Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

To : Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX CC : Attorney General XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX United States Attorney General U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX TIME SENSITIVE MATTER! 
Dear Equifax, I, the consumer and natural man, was denied housing and transportation by several companies due to the inaccurate and unverified information you, Equifax, are furnishing onto my credit report. You are in direct violation of 15 USC 1681 ( b ). The law clearly states that you are required to have permission and written instructions from the consumer before you can furnish anything. Per Congress, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
directly affecting my creditworthiness and reputation. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX havent been able to secure myself due to your inaccurate and false information as it relates to me. This is fraudulent activity. 

Congress establishes that the purpose of the Fair Credit Reporting Act requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. Late payments being reflected on my consumer report is neither fair nor equitable to me. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report within ten ( 10 ) days, and I demand that you provide me with concrete evidence proof that I have given permission for these items to be reported on my behalf as well as proof from the creditor. Proof should be signed and in affidavit form delivered by certified mail. 
Your failure to comply will result in civil liability Pursuant to 15 USC1681 ( n ). Also, your failure to comply will result in me pursuing civil for damages action pursuant to 15 USC 1692 ( k ) and 15 USC 1640 If you are unable to provide me with the above request within ten ( 10 ) days, Please Delete The following accounts from my consumer credit Report 1. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX XXXX Without Recourse UCC 3-415, Without Prejudice All Natural Inalienable Rights Reserved
Complaint sub-issue: Debt is not yours

I have no affiliations with XXXX  ; nor have I In the past.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Reporting company used your report improperly

I was not notified, but when I checked Equifax 's database I was told I may become a victim of fraud because they improperly stored my financial record.
Complaint sub-issue: Account status

An account from XXXX from 2006 that was included in a bankruptcy filing is still showing as a delinquent/late paying account in my Equifax file. 
I have submitted the dispute to all XXXX credit reporting agencies. XXXX and XXXX have deleted the account from their records. Equifax has yet to do so. I need your help in getting this resolved.
Complaint sub-issue: Billing dispute for services

Have been seeing my social security used in XXXX couple of websites and also loans that I havent even applied for thank you have XXXX great day!
Complaint sub-issue: Information belongs to someone else

Listed below are on my credit report : I am XXXX XXXX XXXX NOT XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date  XX/XX/XXXX Status UNPAID Case/Docket # XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Amount {$800.00}
Complaint sub-issue: Banking errors

I deposited {$50000.00} to a new XXXX checking account in XX/XX/XXXX. I needed a new checking account and they were offering a {$500.00} promotion if you made two direct deposits and had a {$50000.00} balance for 6 months. I made sure to meet all of the requirements, confirmed that I met the requirements on XX/XX/XXXX and am now being told that I do not meet the requirements and that I wo n't be getting the bonus. I have attached a letter they sent me stating that I did indeed meet all of the critieria and that I will be receiving the bonus. I called in yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) and was first told they had no record of my calls, that letter or anything. After an hour and a half on the phone they finally " found '' it but still said I wo n't be getting it. 

I also uploaded a screen shot of my account showing that I met the qualifications of the promotion.
Complaint sub-issue: Their investigation did not fix an error on your report

These two accounts do not belong to me and I have been sending letters to remove these from my credit report. I did it multiple times, but I did not receive any response or result regarding their investigation or if they have investigated the matter. 

Please remove these ACCOUNTS AND INQUIRIES. 

XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX  Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

NRA has not sent me any document proving their reported account on XXXX under my name with the right day of first delinquency. It means they have not responded to any of my complaints since I requested ( please see the attached receipt of USPS ).
Complaint sub-issue: Reporting company used your report improperly

Equifax employed lax and careless security standards with my personal data as well as the personal data for 140+ million other Americans. They allowed this information to be improperly and irresponsibly secured and they were hacked exposing myself and millions of others to potential risk of identity theft. They then asked me to waive my right to litigation in order to confirm whether they had leaked my information.
Complaint sub-issue: Information belongs to someone else

This my second request via CFPB, your company has fair in providing full validation of this public records in the way the FCRA require, you has no provide me proof of how you validate these public records, who did you spoke with, position held by this person, how long was this conversation. I a third party was use to validate this public records this is a clear violation of FCRA and this request will constitute proof of my request to your company to enforce my consumer '' s right. An identity theft report had been filed with the FTC and a police report had been filed : XXXX County Police Department # XXXX. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. if you continue listing these items illegally this complaint will serve a proof in a court of law. I'm reporting this as an effort to clear my name.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I made a purchase from a merchant, XXXX XXXX XXXX back on XX/XX/XXXX. The merchant never shipped my product and I have been trying to get a refund ever since! It is now XX/XX/XXXX and still no refund. The credit card processor Cash App closed the case and advised me to work with the merchant directly. The merchant is highly unprofessional and a thief! She admits to not shipping my product and claims to have issued s refund. The merchant is lying and did not issue my refund through the card network. I have contacted cash app numerous times and submitted proof of my interactions with this merchant. Cash app has not returned my money!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2020 I requested free annual credit reports from XXXX, XXXX  and Equifax. Before releasing a report, each bureau posed identifying questions that I successfully answered. Equifax, however, asked a question " which of these cities is associated with ... person X. Person X is unrelated, unknown to me, and therefore not a party to any credit account I've obtained. The N/A ( not applicable ) option was missing. I selected an answer that I presume was correct since I was able to move on to the final identifying question. 

