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

I received a letter in the mail ( XX/XX/XXXX or XXXX 2019 ) from Equifax information Serivce LLC they werent going to look into three different accounts this is after I submitting my complaint to the CFPB on XX/XX/2019. I Certified mailed A dispute to Equifax personally back on XX/XX/2019 which was totally two separate disputes. One dispute was personal one on one directly with the company ( EQUIFAX ). Other dispute was to CFPB ABOUT equifax. WHY? wont you reinvestigate the items on my first dispute andbor the dispute sent to cfpb? They havent provided me with the information I requested. I asked for the break down on who they were contacting ( creditors/name etc.. ) which they arent providing I asked for how they were contacting them ( phone, mail, fax, email did they walk to the business and get the information? ... ) which they havent provided I have asked them to provide the proof from whoever their contacting and there stating that the information is verified I want copys of the information your obtaining since you keep telling me ALL this information is VERIFIED these are separate complaints which require separate investigations ; you will not deny me my rights or I will be forced to take legal action. XXXX XXXX is not a source. They are not creditors. that are reporting this verified information shouldnt be coming from them. These companies are paying you to report on people and your using XXXX XXXX to verify someone elses report on me this isnt making sense. I have sent XXXX XXXX XXXX a validation letter ( XXXX XXXX ) ( they signed for it on XX/XX/2019 ) no response back yet. XXXX XXXX XXXX sent them a validation letter ( XXXX XXXX, CA address ) the mail was forward back to me. Tried their ( XXXX XXXX, CA add ) they replied back with a bill ) so what creditor are you actually verifying these accounts with???? Your using the XXXX XXXX system and your not legally investigating my complaints. This XXXX XXXX XXXX ( XXXX ) account tried to send the validation letter they sent it back too. I did more to investigate than the actual credit bureaus. DELETE THIS STUFF OFF MY CREDIT REPORT immediately. Youre not to deny me an ACCURATE investigation for each separate complaint if the investigation was done right when I sent it directly to you I wouldnt have to file a complaint to CFPB.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Other problem getting your report or credit score

XXXX  to raise my credit score. 
I now have a paid in full account as of XX/XX/2019 with XXXX XXXX. 
XXXX to update my credit score to higher!! 
Please send me proof this was done today -- my credit report and score.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters requesting method of verification for erroneous items on my credit report. I ask for specific responses as well as details of proof an investigation was conducted. I was completely ignored by the company, and my request was not fulfilled. Furthermore the erroneous items on my credit report remain.
Complaint sub-issue: Was not notified of investigation status or results

1.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
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is in violation of Federal Law, please see my intent to sue letter and exhibits
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX Credit Card {$1500.00} Closed acct was current XXXX XXXX Credit Card {$160.00} Closed acct was current XXXX XXXX {$1700.00} filed suit against me Case No. # XXXX Justice of the Peace No. 4, Place 2 in XXXX XXXX, Texas on XX/XX/2019 Plaintiff XXXX XXXX XXXX XXXX. They closed this acct I may have been late less or greater than 30 days. Sears Credit {$600.00} Closed acct was less than 30 days late when closed. Sears Master Card Credit {$1200.00} closed acct was current.

Sears Master Card Credit {$1000.00} closed acct was current.

XXXX XXXX Credit {$1200.00} XXXX XXXX Card {$600.00} XXXX  Mastercard {$2700.00}
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 report agency can not furnish a account without my written instructions
Complaint sub-issue: Talked to a third-party about your debt

I sent MACYS/XXXX multiple certified and notarized dispute letter with no response. MACYS/XXXX has violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. MACYS/DSNB has been willful noncompliance and in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. MACYS/XXXX has oppress me by allowing this collection to be on my account stopping me from receiving services and goods. Also harming my reputation by dropping my credit score.
Complaint sub-issue: Received bad information about your loan

