Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I am in the process of consolidating my credit score, Equifax just dropped my score by 43 points, when a week earlier I 've paid my balances and was expecting to have it raise. Besides the fact that I 'm a victim of the identity theft this company keeps hurting my future and present profits, through wrongfully calculated credit score. If a human would do that, they would probably be fired/sent to jail/ or had to quit their business, but as a soulless corporation it had no repercussions to suffer from their irresponsible, criminal activity.
Complaint sub-issue: Information belongs to someone else

There are five fraudulent unauthorized inquiries reporting on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

Equifax has not verified the inaccuracy on my consumer report after several attempts at messages to have them correct the information. 

Initially, I sent them a letter, dated XX/XX/XXXX, verifying my identity and telling them my correct addresses and names. Soon thereafter, Equifax deleted old addresses and incorrect names from my consumer history. 

After searching through my Equifax consumer reports, I found a negative item that was not accurate, so I mailed two nearby courts to figure out which court had reported this information, and received two responses that indicated they did not send this information to Equifax. 

On XX/XX/XXXX, I sent Equifax a letter disputing the incorrect entry on my credit reports, named US BANKRUPTCY COURT-XX/XX/XXXX. 

In response, Equifax sent a letter, dated XX/XX/XXXX, indicating they could not find my data in their system, and they would need me to send additional identity verification documents with my dispute. However, Ive already sent the identifying documents with the XXXX letter, and Equifax made the subsequent changes to my file without any issues. 

On XX/XX/XXXX, I sent a response to Equifax indicating they were in violation of the FCRA guidelines, as they never response to my previous letter, and never made any correction or change to the disputed information on my consumer report. 

Equifax sent me another letter, dated XX/XX/XXXX, that they could not locate my consumer report, and still need additional verification documents. 

On XX/XX/XXXX, I sent another letter to Equifax demanding they remove the inaccurate information, since they never responded to my dispute, and it has now been over 60 days since this dispute was initiated. 

As of today XXXX XX/XX/XXXX XXXX, Equifax has not responded to my previous letter. In fact, Equifax has not responded to my dispute in almost three months. Equifax has violated numerous rules and ignore proper procedures by refusing to verify this inaccurate information. 

I have obtained multiple copies of my most recent Equifax consumer reports, and Equifax has not removed this inaccurate entry. Their illegal practices are very damaging to my credit score.
Complaint sub-issue: Debt is not yours

Phone number XXXX employee XXXX XXXX left 2 messages after it was explained to her that we do not have a current loan with Ally Financial. 

I called Ally Financial and asked them to stop calling. The representative stated they are looking for XXXX or XXXX ( not a member of our family ). I asked how they obtained our number and was told that they just called numbers with similar names and states looking for potential family members. 

My first thought was someone had a loan in our name or used us as a reference. I was told that we do not have a current loan and our number is not associated with the account they are trying to collect.
Complaint sub-issue: Old information reappears or never goes away

Equifax added a fraudulent address to my credit report that had already been reported and removed for fraud. Equifax is also using this fraudulent address to keep fraudulent accounts on my credit report. 

Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on Equifaxs behalf. 

Equifax stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : Equifax - XXXX - Delivered XX/XX/XXXX, XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to XXXX, XXXX and Equifax on XX/XX/XXXX. It been well over 30 days, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights I need all of the items I disputed removed from my credit report immediately. 