I filed a dispute online with annualcreditreport.com and called Equifax on XX/XX/2020. Equifax referred my back to to annualcreditreport.com, denying any connection between Equifax and the questions posed at the site. I've since received a letter from annualcreditreport.com instructing me to contact the bureau ( s ) directly. 

I called Equifax XX/XX/2020 and spoke with a representative who provided ID # XXXX. I was told providing wrong information to " trick '' consumers was part of the Equifax identity verification process. I stated that I understand providing questions about me, that if answered incorrectly, would call my identity into question. I questioned why information pertaining to another would be used to trick me in the pursuit of proving my identity, and he merely stated, " that's a good question ''. The conversation was difficult and my request for a supervisor was denied. I was told my complaint citing the convoluted identifying questions asked by " XXXX '' would be forwarded, but I should not expect to receive a response to my inquiries. 

The point of the call was to seek a process that would ensure the other person 's Equifax history is not otherwise connected to mine and it appears from this call, Equifax may not have a process.
Complaint sub-issue: Their investigation did not fix an error on your report

ALL 3 " CRA '' CONTINUE TO VIOLATE " FCRA '' WITH REPORTING MEDICAL PRIVACY ACT INFORMATION IN WHICH VIOLATED " HIPAA '', NOT MY ACCOUNT, ID FRAUD
Complaint sub-issue: Debt is not yours

I have a debt in the amount of {$490.00} from the original credit XXXX XXXX that was sold to XXXX XXXX XXXX collection that was later deleted and now has been resold to XXXX XXXX. I was not aware of this account being put on my credit within in 5 days prior to being reported to the credit bureau. As well I have talked to XXXX XXXX XXXX on more than numerous occasions in reference to this debt and getting a letter to verify this is my account which was never received. XXXX XXXX this particular collection company is not licensed to collect in the state of TEXAS.As for the account being sold I am no longer liable to pay for this account.
Complaint sub-issue: Don't agree with fees charged

I had a small loan XX/XX/1993. It was about seven thousand dollars. I paid it off I thought as it was drafted from my check for years then just stopped so I thought it was paid then out of knowhere I had Great Lakes take a loan and now tell me it 's a consolidation loan and that I do n't qualify for loan forgiveness as I am a XXXX now they say I owe over fifty thousand dollars. This stinks of fraud
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX XXXX was a cable company that I had while I lived in XXXX California. I terminated my contract with them and went with an alternate company. XXXX XXXX XXXX XXXX continued with service and did not stop the service as I requested. They billed me for that service afterMy request. I was assured that this bill would be corrected when I addressed it with XXXX XXXX XXXX XXXX. They are now sending me to collections several years later for their billing error. This collection is adversely affecting my credit. My credit rating is perfect otherwise.
Complaint sub-issue: Account status incorrect

I am writing this due to non-compliance with the CRA ( EQUIFAX and XXXX ) .They have failed to remove information that was violated with personal details that were challenged in the past. Some of the account are closed and should not be there. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I am very ambitious, determine and would hate to quit school now just because of this matter. 

I am currently a XXXXl student ( I am about to XXXX ) I have already reached my max credit limit for subsidized and subsidized loan which makes me eligible to apply for Plus loan ... ..Well, I got denied simply because of my adverse credit. I need to fix these first before I can continue. I am aware that some of those are correct but I have also noticed inaccuracies.
Complaint sub-issue: Account status

XXXX XXXX falsely reported a late payment on my mortgage after changing my billing in mid bill cycle during an escrow analysis. They increased by mortgage by XXXX in the middle the month and demanded a payment of that amount without my knowledge of the change until the night it was due. I called and they agreed it was a problem and that they would work on readjusting the payment and that this would not affect my credit, they also tried to get me to do loan modifications etc, and refinance while I waited. They adjusted the payment to a mere XXXX my previous payment, which I promptly paid. They then reported me for month that they changed my mortgage as being late even thought they told me they were changing the payment and that this would not happen several times on the phone. I was not interested in waiting around for a refinance, I just wanted to figure out a way to sell the house and get away from it and make my payments on time which I did after they changed the bill. They tried levying insurance on property that I did not need to add extra bills as well. They could never explain the escrow analysis and why they tried to destroy my credit and lied. Equifax did not do a good job of looking at the facts and the evidence. They should immediately remove this. I am not alone, this is a practice that has affected XXXX XXXX customers. I never pay my mortgage late in 10 years. They are predators. Equifax should use due diligence in their investigations and really look at the evidence and payment histories of those that are in question. Mine was stellar. There are XXXX complaints just like mine, not coincidental, I 'm sure.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020 I reported 3 unauthorized inquiries to Equifax and creditors. 
After more than 30 days of the complaint, neither the creditors nor the XXXX have removed these unauthorized inquiries, nor validated them. 

