Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX has sent 4 deletion requests to Equifax regarding deleting the collection account on my credit report, this has been going on for over 1 year & I have been fighting a losing battle with Equifax. Equifax continues to state that the debt is being validated by the collection agency & refuses to delete it, yet XXXX XXXX doesnt even have this account & they havent in over a year. XXXX XXXX  said this is an issue with the credit bureau not following the law regarding deleting this timely! Equifax is illegally reporting on this debt & stating the debt has been validated when it has not been. I have spoken with numerous supervisors & they all have told me that they have not verified this debt. I am going to sue equifax, file complaints with the FCC, FTC, XXXX & The Attorney General if they do not stop illegally reporting this to my credit report! Please help me with this. I am attaching the collection agencys response on 3 different occasions over the last 1+ year! Please note : Equifax is the only bureau reporting this debt because XXXX XXXX XXXX removed it in XX/XX/2021 when they sent the deletion request!
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$870.00} ; XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XX/XX/2021 2021
Complaint sub-issue: Was not notified of investigation status or results

I disputed an account explaining that it was inaccurate as there was different information being reported by each report bureau to which I know it was inaccurate. The last payment date is incorrect as well as the open date. I received no response from the copy stating what their resolution was. I also asked for a copy of my credit report each time. I disputed this account numerous times using screenshots to show how the inaccurate information violated the FCRA section 605 & 623 as nothing was consistently reporting. I asked for the account to be deleted by my request was simply ignored.
Complaint sub-issue: Public record information inaccurate

There is a public record being reported on my credit file, and it says that the data furnisher is the bankruptcy court, it also says that this bankruptcy was discharged on XX/XX/2016, I disputed this bankruptcy with the credit bureaus because it doesn't seem correct to me. First I never filed for bankruptcy, I told the credit bureaus that this was another persons bankruptcy and that the person has the same name as me. I contacted the court and asked about this matter and they told me that the courts do not share bankruptcy information with the credit bureaus, another thing that isn't correct is the address on that bankruptcy because it says XXXX XXXX XXXX, XXXX, Ma XXXX and I have never lived at that address. I live in XXXX, Ma and my address is XXXX XXXX XXXX, as I was looking at my credit report, it says that they get this bankruptcy information from a company called Lexis Nexis, I don't know what that company is or what it is that they do. When I disputed this bankruptcy with XXXX, XXXX and XXXX, for some reason it came back as verified and that it was accurate and this can not be right. I need this public record deleted from my credit file.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Around the end of XXXX. I think around XX/XX/XXXX. I got served twice in the same month. I got served at home.For two alleged credit card debts from XXXX XXXX. Johnson Mark LLC is the debt collector and they told my attorney that I am being sued for the two alleged debts. They also told my attorney they were hired by XXXX XXXX to represent them. They still state that XXXX XXXX owns the alleged debt and are just acting on XXXX XXXX 's behalf. 

First alleged XXXX XXXX amount is {$2700.00} and the other is {$4800.00}. 

If Johnson Mark states they were hired by XXXX XXXX directly then why these two alleged debts were with two different debt collectors before? On XX/XX/XXXX got a debt collector statement from XXXX XXXX and the other alleged debt got a debt collector statement from XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX my attorney send out XXXX requests to Johnson Mark LLC. Proving they have the rights and truly own the alleged debts. What I have attached is what they sent my attorney as a response. 

