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

Ive contacted XXXX, XXXX, Equifax and they keep telling my FTC report is not a verified document from the FTC. They state that the federal trade commission said the document is not valid I want the item removed from from my credit report
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax continues to drop the ball. I've submitted a dispute several weeks ago regarding a collection account that isn't mine. I spoke to the company who instructed me they had deleted the item via e-Oscar with Equifax. After calling Equifax for several weeks they keep saying they don't have and response from the creditor which is false. Not only did the creditor provide me proof of the deletion proof via e-Oscar they even provided me a deletion letter.

As a consumer it is extremely difficult to call into Equifax with very long hold times then in my case I have to speak to the office of consumer affairs which is a total waste of time. The office of consumer affairs keeps us on additional hold time up to an hour plus and sometimes after waiting that long we are hung up on and have to start the process all over again. Depending on the day you may get great professional service and other
times you get very unprofessional service. I called today XX/XX/20 and spoke to a rep by the name of XXXX and I was simply trying to follow up on a dispute and I was dealt with in a very rude unprofessional manner from XXXX. I would like to have my file remove from the XXXX department and just given regular customer service. No customer should be rudely treated and talked to from Equifax. 

The collection account : XXXX XXXX XXXX for XXXX XXXX  should have been removed weeks ago.
Complaint sub-issue: Information belongs to someone else

TODAYXX/XX/2019 WHEN I WAS APPLYING FOR MY SONS AUTO LOAN, I GOT DENIED FOR HAVING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER APPLIED FOR ANY OF THESE LOANS LISTED IN MY FTC REPORT NOR HAVE I GIVEN ANYONE PERMISSION TO APPLY FOR THEM, I HAVE NEVER AUTHORIZED 17 INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT EITHER. 

XXXX REPORTING 7 FALSE INQUIRIES AND XXXX XXXX XXXX XXXX REPORTING 13 FALSE INQUIRIES EQUIFAX 7 FALSE INQUIRIES AND XXXX XXXX
Complaint sub-issue: Debt resulted from identity theft

ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

I did not authorize nor consent to the following inquires being furnished on my consumer reports
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX {$1000.00} There is no valid claim, no contract exist ... account was settled with original creditor by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not  be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Was not notified of investigation status or results

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Complaint sub-issue: Account status incorrect

I AM A VERY RESPONSIBLE PERSON, AND I DONT LIKE TO HAVE MANY CREDIT CARDS AND I DON'T CARRY A BALANCE ON THE FEW CREDIT CARDS THAT I HAVE. ON MY XXXX XXXX XXXX XXXX WHICH WAS OPENED BACK IN XX/XX/XXXX, FOR THE MONTH OF XX/XX/XXXX ITS REPORTING A LATE PAYMENT, WHEN IDDINT EVEN HAVE A BALANCE ON THAT CARD. I CALLED THE COMPANY AND THEY ARE NOT SURE WHY THERE ARE REPORTING A LATE, I CALLED THE EQUIFAX BECAUSE THATS THE ONLY BUREAU REPORTING THE LATE PAYMENT AND TEY SAID THATS WHAT THE CREDITOR IS REPORTING, EVEN THE REPRESENTATIVE AT EQUIFAX WAS CONFUSED WHY THERE IS LATE REPORTING WHEN THERE WAS NEVER A BALANCE ON THAT CARD. I HAVE BEEN GOING BACK AND FORTH BETWEEN EQUIFAX AND XXXX XXXX XXXX TO HAVE THAT WRONG NEGATIVE REPORTING REMOVED FROM MY CREDIT REPORT AND NO ONE SEEMS TO CARE TO HELP ME. I ONLY HAVE 3 CREDIT CARDS AND ALL 3 CREDIT CARDS I HAVE XXXX BALANCE.
Complaint sub-issue: Their investigation did not fix an error on your report

On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK Court XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately..
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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: Account terms

On XXXX XXXX, 2016, I filed for Chapter XXXX bankruptcy protection, which any and all debts were included. A copy of my discharge was sent to all credit bureaus on XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I applied for a loan from XXXX. I was given a rejection with Clarity Services listed as a data furnisher, a data furnishing company I had never heard of before. 

Under the U.S. Bankruptcy code, all debts incurred prior to filing are considered discharged regardless if remembered or not. To the best of my ability, all debts were listed. 

Whoever Clarity Services is, whatever files they have on me, and whatever kind of nefarious practice they are running are concerning to me. 