Per FCRA the XXXX and the creditors have 30 days to verify or remove the unauthorized inquiries and both Equifax and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.
Complaint sub-issue: Was not notified of investigation status or results

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/2018
Complaint sub-issue: Information belongs to someone else

There are XXXX inquires from CITI listed on my credit file which I have NOT applied for credit. I would like to know why? This is fraud and I want the inquires removed
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have filed three credit disputes with Equifax in regards to unverified hard inquiries and a foreclosure being reported on my consumer credit report. My last notarized and certified request was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature for 25 hard inquiries and foreclosure or promptly delete as required under Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Equifax responded to my last request. The response letter was dated XX/XX/2020. Equifax stated on pages 3 and 4 the following to each inquiry, " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' They stated on page 5 that the foreclosure was verified and updated. This is unlawful and clear violations of the FCRA. 

The reporting company/agency who is reporting these inquires/accounts must have original documentation or proof on file bearing the consumer 's consent. In this case, Equifax has failed to provide this proof on at least three occasions. They did not provide me with the original documentation bearing my signature from their file or their method of verification. They are merely avoiding the verification process. These are clear violations of the FCRA. TransUnion did the right thing and promptly deleted this same foreclosure that is in question. I have attached their response letter as verification. 
I have all the dispute letters, certified mailing receipts and response letters from this company.
Complaint sub-issue: Information belongs to someone else

I noticed an account on my credit that I do not recognize
Complaint sub-issue: Information belongs to someone else

A self lender account was open in my name without my consent. When an alert was sent out to me I immediately contacted XXXX about the self lender account. They immediately closed the account and told me that no one will be able to reopen an account in my name. The damage had already been done because a late payments was put on all three of my credit reports which in result cause about a 30 point drop on all three credit report. I disputed the account as well but it not fair for me to lose my points and not regain them due to an account being open without my knowledge. I feel this is a problem that need to be fix asap.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

XX/XX/2019 send letter requesting details on what is owed and communication between medical facility that I provided for reason of disputed amount due. Medical facility failed to response to letters/notes or return with email. Firm ( collections ) failed to response in reasonable time. Still do not know if a scam. Medical firm still failing to response to new questions on latest charge. XXXX XXXX  collection procedures violate patient rights.
Complaint sub-issue: Information belongs to someone else

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are..The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent all credit bureaus my identity theft reports with all fraud accounts attached told them I am a victim of identity theft. multiple unauthorized accounts opened in my name to be ignored and told to contact the furnishers. my police report # XXXX. I have also sent all information to the FTC. I have been provided with no contracts with signatures from any of these creditors or the credit bureaus showing how they believe this information is valid. These are not my accounts & I am not comfortable calling companies I have no business with this is preventing me from even renting a house. they have also been theft reports I demand this information removed & each company to send me the documents used for validation with legal signatures ( no print screens ) of bills I have no knowledge about
Complaint sub-issue: Frequent or repeated calls

My loan payment to Veros credit was due on XXXX XXXX, XXXX I called on XXXX XXXX to set up arrangements and spoke with a rep who gave me the total amount due for XXXX and XXXX and I went online and set ily he automatic payment. Since I have received 4-6 phone calls per day, no messages left and then they started repeated phone calls to my job and then they started calling my mom. I spoke to a supervisor who told me their call log regenerates and they call any number they have on their. The phone calls I 've received AFTER speaking to their representative and setting up the electronic payment are as follows : To my cell phone # ( no messages ) Wednesday, XXXX XXXX -- XXXX, XXXX, XXXX Thursday, XXXX XXXX -- XXXX, XXXX Friday, XXXX XXXX -- XXXX, XXXX, XXXX Saturday, XXXX XXXX -- XXXX, XXXX To my MOMS cell phone : Saturday XXXX XXXX -- XXXX XXXX Friday, XXXX XXXX -- XXXX XXXX, XXXX, XXXX Thursday XXXX XXXX -- XXXX, XXXX, XXXX Wednesday XXXX XXXX -- XXXX, XXXX, XXXX I can not list the times they 've called work, but there has been repeated phone calls from veros credit to my work line but they hang up or do n't say anything per my coworkers. I called again on Saturday to speak to a supervisor or said there was no notes in my account but she saw the arrangement set up? The supervisor assured me that their collection practices were not harassment.
Complaint sub-issue: Problem with personal statement of dispute

In XXXX 2020, Macy XXXXs reported a late payment for a store credit card. I requested that the late payment be removed from my credit report as the account has been paid in full, and is currently in XXXX relief status, during which time late payments should not be reported. However, the late payment is still showing on my credit report. I would like to request that this be removed.