Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

XX/XX/2019 XXXX XXXX XXXX This is the letter orginally sent to inform Equifax that I recently received a copy of my credit report and their company publishes and after reviewing it I found an item on the report that is inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By  publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I did not receive a response from Equifax although I did get a letter from XXXX XXXX stating that they will remove this account from my credit report, since this account has been deleted by XXXX XXXX so show the collection account listed under XXXX XXXX XXXX they are both the same account. Equifax is damaging my credit profile with this information which should of been removed.
Complaint sub-issue: Information belongs to someone else

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things form my report. 

XXXX  XXXX {$680.00} XXXX XXXX   XXXX {$6200.00}
Complaint sub-issue: Received unwanted marketing or advertising

I have received multiple offers for credit cards on credit karma and none of them have been approved although they stated that there were high of not guaranteed approval odds which is advertising false information.
Complaint sub-issue: Debt was result of identity theft

Hello, Please i will like to file a dispute to remove a fraudulent collections account added to my credit report. This debt does not exist and i believe its a situation of identity theft, I have tirelessly been trying to contact the company about this but they have no paper proof of a debt i owed plus they were trying to have me meet up with their agent somewhere to pay off a debt i did not owe. 

Information of the collections company is below, XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX Collections Account XXXX : XX/XX/2018 Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Remarks : Medical I hope you will please do something about this and help me remove this fraud company from my report.
Complaint sub-issue: Debt resulted from identity theft

I have made this complaint about this company Enhanced Recovery Corp. that is still showing on my credit Reports as a negative trade. The original fie was already disputed and was found to not be my account I have never signed anything with that creditor and did report that it was frequently. Enhanced Recovery Corp a collection agency has not place the same account on my trade stating that I owe which is not incorrect. Enhanced Recovery Corp. sent me a response via the CFPB stating that they will remove the trade, but it will take them up to 45 days. In one week I apply for another lease for an apartment for my family and I to move in and since I have already been denied a place to live last month because of inaccurate reporting. I know that I will get denied again because, of the inaccurate reporting cause by Enhanced Recovery Corporation via the CRA 's I have arranged to speak with legal counsel in regards to Enhanced Recovery Corporation. and the XXXX, XXXX and XXXX for False or misleading representations. I have already enclosing a copy of sections 6058, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft to the attorney General of California for the original credit and the last XXXX collection agencies. I refused to wait 45 days for Enhanced Recovery Corp to remove the inaccurate trade. Enhanced Recovery Corporation has an Inactive Status in the state of XXXX and withdrew authority to transact business or conduct business in the state of XXXX in 2010, but incorporated under the laws of XXXX. When researching Enhanced Recovery Corporation in XXXX I was not able to locate the Corporation, but discover another entities with different names other than what is reflected on my Credit Reports. 
Enhanced Recovery Corporation has continues to damage financial reputation, negligently support the enablement of identity fraud, and violating the Fair Debt Reporting Act. Why does this deceptive misleading practice continue and why does the Consumer Financial Protection Bureau does not place more research on the abusive debt collection companies.
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, 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: Account status incorrect

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I want Equifax to review the attached dispute form and investigate my dispute. The following accounts are paid in full : XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX The following accounts and credit card was reported lost/stolen : XXXX XXXX XXXX and XXXX XXXX Bank XXXX The following debt collection account is fraudulent and not my debt collection account : XXXX XXXX  XXXX XXXX {$360.00}. The following public record is not my public record : XXXX XXXX  XXXX of Minnesota, reference number : XXXX, XXXX  XXXX XXXX  Discharged. The following credit inquiries are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

EQUIFAX COMPLAINT Equifax intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to XXXX XXXX, in 30 days and or til date, despite XXXX XXXX repeated requests. Second, XXXX XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, XXXX XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX XXXX. Hence, Equifax again went silent.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC1681 Section 602 states I have the right to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report as late for and purpose.
Complaint sub-issue: Information belongs to someone else