The case number for my bankruptcy, which was filed and discharged successfully in the XXXX XXXX of Indiana, is XXXX - identification has been uploaded.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

We have been receiving multiple calls daily in regards to a collection. The collection amount is incorrect and we have formally in writing disputed the charges. We have also in writing asked the debt collector to no longer call us. They have continued to call both myself and my wife in addition to non involved family members. Additionally they have verbally threatened and harassed my wife in regards to the debt.
Complaint sub-issue: Billing problem

I purchase a XXXX XXXX from Carmax in XX/XX/XXXX. The car was a lemon came from Florida, it was also purchased for 3000 plus dollars by a consumer name XXXX XXXX in XXXX. Also I found a complaint filed with Flordia OFFICE OF ATTOTNEY GENERAL on XX/XX/XXXX. Dealer name XXXX XXXX. This vehicle was sold to me on XX/XX/XXXX. I am a senior and fiked Chapter XXXX Bankruptcy on XX/XX/XXXX. Carmax is trying to collect on this vehicle and Exemptions was applied. The car is not being reported because they know they are crooks.I can't live in a lemon car.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DID AUTHORIZE THESE HARD INQUIRES XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XXXX XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XX/XX/XXXX ( EQUIFAX ) XXXX XXXX  XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX, XXXX
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX 2017, a data breach at Equifax caused personal information of several consumers including SSNs, addresses and names to be compromised. Equifax provided a website ( https : //www.equifaxsecurity2017.com ) to check if a particular consumer 's data was compromised in the breach. I input my information and the website told me that my information was possibly compromised. 

Equifax provided a 1 year complimentary credit monitoring service for consumers who were affected in the data breach. However, in the Ts & Cs,  Equifax states that by accepting the complimentary credit monitoring, consumers agree to arbitration and waive any right to pursue judicial action against them.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Kohn Law firm started calling and mailing me letters back in XXXX. In XXXX of XXXX, I was sent legal paperwork that I had lost a case and a judgement had been put against me. in addition i needed to talk with kohn law firm to make payments on this debt. I agreed to payments of  about XXXX a month for about 19 months to pay off the bill in full. 
I just checked my credit it hopes it had gone up since i was making monthly payments and instead of seeing the debt go down they increased it by XXXX dollars causing my XXXX  credit score to go down my 33 points. 
I then called kohn law firm and spoke to a very pretentious woman who told me that they don't report anything until it is paid off and then a guy  named XXXX who was a bit nicer who told me they report all of the payments and that the I needed to talk with XXXX XXXX and not kohn law firm. due note since kohn law firm has the file XXXX XXXX  will not talk to me. 
They have documentation of all payments that they can provide but for me to get that they want me to pay them.
Complaint sub-issue: Contacted your employer

One of National Small Loans ' representatives, XXXX XXXX, contacted my workplace by phone call on XX/XX/2022 at approximately XXXX XXXX XXXX, and identified the debt collector as National Small Loan. The phone number used to contact my workplace on this occasion was XXXX ( XXXX ) XXXX. 

I have already sent a Revocation of Authority to Contact Third Parties on XX/XX/2022 and requested that third parties related to me not be contacted.
Complaint sub-issue: Was not notified of investigation status or results

I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XX/XX/2022. I have accounts on my report that I don't recognize but they still havent removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
Complaint sub-issue: Account status incorrect

This company continues to report an auto loan that was included in a bankruptcy almost six years ago. They are currently reporting 120+ day late payments. There are several inaccuracies also being reported and I need the account removed from my credit reports immediately. The date the account went delinquent is also incorrect. They have it reported as XXXX. This account was due to be removed from my report this year but then they changed to date and continue to report late payments. They have continued to report false information. This is a predatory lender with several claims and lawsuits already filed against them. They must be stopped from doing this to people.
Complaint sub-issue: Can't get other flexible options for repaying your loan

My trellis has place tax offsets to working class people who are affected by Covid 19 and the winter storms in Texas. As we tried to communicate with them they have the audacity to continue their collection efforts despite the current climate. They have bordered on illegal collection practices and refuse to correct wrong doing in their part.
Complaint sub-issue: Other problem getting your report or credit score

I contacted Equifax because my credit score, according to XXXX, was noted to have gone down 40 points. I understood when I closed three long-standing XXXX XXXX   accounts ( checking, savings, credit and debit cards ) that my score would be affected, but not to the extent it was. I closed these account because of XXXX XXXX XXXX predatory corporate practices and do not regret severing ties with them. I was a part of the Equifax breech, and I spent untold hours, as well as money, to freeze accounts with XXXX and XXXX, SS and the IRS, etc ... to ensure no one could steal my identity. When I called Equifax today to see what I could do to raise my score back up, they told me XXXX did not report my account closures. Then how did my score go down 40 points? I asked her what Equifax showed as my credit score and she said she could not provide that to me over the phone and I would have to pay {$7.00} if I wanted it sent to me. I asked to speak with a supervisor ( on hold for 20 ) and he told me the same thing. They would not send it to me for free, or provide my credit score over the phone. I then asked to speak with a manager ( on hold for 30+ minutes ) and before anyone came on the line, my call was disconnected. I then called back. Had to go through a supervisor again, and have now been on hold for 1 hour and 11 minutes with no manager in sight. Equifax is notorious for hanging up on customers they don't want to talk to, or placing them on hold for an exorbitant amount of time in hopes they will give up, and hang up. My credit score was exemplary at XXXX before I closed the XXXX accounts. There is no way it went down without it having been reported to the three reporting agencies. If they are not showing that the closures were reported, then the least they should have done is tell me what they show my credit score at to confirm it wasn't reported. I wasn't asking out of curiosity. My complaint : Equifax, both in the past and currently, continually hangs up on consumers they don't want to talk to. This has happened to me on no fewer than 1/2 dozen occasions, both in 2017, when I was looking for information to clean up their mess after their breech. as well as currently. I spent {$20.00} to freeze my reports with the other two reporting agencies. I haven't received a refund from Equifax and want my money refunded if they refuse to offer a free credit score when indicated. Thank you for your time. P.S. One hour and 18 minutes later, I'm still on hold waiting for an Equifax manager to pick up the phone!
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. On XX/XX/2018, they responded back stating the bankruptcy is accurately reporting on my LexisNexis RiskView report. This is false information, being that I received a letter from the Bankruptcy Court stating that they do NOT perform any activities with the credit bureaus. Then on XX/XX/2018, I received another letter saying that I requested them to initiate a dispute on my behalf with XXXX, XXXX, and XXXX, but they have not received a response to date. I DID NOT GIVE THEM PERMISSION TO DO SUCH AND THIS WAS NOT A REQUEST IN MY DISPUTE LETTER!!! In the response I received from LexisNexis, they have not only violated federal law, because reporting per FCRA should be 100 % accurate, but they have failed to properly provide any viable evidence, bearing my signature or showing the account is being reported accurately, which is what I initially requested. I have attached evidence to support my complaint. The entry is inaccurate and unverified so I am requesting it be deleted/removed from LexisNexis & also from the 3 major credit bureaus - XXXX, XXXX, and XXXX, being that LexisNexis is who reported the information to them.
Complaint sub-issue: Frequent or repeated calls

I am 2 weeks late on my payment with Citi Best Buy card and have been receiving more and more calls per day. It started as 2 per day but has quickly escalated. I have received 4 robo calls already today and it's just now noon. Each time they leave an extremely long voicemail which after 4 fills up my inbox. I've received 2 calls within 30 minutes or each other. Times are hard right now and trying to collect in this manner is heartless. I was already denied help from citi without any explanation why. I understand I need to pay but harassing me non stop isn't the answer. I have attached proof of the 11+ calls in the last 3 days.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act 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. Its also states a consumer reporting agency can not furnish a account without my written instructions. 

I also have a police report on file. I was a victim of fraud and I identity theft. I would like these false addresses and accounts removed from my credit report immediately thank you. 
ALL accounts dates XX/XX/2015 XXXX. I sent in police report several times complaining and no action was taken not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S DEPT ED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about my loan

On XXXX/XXXX/XXXX, I received a copy of my credit report and Citibank N.A . or Citibank XXXX is showing as an inaccurate account. I called to speak with a representative immediately. I spoke with XXXX and he informed me that the money was sent back from the school- University XXXX XXXX XXXX because I was n't a student. He informed me that the loan was taken out on XXXX/XXXX/XXXX. The loan totaled XXXX for a fall semester.. XXXX then advised that the loan was also sold to the US XXXX at the same time the loan was allegedally returned back from the school.. I asked if he cod end me verification of an account or signed documents that I had a taken out a loan, and that the loan had been sent back from the school or transferred/sold to the US XXXX. He said he could not provide documentation. I asking that the above account be removed from my credit report. I HAVE RECENTLY CONSOLODIATED ALL OF MY STUDENT LOANS WITH XXXX AND THIS LOAN IS NOT ON MY LIST OF COSOLIDATED LOANS. the company name, phone number and address is listed below : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX sd XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2021 XXXX XXXX responded to : complaint number XXXX XXXX XXXX XXXX XXXX has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address XXXX XXXX XXXX XXXX has on file. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. However, on XX/XX/2021, I submitted a complaint with documentation on XXXX XXXX, XXXX XXXX XXXX, which had been referred to the Federal Trade Commission on XX/XX/2021. 
XXXX XXXX, has not provided to any verification of the debt, nor has their client provided me or them with a validation of the debt. I have made several good faith request in writing via certified mailing to all companies referenced above. Per the attachments. You will notice my health insurance XXXX, paid the XXXX dept. You will also, notice the subrogation letter, where this debt was paid as part of a auto accident settlement. Additionally, I have requested from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX the collection agency additional documents showing how I own what is being disputed. I sent certified mailing, and none of the companies responded or acknowledged receipt.