This is very troubling for my wife and I. We are not experienced with the whole legal system. It is causing us high stress in our daily lives.
Complaint sub-issue: Problem with fees

I was mistakenly charged late fee by Citi. The fee has been reversed when I called to report the error, but I was advised to pay the entire balance billed ( include the late fee ) TODAY ( for amounts due on  XXXX  ) in order to avoid another late fee and reporting to the credit bureau.     Billing date :  XXXX  Amt {$18.00} Merchandise return  XXXX  Amt {$6.00} Payment date :  XXXX  Amt {$11.00} Due date :  XXXX  Late Fee : {$18.00} on  XXXX  stmt for missing  XXXX  pmt.
Complaint sub-issue: Public record

Equifax keeps telling me this is " verified ''. It is a judgment that never went into court and never happened. The judgment, as per Equifax is " pending '' and is dated XX/XX/2009. Case # XXXX. I have been in touch with the clerk of the court. IT DOES NOT EXIST!! This is reporting illegally and causing me financial harm!!
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a notice from my XXXX on XX/XX/XXXX notifying me of a change to my credit report. This was a surprise. Enhanced Recovery Co reported a new account to XXXX   that is listed as seriously past due in the amount {$1100.00}. I do not have any accounts with this company new or old. I do not know of this company. I do not owe this company any money. I never received any communication from such a company. I have never done business with this company. 


Steps taken : I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX, the day XXXX received the alert from XXXX. While I received confirmation that the complaint was received and forwarded to the Enhanced Recovery, as of today 's date I have not received a response from Enhanced.
Complaint sub-issue: Their investigation did not fix an error on your report

Inaccurate late payments reported by Ally Auto. After six different attempted disputes all they do is move the inaccurate late payment to a different month, somtimes 2 or 3 months from original month reported. When attempting to contact Ally Auto directly I am places to an outside call center and told there is no back line to speak to supervisor and that I must dispute through credit reporting agency. I am disgusted at the level of service from this company.
Complaint sub-issue: Public record information inaccurate

I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my XXXX XXXX credit report. I have contacted them to remove these inquires and they will not do so.
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request the Credit Reporting Agencies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance  Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$22.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Other problem getting your report or credit score

I have reason to believe that Equifax is suppressing my credit score.On  XXXX  -17 my  credit score was  XXXX   XXXX  17 M y credit score dropped to  XXXX . I recently had a new account added to my credit file by  XXXX   XXXX    XXXX   XXXX   on  XXX -17.As of  XXXX  -17 My  available credit was  XXXX .  XXXX  -17 it  went up to  XXXX .As of  XXXX  17 My  credit was  XXXX .  XXXX -17  XXXX . I have the same amount of accounts that 's being reported the same information on  XXXX  as well.As of  XXXX  -17 M y credit score was  XXXX . XXXX -17 it went up to  XXXX . On  XXXX   XXXX -17  XXXX .  XXXX  -17 M y score went up to  XXXX . I contacted Equifa x personal s olution on  XXXX  -17 to  voice my concern I was refunded  XXXX  and a discount on the Equifax complete advantage plan for  XXXX  for 12 months and i was told by a representative name  XXXX  that I would see a change in score in a couple of days. As of  XXXX  -17 My  score remain the same  XXXX
Complaint sub-issue: Information belongs to someone else

On XXXX different occasions I was told by Equifax agents that these XXXX inquiries will be removed from my credit file XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX The confirmation number on XX/XX/XXXX I was given Equifax Com number XXXX XXXX confirmation number clearly shows that the XXXX above inquiries were to be deleted from my credit report by a fraud representative from Equifax it states that all the documents were handed in properly and still to this day it's not been removed note that this is the third time a different confirmation numbers previous confirmation numbers were XX/XX/XXXX Equifax confirmation XXXX XX/XX/XXXX XXXX Equifax co # XXXX XXXX XXXX XXXX inquiries that was XXXX more inquiry from XXXXXXXX XXXX that was XXXX XXXX on XX/XX/XXXX This was also promised to be removed for me and still remains on my credit report So in total there are XXXX inquiries since XXXX of XXXX that had been promised to be removed and have not the confirmations number above represent confirmation numbers that Equifax has given me proven that it will be removed My social security number is XXXX XXXX XXXX On the next screen it will not allow me to put in the last four digits for some reason so I'm putting it here
Complaint sub-issue: Information is not mine

these hard inquiries are fraud on my credit report and i want them removed
Complaint sub-issue: Information belongs to someone else

Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and housewife, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT! Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!
Complaint sub-issue: Information belongs to someone else

FCRA violations : account not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$1300.00} Status Account charged off.
Complaint sub-issue: Reinserted previously deleted info

The attached accounts were removed by EquiFax in XXXX 2015. They were added back by EquiFax which is in violation of the Fair Act. I have attached the removal as reported by EquiFax and the adding back on XXXX 2015.
Complaint sub-issue: Information belongs to someone else

ELAN CACS CC account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( ELAN CACS CC XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

Over the course of the last week, my credit score dropped 66 points on Equifax. The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at Equifax. He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.
Complaint sub-issue: Information belongs to someone else

I've been a victim of identity theft. My information was expose in both the Equifax breach in XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. Each time I've called I was told to send letters, which I did, but I'd call back and every rep could not locate my submissions properly since neither call center was located in the United States. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.
Complaint sub-issue: Information is not mine

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXEquifax XXXX XXXX XXXX XXXX, XXXX XXXX report # XXXX recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # : XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Account status incorrect

The two companies that are involved is XXXX XXXX XXXX and XXXX XXXX XXXX, The companies have not came to an agreement on a pay off and my credit is now been effected. Since I traded my car in to XXXX XXXX, The complaint is that XXXX XXXX XXXX believes that XXXX XXXX owes money still, XXXX I dont mind feels XXXX XXXX XXXX is trying to get more money out of them the necessary, I need help with my credit being fixed because XXXX XXXX XXXX Has falsely reported on my account and I have lost XXXX points in total and now I can not get a loan because of this matter still I have not heard anything back from either one of them I consistently called them and now I need someone to step in for me to help me get this fixed I was told because I contacted state of Minnesota office of the Attorney General and they gave me this information and said you may be able to help me with the credit portion please have someone contact me as soon as possible, Has falsely reported on my account and I have lost XXXX points and total and my payment was at a XXXX XXXX and now its at a XXXX and now I can not get a loan because of this matter still I have not heard anything back from either one of them I consistently called them and now I need someone to step in for me to help me get this fixed I was told because I contacted state of Minnesota office of the Attorney General and they gave me this information and said you may be able to help me with the credit portion please have someone contact me as soon as possible thank you
Complaint sub-issue: Reporting company used your report improperly

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXXXXXX - {$2100.00} XXXX XXXX - {$2700.00} XXXX XXXX- {$1900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Public record

The XXXX of XXXX in XXXX has nothing on record of me owing any debts.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX XXXX. I filed a compliant with XXXX XXXX on XXXX, and they responded be XXXX case number XXXX stating that it was going to be remove off my credit however, in the context it stated my sister name which is XXXX XXXX XXXX. this have been a lot of confusion on my credit due to creditors are getting us mixed up with name, and social security number. I never had an account with XXXX XXXX. Social Security number is XXXX. I am requesting that this information be correctly, and remove off my credit report as XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to request from you to remove the fraudulent items I found on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX. Under the FCRA Section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Complaint sub-issue: Debt is not mine

EQUIFAX has refused to remove a debt that I have already proven does not belong to me. I have provided a copy of a written letter from XXXX XXXX XXXX verifying that they have informed EQUIFAX to remove the debt. However EQUIFAX is refusing to comply reporting fraudulent claims in my name and has been doing so since 2013. When I began to contact your office this month, EQUIFAX turned around and began to retaliate against me, ADDING accounts instead of removing the account in question. Now EQUIFAX has added an old XXXX claim in my name despite this information has been disputed before and by EQUIFAX removed. I have evidence that EQUIFAX removed the false claim from XXXX as I have never signed anything with XXXX. I do not understand why EQUIFAX believe they do not have to follow the law. It is ID Theft when you use someone else SSN fraudulently. I have received no evidence from EQUIFAX that I owe this debt, because I do NOT. According to the law, not only do they have to prove their claim they also have to notate the items are disputed which EQUIFAX has failed to do.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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