Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I received a copy of my XXXX credit report and disputed the following items in writing on XXXX XXXX, XXXX via return receipt mail to XXXX that I did not recognize. 

1. Previous address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Reported XXXX 2. Credit Account Number XXXX XXXX XXXX XXXX {$1800.00} 3. Credit Account Number XXXX XXXX XXXX {$1800.00} I also mailed a dispute letter to both Jefferson Capital and XXXX via return receipt on XXXX XXXX, XXXX. I have attached a copy of the letter to Jefferson Capital. 

On XXXX XXXX, XXXX, I received a confirmation result letter from XXXX  that they are deleting all three disputes. I have attached a copy of this letter. 

On the same day, XXXX XXXX, XXXX, there was a letter delivered to our address to the attention of a XXXX XXXX from Jefferson Capital regarding the {$1800.00} debt. The letter states that they must be notified with 30 days after receiving this notice to dispute it and enclosed a form to complete personal information including your social security number. It also says that unless I notify their office within the 30 days that their office will assume this debt is valid. 

I am officially filing a complaint against Jefferson Capital to stop all communication. XXXX has already deleted my disputed items and I am not familiar with an XXXX XXXX.
Complaint sub-issue: Problem with personal statement of dispute

Essentially, I do not have access to my mailbox currently. I have not been able to make payments because I didnt know who my lender was. I did not receive any emails or calls ( when I found out who my lender was through XXXX yesterday, which is USBank, I called USBank and found out they had my wrong email ). 

I have paid off the entire payment in full and now setup auto payments, but I do not believe any of their employees have contacted me via phone and since email was wrong, I did not get any notification of who my lender even was to pay my mortgage to. 


They are unwilling to reverse the delinquency charge. My credit score dropped 150 and this will effect me for years.
Complaint sub-issue: Was not notified of investigation status or results

Mailed out letter to Equifax on XX/XX/XXXX and XX/XX/XXXX and they failed to show proof that each account is 100 % accurate. 

I ask to share with me their method of verification for the following accounts in question and I have yet to hear back from them.
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. 

Account name : XXXX XXXXXXXX # XXXX, Account name : 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 information incorrect

Not mines I never signed any paperwork to go back to school I do construction Im in the union I have a career
Complaint sub-issue: Information belongs to someone else

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I still have some inquiries passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Original request sent via CFPB portal on XX/XX/2022 Complaint # XXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Complaint sub-issue: Debt is not mine

I am repeatedly getting calls from local number XXXX stating that severe allegations have been attached to my name and ss number and that I have XXXX hours to contact them at XXXX to provide a statement or they will file paperwork with the courts and I will lose all legal rights. They have also contacted my ex fiance. I have attempted to call back XXXX to both the local and toll free number. After several rings it states to leave a message then says that the mailbox is full. No identification of company. I do not owe anyone any money nor have I taken any loans out. I did some research since you are unable to actually speak directly to a person and discovered that this is a company named Direct Capital and they are harrassing numerous people.
Complaint sub-issue: Their investigation did not fix an error on your report

Beginning last year, I noticed a collection account listed on my Equifax credit report. This account has NO creditor information listed or any creditor contact information. I have requested that Equifax investigate this account and supply me with the creditors information. My most recent request was on XX/XX/XXXX, as of today XX/XX/XXXX I have not heard back from them regarding this matter. The account is still being reported on my credit report negatively and I have no way to dispute or even contact the creditor and Equifax has done nothing to help me.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a tax lien while I was getting divorced and going through a bankruptcy reported  XXXX   XXXX   XXXX , it was paid and released  XXXX   XXXX ,  XXXX . Of the  XXXX  reporting agencies Equifax has declined to take it off my credit report also it does not show it was released. I disputed this with a credit repair company as well as direct dispute with Equifax, also I called.   How do I get it released?   Thank You!
Complaint sub-issue: Debt was paid

CKS PRIME WAS PAID IN FULL ACCORDING TO THEIR OFFER AND STILL SHOWED AS BEING OPEN. I HAVE CONTACTED THEIR SUB COMPANY, DEBTSY AND THEY SENT ME A LETTER STATING THIS ACCOUNT WAS PAID AND ANY FURTHER COMMUNICATION MUST BE WITH CKS PRIME. THEY ARE STILL SHOWING AS OPEN ON ALL 3 CREDIT BUREAUS IMPACTING MY ABILITY TO GET A MORTGAGE. THIS NEEDS TO BE MOVED SO MY CREDIT SCORE WILL INCREASE. THIS IS NOW THE XXXX TIME I HAVE REACHED OUT AND STILL NO ACTION HAS BEEN TAKEN. 
THIS ACCOUNT WAS OPENED UNDER MY MARRIAGE NAME OF XXXX FOR WHICH I NO LONGER GO BY. 
* I HAVE FORWARD COPIES OF MY BANK STATMENT AND CHECK CLEARNING TO SHOW THE DEBT HAS BEEN PAID TO DEBTSY AND THEY CONTACTED CKS PRIME. THERE ARE WAY TOO MANY HANDLERS WITH COLLECTION ACTIVITY AS THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I received an approval letter for a covid-19 deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being 150-179 days past due, XX/XX/XXXX being reported as 120-149 days past due and XX/XX/XXXX being reported as 90- 119 days due. 
I want this lates removed off my consumer report.
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX, XXXX, and equifax many times about unauthrized inquiries on my credit file. They either don't respond, or they send me a very vague letter of response.
Complaint sub-issue: Their investigation did not fix an error on your report

I am reaching out to you for help because Equifax and XXXX  refuses to raise my credit score after a bankruptcy was removed from my credit profile back in XXXX of this year. I filed chapter XXXX bankruptcy in XXXX of XXXX and paid if off within 3 years. Since that time I have incurred new credit, refinanced my mortgage, opened a new car loan, paid student loans on time, and opened several major credit cards that all paid on time. When my bankruptcy was removed in XX/XX/XXXX, I knew that my score should increase because I've opened new credit since the bankruptcy but instead Equifax and XXXX  refuses to add the points that I deserve. I have called them and pled my case however, I was told to wait 30 days and to contact each creditor under the bankruptcy from 7 years ago and ask them to remove the negative remark. The thing is there are no negative remarks because it was removed when the bankruptcy was removed. I believed that I am being discriminated against because I am a single XXXX American woman. My credit scores with all 3 bureaus, XXXX, Equifax and XXXX  were close to the same, XXXX, before the bankruptcy was removed but now there is a 30 point gap in my scores. XXXX  added the points back to my score which put me in the 700 's with my score while Equifax and XXXX  made excuses and gave me the runaround. There is no other explanation for this other than prejudice against my ethnicity and sexual orientation. I only want to received what I have worked to get and ask that my credit score is brought up to what it should be.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to create a XXXX account for the past several months, but I have been unable to create it due to lacking verification on Equifix : I sent in the require documentation to the address listed, which I was latter told was incorrect, and had to do send it once again to a different address, and I have been calling them frequently to see if they received the information, and now their telling me to send it in once again. I was later told I needed to make an account, but I am unable to do that as I need to once again send the information in.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX, XXXX Equifax removed a charged off account from XXXX XXXX from my credit file. On XXXX XXXX, XXXX Equifax reinserted the information on my credit file without providing me a written notice within 5 business days. This is a clear violation of the fair credit reporting act which states : ( B ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL. -- ( i ) CERTIFICATION OF ACCURACY OF INFORMATION. -- If  any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) NOTICE TO CONSUMER. -- If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Complaint sub-issue: Information belongs to someone else

im writing you guys in regards to all of the fraudulent accounts on my credit report.i am a victim of identity theft. I need it all removed. I've sent a letter to the credit bureaus with all my information and all the fraudlent accounts to be removed.
Complaint sub-issue: Problem getting my free annual report

I tried to get my free Equifax credit report online. While going through their process, the application timed out and they are now demanding that I mail information to them with my ODL and social security number.
Complaint sub-issue: Their investigation did not fix an error on your report

I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. 

Showing late on theses dates 1. XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 3.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX  Acc # XXXX XX/XX/XXXX,XX/XX/XXXX 5. XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

incorrect high balance incorrect date last activity incorrect date reported incorrect date open
Complaint sub-issue: Personal information incorrect

I sent a letter for Eqifax and also I have faxed a letter with my id and ssn card photo on the top of the letter and asked to change of my address and removing the wrong address also I asked to remove the hard inquiry that is not belonging to me and I explain for them that is not from me and they didnt remove it also they have my name wrongs. 
Because of the false and wrong reports Equifax caused me a lot of problems and effected on me as a XXXX XXXX and also effected on my Childrens life Equifax preventing me to grow on my financial life thats effected on my family as well. 
The personal statement that Equifax is reporting to any creditor it caused me to not having any credit card or any loan to make my families life easier! Im wondering why??!!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and the Account Name ; US BKPT CT GA 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
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting.

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Equifax, XXXX  or XXXX  ) this action might constitute fraud under both  Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act
Complaint sub-issue: Reporting company used your report improperly

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status..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: Information belongs to someone else

Hello, I have sent this letter below to the credit bureau attached. Nothing has been done and the incorrect fraudulent information/account still remains on my credit report. Im asking if you can contact them with hopes this will be removed and updated immediately. 

Equifax Information Services, LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX Dear Equifax : Regarding the following account : XXXX XXXX XXXX XXXX requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above item is inaccurate, misleading, or incomplete, you may have violated federal law. 

I expect you to make a reinvestigation immediately. My social security number is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Thank you, XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I have been a victim of identity theft since at least  X/XX/2017  . I filed  an initial fraud alert with  XXXX  and they forwarded it to  XXXX  and Equifax. I received confirmations from   XXXX   ( dated   X/XX/2107   ) and   XXXX    (  dated   X/XX/2017   ).     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency (   XXXX   XXXX   XXXX   [  XXXX   XXXX  CO  ] Police Department )    XXXX   XXXX   information notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the  XXXX  nationwide agencies ... ''. However, I 've tried the various phone  XXXX  options on each of the phone numbers given in the confirmations (  XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not confirm my identity. In another case, because the system hung up on -- selling me -- my credit score and would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my   XXXX   credit report failed because I had already requested it once it the last year. My attempt ( on  XXXX  ) to order a second report (  XXXX  I believe ) failed because my eyes are no longer good enough to pass most Captchas particularly those with ragged text on multi-colored backgrounds and those asking  one to  click on the pictures that have  X ( c ars, traffic signs, boats ) in them.
Complaint sub-issue: Debt was paid

Approximately 4 months ago I settled a debt with Conn 's Appliances , Inc. through the collection company for which they referred my deliquent account to XXXX XXXX XXXX XXXX. The balance due was {$2000.00}. I contacted XXXX XXXX XXXX and stated to them that I was rebuilding my credit and I would like to settle the outstanding balance. We negotiated and agreed upon a favorable amount of {$980.00}. I received a letter from XXXX XXXX stating their client Conn 's Appliances , Inc.,  authorized to proceed with the settlement offer. I provided XXXX XXXX XXXX a posted dated draft from my checking account which authorized the payment draft for XXXX/XXXX/XXXX. I received a letter from XXXX XXXX XXXX dated XX/XX/2017 they received the payment and posted the payment to my Conn 's Appliance Account. I have reviewed my credit reports from all three bureaus and see where Conn 's Applicance is providing falsified inaccurate information on my credit reports stating I have a remaining owed balance of {$990.00} that is delinquent. I written all three credit bureaus with supporting documentation of agreement and cancelled draft/check that shows this is now a settled debt. All three bureaus are telling my that Conn 's Applicance is stating I owe this amount and the account is still open. This is not fair nor is this in compliance of the FTCA.