I have sent letters into XXXX, equifax, & XXXX. the letters are attached with the dates that they were sent via certified mail. These three bureaus have yet to update my credit report and remove these negative items.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from citi on XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Complaint sub-issue: Information belongs to someone else

i have a letter sign by a judge stating that these Bankruptcies were filed in error. How can Equifax, XXXX and XXXX suppossibly had verified this?? I have the proof that this account does not belong to me.
Complaint sub-issue: Account information incorrect

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. These items need to be removed immediately. These inaccuracies are highly injurious to my credit report. It is causing me much distress.
Complaint sub-issue: Their investigation did not fix an error on your report

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Transaction was not authorized

Telecheck charged my account twice. I contacted them and sent proof that they did. I also file a XXXX  complaint against them. I was informed today that they investigated, did not have sufficient proof they had charged my account in error and had closed the investigation. 
The proof I sent them was the XXXX bank statement showing the check clearing the first time, and a " ministatement '' from the bank showing the check clearing again in XXXX. Perhaps they didn't accept the " ministatement '' I don't know. 
They also charged my bank an XXXX  fee in XXXX for XXXX dollars. 
I received a new case number today XXXX. 

I am submitting to you the information that was faxed again to Telecheck today. The person who faxed for me circled the items in question on the bank statements before faxing. That is the check for {$300.00} that cleared XX/XX/XXXX, the check that cleared XX/XX/XXXX for {$300.00} and the NSF fee of {$30.00} charged on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX, XXXXXXXX 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: Their investigation did not fix an error on your report

On XX/XX/XXXX after completing the interview process with XXXX XXXX, I was notified that they would be conducting a background check. XXXX XXXX called to inquire about two accounts i was not aware of that were charge offs. I contacted XXXX where they assisted me in contacting XXXX XXXX and Discover card to report the fraudulent accounts. The following day i also filed a police report. XX/XX/XXXX I filed a report with the FTC, and I was also able to send a copy of the FTC report and a copy of my statement to both Discover card and XXXX XXXX. Discover card and XXXX both conducted their own investigation and concluded that the accounts were indeed fraudulent by XX/XX/XXXX, XXXX was able to have the reporting agencies remove the account from my credit file, however the Discover card still appears on my credit reports. I want the discover card account to be removed from my credit file as it is fraudulent. I also want all incorrect information to be removed. 
Discover card account:XXXX Total fraudulent amount : {$970.00} Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL, XXXX
Complaint sub-issue: Funds not received from closed account

The {$100.00} that was deposited to open the business checking has not been returned back to me. To make matters worse and causing me stress, the Citibank branch and Citibank customer representatives would not help me at all. All of the individuals I have contacted/spoken to were giving me a round-a-round. Below are the facts of the this complaint : 1 ) the business checking account was opened last XX/XX/2020. A {$100.00} check from my personal credit union checking was deposited ; 2 ) Citibank closed the account last XX/XX/2020 and a letter from Citibank came and DID NOT EVEN INDICATE THAT MY {$100.00} WILL BE MAILED OR NOT ; 3 ) Citibank customer representatives were very rude, unhelpful, and were giving me a round-a-round ; I asked several times to speak to their supervisor and they told me they do not have any supervisor ; the representatives names were XXXX ( PIN : XXXX ) and XXXX ; the Citibank representatives from overseas were the ones who were rude and unhelpful ; the Citibank representative from USA were very nice and at least very respectful ; 4 ) I contacted the Citibank branch XXXX via email and over the phone and they told me that they can not help me ; 5 ) Right now, XXXX XXXX  is struggling due to COVID19 pandemic. WE are thinking of closing it if I do not get a turnaround in the next three months ; and here goes other people and Citibank company not returning my money for more than 30 days is tantamount to XXXX  and XXXX  me and my family slowly ; HELP ME AND MY FAMILY
Complaint sub-issue: Was not notified of investigation status or results

I have recently pulled my report after being notified of a data breach with Equifax and XXXX. My information was compromised and I noticed false information being reported about me. I have sent multiple letters and made several calls to each bureau. As of today these inaccurate and misleading items still continue to be reported falsely.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 


This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX # XXXX XXXX ACC # XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX XXXX  ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/1995), you may be liable for your willful noncompliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX