Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I have submitted various complaints about a bankruptcy that is appearing on my credit report. I have asked for an investigation and it comes back verified! How is my bankruptcy being verified with XXXX XXXX when my XXXX XXXX is frozen and suppressed? This information is inaccurate and misleading. According to the FCRA there is no public records and I have a letter from the bankruptcy court stating they do not verify with the bureaus. It is a violation of my consumer rights to have my private information reporting without my written consent.
Complaint sub-issue: Their investigation did not fix an error on your report

I 've written letters to XXXX, XXXX XXXX, and Equifax in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX &XX/XX/XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed. I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated. Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) same acct number XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act 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 XXXXXXXX XXXX XXXXXX/XX/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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Public record

I have been attempting to submit a dispute x3 days. I tried online 1st and the site had me verify my information and then timed out each time while I was still entering information, at no time was I inactive on the site. The 4th attempt said it was unable to verify my information, the same information I had entered previously. It then instructs you to fax your dispute along with a copy of your driver 's license to XXXX. My fax to this number failed because it did n't answer. I called it and determined this number to be soliciting services for XXXX and in fact not a fax number for the agency. Lastly I called them to submit my dispute via phone and advised them this number was bogus to which they did n't acknowledge, address or provide me with a better number. Their website is instructing people to send their sensitive information to his phone number and they should be made to correct this info or remove it all together. This agency gives you a runaround trying to update your own information and that 's not how this process should work with fair credit reporting, a person should be able to successfully and securely submit updates via the method they have provided and the information they provide should be accurate.
Complaint sub-issue: Personal information

My employment Info is missing. I have worked for XXXX since XXXX 2002
Complaint sub-issue: Debt is not yours

i send to you a lot information about the Court and from pdf
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX I had a notice in the mail from XXXX in regards of my credit application which I had got denied for due to the inaccuracy on my consumer report. I didn't give any one written or oral consent to furnish anything on my consumer report without my knowledge, before taking any adverse action based on the whole report, the person intending to take such adverse action shall provide to me as the consumer a copy of that report. My consumer rights have been violated through deceptive practices. Consumer reporting agencies is supposed to exercise their grave responsibilities with fairness, impartially, and respect for the consumer.
Complaint sub-issue: Debt is not yours

I received a letter in the mail from ERC dated XX/XX/19 stating that I owe {$150.00} to XXXX XXXX XXXX. Account # XXXX. I called ERC and spoke with XXXX XXXX at XXXX XXXX on XX/XX/19 and stated that I have not had XXXX XXXX XXXX and they do not provide service to my address - there is not even the availability to obtain services fromt hat company. She stated that she can not verify me as they do not have my DOB or SSN. I said to remove this from my name as there are multiple XXXX XXXX ( very common name ). She indicated she can not do that. I'm reaching out to file a complaint as it's not fair to assign a debt to me that is not mine.
Complaint sub-issue: Reporting company used your report improperly

My personal information, including sensitive information that can be used to take out lines of credit on my behalf, was leaked by Equifax. This mishandling of my information has put me and millions of others at risk. Upon checking equifaxsecurity2017.com, I learned that I am a potential victim, and am requesting that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Other problem getting your report or credit score

I applied for a loan on XX/XX/XXXX and was denied. The adverse action notice listed XXXX   and Sagestream as two companies that " provided information that influenced [ the lender 's ] decision in whole or in part ''. I requested my credit report from Sagestream on XX/XX/XXXX, providing them a photo of my drivers license and a utility bill, because their online portal where I made my request required me to do so. Sagestream 's website states that my request will be processed within 7 business days. It has now been 15 business days ( 21 calendar days ) since my request and I have not received my report, nor have I received any communication from Sagestream. On the other hand, I requested my credit report from the other credit reporting agency listed ( XXXX  ) on XX/XX/XXXX, and received it by USPS on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

None of the information on the credit bureaus are mine. I have been complaining about this for years. My  XXXX ,  XXXX , and Equifax are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.
Complaint sub-issue: Information belongs to someone else

This is my SEVERAL REQUEST that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem getting your free annual credit report

