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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received credit inquires from XXXX XXXX of Texas and I haven't applied for any loans or any credit applications. I only opened a savings account and nowhere did it mention that my credit was going to be ran or used for the savings accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The bellow account name is unrecognize on my file from Equifax Report XXXX XXXX I have no relationship whatsoever nor have an account with this company. Equifax had placed it on my file. 

I want this account to be deleted.
Complaint sub-issue: Attempted to collect wrong amount

This account was previously removed as it was incite and over 7 ears old. Ive NEVER received a notification about this RESOLD debt that is trying to be collected.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2019 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX FL XXXX XXXX  DISPUTE FRAUD DEPT PO Box XXXX XXXX, TX XXXX Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit  Reporting Act. 
XXXX XXXX XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX   XXXX XXXX  XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX   XXXX | XXXX Under investigation fr om previous dispute Balance $ XXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX XXXX XXXX | XXXX Under investigation from previous dispute Balance $ XXXXXXXXActual Payment Amount - Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE - OFF XXXX XXXX, XXXX  | Date of Inquiry XXXX XX/XX/2019 XXXX XXXX XXXX | XXXX Dispute this Account Owner Individual Account.Original Creditor XXXX XXXX XXXX XXXX Date Reported XXXXDate Assigned XX/XX/XXXXAccount Status D - Unpaid Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information. 
Sincerely, XXXX I XXXX The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).

General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

I am requesting that the item ( s ) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. Sincerely
Complaint sub-issue: No notice of investigation status/result

I disputed items on my Equifax credit report both with Equifax and the creditors. As a result, my score dropped XXXX points on XX/XX/XXXX. The creditors wore XXXX and XXXX. In XX/XX/2017 this happened also. In this case, my score dropped XXXX points. The creditors that time were XXXX, XXXX XXXX and XXXX. In XX/XX/2017, there was a XXXX point drop for the same reason of disputing items in my report. That time, the creditors were XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Altogether that is a XXXX point drop of my credit score for doing what I believed was my right under FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted a complaint about how XXXX stated they verified a Bankruptcy on my credit report. I am aware that under the Fair Credit Reporting Act of 1971, are to only report one hundred percent accurate information. I submitted my complaint through the CFPB and their response was not made through the CFPB which is also a violation of my right to due process. XXXX did this to hide the fact that they know that they are reporting inaccurate information. The response has been the same, verified through a third party LexisNexis. The information purchased by XXXX from LexisNexis has redactions that are required under Federal Privacy laws. LexisNexis is not provided a full and complete social security number nor are they provided a full and complete date of birth when they purchase public record information from any Court. LexisNexis then sells that incomplete information to the major credit bureaus as verified and validated information. In doing so, LexisNexis and XXXX have violated the Fair Credit Reporting Act of 1971 by reporting and providing inaccurate and unverified information about consumers. I demand that LexisNexis and XXXX  be investigated for fraudulent business practices as well as violation of the Fair Credit Reporting Act.
Complaint sub-issue: Report improperly shared by CRC

I never gave my authorization for this dealership to pull my credit XXXX different times. I never would have believed that a dealer would run my credit so many times. This has messed up my credit score and has made it very hard to even get financed through any other dealership. I sent out a certified letter to dispute and request proof of where I gave my authorization for my credit to be pulled XXXX times. I live in XXXX they are in XXXX they pulled my credit on XXXX day then XXXX time on another day. They sent me back a typed letter just showing my name and info. Nowhere did it show the application and agreement terms explaining where I gave the okay to pull my credit XXXX times. I sent another certified letter explaining this and gave over XXXX days and have heard nothing. I now would like to take action against them. I have attached all corresponding letters with the dispute.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX   XXXX  with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
Complaint sub-issue: Information belongs to someone else

Equifax is still reporting a fraudulent account XXXX XXXX XXXX after I sent certified my fraud and police report, they are violating the FCRA federal law and section 601 which states that the credit has to block and remove any fraudulent information that is being reported on the consumer credit report. This is illegal and I will file a lawsuit against equifax if they do not remove the fraudulent account from my credit report. I have notified my consumer attorney and he is sure there will be a lawsuit filed for monetary relief.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Credit Reporting and XXXX, the following account numbers listed violated my privacy. 
Account Public record ( Bankruptcy ) Reference number : XXXX, Collection accounts : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Inquiries : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

LexisNexis is violating my rights as a consumer with regard to a Bankruptcy they are reporting on my consumer credit report and selling said information to the three credit bureaus. I am NOT a victim of fraud and DEMAND a reinvestigation of this dispute. They are in serious violation of my rights under the FCRA.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX  {$660.00}, XXXX XXXX XXXX  {$590.00}
Complaint sub-issue: Investigation took too long

I submitted a complaint to XXXX, XXXX and Equifax and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/2017 and I also faxed it on XX/XX/2017. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.
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 FairCredit Reporting Act 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
Complaint sub-issue: Information is not mine

My wallet was stolen in XX/XX/XXXX-XX/XX/XXXX and a collection bill for XXXX XXXX XXXX, an auto loan from XXXX XXXX XXXX, and a XXXX XXXX XXXX XXXX installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.
Complaint sub-issue: Was not notified of investigation status or results

Reporting agency is reporting inaccurate, invalidated information in which has harmed my credit report tremendously and has caused me severe stress. I am demanding this information be deleted immediately.
Complaint sub-issue: Problem accessing account

I want a third party to have access to my pnc checking account for the purpose of saving extra money. PNC has blocked access even when I enter my username and password.
Complaint sub-issue: Investigation took more than 30 days

I requested validation twice directly to XXXX XXXX XXXX. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. I should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 day validation request to prove I owe the debt to XXXXXXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi i have tried numerous times to submit disputes about my credit reports. I have done a rehabilitation for my school loans to get them out of default and in good standing. The credit reporting bureaus equifax and XXXX are still reporting these old accounts as delinquent amd they are not. The old accounts are still showing negative information on my credit report. I have done dispute after dispute with no results. The credit bureaus equifax and XXXX have 6 duplicate accounts showing on my report these accounts are copies of the updated records that were reported on XX/XX/21. I have explained this to them over and over.
Complaint sub-issue: Reporting company used your report improperly

On X/X/2017 I discovered the Equifax breech and found their response to the situation both disturbing and lacking. After initially confirming they had not secured my data and I was the victim of the breach, I refused to accept binding arbitration and continue with their 1 year of free credit monitoring. This is unacceptable, lackluster, and disgusting at best.
Complaint sub-issue: Reporting company used your report improperly

According to their own tool, I am one of the people impacted by Equifax 's recent cyber security breach.
I have submitted a 90 day alert on my account for all new credit inquiries, but this level of personal data loss is nearly inconceivable to me.
My name, DOB, SSN, and all of my current lines of credit are now permanently accessible by motivated persons on the internet. Who knows what other data was leaked in addition.
What are my options? Change my social security number? This sort of mistake is absolutely inexcusable. The sum inconvenience, to put it lightly, of all affected parties is astounding.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently had my credit report pulled on XX/XX/XXXX. 2019 and I noticed there were several hard inquiries that were removed and has now been reinserted. I called Equifax and spoke with a US representative who removed those hard inquiries. I have since then noticed that they were reinserted and I NEVER received a 5-day notice which is a FCRA violation. I am requesting that all hard inquiries that are being incorrectly reported be removed IMMEDIATELY.
Complaint sub-issue: Old information reappears or never goes away

I have contacted equifax numerous times by phone and also by online dispute. I have a collection on my equifax report that has incorrect and inaccurate information. The collection states on my equifax report that the account for a XXXX collection was OPENED XXXX of 2019 when that is inccorect. I have asked equifax numerous times to remove the collection due to false information and have had no luck and continue to get shot down by them. The account is also not updating to fall off within the the seven year mark and continues to update with no luck on my end trying to resolve the matter. I appreciate our help in advance thank you.
Complaint sub-issue: Trouble with how payments are being handled

A loan of XXXX was automatically transferred from XXXX to American Education Services. Their first automatic payment was extracted at around XXXX dollars, which is my regular payment when other services held it. Then second month with AES, I receive a letter that they will be pulling XXXX on a XXXX amount with 6.8 %. How does that even add up? Through more than 3 servicers, the amount has been a consistent XXXX something per month. I started doing research on them and it appears that I am not the only one to experience this attempt at delaying payments due to hiked amounts in order to cash in on late fees. I am fortunate that I am in a position to just pay it off in one chunk right now so I don't have to deal with them. This way since I am paying it off all at once, they don't even get a chance to try and collect anything extra out of me such as inexplicable extra payments, fees, etc. I feel sorry for the others out there reporting it. Some are trying to bind together for a class action lawsuit. I think this warrants looking into.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019, imitated a dispute due to a significant flight change covered under airlines schedule irregularities policy allowing for a full refund if time change of greater than 60 minutes, which flight qualified for. Travel agent ( merchant )  would not provide refund, so I imitated a charge back. 

On XX/XX/2019, I logged into my credit card account to see the disputed amount had been re-applied to my account. I attempted to obtain the merchant 's response but the file type was not a .pdf format so I was not able to see the reason why merchant claimed I did not qualify for refund. I made multiple attempts to obtain the document from my credit card company, but never received it within the 48 hour timeline that was said to be the time frame for receipt of same. 

Despite this, I provided multiple documents to credit card company on XX/XX/2019, sent via email to XXXX. I subsequently followed up on XX/XX/XXXX via chat to confirm receipt of these documents and chat agent confirmed they were received. 

On XX/XX/2019, I called to inquire on the status of the dispute and while the representative investigated, I was hung up on. 

On XX/XX/2019, I again called to inquire on status of the dispute, at which time, agent informed me that she could not see the documents I originally sent on XX/XX/2019, and asked me to re-send these, which I did to XXXX To date, I have not received any updates or notification on the status of my dispute, nor have I received the credit which is due to me based on the documents provided to credit card company.
Complaint sub-issue: Personal information incorrect

I was going over my credit report and I found several addresses and accounts that do not belong to me. My name is XXXX XXXX XXXX Please remove any variation of my name they are not accurate. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My SS XXXX and DOB XXXX. Please remove the following addresses they are not accurate:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX , XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX . I was a victim of fraud and someone in XXXX XXXX was using my name for account and credit. I have never liver in XXXX.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX Account Numbers : 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  Account Numbers : XXXX. 
XXXX XXXX XXXX XXXX Account number : XXXX. 
XXXXXXXX XXXX XXXXI Account number : 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 : 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions