Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these suspicious information. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I found accounts I never open this is not mine this is a fraud accounts
Complaint sub-issue: Reporting company used your report improperly

Please help my family and myself. I have contacted Equifax over 15 times in regards to verify some items on my report. I learned from your site that they have 30 days to get back to me. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I emailed the CEO of Exquifax XXXX XXXX and have yet to hear anything back. The items that they have on my report are stoping my family frombeing able to purchase a home, and have cost me an employment opportunity. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX XXXX XXXX XXXX on more than 5 occasions in regards to a account that they are listing on my consumer credit file. I have told them countless times that I am not the correct person they are trying to collect from. I have went a step further to send them a police report showing that I was a victim of identity theft and still nothing! To make matters worse months later they send me the original contract for the auto loan, and it has someone totally different name on it and the address given is an address I 've never lived at nor have I been associated with. How is this even legal? I have explained that I do not know the person on the auto loan contract. I have sent them a copy of my drivers license to prove this. There are over a million people with my same last name, and Its not fair that they are allowed to continue to violate my consumer rights. The credit reporting agencies ( Equifax ) are n't even doing their job even after I have sent them valid proof and document showing that the account does n't belong to me on many occasions including the most recent on XXXX XXXX, XXXX, and then they " verified it '' on XXXX XXXX, XXXX. This is extremely damaging to my credit file and is preventing me from being able to purchase a home for my family. How could they have possibly investigated this item and verified it if I have the physical contract from the credit without someone else 's information on it. There 's no way!
Complaint sub-issue: Account information incorrect

I have 3 accounts that I paid off in settlements that are still showing negative on my credit report. 1 XXXX XXXX account which I paid off in the amount of for {$2000.00} ( paid off XX/XX/XXXX ) and is showing election of remedy and hurting my credit score. 2nd XXXX XXXX account which I paid off for {$2100.00} ( paid off XX/XX/XXXX ) showing purchased by another lender. 3rd account is citi, which I paid off in the amount of {$630.00} ( paid off XX/XX/XXXX ) and is showing election of remedy. I wish to have all these accounts removed from my credit report since I have paid all of them and the companies refuse to remove them after I have contacted them.
Complaint sub-issue: Don't agree with fees charged

I was declared fully and permanently XXXX by a sitting Federal Court Judge in 2004. My income derived from SSXXXX. My income is below poverty level and a wage garnishment by Nel-Net, the XXXX current loan shark, has taken my income even farther below poverty level and it seems the dept of edu has their own standard of determining who is XXXX and who is not since they can disregard the decision of a Federal Court Judge and the panel of experts sitting with him. They conferred with each other, before the jusde handed down his decision. 
In my XXXX semester at the university, I began to enter a XXXX ( XXXX ) and informed my instructors I needed to withdraw from their classes. I was enrolled in XXXX classes. I attempted to contact my student adviser through calling and e-mails, but she never responded to advise me in any way. I was between my XXXX to 4th week at the time. The university showed me as having dropped out and charged me for the entire semester. This was in XXXX. Now my below poverty XXXX income is being garnished, for XXXX, by a loan shark company who continues to add on penalties while they collect on the loan. I have tried for 2 1/2 years now to get this loan deferred with no success.
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 privace and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2. 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.

15U.S. 1681S-2 ( A ) ) 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX XXXX, and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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: Threatened or suggested your credit would be damaged

I received a call at XXXX XXXX. on XX/XX/ 2019 from a very brusque-mannered man who threatened that my rental and credit history would be RUINED because I refused to provide personal information. He said he was " notating my file as a refusal to pay '' when I advised that I would not be giving any personal information to a stranger by phone because I've been a victim of identity theft. I never said anything about refusing to pay ; nor did I acknowledge whatever the debt was that he was speaking of. I was threatened about my credit and rental history regardless by the collections representative. My FDCPA rights were violated.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX is still reporting on my Equifax credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I have had ongoing problems with an account that is invalid and that was an illegal charge yet for all of my attempts to get Equifax to remove it which they have on multiple occasions it always ends up back illegally re-aged and still inaccurate. 

It claims to have been opened on XX/XX/2018 which is in fact two years after the ambulance trip in question. The fact remains that this was an illegal use of XXXX XXXX 's fire rescue to transfer me for a non-medical situation against my will, without my consent in direct violation of their policy after they violated my rights which I'm currently litigating in the fourth District Court of Appeals in the state of Florida see oliverkamm versus Broward sheriffs office. 

