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

Equifax - XXXX- XXXX- I sent certified letters asking to validate all inquiries on my report doubles and triples of the same companies. Companies I have never even heard of before. After reporting fraud to them they took no actions for corrections to my report. A bunch of outdated accounts as well that are causing me all kinds of trouble with any type of loans. This company is in charge of us as well as are families you think they would pay closer attention to detail for us
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint AGAIN to delete the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are 2 accounts that are appearing on my credit report from XXXX XXXX XXXX XXXX On XX/XX/2018 I sent them a request asking them to validate that these 2 were my accounts such as a contract or application. To this day I have not received anything from them. I did send out the letter certified mail so I do have proof that they did receive it.
Complaint sub-issue: Was not notified of investigation status or results

still waiting for the response for the letter i sent you on XX/XX/2021. I have been disputing these inaccurate accounts on my report because Im trying to get something for my family but your negligence just won't let me do so, I think i need to take this to the next level, I think the only way you'll take this seriously is when i seek legal help and that's what I'm about to do. for the last time i would ask you to investigate these errors because i know it is my right!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have mailed letters and I have also made phone calls and they do not seem to want to abide by the Law. The FCRA states that legally any unverified or unauthorized items must be removed. 
XXXX  Shows XXXX  Card entry XX/XX/XXXX - XXXX Card XXXX  XX/XX/XXXX - US SM BUS Admin XX/XX/XXXX ( I even reported fraud to them ) XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX  Shows XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX which has reached its two expiration as well - XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX and that has reached two year expiration as well. 
I respectfully ask that these entries be removed immediately from my credit report. 

I also ask that the following addresses are removed immediately XXXX XXXX XXXX  XXXX Missouri XXXX TX XXXX XXXX Quail XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove the following employments XXXX XXXX XXXX XXXX  XXXX XXXX I thank you in advance for your prompt response to this situation
Complaint sub-issue: Attempted to collect wrong amount

I have a accident on XXXX XX/XX/2019, and its small accident and we both parked the cars and called the police and filed the case ( report XXXX XXXX in XXXX, Arkansas. 
Since i dont have the insurance for at that time. i have pay myself, The insurance company of the other guy is XXXX. 
After 3months on XX/XX/2019 i got a call from Afni collections and they say that i have to pay XXXX XXXX 
When i called the XXXX about it they said the its XXXX $ .When i asked it about the claim they said that they have selled it to the Afni collections and i have to speak with them. thay cant to anything about it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ignored all of my questions in my latest complaint. Equifax states they verify that XXXX XXXX, and XXXX XXXX accounts are accurate and mine yet never provide any proof of investigation to me. Equifax has an address listed that is incorrect that they never removed thats fraudulent. Equifax did not complete an investigation and has continued to lie. Equifax also stated they verified XXXX yet I received a letter from the company XXXX telling me they would remove the account from my credit as they verified it was fraud. Yet equifax again said they verified this account as accurate. They do not investigate and the identity theft occurred after the equifax data breach. Additionally equifax is lying and not providing proof of investigations. Equifax ignores my questions and does not provide resolution. Equifax is also allowing creditors to access my reports illegally without my permission. Nor written consent. Equifax is causing damages to me from actually placing fraud on my reports. These accounts have already been verified as FRAUDULENT. From XXXX  and XXXX. Yet equifax states they verified these as accurate. Yet they deleted only one XXXX XXXX account, yet not the other two. Which again proves equifax doesnt care to resolve fraud. They continually lie. They must be doing this to other consumers too as I will continue to write complaints until Equifax quits lying and stops causing personal damages by placing fraudulent accounts on my reports. Additionally XXXX XXXX stayed Equifax wasnt supposed to put these accounts on my reports they are inaccurately reporting the amounts as well. All around Equifax is committing fraud.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding misleading/inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like I am just a number instead of a real person. I feel like I'm being taken advantage of and being ignored of my disputes. As mentioned to each company my information was compromised in the Equifax data breach. At this point more than ever I believe my information may have got into the wrong hands. Your assistance is greatly appreciated.
Complaint sub-issue: Their investigation did not fix an error on your report