I have made several attempts online to order my free annual credit report from Equifax. Each time I received an error that my identity could not be verified. I would call them and went through several discussions with the representative regarding my report, and my identity was verified correctly. This has occurred several times since XX/XX/2019. I made another attempt approximately 5 days ago and the representative again said that I needed to submit my request in writing although I had correctly answered all challenge questions. I indicated I would report Equifax to the Federal Trade Commission for refusal to send my report and that they had not corrected any issues that prevented me from receiving my free credit report. She asked me to hold and returned in a few minutes and said that she would send me a free copy of my credit report. I went back online to report an error and the system wouldn't work. I called and she said they were updating their system. This has occurred more than once. It finally worked after I told them again I would report them to the FTC. 
I also noticed on the Equifax report I finally received that my current and former residential addresses were reversed, although this was supposedly corrected in a previous phone call.
Complaint sub-issue: Information belongs to someone else

The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. The account with XXXXXXXX XXXX XXXX XXXX XXXXs not mine and is fraud. I want this account deleted and removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report information that they indicated would be deleted in XX/XX/2021. 

The results of my dispute were sent to me via USPS indicating that ( 7 ) hard inquiries would be deleted yet they continue to report these inquiries. 

This complaint involves the reporting of information that Equifax has previously reviewed and concluded would be deleted. 

This is not a dispute of information on my report but a complaint regarding the failure of Equifax to delete information that indicated would be deleted. 

Litigation to follow
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I noticed I had multiple collections on my credit report for the same student loans. After looking closer I realized that some of them even had the same amounts and account numbers but were added over and over again as if they were separate collections. This was making it seem as if I had multiple accounts go into collections when that wasn't the case. I filed a dispute online in an effort to get the matter resolved on XX/XX/XXXX. I received results on XX/XX/XXXX stating that all information was being reported accurately and this is simply not true. This is KILLING my score and is inaccurate! I also have late payments listed under my student loans ( even the currently open one ) which is inaccurate because all of my student loans have been in forbearance since XXXX until present. Some were just transferred, but we're NEVER late.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern ; I have recently requested that Equifax provide me with proof of my signature bearing in reference to a Chapter XXXX bankruptcy that is showing on my credit report. 

I have challenged XXXX XXXX in reference to this inaccurate, incomplete, unfair and Unverifiable Bankruptcy and their responses came back that it was verified. Recently XXXX agreed that they can not verify the information and have deleted the reported information from my credit report. 

Equifax indicated that they verified the Dispute with XXXX, and XXXX. XXXX deleted the information, and I am attaching their reply. XXXX has until XX/XX/2021 to complete their investigation. 

I also provided a copy of a letter From the XXXX Bankruptcy XXXX XXXX Pennsylvania explaining their reporting procedure to agencies in which was sent to me Via Mail which I was advised that they do not report nor do they validate and or confirm public records due to the Fair Credit Reporting Agency Privacy Law. Per FCRA 623 ( a ) ( 5 ) " IF the Credit Bureau can not Validate the information from the original source and or ( creditor ) than they must remove said information from the consumer files. 

Equifax received the complaint on XX/XX/2021 and indicated that they finished their review on XX/XX/2021 ( case # XXXX ). On XX/XX/2021 case # XXXX disputed the findings, and offered up that XXXX still validated the information, this case was closed on XX/XX/2021. How much investigation was made? They did NOT contact the source of the invalid information, XXXX. 

Again, I received nothing except saying it came back as verified without documentation of my signature which are violations. 

Equifax has failed to respond to the requested action with the proof on how this information was reported to them, and can not verify the source of the information, with proof of my signature as well. As indicated by the bankruptcy court, this is questionable reporting, and should be removed at once.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting an incorrect coding of the XXXX/XXXX   partial account number XXXX. This account is being coded as an M5 when actually this needs to be coded as an M1. ( Please see pages 11 and 12 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. 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: Credit inquiries on your report that you don't recognize

EQUIFAX I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX, XXXX. 

