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

In XX/XX/XXXX, I was denied credit for a car loan, due to negative items on my credit report. I discovered that XXXX XXXX XXXX was the reason for my denial. The most recent dispute I have with XXXX XXXX XXXX was submitted and sent via USPS certified mail to all 3 major credit bureau 's XXXX, XXXX and Equifax on XX/XX/XXXX see attached ( Ref. A ). My request was to update/delete the " Date Last Active, '' because it was reporting incorrectly across all credit agencies. XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX Exquifax - XX/XX/XXXX. It obviously has been re-aged to continue to extend the statue of limitation. I asked for a careful analyst and to investigate the inaccurate information that is reporting in my credit report. I provided snapshot of my credit report side by side from my credit monitoring tool from XXXX, I would hope this would help them investigate. Within 30 days I did receive new reports and response letters from all 3 credit bureaus ( Ref. D, E, F ). However I did not receive the results I was looking for. They did not even investigate my request of " Date Last Active. '' They did not do their due diligence and investigate. I reviewed the reports ( Ref. D, E, F ) that they have sent me and the updates. After several analyst, I noticed obvious accounting mistakes that possibly should of not resulted in a repossession. I discovered new inaccuracies that I missed and could of never seen without having a full report. 1 ) XXXX : is reporting REPO on XX/XX/XXXX - ( Ref. E, F ) Equifax : is reporting REPO on XX/XX/XXXX - ( Ref.D ) 2 ) Late payments reported XXXX & XXXX : XXXX XXXX XXXX XXXX XXXX XXXX - ( Ref. E, F ) My leasing contract states that my payments are due every XXXX of each month ( Ref. C ) XXXX - Debited my account on XXXX, XXXX - I was not 30 days late ( Ref. G ) XXXX - Debited my account on XXXX XXXX, XXXX - I was not 30 days late also have XXXX XXXX receipt that reflects paid on XXXX XXXX, XXXX and paid 2x of monthly requirement. ( Ref. H, L ) XXXX - How can I be 90 days late if I paid XX/XX/XXXX through XX/XX/XXXX? XXXX - Debited my account on XXXX. XXXX, XXXX - I was not 60 days late ( Ref. I ) XXXX - Debited my account on XX/XX/XXXX XXXX XX/XX/XXXX for 2x payments ( Ref. J, K ) 3 ) As of today my XXXX XXXX Credit Report on XX/XX/XXXX : My report is showing more inaccuracies than when I disputed in XX/XX/XXXX ( Ref. B ) >High Credit : XXXX XXXX XXXX {$12000.00} Equifax XXXX {$3900.00} >Past Due : There is a PAST DUE balance, when account has been CHARGED OFF >Date Last Active : XXXX- XX/XX/XXXX XXXX XX/XX/XXXX EQ- XX/XX/XXXX The inability for XXXX XXXXXXXX XXXX to accurately do their due diligence to accurately report correct verifiable has resulted in a lot of headaches and emotional stress. I can not get approved for a car loan because of this account.
Complaint sub-issue: Their investigation did not fix an error on your report

i have disputed a item on my credit report that is not my account also during my disputed all three credit bureau has violated many laws of the Fair Credit Reporting Act i also have sent a disputed letter to the creditor and i receive a letter stating that they no longer has ownership to this account but the credit bureau is reporting under the creditor name.
Complaint sub-issue: Reporting company used your report improperly

I am included in the list of potential victims of the recently public Equifax security breach, according to their own website. 

Chiefly, I am unhappy that I was not notified in a timely or personal matter, and my only outlet to this information was a full month after the incident. While I understand that cybersecurity is an effort that is up to best efforts, communication about this incident was entirely a failure. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Complaint sub-issue: Didn't receive enough information to verify debt

I noticed this reported as a collection on my credit report. I sent a certified letter with signature to the company on XX/XX/2022 for them to verify the debt. I haven't heard anything back from them.
Complaint sub-issue: Debt was result of identity theft

Just noticed I have a derogatory remark on credit report from XXXX XXXX. I have fought this before as a stolen identify case with another company. This time it states I opened an account XXXX XXXX XXXX when I have been XXXX overseas since XXXX I have not owned XXXX XXXX nor will I ever. They can not provide me with contract details or even the address that I supposed open this account. Police reports have been filed and sent to credit monitoring companies to no avail.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance {$960.00} JXXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Complaint sub-issue: Information belongs to someone else

Per 15 USC 1681 G ( A ) 1, 15 USC 1681 A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : I have the right to not consent to my person information being shared with companies that I have not given consent to. I have the right to refuse alleged debts and require verification from these companies. 