Send out 2 section 609 letter company refuse to comply with credit reporting law copy of letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX Name of Account Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX 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

This data breach at Equifax is a display of absolute negligence. But hey, things happen. However, if I want my credit frozen, I have to now pay the three agencies to do that? That seems absurd. Freezing your credit should be free.
Complaint sub-issue: Information is not mine

When I apply for credit and receive a " Risk-Based Pricing Notice '', the notice describes " Key factors that adversely affected your credit score '' with Equifax as the source. From more than one bank, these key factors are claimed to be : " Serious delinquency, Number of accounts with delinquency, Too many consumer finance company accounts, Too many inquiries in the last 12 months '' So, I go to Equifax and obtain my credit report to dispute these things, however the credit report I obtain from Equifax contains absolutely no delinquencies or any other negative information whatsoever. I have also never had a " consumer finance company account ''. I am not 100 % sure what that actually means even after researching the phrase, but I have only ever had student loans and an auto loan, so I do not believe I have ever had any " consumer finance company accounts ''. 

The main difficulty is that Equifax is reporting this erroneous information to banks when they pull my credit report, but when I pull my own credit report it is impossible for me to dispute these errors because I seem to be receiving a different report than the ones the banks are receiving. The one Equifax provides me is correct, while Equifax is providing a different, more negative report to the banks. 

I might think that this was an error done on the part of the banks, but it has happened more than once from different banks using Equifax as a source, several months apart. I attempted to contact Equifax for help online or by phone, but they have no way of speaking with a human about this issue, everything is automated and only allows me to dispute information I can see. I can not dispute these strange errors that only the banks are apparently given.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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: Their investigation did not fix an error on your report

On XX/XX/XXXX, I was alerted by my XXXX XXXX app that there had been a hard inquiry reported to Equifax, which I hadnt requested nor authorized. I immediately contacted the company that performed the inquiry, XXXX XXXX, and they opened an investigation. I also went online and disputed the transaction through Equifaxs online process. I then received a letter from Equifax, dated XX/XX/XXXX ( just one day after the dispute was filed ), stating that the inquiry was a factual record of file access. On XX/XX/XXXX, I received a letter from XXXX XXXX  saying that their investigation had been completed and confirmed that it was fraudulent. The letter further stated that the bank would inform all three credit bureaus to have it removed. So, on XX/XX/XXXX, I checked my credit report and found that the inquiry is still on their and still impacting my credit score. I again filed a dispute with Equifax who again stated that inquiries are factual records of file access. I understand that it is factual that someone accessed my credit file, but they did son fraudulently so this should not appear on my credit file, especially when it impacts my credit score. Also, I wanted to attach the letter from XXXX  to my dispute, but Equifaxs website does not offer that option.
Complaint sub-issue: Their investigation did not fix an error on your report

As of XXXX 2018, I called Equifax to obtain a copy of my credit report. I noticed that their was incorrect information on my report a chapter XXXX and a chapter XXXX. I have written 3 letters in XXXX, XXXX, and XX/XX/2018 to Equifax asking how was any information verified. I have submitted letters from the federal court stating that they do not verify anything through third party companies yet on my Equifax credit report it states XXXX XXXX as the company. Equifax has not complied with my request to verify how and when was any information obtained and verified by them for me. This is a violation of my rights as a consumer. I am asking that the company send me a method of validation as to any of my information is obtained or they will have to delete the negative unverified remarks on my credit file. 
I noticed that I would get the automated response as I would sent in more items to prove I was me. On XX/XX/2018 I was told by an Equifax rep that my credit file was mixed and that was the issue. As it was separated I noticed that I had two derogatory marks on my credit report. The chap.XXXX & XXXX has remained despite all the letters I have sent and a letter from federal court.
Complaint sub-issue: Other problem getting your report or credit score

I open a new account with XXXX XXXX in XX/XX/XXXX and has made over Four payment which has not been reported to the credit report bureau. 

