Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

Hello I have been trying to work with equifax but they refuse to help. They have 2 state tax liens that are to old to be on my acct. Both have been there since XX/XX/XXXX. I believe they are the same lien just filed twice. Also I have disputed a bankruptcy that is not mine and they refuse to remove or provide proof. Also there are inquiries that are not from me they are XXXX XXXX XX/XX/XXXX and XX/XX/XXXX innovative funding on XX/XX/XXXX XXXX XXXX XX/XX/XXXX auto approve XX/XX/XXXX equifax mortgage service XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I have contacted them and they refuse to help in any way. Thanks
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was notified through XXXX XXXX  that there were some inquiries that reported to my account that was not authorized by me. These inquires have brought my score down almost 10 points. I believe someone has stolen my SSN and is trying to apply for things in my name.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX   XXXX {$15000.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

I recently filed a report with XXXX XXXX and XXXX  of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Complaint sub-issue: Information belongs to someone else

Never applied for these accounts I.am writing this due to non-compliance with the Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Reporting company used your report improperly

I haven't received any supporting documents stating this alleged debt on my consumer report. Some of the accounts came back verified in investigation but with no explanation on how the debt came back verified. It is unlawful to keep these accounts on my consumer report if they are coming back unverifiable. Additionally, I have put in complaints to the XXXX to remove the accounts. The accounts say they notified the reporting agencies, but the inquiry is still on my consumer report.
Complaint sub-issue: Public record information inaccurate

For months now I've tried to address this Bankruptcy with the reporting company and they still choose to ignore me. I've sent letters requesting validation and verification and nothing has been done.
Complaint sub-issue: Debt resulted from identity theft

AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/2016 XXXX, IL XXXX PHONE : XXXX FAX : Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have an inquiry on my credit report dated X/XX/16, from XXXX XXXX XXXX, at XXXX XXXX Fire XXXX XXXX, XXXX, NC XXXX. I have not applied for any credit with them. I sent them a letter asking for the valid proof or please remove the inquiry. <P/>they sent me back a generic letter that states, " this dispute relates to an inquiry or request for consumer report. <P/>I called in to XXXX XXXX XXXX and spoke to XXXX XXXX XXXX XXXX, said if we show the inquiry it must have made an credit application. <P/>They can not provide it or even be certain that I did actually apply, This needs to removed.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are not researching and properly reporting that the following accounts are in fact in dispute. XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) The collection account listed is reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Complaint sub-issue: Account status incorrect

I have 2 accounts that i had exceptional payment history with and During Covid I received a couple late payments that were not due to my fault at all ( and I am not saying latenesses were because of Covid ). It was an issue on the bank or lenders side. This has crushed my credit. I tried to contact them multiple times directly and through the credit bureaus. They removed 1 late payment, while i am grateful for this, i still want all removed because it was not my fault. It was a glitch within their systems that they admitted to.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX of inquiry XX/XX/2020
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$5600.00} XXXX {$590.00}
Complaint sub-issue: Debt was paid

I received a letter stating I owe {$600.00} to XXXX from a collection agency I called XXXX and when spoke to a phone associate and mention I did n't use XXXX and never use there cable or requested there service he mention a name that I do n't know the person when ask to verify if the information they had on file was correct and I let him know that my SS # is mine but not the name they had on file so was transferred to fraud department I told him the same information but now he would n't give me the name and city were the account was open that I had to submit my ID and a police report so I went to my local police department they said I have to file were they used my information that I could n't file a report local so again I called XXXX now they said I needed a supina before they could release information but I ca n't place a police report cause I do n't know were they used my SS # and XXXX wo n't give me that information so I called XXXX to place a fraud alert on my name and I also file on FTC.GOV/THEFT wed site so now I do n't know what else to do please help.
Complaint sub-issue: Information belongs to someone else

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Complaint sub-issue: Account information incorrect

I called XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX  stiff refuse to update the information. 
XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( Equifax, XXXX, and XXXX XXXX ). 

