Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : None Balance {$1000.00} Dear Sir or Madam, I am writing in regards Null Medical account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Hunter-Warfield was assigned a missed {$24.00} flex pay from XXXX which went unpaid when I did not not enter the renewal for my credit card with a new expiration date. They REFUSED to send me a written bill, They REFUSED to answer the phone. Then they REFUSED to answer my numerous voice messages that I left for them ... because hey its only {$24.00} bucks and they can not be bothered. Since they are so shady I REFUSE to make an automated payment. I will only pay by traceable check or money order. I am not going to place myself in a position where they are enabled to rob me and max out one of my cards or clear out my bank accounts. They are shady and frightening!
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 Inquired XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 XXXX XXXX feel there is a possibility these XXXX 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 items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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: Account status incorrect

THIS IS NOT A DUPLICATE COMPLAINT. 
XXXX XXXX XXXX is reporting an account with the INCORRECT ACCOUNT NUMBER, thus all three bureaus are reporting on this item incorrectly. The account number XXXX. The collection was originally through a lender called XXXX. XXXX XXXX XXXX, however, only reports with their reference number XXXX. Because of this error, XXXX   reports the item as Open and active in collections. XXXX   reports the item as a Charge Off, meaning that I still owe money for the account. Equifax still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I have been trying to refinance my mortgage and this issue being displayed incorrectly is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point where theres no other option.
Complaint sub-issue: Their investigation did not fix an error on your report

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

XXXX, Equifax XXXX XXXX. Keep reporting inaccuracies and comments on my credit report. XXXX Account number XXXX comments are inaccurate I have never been in forbearance in fact this account is paid in full. I have provided them notice from XXXX, XXXX. Showing this account was paid in full and was never in forbearance or deferred. The inaccurate comments on this account needs to be deleted. Enclosed you will find proof that this account was paid and never deferred or in forbearance of any kind. 
XXXX, XXXX XXXX and Equifax assured me on the phone it would be corrected and removed and nothing has been done. Because of this inaccurate comments they are reporting I am being denied a mortgage loan.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I have a derogatory reporting on my XXXX XXXX  account for the date XX/XX/2019, XX/XX/2019. I reached out several of times to the company with no response. It is causing me financial distress as my creditworthiness is being judged off this inaccurate marking.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$260.00}
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX and I checked my credit report and I noticed some fraudulent and inaccurate accounts and Inquiries on my credit report I reached out to the credit reporting agencies about these fraudulent accounts but they did not fix the issues.
Complaint sub-issue: Debt is not yours

this debt hippo violation sent to all parties XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX   also
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is not mine. I 've disputed this acct before it was sold to another collection agency. It was removed off my trans union and XXXX file but Equifax is still reporting it. I 've never had service through the company XXXX. I 've recently disputed it again to Equifax on XX/XX/XXXX when I got my Annual Credit Report and saw that it was on there. I called Equifax today to find out the result of the dispute and they have no record of me disputing last month even though I disputed that item and XXXX XXXX XXXX as well. They state that the last dispute results was from XX/XX/XXXX and that they do n't keep notes of calls. I asked to speak with a supervisor just as I did on XX/XX/XXXX when the call dropped after my disputes should have been submitted since I gave her my email address before I was transferred. Today after my disputes for the same 2 items XXXX XXXX XXXX who was paid off and closed in XX/XX/XXXX is still reporting that it is open and will a balance and the XXXX acct I asked to speak to a supervisor again. Also both times that I called Equifax they claim that they could n't find my report with the confirmation number that was provided on the report I got from them through XXXX. The supervisor XXXX stated that they only keep notes of calls if its important to the consumer such as a dispute ( which was made on XX/XX/XXXX ) or a request to speak to a supervisor ( which was also made on that date ). Now I have to wait 30 more days for my disputes to hopefully actually be disputed. And I was told that they would n't send an updated report to the creditors that have requested my report in the last 60 days such as XXXX who I was denied from on XX/XX/XXXX due to the 2 items I 'm disputing.
Complaint sub-issue: Information is missing that should be on the report

Member since 1982. Even states it on the credit card ( document attached ). Age of account is listed as a couple of months.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  kept reporting fraudulent charges from the gym XXXX, months after I contacted the gym and attempted to cancel the membership. Since I started disputing the fraudulent charges, my account has been reported late to the credit bureaus, which is a violation of the Fair Credit Reporting Act. I have submitted all the necessary documentation and yet you continue to report these fraudulent charges.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I submitted a credit card payment to XXXX  XXXX XXXX. 

4-5 days later, I payment wasn't processed so I sent an additional payment on XX/XX/XXXX. That payment was processed and debited out of my account. A few weeks later in XXXX, I found out both payments made in XXXX were refunded to my checking account due to a system processing issue within the company. 

I went to the bank branch and spent numerous hours trying to figure out why, and no employee of the bank could identify the system issue. The bank then continued to contact me saying that my payment was late, yet I have never missed a payment on this 14 year account, and it was my oldest account which I kept in good standing since College. 

I made anothey payment on XX/XX/XXXX and the representative said they'd be able to re-open the account since I have been a good customer for 14 years, and I have a business and personal account as well as a travel card with XXXX XXXX XXXX. 

The account was never re-opened and now it not only reflects as a late payment account, but it was unprofessionally closed with no explanation, clarity, or investigation, and now impacting my credit history an credit score. 

in accordance with the Fair Credit Reporting act XXXX Account # 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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting Act XXXX  account # XXXX and account # XXXX have 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 also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

in XX/XX/2019 my credit score with Transunion and Equifax were both over 600. At that point my utilization was at 90 % and I had eight derogatory accounts which had been reporting for several years. 

In XXXX of 2019 I had brought my utilization down to 30 %, one derogatory account was removed and instead of my score  increasing it dropped by 50 points ( equifax ) XXXX ( transunion ). seven days later both had dropped another XXXX points. 

I would like to point out that nothing else on my credit files changed.the only change was dropping my utilization percent and one collection account removed from my file. 

I have called both transunion and equifax to inquire why my score would drop when I have only positive changes to my reports. Neither companies could tell me a reason. neither company could tell me who could explain this drop when it should have been an increase. 

I would like to know who can tell me or who is responsible for this information.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove the fraud accounts!
Complaint sub-issue: Account opened as a result of fraud

Ive called US bank several times, the call is dropped after going through different process while on hold or being transferred by computer
Complaint sub-issue: Didn't receive notice of right to dispute

Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.
Complaint sub-issue: Debt is not yours

This company IC Systems is placing damaging collection information on my credit reports without any paperwork from them or the original creditor ... I use credit monitoring so it alerted that I owed a balance to XXXX which Im assuming is a daycare attached to one my son attended. I dont owe any daycare money as I have been on public assistance for daycare vouchers with the State of Ohio and up until about XXXX or XX/XX/2018 did not have a copay which means I owe them nothing. They need to validate this debt and remove it or any and all available options that apply under FCRA will be taken
Complaint sub-issue: Reporting company used your report improperly

he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2 .Account Name : XXXX  XXXX Account Number : XXXX 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, Delete this account immediately, unless you want to be held {$1000.00} per violation 3 .Account Name : XXXX  XXXX Account Number : XXXX 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 instruction, Delete this account immediately, unless you want to be held {$1000.00} per violation
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and found several addresses and accounts that are not mine. Below I will list the accounts and addresses that are incorrect on my credit report. 


XXXX  : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date XXXX XXXX Address that I have never been associated with:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax : Account Name : XXXX XXXX Account # XXXX Date Open XXXX XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date XXXX Equifax fraudulent addresse : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX Transunion fraudulent addresses : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX Date XXXX inquiry XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.