I'm writing this letter on my behalf, regarding my hardship denial. I am aware that I was denied due to my hardship not being turned in on time. The basis of my complaint is there were several different representatives that were providing contradicting information on the proper protocol and exact instruction and nature of the hardship appeal process. The offset was posted on XX/XX/19. I had within 30 days to have that in and you received my hardship on XX/XX/19 3 days after. Upon my request for the hardship I spoke with more them 1 representative on the day of XX/XX/19. Trying to get clarification on the process because I was told something different each time. The original offset letter was sent to the wrong address twice interfering with the 30 days I had to submit the application. Due to the fact of giving me misrepresented information my application was received 3 days late. I understand the decision was made on XX/XX/2019. However, I understand there is accountability to remedy issues that cause clients financial harm and extended hardships. I was unable to act according to the protocol because the information provided was in fact not accurate yet provided by the agents of U.S. Department of Education ( customer service representative ). 
I was facing eviction at the time and because of me not receiving my refund, I lost my home. I'm currently experiencing homelessness. Living in my car since XXXX. I have an XXXX  XXXX that affects me working at times, which Im currently going through. I was looking to my refund to help with catching up on bills and establishing housing. I was unable to do that and suffered a financial injury due to bad information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My equifax credit report shows a hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/2018 which i do not recognize. I have paced a fraud protection watch through equifax. There is no contact information for the company checking the report
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted letters to all three credit bureaus, XXXX, Equifax, and XXXX, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with XXXX with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed the dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a ( 30 ) day late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I never received this statement in the mail and when I realized that I never got it, I immediately called and made the payment. I was assured by the representative that there would be no late reported and that the account was still in good standing. I have never missed a payment on this account and this late payment that is reporting needs to be removed. This false reporting of a late is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Problem getting your free annual credit report

Today, XXXX XXXX,2017, I tried to access my Equifax report through the official website, XXXX. After completing the requested information I received a message that they were unable to access my information on-line. No reason for this was given. It was further suggested that I should request the report is writing. This I do not want to do as it will take such a long time to get the report, especially right now during the Equifax data breach. So, I decided to see if I could get the reports from the other 2 sources. I successfully accessed my XXXX report, but not the XXXX report. I received a message from them that they could not access my information and that I should try again later. When I went back to the starting page to try again each of the sources was checked off as if I had gotten the reports. This was confusing. I need to know whether or not I will be able to get the other 2 reports later or will these unsuccessful attempts to get my reports be considered my annual requests and, therefore, prevent me from getting the actual other 2 reports.. It was annoying to have to reenter all of my personal information each time I went back to the beginning to try again.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022 to remove XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I started being frauded on XX/XX/XXXX XXXX for XXXX at Best Buy in XXXX New Mexico. I was not aware of being frauded until I received a notification from XXXX XXXX  of a balance increase on my best buy card. So, I contacted customer service and found out there was 2 other transactions purchased at the same store in XXXX New Mexico. I informed them I live in XXXX Arizona, and I did not make these purchase. They said they were going to start a fraud investigation and I would not be responsible for this purchase. I received a letter stating they were permanently shutting down my account and I owed XXXX and turned me into the credit bureaus for 30 days no payments. I have contacted Best Buy and Citibank to correct this issue and they say it have been taken care of and it has not. I have been marked on my credit report to a 30 day no pay and closed my account for being a victim of fraud. I am asking for help to resolve this outstanding balance that I am not responsible for and to fix the credit reports they have marked negatively.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX is reporting information on XXXX XXXXXXXX account that is incomplete and inaccurate. I never gave EQUIFAX written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.
Complaint sub-issue: Information belongs to someone else

To whom it may concern : Suspicious activity in my mail made me think that my identity had been stolen, then short after I realize, started to check my credit, to my surprise there were a number of account that I don't know of. Please help me to resolve this by removing these fraudulent accounts.
Complaint sub-issue: Unexpected increase in interest rate

On XX/XX/XXXX US Bank offered me a visa credit card that only could be applied within the bank that's how bank employee made their monthly sales quota. The person that I had lied about the percent rate she said it was going to be zero interest rate for 15 months and after that it would be 9.9 percent to my surprise it was 24 percent, I told them many of times that it was fraud committed within the bank. I made over 50 calls trying to resolved this matter I tried to get them to lower my interest rate but they wouldn't help me. They keep saying your account is in good status you have to be delinquent to get a low interest rate. I told them I can not afford to make the payments at that rate they refused to help me I spoke managers and supervisors I obtain a police report XX/XX/XXXX hoping that would help but no they messed my credit report up I ask them to take some of the interest off my account and remove it from my credit report I was trying to work it out with them so I can a payments. On XX/XX/XXXX I spoke with a supervisor she said the bank file a complaint on me. The collection representative was yelling at me and talking smart I told her I will hang up on her she said hang up. Then I call her a name this situation is causing me a lot of stress pain and suffering please help me.
Complaint sub-issue: Reporting company used your report improperly

To begin with, I did not authorize or give consent to XXXX or any other agency to furnish information related to me. 