Items still on my report : XXXX XXXX XXXX Credit usage 97 % Balance {$5400.00} Balance Updated XX/XX/XXXX Credit limit {$5500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line Of Credit XXXX XXXX usage 96 % Balance {$3400.00} Balance Updated XX/XX/XXXX Credit limit {$3600.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX  XXXX LATE XXXX XXXX XXXX 3 % Balance {$570.00} Balance Updated XX/XX/XXXX Credit limit {$16000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card XXXX  XXXX Balance details 3 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3100.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Unsecured Loan XXXX  Balance details 0 % paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$36000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type Unsecured Loan XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Ive sent certified letters in more than a year ago and I havent received any response from your company. It shows that your company isnt professional. A business that is professional and doing the right thing will respond in any circumstance. This will be my last time contacting your company to resolve this issue of fraud that was done to my credit file. I am clueless as to how the fraud was done to my credit file. I am only allowing 3-5 days for this matter to get resolve and I am disputing the fraudulent accounts as an internal dispute which means you have a total of 3 days to be exact. This is not a threat its just my credit file has been leaked in several breaches and its your job to investigate how something this fraudulent was placed on my credit file. According to section 609 611 of the FCRA it is said that you must show verifiable original contracts with my signature bearing on to it also, without this you must remove this immediately and permanently. This is my final warning. I have attached a letter of the fraudulent accounts in the attachment section.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, high credit inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal They also violated my rights under : 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: Information belongs to someone else

This is XXXX XXXX and I am submitting this CFPB complaint regarding the fraudulent accounts and information you report on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR 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 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 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 In the event you believe that the disputed items belong to me, I request of you to please send me copies of proof of verification or proof of ownership to support your claims. If you can not find these documents to support your claims, immediate removal of the disputed items will be appreciated.
Complaint sub-issue: No notice of investigation status/result

I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the US Department of Education. This national agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. Eventually the debt was transferred to another third party. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against the US Department of Education. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.
Complaint sub-issue: Fraudulent loan

At this time I, XXXX XXXX, disputed the my account for violation of federal laws, and rescinding enclosed contract dated XX/XX/XXXX pursuant 15 USC 1635. CarMax Business Services , LLC has participated in unfair credit billing, fraudulent debt collection, and deceptive business practices. CarMax Business Services, LLC violated FDCPA, FCRA and FTC unfair and deceptive business practices. 

On XX/XX/XXXX CarMax Auto Superstore , Inc as the seller entered a contract in a consumer credit transactions in the amount of {$14000.00}, and accepted a cash transaction of {$2000.00} ( violating 15 USC 1605a ), totaling {$16000.00} for the purchase of XXXX XXXX XXXX. The contract violated TRUTH IN LENDING disclosure requirements. CarMax Business Services, LLC violated FCRA 621, FDCPA 807 and FDCPA 808, 15 USC 1666. Nowhere in the contract was the APR or Finance charge disclosed. I also disputed the accuracy of this account several times.

Pursuant 15 USC 1605 the amount of the finance charge in connection with any consumer credit transactions shall be determined as the sum of all charges. CarMax Auto Superstore failed to provide the Finance charge, APR or total amount of payments as required by Federal Truth In Lending Act Disclosure requirements. Finance charges does not include fees by a third party. Finance charges are imposed as an incident to the extension of credit ; not to be complied with other fees.

Pursuant 15 USC 1692a ( 4 ) creditor does not include assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Pursuant 15 USC 1692a ( 6 ) Debt Collector CarMax Business Services, LLC had no rights to collect a debt on the consumer credit transactions involving CarMax Auto Superstore , Inc on XX/XX/XXXX, as a third party. CarMax Business Services, LLC therefore participated in unfair credit billing, fraudulent debt collection, unfair and deceptive business practices and was unjustly enriched.
Complaint sub-issue: Account information incorrect

Equifax has violated the Fair Credit Reporting Act many times. Over a period of at least eight years, Equifax has failed to correct information on my credit report ; failed to timely release my credit report to either me or potential creditors ; and intentionally and fraudulently falsified my credit report in retaliation of my filing complaints against them... Equifax blames the provider and the provider confirmed that they did not provide the false information. There is no problem with XXXX XXXX or XXXX. My credit is " excellent '' and yet of having difficulty in obtaining credit as Equifax will not release my credit ; and will not provide any reason. 
Each year I order my reports via XXXX. In XX/XX/2020 I wrote to Equifax correcting information on my credit report. The only response was another report without the corrections. On XX/XX/2020 I sent another letter advising of the corrections needed. Some of the corrections have been made for 2 or 3 times over the years. Documentation was sent multiple times. 
I have no response to the letter of XX/XX/2020 outlining both old and new errors. ' I have filed complaints with CFPB and WA XXXX but neither has any authority to get this corrected permanently. I can't afford attorney.
Complaint sub-issue: Debt is not yours

