Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX, 2017 Equifax became aware of a breach in security that included stolen information for 100+ million people. It has taken well over a month for the company to disclose this information to the public, allowing whoever accessed the data to sell or use it and denying consumers the right to protect themselves by adding alerts or be on the lookout.
XXXX XXXX, 2017 I became aware of a security breach wherein millions of people and I were put at risk of fraudulent activity. I have gone forth and put a fraud alert on my accounts and looked over my credit report for suspicious behavior. I have verified with the Equifax site, and my information in fact has been breached by this incident and I am still not sure what the resolution for this mismanagement will be. I would like Equifax to find a speedy resolution in order to put the millions they put at risk at ease and put more measures in place to aid those like me who are affected.
Complaint sub-issue: Personal information

I have a few concerns on my credit report, that 's not accurate! 
1. My names used are incorrect. ( my wallet was stolen or lost in XX/XX/XXXX & XX/XX/XXXX ) 2. Account terms and status are incorrect ( multiple school accounts with is only XXXX in good standing. ) 3. The creditor for my mortgage will not list my Debt on my credit report which would help my credit score. ( Never was late with payment in 15 years ) 4. Have an judgement on my credit report that been resolved. ( Still showing )
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

A company keeps reaching out to me and my entire family from various phone numbers stating i owe them XXXX from bestbuy in XXXX. They keep harrasing me and my family stating they are going to take me to court and i must reply within 24 hrs or they will take action in court. I filled for bankruptcy in XXXX. Anything from besbuy after that would have been identity theft or just a scam. I did tell them to give me their company name and proof of such purchases and nothing. I even called bestbuy legal dept and they dont see anything on file.
Complaint sub-issue: Information belongs to someone else

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

I am the consumer this is not a XXXX party speaking on my behalf. I have submitted numerous letters to each credit reporting agency to have items that i the consumer, did not give consent to be on my consumer report removed. The companies continue to verify the information without submitting the method of verification and providing documentation of the investigative consumer report. There are also accounts listed on my consumer report that are not mine and are fraudulent. Pursuant to 15 USC 1681a ( 4 ) this is a violation of my privacy because these agencies are furnishing private information without my express written consent, these actions also constitute identity theft by each credit reporting agency.

While the agencies continue to report these accounts as verified this is also a violation of federal law and fraudulent activity on the part of each of the credit reporting agencies. Pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ), information reported can not be only transactions between myself the consumer and the companies listed on my consumer report. Furthermore, I, the consumer was never given a chance to direct whether I wanted certain information furnished pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( iii ), neither of these agencies offered me a chance to opt out of the reported information.

I, the consumer am also aware that using the identifying information of another person without authorization constitutes identity theft in accordance with Regulation V 12 CFR 1022.3.

Pursuant to 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer. I, the consumer, never gave express written consent or authorization for any negative information to be furnished. These reporting agencies have committed fraud by using my identifying information without any lawful authority to furnish the information, by definition these credit reporting agencies have committed identity theft.

Pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with all furnished account information is not relating to any transaction by myself, the credit reporting agency is required to place a block on my consumer report on the information associated with the accounts listed within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I sent each credit reporting agency an identity theft report filed with the Federal Trade Commission with identifying documents attached ( drivers license, social security card ) and a statement from I the consumer, via certified mail.
Complaint sub-issue: Account information incorrect

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 not given my written instructions XXXX account the number is XXXX .... 

XXXX says the balance is {$830.00} XXXX says it is {$0.00} equifax says it is {$830.00} date opened XXXX  states XX/XX/2017 XXXX states XX/XX/2017 equifax states XX/XX/2017 not all equal
Complaint sub-issue: Investigation took more than 30 days

This account is more than seven years and investigation is taking more than 30 day for this negative account on my credit report US DEPARTMENT OF EDUCATION ( CLOSED ) xxxxxx XXXX {$5500.00}
Complaint sub-issue: Information belongs to someone else