As a result of which they billed -- thorugh there own service - not one my isnsuaance covers -- {$1000.00} for an ambulance that I didn't need and that they didn't cover although I have insurance with full deductible that would pay for it the charge was just fraudulent so they didn't. 

I try to work this out directly with both my insurance and with XXXX XXXX and with Equifax but no one has done a thing other than re-aged this illegally continue put it on as if it was a valid debt when it's not and I can test it from the beginning. Once again Equifax is proven themselves to be untrustworthy unfair and seemingly out to makeremoval offalse info impossible
Complaint sub-issue: Their investigation did not fix an error on your report

Carter-Young Inc is incorrectly reporting a bill for {$210.00} for XXXX XXXX. I told them the bill was not mine. I am a current patient at XXXX XXXX and called them. They sent proof I do not owe them anything, my account is in good standing and that they in fact owed a credit to ME!! They said the account numbers didn't match. XXXX XXXX stated they do not have ANY acct number that matches the beginning numbers of # XXXX that the collection agency is reporting. XXXX XXXX sent yet ANOTHER letter stating that they searched ALL databases and I do not owe a bill. Carter-Young will not remove this bill even after they have received proof from XXXX XXXX stating I do not owe it. I sent copies of the envelop the letter came in, the letter, the ledger and the info regarding the refund they owe me and I am still fighting with this collection agency. It it unfair. I do not owe this money and they refuse to accept that.
Complaint sub-issue: Their investigation did not fix an error on your report

Between the Department of Education and XXXX my loans were sent to Modela my student loans are at a XXXX balance with XXXX on my credit report. 
My score went from fair XXXX to XXXX poor over night 41 XXXX XXXXXXXX points when I have a XXXX balance from {$31000.00} worth of student loan debt. 

WHY DID THE SCORE GO DOWN 41 POINTS INSTED OF UP? 

XXXX IS GOING ON ... ..
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have these hard inquiries that is reporting on my credit report that I do not recognize. I did not authorize these companies to pull my credit report nor did I sign any documents from these companies to access my credit report. Please have these hard inquiries removed from my credit report. The Fair Credit Reporting Act has strict limit on who can check my credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check my credit without written permission. So have these hard inquiries REMOVED from my credit report. These are the Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like an update of my credit report after all of the hard inquiries REMOVED.
Complaint sub-issue: Account information incorrect

Ive requested Equifax to investigate an account on my credit report It has been over 60 days and they have yet to provide information or even do an investigation., Ive included a copy of the credit report with the information highlighted that is inaccurate They are reporting the payment status on a closed and paid in full account as a " charge off ''.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover through the newspaper. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. This service should be provided for life, not one year which Equifax is currently offering. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried since XXXX to get the credit bureau to remove unauthorized inquiries made on my account. They refuse to remove inquiries, even after I've cited FCRA section 605 ( b ) that mandates they remove unauthorized inquiries. I've called, sent letters and still as of today XX/XX/2021 they refuse to remove unauthorized inquiries even though they have a fraud alert on my account. They are in violation of the FCRA. I've called every single creditor listed for inquiries and non of them have an application on file from me. I've gone to police and they state this is credit bureau who needs to fix, but they refuse. I'm well within my rights to sue at this point but just want it resolved
Complaint sub-issue: Debt was paid

I was contacted by AFNI collection company thru a letter stating that they were willing to accept a settlement on my XXXX account for half the original amount I paid the settlement amount and then requested a letter stating that I was paid in full and no longer owed any more money, I was told by the AFNI customer service that it takes 120 days for their system to update and I would not receive any letter until that time but only 7 days after I paid the settlement amount I receive an alert from XXXX stating I have a change in my credit I was sure it was AFNI updating my account to XXXX balance. yes, the new information was from AFNI but it was not reporting that I have a XXXX balance AFNI is now reporting that I still owe the half they agreed to settle with me and that my high balance was only the settlement amount and I still owe XXXX I also received a letter today from AFNI stating that they are still trying to collect the other half of the debt. I feel that AFNI deceived me by sending me letters stating that they were willing to settle my debt and once I paid the settlement amount they are continuing to try and collect the balance, I am seeking to find assistance as to hold AFNI accountable for their deceitful practices.
Complaint sub-issue: Debt was result of identity theft