I recent filed a complaint against XXXX XXXX XXXX and several other companies that has been harassing me. XXXX XXXX XXXX has been selling my information to different companies for different amounts of owed debt. I am not liable for the debt owed as explained and solved in my previous disputes. XXXX XXXX XXXX have tried to collect debt from me through 3 different companies and has been unsuccessful due to recent investigations. I disputed Sequium XXXX solution a company that was reporting for XXXX XXXX XXXX and trying to collect a debt in the amount of XXXX After a thorough investigation The account was deleted. There was also a company XXXX XXXX XXXX, inc contacting me about the same debt with a different amount for XXXX, threatening to attach an inaccurate account to my credit report. In the recent complaint I ask them to do not contact me, since then I have been harassed with letters. I received a copy of a bill which violates section XXXX. I canceled my account with XXXX XXXX XXXX XX/XX/2019 and returned the equipment due to the service not working properly in my area. XXXX XXXX XXXX attempted to go into my checking account in XX/XX/2019 and take an unauthorized payment after my service was canceled. I am not liable for the debt owed to XXXX XXXX XXXX. I was also told by a represented at XXXX XXXX XXXX that I would not be charge due to a technician having to come out twice in same month. After canceling my service I received a bill. Im now facing harassment for a new company XXXX for the same account but a different amount owed. I would like this company to stop harassing me about charges I do not owe and delete this inaccurate and negative account from my credit profile.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am a victim of Identity Theft. I received a copy of my credit report and have no knowledge of these unknown inaccurate fraudulent accounts and addresses. I have reached out to these companies many times to remove these accounts and addresses and the respond that they have been verified but has not sent me any documents with proof of verification. These companies have added new dates and remarks to these fraudulent accounts which are closed and charged-off.
Complaint sub-issue: Their investigation did not fix an error on your report

I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.
Complaint sub-issue: Information belongs to someone else

So I recently pull my credit and i noticed a few accounts showing on my credit report that i do not have any knowledge about. Before reaching out to XXXX, XXXX and Equifax, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers license and Social security card.
Complaint sub-issue: Information belongs to someone else

I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. EQUIFAX has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Debt was paid

I.C. Systems is reporting an over XXXX dollars collection account from XXXX XXXX. I repeatedly dispute this account with other collection companies and when they attempted to get the information from XXXX they could never obtain the information I.C. System is refusing to attempt to get the information from XXXX detailing what charges on the account total to the amount claiming I owed and refused to remove the information from my credit reports.
Complaint sub-issue: Deposits and withdrawals

Citibank : 1. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : I attempted to send available money ( same amount money/same person ) via XXXX to a prior email address utilized, to no avail. 

2. I spent hours with the # XXXX number to Citibank representatives, asking for Supervisors or escalation. 

3. XX/XX/XXXX, via the web, I found " XXXX '' and emailed for assistance. 

4. XX/XX/XXXX, I attempted to send via XXXX ( same amount money/same person ) available money to a prior email address and received via email by Citibank " We've blocked your Citi Online User ID for your security. '' 5.XX/XX/XXXX, I sent to " Citi Executive Response Unit '' a request to Escalate to Citibank Corporate Office , please. 

6. XX/XX/XXXX, I called the " Citi Executive Response Unit '' # XXXX to be told I have to wait 15 days for a response or call the XXXX # for assistance. 

7. XX/XX/XXXX, I sent via email to the " Citi Executive Response Unit '' for a " Response request. '' 8. XX/XX/XXXX, " Citi Executive Response Unit '' representative ( assume ) " XXXX '' at # XXXX called my cell, and asked me " identifying questions '' on my account. I did not have my account # or debit card in front of me. I retrieved it, and gave her my account number and debit card number. After " identifying questions '' quickly she said, I can not identify you and must disconnect. I asked for more " identifying questions '' - " XXXX '' said no. I asked how am I to get access to my blocked account? " XXXX '' said call the XXXX #. " XXXX said she would email : a response to me, not specifying to my email or via bank messages.