Inquiry : XXXX XXXX, XXXX All Others ( XXXX ) XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Complaint sub-issue: Attempted to collect wrong amount

I have been a patient of the XXXX XXXX in 2016. I have made several payments that have not been reflected in my billing statements. I was recently turned over for collection by XXXX XXXX to M.G. Credit of XXXX, Florida. I have sent two letters with copies of payments but have not received an answer from M.G. Credit as to the status of why my rece3ipt for payment have not been reflected in my billing statements.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX, XXXX XXXX, XXXX XXXX ( not I repeat not no my biological father-birth certificate-it 's fraud-two different ages-do n't know who this person is-why do I have to answer security questions in order to pass a security credit report question??? ), XXXX or I have no idea who these people. I have to keep answering questions from companies in order to pass a security credit report question. I reported, have tried to fix this problem. No a clue who these people are on my credit report. How can I answer questions about people I do not know, never. I did not grow up with them, don't know them. I am constantly reporting names I do not recognize-XXXX. No I grew up in XXXX my whole life or XXXX XXXX. Never before XXXX did I have to answer questions about these people before. Why all of a sudden within the past couple of years for people who's personal info I do not know. 
Including XXXX XXXX XXXX is not my address in XXXX XXXX tried reporting but for XXXX to XXXX that is reported as an address. I am constantly reporting names, Addresses, places I never live, including someone with my identity using my name altered. That is truly weird for the past few years reporting names that never had to be answered before, all of sudden then in XXXX all this weird ( me the victim ) exhausting myself trying to report again, again to authorities.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX Cash app.com sent {$800.00} from my account to XXXX XXXX XXXX. I was told by Cash App that I had authorized this transfer to take place, but I knew nothing about it and do not have an account at XXXX XXXX. Cash app has no telephone to reach them at so all communication has been by email. Each time i received a response from them there was a different person investigating this matter, So far there have been nine employees who were supposed to be investigating this matter but none have succeeded in accomplishing anything. I called XXXX XXXX to find out whose account the money was sent to but because of privacy matters they could not give me the name. I requested Cash app to show me documentation giving them authority to send my money to XXXX XXXX, but they refused to do that. Of course they could not because I never authorized it and do not have an account there. Can you please help me. That was all the money I have. 

Cash App is www.email XXXX  The case number at Cash App is : XXXX. 
my Visa number XXXX XXXX XXXX XXXX cvv XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

CFPB Write up In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove
Complaint sub-issue: Was not notified of investigation status or results

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Complaint sub-issue: Frequent or repeated calls

Citi Bank called me XXXX on XXXX/XXXXXXXX2021. This is for a debt I owe to Macy 's. They called me at XXXX. They called me on XX/XX/2021 at XXXX XXXX  and then at XXXX. I have told them to not to call me and they called me twice today which is a violation of the fair debt collection practices act. They have called me more then once on the same number more then once a day for XXXX months. I have told them not to call that number. THEY CALLED XXXX AND XXXX
Complaint sub-issue: Reinserted previously deleted info

Equifax is once again reporting a derogatory public record, see attached credit report from XXXX/XXXX/2015. 
This was taken off all credit reports several months ago when I showed the lien release dated over 5 years previously, see attached lien release. When the account is accessed online, no derogatory information is listed. When my creditors get a copy of the credit report, the lien and collection reappear and the credit number thus suffers. The credit score thus suffers a XXXX plus point deterioration below the level of the other agencies, both of which do not show this lien. This is my XXXX time requesting Equifax take permanent action to remove incorrect information.
Complaint sub-issue: Personal information incorrect

I should only have two addresses on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX deleted my account from the credit report yet it is still there and i paid off all my credit cards so there should be a XXXX balance fix or delete
Complaint sub-issue: Talked to a third-party about your debt

XXXX XXXX has been contacting my XXXX year old daughter on her cell phone. I have sent letters to them numerous times and I have also sent them a cease and desist letters in XX/XX/XXXX and also again in XX/XX/XXXX. They have turned to contacting my young daughter. They have called her phone on XX/XX/XXXX the number they called from was XXXX. Upon that time I called back the number and advised them not to call my daughter cell phone. They back again XX/XX/XXXX using the number XXXX. The called again XX/XX/XXXX using the number XXXX. And yet they have called back on XX/XX/XXXX using the number XXXX. The constant harrassment has been affecting my daughter to the point I may have to change her number. I know this is illegal for them to contact a third party and I have sent letters to them making mention of this. XXXX XXXX collection practices are illegal and unethical. I have also made written them stating that I do not owe this debt.