I demand that XXXX XXXX delete this account immediately and not ever repost it on my consumer report. 

XXXX XXXX Do not claim this is not me. I have included my id. You normally use that as a stall tactic.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

So I get this alert today from the Credit Bureaus that a new Hard Inquiry was added to my credit reports. And Im curious on how they got there because I have not applied for any kind of credit or credit card. Im flattered how the Credit Bureaus allowed this to hit my report when I have my credit reports locked. 

I assure you 100 % the hard credit inquiry that hit my credit report today was not done by me and I will continue to file complaints until it is removed from all 3 reports.
Complaint sub-issue: Card was charged for something you did not purchase with the card

When I called up late in 2020 to resolve another issue, the Discover representative noted a recurring charge on my account. We looked into this further as I should not have ANY recurring charges - as i never allow them. It turns out the company - XXXX XXXX - a firm that I never used or gave permission to bill me - had been billing me {$16.00} on my card. ( When I looked on line, XXXX has pages and pages of complaints on this very issue, and a class action law suit against them for this. ) To avoid further fraudulent charges, I canceled this card, and got a new one with a different number. In addition, Discover started a fraud investigation. However, they did not back me up on this case and said that i did not prove fraud - even though i do not know who this company was, never knowingly gave them my information, and never received any services from them. Further, Discover said that the fact that this company was known as a fraudulent enterprise was irrelevant, something which i found incredible, as it went to the crux of the issue - particularly as they now have ads on TV touting Discover Cards commitment to combating fraudulent charges. While I understand it is not their sole responsibility to monitor my account - it is unnerving to know that I am " in it alone '' in dealing with this. A consider their actions in this to be disingenuous and unhelpful. Having been a customer for nearly 3 decades and having had great relationship in the past, i was deeply disappointed. I no longer trust Discover and will be cancelling my account. In addition, I am contacting my attorney to check on other possible actions.
Complaint sub-issue: Information belongs to someone else

Delete the following accounts, addresses, and inquiries listed below : EQUIFAX : Addresses : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX Accounts : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : XXXX - XXXX XXXX XXXX : XXXX - XXXXXXXX XXXX XXXX XXXXXXXX : XXXX - XXXX XXXXXXXX : XXXX Inquiries : - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am victim of identity theft there are items on my credit report that I need to get deleted so I can move on with my life.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXXXXXX, XXXX, EQUIFAX. Are all reporting the XXXX XXXX account inaccurately. I have made several attempts to adress this issue. Attached, find original creditors own payment history. The balance on XX/XX/2022 is XXXX. The account has to be removed as it is reporting inaccurate information on all three bureaus please remove account based on the XXXX balance reported by the furnisher. After doing so please forward me a copy of the report.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus have not investigated and removed my fraudulent accounts that is a result of identity theft on my credit file
Complaint sub-issue: Information belongs to someone else

Im looking to improve my credit scores from last year and looking to buy a home. but these factual errors and multiple duplications and my credit report is not been removed. I want these collections and incorrect informations removed from my credit report, and I demand a Validation of these account. Otherwise delete these collection FCRA Violation. 

1.Correct name And Addresses Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect Addresses on my Equifax file. Attempted to remove this but Equifax not removing Addresses that are not mine - FCRA Violation. 


XXXX - Not mine Never opened Close this account. Multiple attempts to dispute. Not mine, Remove this account from my credit report XXXX, Equifax and XXXX. 
{$0.00} Closed Unknown payment history Account number XXXX XXXX. Not My Collection Remove it From my Equifax account Original creditor : {$53.00} Account number XXXX Not my Collection Remove from my account Immediately- FCRA Violation, Factual Validation, FDCPA Violation- Remove this account From my account. 

Original creditor : {$75.00} Account number XXXX Original creditor : {$250.00} Account number XXXX Original creditor : {$130.00} Account number XXXX XXXX XXXX  Original creditor : XXXX XXXX {$380.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$97.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$260.00} Account number XXXX XXXX, Not My Inquiries- FCRA Violation - Remove From my Credit report. 
7 inquiries These lenders have accessed your credit file : XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX, Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX  Credit Unions XXXX XXXX XXXX All Banks XXXX XXXX XXXX All Banks XXXX XXXX, Miscellaneous Reptg. Agencies XXXX - CARD XXXX XXXX Credit Card Cos. 


Not my collection. FCRA Violation, Not mine never mine. 
XXXX XXXX LP Original creditor : XXXX XXXX  {$380.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$250.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX {$380.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$130.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$97.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX {$260.00} Balance updated XX/XX/XXXX Remove these Hard Inquiries from my credit report XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Not my name Remove these names from my account. From Equifax XXXX XXXX XXXX XXXX XXXX Not my name FCRA Violation remove these name from my XXXX credit report Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/19 I mailed in a copy of the FTC report XXXX, police report and credit report along with my ID, SS card and water bill to verify my info to have fraudulent accounts removed. 
XX/XX/19 I mailed in a request to block this information under FCRA 605B along with the above information. 
XX/XX/19 I tried to find out the status of my block request and could not access online. 
I called Equifax XXXX where two representatives were not able to verify my ID, trans to manager XXXX who verified my ID but stated the block request was entered only for certain accounts and is still processing. 

Block request confirmation # 's XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX US DOE No entry for XXXX XXXX XXXX, address of XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. 

I informed him that Equifax only had 4 days to block these fraudulent items and he stated they have 30 days to investigate. I asked for a manager as this is not in compliance with FRCA 605B 4 day rule & was told I would get the same info from them.
Complaint sub-issue: Account status

This was paid in full in 2009 and they are reporting that it 's active and open on Eqifax
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I tried to make a transfer gor XXXX  and they debited my account but said XXXX  was not debited. My money was never returned. Today my account was debited XXXX from my account. My card is turned off and been turned off yet someone was allowed to take XXXX  off my account and say it was debited for cash as if they had my card and debited cash. I no longer want to use this company. I want my money back.
Complaint sub-issue: Account information incorrect

I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/XXXX that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies and to CORELOGIC CREDIT REPORT On Monday XX/XX/XXXX a certified letter was mailed out to XXXX and the first complaint was sent in on Saturday XX/XX/XXXX. As of Sunday XX/XX/XXXX I have yet to hear anything from XXXX. On Saturday, XX/XX/XXXX another certified letter was sent out to CoreLogic. And also followed by this new report here..
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX is reporting collection account for {$11000.00} past due as of XXXX XXXX. I disputed with reporting agencys this is not my account. I was not in Country during this time. They are reporting joint with XXXX XXXX. I have filed disputes requesting documentation this is my account, I have not received. I have sent documentation showing such. Reporting agencys continue to mark as remain.
Complaint sub-issue: Problem getting your free annual credit report

I have tried on multiple occasions to retrieve my Equifax credit report and scores both through the annual free credit report and directly through Equifax. I became aware of errors through XXXX monitoring service and have been trying correct them. 

On more than 7 occasions, I get errors on the Equifax website or I'm told my data input is wrong ( even though I'm 100 % positive it is correct ). On phone calls to Equifax, I've been on hold on 4 occasions for 35 minutes, 92 minutes, 67 minutes and 60 minutes respectively throughout the month of XX/XX/2018 but have not had contact with an agent. On 2 of those occasions, the line went dead after 35 minutes and 67 minutes.

Equifax presented an 'error ' message on the website stating I was required to submit any disputes via U.S. mail and would not allow access to retrieve, view or dispute credit report items. I was instead, offered a paid service if I wanted to view my report.
Complaint sub-issue: Information belongs to someone else

FRCA Violation personal loans CONN APPLIANCES INC FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of 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.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$4000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Complaint sub-issue: Information belongs to someone else

XXXX breach has caused two items on my credit report to be inaccurate
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a hard inquire on my credit report on XX/XX/2022, I contacted the company that performed said inquiries and they stated they did it to find out where currently lived. I told them that they did not have my permission to run my credit and they stated they did not need it
Complaint sub-issue: Didn't receive enough information to verify debt

For the past few months, I've been disputing this account. I have received no information from them, even though I've requested everything. they have continued to report the debt, even though they have not validated it, which is a violation of the FCRA and FDCPA. I do not know what this debt is for, and they have never sent me any validation. Please help me with this, I do not know what else to do, they are destroying my credit and my life! During a National Crisis, this is deplorable!
Complaint sub-issue: Other problem

Someone opened at Macy 's credit card in my name and I've never shopped at Macy 's in my life. I received a letter in the mail saying I had a balance to pay. When I called Macy 's today, they told me to submit a claim on this website. 

I would like this to go away and not affect my credit score.
Complaint sub-issue: Information belongs to someone else

I am writing to you to let it be known that there are accounts in my report that were unverifiable, incorrect and inaccurate. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are obligated by federal law to verify any and all accounts that you place on my credit report by physically verifying the original signed consumer contract. I will enclosed the previous letter as proof that I sent here for complaints and you are reporting those account as not disputed.