Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

It has been over 60 days with no response from the credit bureaus on the issues I have sent them which I know is in complete disregard of the FCRA. I really hope you can actually help me with this situation and get them to finally respond.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been calling Equifax and requesting the removal of the following inquiries that I do not recognize nor authorized. And equifax has refused to delete. 



XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}
Complaint sub-issue: Problem getting my free annual report

UPON HITTING THE FINAL 'SUBMIT ' KEY, THE QUESTIONS TO ESTABLISH MY IDENTITY CAME UP ; I ANSWERED THEM TRUTHFULLY AND WAS TOLD THEY WERE INACCURATE AND I WOULD NEED TO WRITE A SNAIL MAIL LETTER TO CONTINUE IN MY QUEST FOR A FREE ON-LINE CREDIT REPORT ; IF THOSE ANSWERS WERE INCORRECT, SOMEONE HAS USED MY IDENTITY. AS I DID N'T HAVE ANYTHING INACCURATE IN MY SOCIAL SECURITY REPORT, I WAS UNAWARE OF ANY OTHER USAGE OF MY SSN. 
THANK YOU WARMLY IN ADVANCE FOR YOUR ANTICIPATED ASSISTANCE,
Complaint sub-issue: Information is missing that should be on the report

I had an amount of {$86.00} that was due and was reported by XXXX XXXX. On XX/XX/XXXX i call and paid them the {$86.00} dollars and they charged me an extra {$4.00} dollars to do it over the phone with a credit card. Now when I look at my credit report. They say it is closed and in the remarks it said the consumer disputes this account information. I even have the receipt that they sent me the day that I paid it. They need to correct it and show that i did pay the full amount and not say its closed by a dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello I would like to submit a complaint against   XXXX   I have disputed a account that does n't not belong to me the credit agency name is FAIR COLLECTIONS AND OUTSOURCING and I have ask for proof showing that this account belongs to me I have contact the credit agency also and they have this account under a person name  XXXX   XXXX  and my name is  XXXX   XXXX  I have never changed my name or used another name and have contact both parties and nothing has been done expect  XXXX  has sent my credit report to be stated " VERFIED '' but nothing was sent to me showing how this was verified I sent over a copy of my ssn and Drivers lincense card to them and still nothing has happen and they have not verified to me how this info was verified I would like the incorrect info off of my credit report as this does not belong to me
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit reporting act XXXX Account # s account # 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 consumer reporting agency can not furnish a coount without my written instructions
Complaint sub-issue: Seized or attempted to seize your property

I keep getting weekly phone calls from UNIFIN.

When I inquire about the reason for the call, their reply is just answer Yes or No " Am I speaking to ( my name mentioned ), I would then reply you called me, so please tell me what this is about. They reply : is your address -- --, I then reply please help me understand why you are calling me, they would then reply, just answer Yes or No to the question.

I've asked them to please stop calling me especially during my XXXX XXXX XXXX. Once I called them back telling them to stop harassing me, I used another phone line, and a young lady replied if you don't answer my question I will just have to keep calling you, you'll loose everything. 
Now that is where I stated enough is enough I need to file a complaint.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9.  Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Complaint sub-issue: Problem getting report or credit score

Equifax phone room people are unable to deal with complex issues
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

WHILE I WAS IN CHAPTER XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER XXXX DISCHARGED IN XXXX. 2015. XXXX NOTIFIED ME IN XXXX. 2015 THAT I WAS BEHIND WHILE XXXX HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING XXXX TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY CREDIT SCORE. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY CREDIT SCORE TO IMPROVE FOR BETTER INTEREST RATES.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries are fraudulent and were not authorized. I continue to dispute them with Equifax who is telling me that they are verified as true and they are neither verified nor true and I want them deleted! Hard inquires are as followed XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

Ive advised all 3 credit Bureausto send me a copy of my report and they wont, so continue to merge my daughter and I as the same individual and have refused us the opportunity to obtain copies of our free credit reports to correct.
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. 1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 3. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 4. XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 5. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 6. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 7. XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 8. XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 9. XXXX XXXX Account Number : 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 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

Over the course of 30 days. I have filed a dispute in regards to inaccurate and false information on my credit report. My first dispute was XX/XX/2022. Equifax, is still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account. Further more ive provided an FTC report showing this account is opened without my consent, proof that Equifax added this account after it was removed, and a credit report that shows only Equifax Credit Bureau reporting this fraudulent account. Lastly they are violating my rights by requiring me to mail my id and social security card in order for them to process my dispute request.
Complaint sub-issue: Information belongs to someone else