I XXXX XXXX, have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Following these harassing phone calls, I performed a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 

Please be advised that the companies performing the harassing phone calls are listed below. 
1 ) XXXX XXXX XXXX / {$560.00} 2 ) XXXX XXXX XXXX / {$14000.00} 3 ) XXXX XXXX XXXX / {$14000.00} 4 ) XXXX XXXX / {$2900.00} 5 ) XXXX XXXX {$5100.00} 6 ) XXXX XXXX, XXXX / {$9100.00} 7 ) XXXX XXXX XXXX / {$300.00} 8 ) XXXX XXXX, XXXX / {$280.00} 9 ) XXXX XXXX XXXX / {$10000.00} 10 ) XXXX XXXX / {$1100.00} To repeat, these transactions occurred without my permission. 

I would like to request removal of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.
Complaint sub-issue: Information belongs to someone else

I just want those fraudulent account off my credit report so I file a ftc report and upload the documents
Complaint sub-issue: Problem cancelling or closing account

According to XXXX through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.
Complaint sub-issue: Account status incorrect

Equifax is allowing XXXX to report inaccurate information on my credit report. XXXX is reporting that I have open accounts with them with outstanding balances. These accounts have been discharged through Bankruptcy in XXXX 2013. I 've reported this to XXXX, XXXX and Equifax. Equifax is choosing to ignore me and allow XXXX to report inaccurate information. I 've sent my discharge paperwork to ALL three Credit Agencies and XXXX but only XXXX  and XXXX are responding. This problem has been going on for the past 3 years.
Complaint sub-issue: Information belongs to someone else

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. XXXX XXXX Balance : {$7100.00}, XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXXXXXX Balance : {$990.00}, XXXX on Equifax, XXXX, XXXX, XXXX of XXXX.
Complaint sub-issue: Debt was result of identity theft

I have been dealing with this false unauthorized debt of XXXX XXXX since 2017. I have sent numberous disputes with the credit bureaus. I have contacted XXXX wireless myself and have gotten no progress. I have reported this as identity theft ever since my personal information, passport, social security number, passwords and all my personal information has been compromised. This has been a ongoing issue as I ha e no knowledge nor did I ever open a. Account with XXXX.
Complaint sub-issue: Used obscene, profane, or other abusive language

My account number is XXXX. OnXX/XX/XXXX I called into XXXX XXXX XXXX and I spoke to a XXXX at XXXX. She started the call asking for my Social security number and then provided me with my first and last name. She refused to assist me and stated that she would not approve a payment plan for me because I would not give her personal information. I stated I what I could pay however she would not set anything up for me. She was unclear and would not answer my questions on what would happen to my account. I asked to make a payment and while I was walking to my wallet she laughed at me and was very rude/unprofessional. I called back and talked to a XXXX at XXXX he did not ask for my name or social security number and provided me with my account number over the phone. I am concerned about information released and the fact that the company refuses to assist their customers. XXXX did not even attempt to help me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i have contacted equifax about removing inquries and have not got a response. 

i did not apply or give authorization for the inquiries listed.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I received an alert that I have a debt. First of all I dont know where this came from. The address listed on this account isnt mine so how could this debt be for me? I have phone services with XXXX XXXX XXXX, I never had any mobile services with XXXX so I am unaware of this error that your company is reporting inaccurately. I have contacted the Police department and this is being investigated as to where this came from. I have filed an FTC Complaint and I am now forced to take legal actions for accusing me of owing a debt to your company. If this debt isnt removed there will be consequences and fines when we are due to be in court I will be suing for damages that you have caused and the distress on my life and credit file. Your company reported an error on my report. I will forward all records of documents to my lawyer and we will begin the process of taking this court immediately. I asked your company to verify and signatures, documents or any contracts bearing my signature along with the steps your company took to verify this debt. I called an explain that this account didnt belong to me and Im unaware of it and the rep told me I would have to pay no matter what. You cant force a bill on a consumer because the name and the social apprears on the account. I am an identity theft victim and I my files have been leaked in the Equifax credit breach. I believe this may be the reason for this debt. If you continue to place error accounts or information on my credit without doing a thorough 100 % validation that this debt belongs to me then it must be removed by law because youve violated my rights and laws within the FCRA sections 609, 611, 612, 605 and FACTA.
Complaint sub-issue: Didn't receive terms that were advertised

Cash App advertised on its XXXX app that if I had my work direct deposit sent to my account with Cash App, that they would give me a {$50.00} credit on my next transaction of {$50.00} or more. I satisfied those terms and made a purchase at XXXX. The transaction was canceled and I was refunded the amount minus the {$50.00} credit. That is fine, but now Cash App wont re-enable the credit for a future transaction, so effectively I was taken advantage of by having funds sent to Cash App and at when the opportunity arose, they kept the promotional credit.
Complaint sub-issue: Information belongs to someone else

SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.