I had fraud on my bank account account so I had it frozen. TPS recovery services then sent me several notices for collection of debt that I do not owe.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax failed to investigate properly dispute of incomplete and inaccurate items submitted XXXX XXXX, circled on attached XX/XX/2020 credit report alleging creditor verified information is correct. 
Status states account " over 120 days past due '', when I search for amount past due there is no amount and a XX/XX/XXXXbalance. 
I have called and spoken with representatives that clearly see the inaccuracy but refuse to comply and remove the inaccurate record.
Complaint sub-issue: Information belongs to someone else

Child support account showing on my credit reports is not mine. I have disputed and it was not deleted.
Complaint sub-issue: Information belongs to someone else

AS A CONSUMER, I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THE FRAUDULENT ITEMS TO BE REMOVED FROM MY CREDIT REPORT. I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THE CHARGES AND THE ACCOUNT ARE NOT MINE, I HAVE NVERE RECEIVED THESE CARDS I HAVE NEVER USED THESE CARDS, AND AN MY AGE I DON'T NEED ANY CREDIT CARDS.
Complaint sub-issue: Reporting company used your report improperly

I am a victim of identity theft, having my personal bank accounts compromised and credit cars opened in my name. I have filed FTC reports for the Identity Theft and my bank accounts was closed due to my accounts being compromised. I have provided XXXX XXXX XXXX XXXX with the FTC report for the identity theft and they are still attempting to collect the fraudulent debt. They are using account statements and fraudulent payments that was processed from my bank account that was compromised as verification of the account. I did not open the accounts. Someone had access to my personal information and applied for the cards. I did not give XXXX XXXX XXXX Bank to the authorization to report any information to my credit file. Pursuant to the Gamm- Leach- Bliley Act I have to give a financial institution permission to report on my credit file. I was also not given any chance to opt out. They are in direct violation with the FDCPA for attempting to collect a debt that I do not owe. I am being harassed and abused. They are also violating the FCRA and violating my right to privacy reporting this alleged debt that was created due to identity theft of my personal and bank account information. I do not consent to any reporting and I demand these accounts be deleted immediately. I also demand the debt be XXXXXXXX XXXX  out in their system.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is reporting data thats not mine.
Complaint sub-issue: Unable to open an account

I opened an account with Discover Bank over the phone within the past month. I wanted to set up internet access so I used the computer at the library, as I don't have internet access at home. I input the information to access my account online - Date of Birth, Social Security Number, Mother 's Maiden Name - without thinking that a library employee or anyone looking over my shoulder would be able to see this. URGENT - THIS NEEDS TO BE HIDDEN WITH ***** AS IT IS INPUT. 

I will of course contact Discover, but this is of EXTREME importance due to a very high risk of identity theft. It is unprofessional to say the least, and exposes Discover Bank to liability in encouraging customers to provide personal information without hiding it. Every other bank I've ever dealt with has the sense to hide personal information on the screen.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 5 unknown inquiries on my credit report. I have filed with each of the companies and expressed the fraud concern. They have not been removed from my credit report through all 3 bureaus. Investigations pending and being asked to report to FTC.gov for further proof / documentation. 

US BANK - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX via XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

Last year, I checked mycredit report when applying for leaseing a car in XXXX XXXXand found that I had several credits card under my name that I had never applied for. Because I am a full-time housewife, I have little economic contact with the outside world, so I have not noticed. Upon inquiry, my ex-husband used my SSN to handle these CARDS without my consent. I first tried to communicate with the bank and applied for a report from the police, but the bank thought that the credit card had used the debit card in my name to repay, so I knew and enjoyed the benefits of the card, so I need to be responsible for the debt generated by this credit card and affect my personal credit. 
Here, I want to emphasize above all, as the credit card bank said the checking account that use to make payments for the credit card is under my name. But I want figure out that is a joint account, so that does not prove that I am the one who take action to make payments and I was awared that I have this credit card. Because the bank 's transaction records can't show whose credit card was paid. Most importantly, I did not apply for these credit CARDS myself, nor did I ask others to help with the application, which was caused by the lax approval of the bank 's own credit CARDS.
Complaint sub-issue: Information belongs to someone else

I have a XXXX/XXXX account showing up on my credit as an authorized user since XX/XX/XXXX. My identity was stolen in XX/XX/XXXX taxes and all. I have submitted this information to XXXX  over 70+ days ago to remove this erroneous derogatory account from my credit file. They refuse to remove it and this is preventing me from getting the things I need done. I am trying to buy a home and I don't want this derogatory falsely reported account to keep haunting me. I shouldn't have to pay for identity theft in 6 years later. I want the account removed immediately.