I checked my credit report and found I had a hard inquiry for home furnishings company " Conn Applian '' ... I have not applied and purchased furniture in 2 years. This a red flag for identify theft.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All these letters were sent out to creditors advising them to please remove on authorized hard inquiries from my credit report. I have not authorized anyone to place a hard inquiry on my credit report nor am I from money with either of these companies. I have n't heard any responses from anyone and it 's been well over two months since I sent those letters out. I would like for these unauthorized inquiries to be removed from my credit report as it is damaging and hurting my score
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX, XXXX/XXXX,XXXX   XXXX, XXXX XXXX, XXXX,
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Card opened as result of identity theft or fraud

My XXXX, XXXX XXXX, applied to multiple XXXX cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX  XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.
Complaint sub-issue: Card opened as result of identity theft or fraud

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX, and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX Please delete the items as soon as possible.
Complaint sub-issue: Talked to a third-party about your debt

XXXX XXXX XX/XX/XXXXshared my personal information with debt collectors U. S. Asset Management and U. S. Asset Management shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. filed a lawsuit on U.S. Asset Management behalf then XXXX, XXXX, XXXX, XXXX, XXXX. shared my personal information with XXXX, XXXX XXXX XXXX XXXX. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX or XXXX, XXXX XXXX XXXX XXXX. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, XXXX XXXX Bank knowingly transferred my personal information without my lawful authority to debt collectors U. S. Asset Management and U. S. Asset Management illegally shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. illegally shared my personal information with XXXX, XXXX XXXX XXXX XXXX. and all obtained and are in possession of my personal information without my lawful authority and XXXX, XXXX, XXXX, XXXX, XXXX. and XXXX, XXXX XXXX XXXX XXXX has used such information and illegally attempted to collect an alleged debt.
Complaint sub-issue: Can't close your account

I had two US Bank Credit Cards ( CCs ) owned by both my husband ( now Ex ) and myself. These CCs were opened online by my Ex, and done without my consent. When I reviewed my credit bureau after separation, I contacted US Bank and inquired as to the debt of the 2 CCs. I was assured the application showed both of our social security # s, so I was also responsible for the debt. I, at that time advised the Customer Service Representative that these cards were opened without my permission. The rep advised me I should talk to their Fraud Department. After talking to the fraud area, they then advised me this was considered a domestic matter and there was nothing USBank could do. 
In XXXX of 2020, I found out the CCs had become delinquent. I contacted USBank and brought the accounts current, and with that requested the CCs be restricted to no further purchases or advances. The representative assured me at that time there was no further risk of any advances, it would take both me and my Exs permission to access the accounts again. 
On the XXXX of XX/XX/2020, I contact Customer Service at USBank and requested to payoff both CCs The card ending in XXXX was paid off with a payment of {$2200.00}, with a confirmation # of XXXX, and the card ending in XXXX was paid off in the amount of {$1200.00} with a confirmation # of XXXX. Letter of confirmations attached. I again was assured that due to the CCs being frozen there was no other recourse but to shut them down. And that was the final conversation the cards would be closed. 
( Not sure of Date, but after XX/XX/2020 ) My Ex contacted USBank Customer Service and stated the payoffs made to the cards were done in error and he was requesting the funds be given back. The USBank Representative advised my Ex that she could only reimburse the smaller of the two CCs and would not be able to give the minimum payment that was due back, so the amount given was {$1100.00}. The funds were then deposited into my Exs USBank Savings account, ( this information verified by Collection Supervisor XXXX ). The funds were not even credited to the checking account the original funds had come from! I was told when I called and talked to XXXX in the collections area that the only reason this was able to be processed that way was because they were not giving back the full amount. 
The issues I have : The CCs were restricted, no further action unless there was a consent from both parties owning the accounts to un-restrict. 
Payoffs for both CCs specifically from my account ending in XXXX, on XX/XX/2020, and a request by me that the USBank Rep notate the file of who paid the CCs off, as my Ex was/is filing bankruptcy and I did not want the payments I made reversed to a chapter XXXX trustee. 
My Ex contacts USBank, and although the accounts were closed and paid in full, the rep reversed the payment from the closed account, essentially reopening and creating a balance. 
There never should have been a payment reversal as this account was closed and I made every effort to inform USBank the accounts were opened without my consent. 
I did not give permission to reopen this Credit Card.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX  Account # XXXX and 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 an account without my written instructions.
Complaint sub-issue: Public record

A circuit court public record #  XXXX  popped up on my Equifax credit report TODAY  XXXX   XXXX ,  XXXX . The account shows a report date of  XXXX   XXXX . I have received several credit reports directly from Equifax in  XXXX  and this erroneous public record has NEVER been on any of them. I have no knowledge of this public record and Equifax is reporting this negative account a year later. Equifax has a section designated for public records, and this public records did not report as of  XXXX   XXXX . We are in the year of  XXXX , I have no knowledge of this year old account.
Complaint sub-issue: Information belongs to someone else

It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Complaint sub-issue: Information belongs to someone else

I have attempted to have  several student loans that have been cleared or discharged by the Department Of Education.    XXXX   and  XXXX  have been notified and sent several copies of the discharge notification. The student loan that are on my credit report are not mine.