The following account had fraudulent charges made on it and it is reporting as open when it is in fact closed. Also they are reporting the account as a factoring company account which it is not also the account was re-aged as well and they do not list the date of last activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA-XXXX  Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$4600.00} Type of Account : Open Credit Limit : Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$4600.00} Date Reported : XX/XX/XXXX Amount Past Due : {$4600.00} Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : 42 Creditor Classification : Banking Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Collection account 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CA NR NR CA NR XXXX NR NR NR NR NR NR NR NR NR NR CA NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR
Complaint sub-issue: Information belongs to someone else

After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX on XX/XX/XXXX and XX/XX/2017. I attempted to reach creditor and was unable to.
Complaint sub-issue: Debt is not yours

I WENT TO THE XXXX XXXX XXXX  WEB SITE AND ACCESS INFORMATION FROM 1988 FROM XXXX XXXX XXXX. I FOUND A LOT OF INACCURACIES AND FALSE REPORTING. FROM XXXX XXXX COLLEGE THIS COLLEGE FALSIFIED DOCUMENTS AND SHOWED ME ENROLLED AS A STUDENT FOR 2 YEARS AND GRADUATED. I ONLY ATTENDED THIS SCHOOL FOR ABOUT 2 WEEKS AND I DROPPED OUT DUE TO XXXX. APPARENTLY THEY GOT CHECKS IN MY NAME AND CASHED THEM. THIS IS NOT MY STUDENT LOAN. I SENT PROOF OF FRAUD BY THE SCHOOL THAT WAS GOING ON AT THE SAME TIME I WAS ENROLLED. PLEASE REVIEW THE DOCUMENTS I SUBMITTED AND I CAN SHOW PROOF THEY FALSIFIED MY STUDENT RECORDS AS LIST ME AS A GRADUATE. PLEASE REINVESTIGATE THOROUGHLY AND REMOVE FROM MY CREDIT FILE .XXXX   XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

A judgement for Discover Bank was mail to me on XX/XX/2019. I never knew that I had a judgement against me until this date of XX/XX/2019. I stated that I had never gotten served papers for this judgement. The organization XXXX XXXX XXXX XXXX claim that they serve me papers. The Affidavit of Services paper that was sent to me. Is not the descriptions of me or anyone in my family. I have attach my drivers license to show proof that they didnt serve me papers.
Complaint sub-issue: Debt is not mine

I received a letter from this company demanding payment. To my knowledge I have never signed a contract with this company and they have never provided me with services or goods
Complaint sub-issue: Public record

Unknown, and no verification provided, I am also XXXX not XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Requested XXXX original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.
Complaint sub-issue: Information belongs to someone else

I checked my credit report after getting a preapproval for a home loan in XXXX, 2022 and saw that there are numerous incorrect information on my report. There seems to be accounts that are business accounts that do not belong to me as well as charge offs and collections that are interfering with my going any further in obtaining a loan to purchase a home. I have tried numerously to call these companies within the last 3 months and have not gotten anywhere. They are very rude and intimidating. XXXX XXXX told me that I had no choice but to make a payment to settle both of those business accounts listed only in efforts to solve this issue but now after I paid them in XXXX of 2022, they told me that they will keep this on my report for 7 years anyway even though the accounts belong to a business and they do not have a contract signed by me for these accounts. 
The others, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ), I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX are inquiries that I did not authorize and need to be removed. I am now aware that these are also a violation of consumer law 15 USC 168b. I have tried so hard to fix this problem with my credit report and I feel very helpless. This is causing me severe anxiety and XXXX because I am not able to move any further. I am begging for someone to help me with this please.
Complaint sub-issue: Investigation took more than 30 days

I have called, faxed, and emailed the bureaus ( the one that would accept emails ). In my letter dated XX/XX/XXXX I requested that each bureau investigate the fraud that has gone on with my file. I called 2 weeks later to follow up XXXX said that they refused to investigate because " They didn't believe I was disputing '' who else would go through this much XXXX for me is what I said '' The representative for Equifax said they had no record of the dispute even though I sent the dispute certified they then tried to sell me their product for {$29.00} so that I can avoid this happening again with no discussion about a remedy to the dispute. I then called XXXX and they just flat out lied and said that they don't see it on my file and they would investigate but it takes 90-120 days. I have now read all that I can regarding identify theft and I now realize that the BIG 3 bureaus are probably the ones doing all the stealing who else has the time? So in conclusion all 3 Bureaus basically told me they are not going to do anything and that if I paid them {$29.00} this may not happen to me again. What a Joke our system has become thank XXXX for XXXX XXXX XXXX hopefully he will FINE them back into true Consumer Agencies and not for profit business that dont give a darn about the American Citizens
Complaint sub-issue: Reporting company used your report improperly

