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

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Old information reappears or never goes away

I contacted the third-party collection agency I made an arrangement to settle what was owed but they still report me as derogatory on my credit report. I informed them that I was unhappy with that type of report could they please remove the derogatory statement and stop reporting it that way because I am trying to get a home and I cant because of the negative report and they denied me so I also said to them according to the fair credit report act I have a right not to have derogatory information in my report and they dismissed it
Complaint sub-issue: Information belongs to someone else

I noticed a XXXX hard inquiry via creditkarma.com I do not apply for any credit cards but noticed a hard inquiry coming from XXXX XXXX XXXX  in the inquiry details. I called the number listed and in one of the prompts it asked for my social security number. THIS WAS A RED FLAG to me. I hung up and did a reverse phone number look up and found that the number listed in the inquiry does not match any belonging to XXXX XXXXXXXX XXXX. The address listed in the inquiry also does not match any belonging to XXXXXXXX XXXX XXXX  according to their website. In fact it belongs to an individual. 

The credit bureaus have allowed a scammer to enter their information into their system which phishes personal information from consumers who trust credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act and the federally protected rights it provides the following accounts are listing improper late payments on my credit report. I have also attached a court order upholding my responsibilities to the following accounts. 

XXXX XXXX XXXX - Account # XXXX Late Payment reporting on XX/XX/XXXX XXXX XXXX Account # XXXX Late Payment reporting on XX/XX/XXXX 15 U.S.C 1681B - Permissable Purposes of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C section 604 A ( 2 ). States a consumer reporting agency can not furnish without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to incorrect information in my credit report. It has been well over thirty ( 30 ) days and I still haven't received the results from any investigation report...
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 XXXX XXXX XXXX. 

Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : FIRST XXXX  : XXXX Account name : XXXX XXXX XXXX IN Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$8500.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681.  In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.
Complaint sub-issue: Didn't receive notice of right to dispute

I have a debt from hunter warfield for the amount of {$2000.00} and XXXX XXXXXXXX XXXX XXXX for {$250.00} that reported again on my credit report, I have disputed these inquiries with my XXXX, it was removed and re-added without notifying me within 5 days prior to adding this inquiries back on my credit report. I have contacted transunion as a good faith attempt. And asked them to remove the inquiry since it was illegally re-added, and they was unable to assist.
Complaint sub-issue: Banking errors

I submitted a claim for unauthorized transactions on my account. On XX/XX/2022, PNC reversed the provisional credit without giving me notification and now my account is overdrawn. Those charges are fraud and I want the credits places on the account.
Complaint sub-issue: Information is incorrect

I had a checkr background check ran for a job at XXXX. My motor vehicle report came back with the wrong info on my drivers liscense being suspended but it has been re-instated and im no longer able to get into my XXXX checkr background check. They emailed my manager to tell me to file a dispute but i can no longer access the background check. I dont know what else to do.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I disputed a Fraudulent collection account from a company named XXXX XXXX XXXX ACCOUNT # XXXX that was sent out on XX/XX/2022 via certified mail and was received on XX/XX/2022. I was informed to even fax over a dispute as well after speaking to the consumer affairs department. In which I did so as well and under FCRA 605B ( 15 U.S.C. 1681c-2 ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, " NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY. '' I have filed an FTC report as well as all other required documents, as advised by the Consumer Affairs Department. When I call they keep giving me the run around and stated that they have their own rules to abide by and that they are sorry ..... This is not helping my Fraud Issue at all, and they are clearly IN VIOLATION OF MY CONSUMER RIGHTS AND IN VIOLATION OF THE LAW. IT HAS BEEN PAST THE REQUIRED TIME AS STATED BY THE FCRA AND THIS FRAUDULENT ITEM STILL REMAINS. I even did research on the company thru the XXXX  and they have thousands of complaints relating to their fraudulent activities!
Complaint sub-issue: Reporting company used your report improperly

I am a natural. I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they've violate my rights numerous times.

I demand the Accounts listed below be remove because.

According to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these 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
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2019 I bought a Visa gift card from XXXX in XXXX, CA. I paid {$320.00} for the gift card and {$310.00} was loaded onto the card due to the {$5.00} fee from Visa for buying their gift cards. I paid for the gift card completely in cash so there is no way to take up this issue with my bank. The first time I attempted to use the card was in person at a restaurant ( after I called the number on the back of the card to activate it ) and it was declined. I called the number on the back of the card again to check my balance and it said I had {$0.00}. I called the same number and spoke with a representative from the card company who told me to fax a copy of my receipt, card ( front & back ) and my driver 's license to the number they gave me. I tried 4 times to fax this and the fax wouldn't go through. I called the number a third time and spoke with another representative from the card company about how a prior representative told me to fax my information but that it wouldn't go through. This representative mentioned nothing about a fax and instead transferred me to someone else who said I needed to file a dispute form and recorded a portion of the phone call where they asked me a series of questions about the card, including if there were police involved and a police report. When I finally got the form, the form said I had 10 days to fill it out and send it. The representatives never told me this information and it was already past the 10 days when I had called the number that third time. I called a fourth time and explained to a different representative what the first two representatives had told me. I was put on hold multiple times and finally given a correct fax number by the representative. They said that someone would email or call me once they had received the faxed documents to discuss about getting me a new card. I faxed the documents again to the correct number and they went through but it has been over two weeks since that fax and still no one has gotten back to me about a replacement card. I have been attempting to get a replacement card since XXXX and it is now XXXX.
Complaint sub-issue: Information belongs to someone else

