Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I received an email from XXXX XXXX telling me that a new hard inquiry showed up on my credit report and that it lowered my score. I was very shocked at this because I had not done any recent activity that wasnt already reflected on my credit report, and so I went to investigate. I received a hard inquiry on XX/XX/XXXX by a loan company called Flagship Credit Acceptance, a company I had never heard of or used before. I was looking into personal loans a couple days prior to this, but I NEVER submitted a formal application to any company, much less a company Ive never heard of before. 

I emailed Flagship Credit Acceptance on XX/XX/XXXX and asked them to dispute this unsolicited hard inquiry with the XXXX XXXX credit bureau so that my credit score could return to what it was before they wrongfully affected it. I was quite upset at this and so I also decided to call Flagship Credit AcceptancXXXX on XX/XX/XXXX to try to resolve the issue sooner. Flagship Credit Acceptances phone line requires you to have an account made with them in order to speak to a customer service representative. Now, as I said before, I have never been associated with or used this company so of course I do not have an account with them, and so I was unable to speak to anyone to get this problem fixed. 

Flagship Credit Acceptance finally emailed me back on XX/XX/XXXX, but apparently they are not allowed to discuss certain information through email and they said that I had to call them. Verbatim the email said : Thank you for your recent email. Flagship Credit Acceptance does not have a secured email. For the protection of our customers and Flagship we are unable to email information. Please contact customer service at ( XXXX ) XXXX. 

This is the exact number I had called the day before, so obviously this company is putting me through a loop that is preventing me from reaching them.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I tried submitting an investigation to Equifax Credit reporting agency about collections that are on my account that has been paid and that are not mines. Equifax online and over the phone dispute process will not accept the inquiries and kicks you out the system. I called and tried speaking to a live agent with no success. The hold times are continuous and no one ever picks up. This happens every time I attempt to resolve this problem.
Complaint sub-issue: Investigation took more than 30 days

CRA is in violation of FCRA, FDCPA and XXXX XXXX compliance..
Complaint sub-issue: Personal information incorrect

I have incorrect addresses reported on my credit report, that have accounts attached to them that are not mine. 

The following addresses on my credit report, I have NOT lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with customer service

I closed my Citi XXXX XXXX credit card account in XXXX and disposed of the card. For an investigation unrelated to Citi in XXXX XXXX, I accessed my account to request historical statements. When I was notified in XXXX XXXX that the historical statements were available, I was unable to login with my usual credentials. I tried to reset my password but because I do not have the card number -- I threw away the closed card -- Citi refuses to work with me to get my password reset so I can access my online account. I have been more than willing to provide SSN and other information to confirm my identity but Citi has refused. I don't even care what the account number is ; I have my username and just want to reset my password and Citi has refused to help me whatsoever.
Complaint sub-issue: Public record information inaccurate

I have called XXXX and Equifax at least a dozen times each in the last 24 hours, in an attempt to resolve a negative public record issue on my credit report. I have spent half of the time on an automated system, unable to reach a live human being. The other half was spent reaching a live human being, outsourced from XXXX. The customer service representatives were professional, but the language barrier made it impossible for us to communicate. I had often had extreme difficulty understanding the representatives broken English, and in like manner, the representatives did not understand my issue, nor my plea for a resolution. I was at one point instructed to " go to the courthouse ''. Needless to say, the federal courthouse advised that this was an issue outside of their wheelhouse.
Complaint sub-issue: Didn't receive enough information to verify debt

On XXXX, XXXX I sent two debt validation letters for two different accounts to AR resources. I Requested that this company send me proof that I owe them money regarding two accounts. The amounts of the accounts are {$480.00} and the other being {$970.00}. 

On XX/XX/XXXX I received a letter that a contained two bills! Bills that did not prove that this was my debt and that I owed this company any money. 

On XX/XX/XXXX I sent a failure to validate letter to AR Resources ( via certified mail ). Requesting that AR Resources, Validate the debt they claimed I owed for a second time because they failed to do so the first time. 

On XX/XX/XXXX at XXXX AR Resources received my letters. 