FED LOAN HAS BEEN USING MY REPORT FRAUDELANTLY xxxxxxxxxxxxx XXXX I DIDN'T ALLOW THEM TO USE MY PERSONAL INFORMATION WITH OUT MY CONSET THEY ARE IN VIOLATION OF 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 

This is grounds for removal and monetary relief immediately.
Complaint sub-issue: Account terms

XXXX is listed on my Equifax report as charging off then going positive, and then charging off again, and then once again going positive. This is inacurate information reflected in my payment history that continues to keep my credit rating from improving. There are several accounts that are inacurate with my Equifax file that i have tried and tried to get resolve i have uploaded documentation that supports my claim.
Complaint sub-issue: Reporting company used your report improperly

The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX. Dispute letters were sent to the companies to dispute the matter, no correspondence yet.
Complaint sub-issue: Didn't receive enough information to verify debt

I filed a compliant with your agency in XX/XX/XXXX, company never verified debt with collection agency and it was deleted from credit report. In XX/XX/XXXXit was sold to another agency which is reporting in my report without validation. 
Consumer Financial Protection Bureau Reference Number : XXXX ; XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

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. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below was the account that is still reporting on my account : XXXX XXXX-XXXX-Balance : {$430.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was a victim of the XXXX inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I want the inquires removed
Complaint sub-issue: Information is not mine

I never established accounts or know anything about the following XXXX creditors listed on my credit report XXXX XXXX reported by Equifax, XXXX XXXX XXXX reported by XXXX, XXXX XXXX reported by XXXX
Complaint sub-issue: Account status

In XX/XX/2016 I called to downgrade my Citi ThankYou Premier account to a card with no annual fee. I did this before the annual fee was due on the Citi ThankYou Premier account. I was promised that the fee would be reimbursed and was approved for a Citi Double Cash account. In XX/XX/2016 I noticed the annual fee of {$95.00} was transferred from my ThankYou Premier account to my Citi Double Cash account. I called customer service in XX/XX/2016 and was again confirmed that the fee would be reimbursed/credited to my account. However, that was never done and my account went past due. Finally, in XX/XX/2016 the membership fee, late fee and interest charges were refunded back to me. 
I have excellent credit and the late payment that Citi is reporting to the XXXX Credit Bureaus is negatively impacting my credit score.
Complaint sub-issue: Reporting company used your report improperly

I requested my consumer report on XX/XX/2021 from Equifax Information Services LLC and XXXX. Upon receiving the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " Bureau '' means Bureau of Consumer Financial Protection. At no time did I ever sign a contact with Equifax Information Services LLC and XXXX  ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this is identity theft.
Complaint sub-issue: Public record information inaccurate

There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, XXXX and Equifax.
Complaint sub-issue: Information belongs to someone else

Remove the fraudulent accounts from my credit report
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I contacted XXXX again as well as opened disputes with XXXX and equifax ( been multiple times XXXX to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XXXX/XXXX/XXXX I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully XXXX, Equifax and XXXX must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.
Complaint sub-issue: Account status incorrect

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be  entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the  FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with 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 removed immediately. 

South Carolina Student : Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I did not do business with these companies. Please remove everything, including these other accounts : 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 with a Credit limit of XXXX. Also, these credit card accounts were closed due to some unknown charges after it got stolen : XXXX XXXX, XXXX XXXX Balance XXXX, XXXX XXXX Balance : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Balance XXXX. These are unauthorized charges made by someone else. Lastly, this is another Fraudulent inquiry that I want removed : XXXX XXXX  Date : XX/XX/2020.