Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have contacted this company on multiple occasions informing them that I need verification of the debt or have it removed off of my credit. The item was removed as they were unable to verify the debt with me or the major credit bureaus. They then readded the debt back on after a few months. I've recently contacted them as of XX/XX/2019 in an effort to have the debt removed once again for failure to verify the debt. I sent a certified letter to the company 45 days ago and another one on XX/XX/2019 after not receiving proper verification from the company once again. I have attached a template of the letter 1 that was sent and as of recent letter 2 that was sent for the company to verify.
Complaint sub-issue: Didn't receive notice of right to dispute

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  / {$2800.00} / XX/XX/2021 XXXX XXXX {$0.00} / XX/XX/2021 XXXX  / {$0.00} / XX/XX/2021
Complaint sub-issue: Information belongs to someone else

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 Equifax. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Complaint sub-issue: Reinserted previously deleted info

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 

XXXX : :XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXX : :XXXXXX/XX/XXXX
Complaint sub-issue: Debt was paid

I debt was paid as agreed and on time. They show it as COLLECTION ACTION PAID. That is not accurate. That needs to be removed from all credit reporting agencies XXXX ALPINE CREDIT INC # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CO XXXX ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have notified Equifax that I am a victim of identity theft numerous times, there are accounts on my report that are not mine and are showing on my report in error. I XXXX XXXX am not a third party.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX- Constant calls related to debt. We advised we do not have, nor had this credit card. To stop calling. as of XX/XX/XXXX we continue to receive calls related to this debt. We now receive written debt collection of said debt. I have sent a certified letter on XX/XX/XXXX to cease communication on this unsubstantiated debt we do not own. 

In addition, this debt is over 10 years old. well beyond statue of limitations in NYS. 
We will also be contacting the three credit bureaus to identify this debt as fraudulent and the attempt to collect to be the same. 

We ask for your help to eliminate this deception to collect a debt by XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Complaint sub-issue: Debt is not mine

A telephone call came in from a collection agency stating I owed {$400.00} for a magazine subscription. I asked what magazine company is it and why have I not been receiving monthly bill if thiswas the case. They would not answer my questions and raised their voice at me. Since then I have received mail/bill from them. 
They said that the credit companies would be notified.
Complaint sub-issue: Talked to a third-party about your debt

Alltran Financial , LP on behalf of XXXX XXXX XXXX XXXX has been, for the last four weeks contacting two of our tenants located in New York regarding this account. The phone numbers they called were XXXX and XXXX. Alltran repeatedly contacted these two tenants for the last four weeks regarding this account. The last contact was made today XX/XX/XXXX.
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I contacted Alltran today XX/XX/XXXX and spoke with XXXX who CONFIRMED that yes they were contacting these two numbers because they needed to speak with me.
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I asked them how they got this information and he stated he did n't know how his company obtained the information.
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These two people ARE NOT related to me and should not have been contacted in the first place as XXXX XXXX XXXX was notified of our Chapter XXXX filing when we returned the leased vehicle.
Complaint sub-issue: Account terms

I pulled my credit file on XX/XX/XXXX and realized none of my accounts on my equifax report had updated since XX/XX/XXXX. I called each of my creditors showing on my report and wzas informed by each of them that the had been sending my credit file monthly to equifax. I called equifax on XX/XX/XXXX and informed them this was going on and that my file for the last year none of my accounts had updated my credit limits, balances or payment history since XX/XX/XXXX the rep informed me that she had matched up my information in their system and it would update within 24-48 hours. The following week I pulled my report again and my info still had not updated, I called equifax back on XX/XX/XXXX asked for a supervisor I was put on the phone with XXXX ( a supervisor ) she told me every account that was listed on my credit file had stopped sending them updates in XX/XX/XXXX. I informed her that I had statements from my creditors that stated my history with them that they had been reporting to equifax she informed me the only way they could update my credit file is if each of my creditors called them and they updated my file through there business dept my creditors informed me they do n't do that they only send electronic files. Equifax has refused to update my file even after sending them the letters from my creditors stating my credit limits, balances and payment history
Complaint sub-issue: Information belongs to someone else

After receiving my credit report, I am not happy to see the below items they are is inaccurate and erroneous
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting this negative information. 

An investigation needs to be done regarding XXXX abusive and reckless method of verification process. 

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed. 

The following information is being reported inaccurately, falsely and unfairly by Equifax. 

XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 
XXXX XXXX XXXX XXXX # XXXX ... 

I don't ever recall paying any of these accounts late/after the due date. 

Attached to this complaint, you will find Equifax 's admission to me of how they investigated my disputes. This method they use is faulty and enables a fraudulent account to be placed on my credit file and also enables inaccurate credit reporting. 

Equifax is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Equifax 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Equifax to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Equifax who verified the dispute with XXXX XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Equifax can not send me these simple items, then I demand the accounts be updated to PAID/NEVER LATE. 
I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 

Equifax must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX v Equifax XXXX v XXXX/Equifax XXXX v XXXX ( Equifax ) The Equifax data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent and inaccurate accounts it may create for consumer credit reports! 

At this time, Equifax does not need to falsely verify these accounts again. The only acceptable thing they need to do now is to update them to PAID/NEVER LATE immediately! 

I demand to see Equifax 's method of verification and the documents they relied upon to verify these accounts at the time of my dispute regarding these particular accounts as per the FCRA.
Complaint sub-issue: Account status incorrect

XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this XXXX credit card. My company is a non profit and My business office closed due to the pandemic! So I never saw any mail regarding this card. I take pride in my credit and have NEVER paid any account late. This particular card was not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I later received notification from XXXX by email to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a XXXX regarding the XXXX XXXX  late payment. The account closure email is what alerted me. XXXX never emailed regarding late or missed payments.
Complaint sub-issue: Old information reappears or never goes away

A debt has been illegally reaged on my credit report again. I disputed it previously with Equifax and it has magically reappeared. 

The information on the debt is : Creditor : XXXX XXXX XXXX Amount : {$360.00} Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX This debt is 7+ years old. I have moved from XXXX so there is no way that this is accurate.
Complaint sub-issue: Account status

on XXXX XXXX 2016 I requested for equifax to remove the following accounts XXXX # XXXX XXXX XXXX XXXX XXXX/2016.because according to the consumer credit reporting reform act of 2016, which state all negs, paid/settled accounts should not stay on a consumers credit report after 45 days after payments.attached to the request was XXXX XXXX for XXXX and XXXX for XXXX XXXX XXXX to show filed date.
Complaint sub-issue: Their investigation did not fix an error on your report

hi i made a complaint on XX/XX/22 complaint ID # XXXX about inquiries that is deem fraudulent and my inquiries were not removed upon the investigation. I request a reinvestigation under 15 USC 1681A Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Account information incorrect

FIRSTMARK/XX/XX/XXXXXX/XX/XXXXaddedremarksas"affectedbynaturaldisaster''onmyaccountthoughI'mnotaffectedandI'mmakingon-timepaymentstilldate.Idisputedthisremarkwiththebankthroughbureausbuttheyreturnedbackthisremarksasaccurate.
Complaint sub-issue: Sued w/o proper notification of suit

westersky gave the loan to cashcall with gave the loan to delbert servicei have been get threateding phone call XXXX that is calling from XXXX group ( XXXX ) XXXX say that i need to contact or my lawery because some serious allegations was filed. she has been call me employment and cell phone and know they started to call me husband. they told me husband that this call on the behalf of delbert service. and left him the same message. this lady has called for XXXX weeks straight. know i am getting threating calls for a XXXX states a file was giving to her and that i need to contact there office and that is is only notify me and that i have till XXXX XXXX and that XXXX XXXX XXXX bewteen XXXX and XXXX they are going to me place of employement or home. and top take that i been served
Complaint sub-issue: Information belongs to someone else

My bank called me and told me there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made a account with XXXX  XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$1200.00} DEPT OF EDUCATION/XXXX  XXXX {$26000.00} XXXX XXXX XXXX {$400.00} XXXX/XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DISCOVER BANK and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and DISCOVER BANK, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Debt is not yours

I requested validation of debt via live signature contract and I received no information back regarding validation of debt.
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance. An as I stated Equifax, XXXX, and XXXX has done such without consent.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX 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

The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there is still account on my file that needs to be repaired. For that reason I request that f the attached inaccurate information listed in my credit file be FIXED immediately. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXXXXXX.
Complaint sub-issue: Information belongs to someone else

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Complaint sub-issue: Was not notified of investigation status or results

As I reviewed my recent report, I have found a lot of erroneous information reporting on my EQUIFAX Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$640000.00}
Complaint sub-issue: Can't use card to make purchases

I had opened a case up a couple of months ago explaining the same issue I'm about to explain today, klarna resolved my issue once I opened a case up with CFPB but my Klarna account has reverted back to not allowing me to make purchases even though I have buying power available and I have made no changes on my personal information to cause my purchase thru Klarna to be declined. If you could please help me get to bottom if this once and for all, please this is so frustrating and ridiculous why my account has to continue to be locked up whenever they feel like freezing it for no good reason and then it's like pulling teeth getting them to fix it. Please help me with this.
Complaint sub-issue: Debt is not yours

I have no clue who this is and also they are breaking the law by reporting false information and damaging my credit. This account says it was opened over 7 years ago and that alone is past the statue of limitations right.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2017 a fraudulent loan was taken out in my name in the amount of {$20000.00} and it was put onto my credit report. I contacted the company that issued the loan ( XXXX XXXX XXXX ) and also the 3 major credit reporting agencies XXXX, XXXX and Equifax and disputed the charge as fraud. I sent all 3 agencies the police reports and notarized fraud affidavits. XXXX  and XXXX immediately removed the fraudulent account from my credit. Equifax did not so I disputed the charge again and resent my documentation. Again they refused to remove this item from my credit stating the account was verified as accurate by the creditor ( XXXX  XXXX XXXX )
Complaint sub-issue: Reporting company used your report improperly

Americollect agreed to send a letter to all credit reporting agencies to remove and they have not stood by that agreement. 
I have filed a complaint before on this company. 
I have a copy of the letter from Americollect agreeing to remove the debt. 
It has been over 30 days since I received the agreement to remove from the collection agency.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 I checked my credit report and saw many unauthorized credit report inquires. One of them being Citi bank on XX/XX/2021 and XX/XX/2021. I recently was a victims of mail theft in which they were able to obtain my birth certificate and VA letter containing my SSN along with other mail. They stated they would flag the application as fraud and would send me a packet in the mail stating it was canceled. However, I still have this fraudulent credit report check on my credit that I did not authorize. I have made a police report of the identity theft with the local police as well as the FTC. There is currently a freeze on my credit report that I have placed as well.