On XX/XX/XXXX I have yet to hear or receive anything else regarding the accounts. " Estoppel by Silence '' legally means that this company had a duty to speak but failed to do so therefore I will like for theses accounts to be deleted.
Complaint sub-issue: Other problem getting your report or credit score

I keep complaining to equifax they wont remove hard inquires that that was listed on the identical theft thee are hard inquiries from. XXXX that are not consensual and. I need to get paid {$1000.00} for removing them after 4 complaints
Complaint sub-issue: Information belongs to someone else

I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
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 : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account XXXX : XXXX As a consumer by law, this account must be deleted immediately Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud. This account is also a duplicate acc Account Number : XXXX As a consumer by law, this account must be deleted immediately
Complaint sub-issue: Card was charged for something you did not purchase with the card

It's supposed to take me 10 days to get a credit of provisional credit I haven't gotten a provisional credit and they trying to make me wait 16 days and I've been with direct express since 2011 and I have to pay bills and I don't have money to pay bills or eat
Complaint sub-issue: Information belongs to someone else

The accounts below do not belong to me. They must be removed immediately. I asked the credit bureaus to furnish proof, provide my signature on any of these loans and they still have not. By continuing to report this they are arresting my ability to maintain employment and conduct commerce. I will file a lawsuit if they do not remove these items IMMEDIATELY! 
XXXX XXXX  XXXX XXXX XXXX - Balance : {$91.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$53000.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$3600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX - Balance : {$1300.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX XXXX - Balance : {$1600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  - Balance : {$100.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$5000.00} Date Opened : XX/XX/XXXX ; XXXX - Balance : {$250.00} Date Opened : XX/XX/XXXX ; XXXX XXXX - Balance : {$1100.00} Date Opened : XX/XX/XXXX ; Chapter XXXX Bankruptcy - REMOVE IMMEDIATELY Date Opened : XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

Equifax is suppose to resolve a dispute in 30 days. They have abused this and still have it pending after 4 months and it does not seem like they are following the Fair Credit Credit Reporting Act rules, FTC and CFPB violations. 

More than four months ago, I asked Equifax to hear my dispute with XXXX XXXX XXXX XXXX regarding a " charge off '' that was paid before the alleged charge off took place. Initially Equifax advised me they needed another 30 days. I have heard nothing in over two months. 

This has embarrassed me and my wife ( whose credit rating is perfect and she is a co-borrower on the disputed issue ). This delay affected my ability to get a timely VA refinance on my home. 

Please discipline Eqifax and require them to come into compliance with FTC and CFPB rules.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. This company fails to remove fraudulent account from my report even after notified that the account is fraudulent. I have never opened this account. Someone else used my identity documents to open this account. I sent this company my dispute letter on XXXX.18 and attached with it Fair trade commission report and police report in regard to identity theft but to my surprise they refused to delete this fraudulent account In accordance with the Fair Credit Reporting Ac : 1.XXXX. AC # XXXX This Account is not mine and is Linked to fraudulent I have enclosed 1.a copy of the dispute I sent to them on XXXX15 2.a Police ID theft report and 3.an FTC ID theft report.
Complaint sub-issue: Debt is not yours

Equifax in unwilling to give me a copy of my report although I have been told there is negative information contained therein and I have not requested a copy in well over a year.
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax, and XXXX have all been notified of my identity theft report to the Federal Trade Commission. I have specifically notified them that accounts being reported on my credit report by : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX For fraudulently obtained credit cards need to be removed under the FCRA. They have wrongly claimed that they have " researched '' the issues. Their research has been negligent and they are causing me harm by continuing to report this false information.
Complaint sub-issue: Old information reappears or never goes away

Name XXXX XXXX I want a consumer report for myself it is a few things I want to dispute with banks early warnings services social security number XXXX my address is XXXX XXXX northcarolina mail address XXXX XXXX XXXX XXXX  northcarolina XXXX the zip code is XXXX with both address I have a newyork address to if need it reply back I want to dispute every thing you have on my consumer report it is checks I deposit and they say the checks was deposit once in the bank already that is not true only once one bank someone deposit a check in my account that one I do not no about that did finish complaint with you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  US Bankruptcy XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written insrtuctions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly ( 120 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages 6, 7, and 8 of the attached credit report. ) This account has been paid in full since XXXX, 2019 and should not be reporting on my credit report. This account has been closed. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score.
Complaint sub-issue: Information belongs to someone else

Back in XXXX, XXXX, I became a victim of identity theft, My information was used to enroll in a XXXX college, XXXX University. My personal information was used without my consent. I did n't give anyone the autorization to use my social security number an birthday to take out money for student loans.. The person, that use my social security number and birthday, used a boguish name also. Also, at the partically time the loans was taking out, i didnt have a XXXX XXXX XXXX nor a XXXX. I want want this problem to be disputed an to be dissolved, because, it is affecting my credit score. I am being harrassed by collection agency and my wages has been threaten to be garnish. I cant even attend school to better my life because of the student loans being in default. I have tried to work this matter out with the Dept of education, i have sent in all the documents they asked me to. the denied me, saying i am respsonible to pay the money back. I dont think its fair, that i have to pay money back that i have never seen nor touched.
Complaint sub-issue: Threatened to sue on too old debt

On XX/XX/XXXX, I received a voice mail from a lady named XXXX around XXXX and on the voice mail she threaten to take legal action if I did n't return her call by XXXX. She left XXXX numbers on the recording : XXXX and XXXX. Because of the threating tone, I told my XXXX husband, XXXX. I provided him with the phone numbers because I was experiencing mental anguish over the nature of the call and had not gathered my composure. He called and XXXX XXXX answered the call. XXXX XXXX was rude and told me that she was calling about the debt associated with a discover card account # XXXX in the amount of {$2900.00}. I indicated that we both had experienced episodes of identify theft and I would like to speak to her supervisor. At that time, she placed me on hold and I was able to speak to XXXX XXXX XXXX. I asked XXXX XXXX when was this debt incurred and she stated that the account was open on XXXX and closed XXXX. When I asked XXXX XXXX why was she attempting to collect a debt over eleven years old, she stated that her company just got the account. When I told her that she was not following federal guideline as a debt collection agency, she became irate and evasive. I asked to proof her identify by reciting her driver 's license and she refused. I told her that she had not validated the debt. I told her to show proof that the debt was assigned to her collection agency along with the date and by whom. XXXX XXXX hung up the phone. In fact, the phone was hang up on me XXXX or XXXX times each time I called back. After getting off the phone, I told my XXXX wife that someone is conducting an illegal investigation into our credit background. I asked my XXXX wife did she know anything about the debt and she told me that that account was dissolved in bankruptcy court in XX/XX/XXXX. After this incident, I researched this collection company, XXXX XXXX XXXX, and found the owner to be XXXX XXXX and that the company was bonded XX/XX/XXXX. As with a similar complaint on file with your agency # XXXX, this above named collection agency had no legal standing to attempt to collect a debt that was already liquidated and well out of the statute of limitations. Please have XXXX XXXX provided his occupation over the past twenty years and the name of the individual, his affiliation, his company, the creditor who forwarded this account to his collection company. Also, please have XXXX XXXX provide documented proof that this debt was assigned to him by the original creditor, a workable phone number to reach said individual and the driving license number of said person, and again the date that this debt was assigned to his company. The request for a driver 's license of the person who transferred this debt is significant because we believe that this is a bogus and fraudulent attempt to collect a debt and it violates the fair debt collection practices. 

XXXX XXXX and XXXX " XXXX '' XXXX
Complaint sub-issue: Reporting company used your report improperly

HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( XXXX XXXX, EQUIFAX, XXXX ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquiries on my credit report that are not mine, I know that there was a data breach and my personal information was compromised. I have a whole list of inquires that were made by an unknown source. These inquires were not made by me. I am a victim and it has truly hurt my credit score. 

I have provided the list of inquiries that were not mad by me. 

XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX