amount of {$400.00} was cashed at a US Bank location. The check was paid to someone that I did n't write a check out to and that I have never met named XXXX XXXX. I have a copy of the check - that includes his fingerprint. {$400.00} was subsequently withdrawn from my US Bank account even though the check was fraudulent. When reaching out to US Bank to try and get them to cover the {$400.00} as it was a bank error, they refused, and I was forced to cover the cost. I tried to track down the individual who cashed this check by reaching out to the US Bank location where it was cashed but they did n't have video surveillance. It is absurd to me that I am responsible for a fraudulent check that was cashed at a US Bank branch when it was their responsibility to prevent fraudulent check withdrawals and at the very least document when someone cashes a check at their branches. AND, if they have his fingerprint and his name, why was it impossible for them to identify the individual who cashed the check? Please help me!
Complaint sub-issue: Threatened or suggested your credit would be damaged

I submitted a loan discharge application to nelnet on XX/XX/18. I have an email confirmation they received the application. However, I have received no additional response back other than them providing me a hardship deferment. I previously mailed documents to them per the department of education and apparently they never got them, but reported negatively on my credit report. I told the dept of education they don't listen and they have my payments too high. I discussed a criminal record with the department of education and was told about the loan discharge paperwork. I was advised to send the paperwork to nelnet. When I called nelnet they denied knowing what it was and told me it was not then that handles it. And that I needed to reach back out to the dept of education. Everything in the dept of education site states it should go to your loan servicer who is nelnet. I emailed the documents and uploaded them in my account for review. I feel like I am being ignored yet again. I want to know this is seriously being reviewed. This last representative told me I could upload documents to my account as I do not go on the site because it never recognizes my password and I have to reset it everytime. This becomes very annoying. This time I uploaded the application to prevent them saying they didn't get it and I emailed it to them.
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 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 XXXXXX/XX/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.