remove fraud alert from credit file Equifax XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My issue is with Equifax mishandling my credit file ... In particular XXXX XXXX XXXX, on my credit file that was deleted back in XXXX due to fraud..The FCRA requires credit reporting agencies to notify consumers 5 days prior to reinsertion of a previously deleted account..I was never notifed of this account being reinserted back onto my credit file..I have sent certified letters to Equifax in regards to this matter..I have not recieve a reply..I also ask for documents or any instrument bearing my signature or consent that this account belongs to me in the past..It was deleted 4 years ago due to fraud, police report, .and FTC identity theft report..However, it has reappeared back on my file as of XX/XX/XXXX without justification. Which is a violation of federal law governing credit reporting..
Complaint sub-issue: Information belongs to someone else

this debt was part of identity theft, I do not owe the debt, have tried to resolve it several times with written documentation.
Complaint sub-issue: Trouble getting, activating, or registering a card

I am in need of help. I am on unemployment due to COVID-19 since XX/XX/2020. My first UI payment was a paper check ; the remaider payments will be a RELIA CARD deposit with USBank. 
My relia card did not arrive in the mail. I do not have access to my 16 digit card number, which is required to get usbank help. 
I was on the USBank telephone hold for EIGHT HOURS yesterday and many more hours throughout last week. I have photographic documentation of the time I waited to speak to someone. 
I'm really desperate for the $ 2000+ that the govt has deposited into a reliacard account to help me. Now someone from USBank needs to help me get my card ASAP. 
I have written the XX/XX/XXXXto bring USBank 's issues to the public. i hope this complaint will do the same. 
Again, without a card there is no 16 digit account number to work with.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My credit report has false information about me.
Complaint sub-issue: Information belongs to someone else

XXXX   refused to honor my request to delete the fraudulent information after I supplied all of the documents that they required.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX    XXXX -PLEASE DELETE   XXXX   XXXX    XXXX  DELETE  XXXX   XXXX   XXXX PLEASE DELETE  XXXX   XXXX  &  XXXX PLEASE DELETE   XXXX   XXXX     XXXX PLEASE DELETE   XXXX   XXXX   XXXX    XXXX  DELETE  XXXX    XXXX    XXXX -PLEASE DELETE   XXXX   XXXX  PLEASE DELETE  XXXX   XXXX  DELETE  XXXX   XXXX  PLEASE DELETE EQUIFAX  XXXX    XXXX   XXXX     XXXX  PLEASE DELETE   XXXX   XXXX    XXXX -PLEASE DELETE   XXXX   XXXX     XXXX  PLEASE DELETE
Complaint sub-issue: Information belongs to someone else

Incorrect Items. 

Hard Inquires that I did not authorize. I have reached out to different companies and Equifax have received no assistance. 

HARD INQUIRIES THAT ARE INCORRECT : EQUIFAX 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 INCORRECT INFO : XXXX XXXX XXXX XXXX account XXXX XXXX is showing as account being closed but is actually open and active
Complaint sub-issue: Public record information inaccurate

There is a Bankruptcy being report on my report that I have no knowledge of. I have reached out to XXXX XXXX and they do not have a record of a bankruptcy under my name and SSN. I will attach the letter.
Complaint sub-issue: Debt is not yours

I sent letters to them disputing the alleged debt, but they ignored my request and fail to provide proof of claim as I requested. I sent several letters explaining myself as well as requesting to be provided with any contract, affidavit or agreements which would bear my signature and theirs showing that I was indebted to them, and they refused and never answered.any of my letters. 

All my Mail was sent by Certified Mail, Returned Receipt requested, and the were returned to me signed.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX : {$240.00} ; XXXX XXXX Balance : {$29000.00}
Complaint sub-issue: Information belongs to someone else

I have two accounts on my credit report that are reporting information that is illegally being reported to my credit report hence withholding me from seeking new lines of credit. Equifax IS BREAKING THE LAW. The accounts are from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX with the account number XXXX and XXXX XXXX XXXX  with the account number XXXX. Equifax is in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report. No consent is indeed identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Therefore, I, XXXX XXXX, never gave Equifax any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see an affidavit singed by a Equifax supervisor or executive detailing where I gave Equifax written consent to transfer my identification. You have violated U.S. Code 1028A. I have tried relentlessly to remove these accounts with the credit bureau and original creditor and they have failed to remove the accounts from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  account and XXXX XXXX XXXX that they illegally furnished via my credit report. I will not be extending my credit report to anyone if this can not be resolved expeditiously.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, Amount {$380.00}, I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for ( XXXX ) XXXX XXXX. 

XXXX XXXX Amount {$230.00} XXXX XXXX XXXX I wrote them asking to Validate the debt being I never had services with the company the debt collector.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX continues to report that I owe {$8900.00} to XXXX. This is not my account and I do not owe this account. I have disputed this information several times. This company is violation the Fair Credit Reporting act and I am entitled to a fair and accurate credit report,
Complaint sub-issue: Problem with statement of dispute

I disputed a judgement that has been vacated. They refuse to remove this and say it was verified. I have written documentation that it has been vacated and should be removed from my report.