As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a washer and dryer from Home Depot several months ago. They attempted to deliver damaged washer and dryer on XX/XX/XXXX. I refused the delivery. 
I requested a refund from them. It took a week to credit the Home Depot credit card I had used. 
I had paid the balance of the card in full for the washer and dryer in XX/XX/2020. 
I requested a refund from the credit card company and they said it would take 5 days. Its been 5 days and no refund. Now they say up to 17 days. 
Im wondering if they are going to refund my {$1600.00} at all?
Complaint sub-issue: Their investigation did not fix an error on your report

There is an account reporting on my credit file with XXXX XXXX XXXX XXXX showing as charged off. That is not the case. I spoke to XXXX XXXX and they said it's not charged off it's only past due. I have dispute this with the bureaus sevearl times and yet they still report it as charged off. That is not accurate
Complaint sub-issue: Account status incorrect

On Saturday XX/XX/XXXX I got a email notification from XXXX XXXX that my score went up due to the removal of false payment information that I had disputed regarding a car loan from XXXX XXXX way back in XXXX that I do not owe monies on any longer.. I will be happy to screen shot the email as proof because I still have it in my inbox. However, on today XX/XX/XXXX the company has fraudulently reported that I am behind in payments which makes no sense because I dont even have a car loan with them anymore and paid the car off more than 7 years ago. XXXX XXXX continues to fraudulently report that I owe an amount that I do not owe. What they are doing is not only unethical but illegal. The account was opened for a car loan in XXXX. The car was paid off in XXXX yet they continue to harass me and lie on me stating that I owe monies and am behind on payments when I have had to make a car payment to them in years. This is really crazy! They only do this when I report to the credit bureau that I do not owe this amount. I would like for XXXX XXXX to quit lying and reporting false information to the credit bureaus. and take the false information off of my credit report.. I dont see how this company is allowed to get away with this fraudulent behavior. I would like this payment immediate removed off of all three credit bureau reports because I do not owe them any money and have not had a car payment from them in over 7 years.
Complaint sub-issue: Debt was result of identity theft

Firstly, I am writing this complaint on my own behalf. There is no 3rd party involved. I am a victim of identity theft. VANCE AND HUFFMAN LLC is attempting to collect a debt on behalf of XXXX XXXX XXXX. Both of these companies are reporting the same alleged debt on my credit report in violation of my consumer rights. I have asked for validation of debt from both companies. Only VANCE AND HUFFMAN LLC responded. They sent me signed contracts and other information. The person on the driver 's license that initiated the credit is not me. I have sent multiple letters with the police report describing the robbery I was involved in where my wallet was stolen which contained my social security card, driver 's license, along with other sensitive personal information. I have also sent them a copy of my current driver 's license multiple times in dispute of this alleged debt. This one debt is still being reported to my credit report multiple times. It has been very damaging to my reputation and my ability to secure credit. Also this alleged debt is over 7 years old and shouldn't even be reporting to my credit report.
Complaint sub-issue: Reporting company used your report improperly

Nothing has been done on these accounts. There are numerous violations showing on my report. There are accounts that Equifax stated, were deleted, after their investigation. However, they are still showing on my report well over a month after they completed their so-called investigation. Also there have been XXXX accounts added by XXXX, after their investigation, that were not reported previously. These are accounts that are several years old, that the other XXXX were reporting already. I have called all three Bureaus to dispute these issues and all I am told is that I basically have no control over what is done because they can report whatever they want. They would not tell me who did my investigation and I want all the information pertaining to the investigation they claim to have performed. I want the name of my XXXX, their role in the company, who they spoke to, and if they contacted everyone that they are legally required to contact according to the FCRA. I will be notifying the Attorney General over this and I will be seeking litigation if nothing changes. How can my credit report be accurate if all three Bureaus are reporting something different? I have documented all the violations over the last 5 months, and I am prepared to take things to the next step legally to make sure that all the information on my credit report is accurate.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Account Details Account status Closed Type Mobile Home I have never had a mobile home nor manufactured home. This account is not mine
Complaint sub-issue: You never received your bill or did not know a payment was due

The credit card company has reported 3 late payments on my account from XX/XX/XXXX - XX/XX/XXXX, when I had supposedly been on autopay. My account has no further errors and always remains in great standing.
Complaint sub-issue: Account information incorrect

This is a continuation of account number XXXX, submitted on XX/XX/2021 closed on XX/XX/2021. 

Although the letter received from the company ( XXXX XXXX ) states that there indeed WAS a mistake and the account was duplicated and would be corrected, I have since received letters stating that there was not an error and no corrections would be made.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent account : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.
Complaint sub-issue: Don't want a card provided by your employer or the government

Received a pre-paid USBank ReliaCard. Upon research, it indicated it was state unemployment benefits. I did not apply for this. I went to the usbankreliacard.com website and filled out the form, inquiring why I received it and how to turn it back in. The site indicates we would hear back in 30 days. We have yet to receive any information, so we do not know why I received the card. There are several concerns : why was it sent, did someone apply for it without my knowledge, how do I turn the card and hence the money back in and why have I not heard back about my concerns?
Complaint sub-issue: Debt is not yours

UHG claims I owe them money and I have NEVER went into a contract with them. They are a bulk debt buyer and along with 3 other companies have claimed that I owe them money. I have sent them a cease and desist letter along with multiple debt validation letters. They refuse to send me an original contract. They have claimed to serve my father on XX/XX/XXXX however my father passed away XX/XX/XXXX. They have harassed my family and I multiple times. I have contacted XXXX XXXX XXXX XXXX ( the original creditor ) and they state that I don't owe them money either because my account has a {$0.00} balance. I have contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. According to 12 CFR 1022 subpart E, I am challenging the accuracy and integrity of the information.
Complaint sub-issue: Reinserted previously deleted info

The reason for my complaint is a certain account has been " re aged '' on my credit profile with Equifax. The uploaded filed below will show detailed information of my findings. In report confirmation # XXXX labeled XXXX it shows the date of first delinquency as XXXX. On XXXX/XXXX/XXXX the file was deleted from my credit report Equifax confirmation # XXXX labeled XXXX. On the file labeled XXXX, the dispute response it was reported as XXXX as the date of first delinquency. Lastly on my reason for initiating the dispute was that on XXXX/XXXX/XXXX the date of first delinquency is reported as XXXX on file labeled XXXX. After speaking with a supervisor at Equifax I was told to call XXXX where a person named XXXX, who 's identity can only be verified to me as the only XXXX in the recovery department rudely explained my date of first delinquency that he can see is in XXXX of XXXX. I then called Equifax back who after escalating the call multiple times explained that it is okay because it will now fall off in XXXX. She was kind and later explained to file a complaint with the Federal state commission and forwarded me to your agency.
Complaint sub-issue: Account information incorrect

According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report in line with the consumer 's written instructions. I would like to state that XXXX is in breach of this provision. The following accounts were never reported on my consumer report by XXXX with me as the consumer 's express authorization. 

Consumer : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XXXX date of birth : XX/XX/1990 XXXX file number : XXXX Accounts 1. XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : all accounts associated with this company 3. XXXX XXXX XXXX XXXX : all accounts associated with this company Identity theft occurs without consent. I've included a report on identity theft that claims they are being falsely provided on my credit report. I demand that these errors be taken out of my consumer report. I would start to lose trust in the financial system if these mistakes weren't fixed. In accordance with 15 USC 1681 ( a ) ( 1 ), I would like to state that the banking system dependent upon fair and accurate consumer reports. XXXX is breaking the law by allowing these accounts to appear on my consumer report. Once these illegally furnished accounts are removed ; XXXX must inform the other two credit bureaus. Hopefully this can be done without me having to file litigation.
Complaint sub-issue: Didn't receive enough information to verify debt

I sent 2 separate letters on XX/XX/2021 and XX/XX/2021 to MRS BPO LLC to validate an account that they alleged that I owe. There was no response. As a consumer I have the right to request verification/validation of account and this company is violating my rights This company is reporting a XXXX XXXX account that is not valid. Theres a lot of information that is reporting inaccurately on all 3 credit bureaus. This is a violation under the FCRA.