XXXX XXXX are not reporting accuracy information to the credit bureau.
Complaint sub-issue: Reporting company used your report improperly

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Complaint sub-issue: Their investigation did not fix an error on your report

In relation to CFPB complaints:XXXX, XXXX, XXXX. 
On XX/XX/XXXX, I sent a complaint regarding United States Federal Code being violated by Equifax. Within thirty ( 30 ) days, I had not heard a status of investigation or 45 ( 45 ) days. Under United States Federal Code, U.S Code 15 1681i. This is NOT asking for an investigation with the data furnished or using any Automated Dispute System. You have FAILED to produce any results from the investigation dated back to XX/XX/XXXX, where I promptly put you on notice. I demand you correct all details as stated in my written correspondence as stated by law. If you fail to do so, I will file a complaint with the FTC, Governor of Ohio, and Attorney General and pursue legal counsel. If you close this CFPB complaint I will assume you're unwilling to cooperate with federal law, and if you close the complaint saying you are doing an investigation with the data furnisher, once again I will assume you're unwilling to cooperate with federal law. As stated in XXXX.S Code 15 1681i you SHALL by LAW, you SHALL DELETE or MODIFY said disputed items within thirty ( 30 ) days, of investigation and you have failed to do so.
Complaint sub-issue: Seized or attempted to seize your property

I have received several calls and emails from private investigators and XXXX XXXX who says she represents XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX for an account that has been turned over to them. 

However, I am still receiving bills and have access to make payments directly to XXXX, not XXXX. She has threatened to seize property and come to my location to seize assets in the value of the debt owed. 

The calls are harassing and non-stop and when I advise her that I am contacting the FTC, she ends the call and begins to send emails stating that she's representing the company and telling me what she can do.
Complaint sub-issue: Funds not received from closed account

I was contacted by Discover Bank in XX/XX/2019 and told to reach out to them regarding my checking account. When I contacted them I was told that my account was being closed and that they needed an indemnity agreement in order to receive any funds that were in the account. I reached out to all of my banks at that time and asked for this letter and was met with confusion on their part as to why this was necessary for Discover to release my funds to me. I reached back out to Discover in XXXX and was told that I could wait 90 days and would receive a check from them. I waited 90 days from that time and did not receive any check. I reached back out to Discover in XXXX and was told the same thing yet again- that I needed an indemnity letter from another bank and when I told the supervisor I was on the phone with that I was told that I would receive a check in 90 days I was told that I had been given misinformation from the person I had spoken to. I have been unable to get the indemnity letter from any of my banks and Discover has been holding my money for 5 months at this point. I'm reaching out to the CFPB in an effort to get any help I can with getting my money back from Discover.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX XXXX XXXX XXXXXXXX  and equifax XXXX XXXX XXXX XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
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 XXXX XXXX XXXX. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXXXXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX-XXXX and Account Name : XXXX, Account 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Debt is not mine

I have received calls from multiple debt collection agencies, most recently " XXXX '', on behalf of " Citibank '' for " XXXX ''. I have no accounts, nor have I ever had accounts with XXXX. I have an account in good standing with Citibank with a XXXX balance. The collectors give my name and call my cellphone, but they do not have my address and they give a different social security number and age/birthdate. This is clearly a different person they are looking for. I am not sure where they obtained my cellphone number. I have been explaining this for several years now. I would like this to stop.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Card opened as result of identity theft or fraud

I am a victim of identity theft. My mother was the perpetrator of the crime and opened a credit card under my name and built a debt of {$12000.00} with out my consent or knowledge. I have provided substantial evidence to prove that I was not the person t hat engaged in the contract with Citibank. I included a policereport, and FTC report and copies of the credit card application, and IRS tax form, and a letter clearing me of a second credit card (  XXXX  ) that was opened as a result of Identity Theft that has the same information used to open the Citibank credit card. The evidence I includeded proved the fraudulent address, income, and phone number used in the application. Citibank has refused to recognize this case as identity theft. Citibank has yet to clear me of the debt, continues to hold me accountable for the charges that were made as a result of identity theft, has failed to abide by the Fair Credit Reporting Act, and has multiple times sent letters contrary to the statements made by the lead investigator. The investigator told me she 'believed my story, '' yet is still strying to collect.