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

I have mailed several written requests to the credit reporting agency to remove all of the listed places of employment from my file. The information provided is incorrect. I have never worked for the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or any of the other companies listed in my report. The credit agency has failed to honor my request and remove this false information from my reports. It is causing issues for me when I go thru security screenings. I am asked very often to verify time period for places of employment that I have never worked. The credit agency needs to remove this erroneous information as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

I was a part of the Equifax breach three months ago.
I was not notified for three months, and I have not been informed about exactly WHAT information was compromised.
I am deeply disturbed not only be the fact that they allowed this breach to take place but that they waited three months to notify impacted individuals about the breach.
Complaint sub-issue: Other problem getting your report or credit score

On Sunday, XX/XX/2019 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX. When attempting to start new service, the XXXX XXXX XXXX representative was gathering my information for my application and running my credit report. 

Upon the XXXX XXXX XXXX representative running my application, he received an error message to contact one of the bureaus. The representative then asked me " Have you ever been a victim of Identity theft? '' I informed the XXXX XXXX XXXX representative that I have never been a victim of identity theft. 

The XXXX XXXX XXXX representative did as requested calling the number and the representative on the other line stated my information on my drivers licence does not match my social. They informed the XXXX XXXX XXXX representative I have to contact the 3 credit bureaus. 

I first filed a police report Monday, XX/XX/2019 and when attempting to contact the 3 credit bureaus I was informed through the animated system I can not proceed as my information entered does not match my social. 

So what documentation do you need for me to confirm my very own identity so this doesn't happen again?
Complaint sub-issue: Problem with personal statement of dispute

On my XXXX  report my 13 Student Loans between XXXX XXXX XXXX College and XXXX XXXX XXXX XXXX College were Transfered to XXXX  from XXXX. I consolidated my XXXX  loans to XXXX XXXX. XXXX  had them as being collection accounts with a XXXX  balance. I contacted XXXX who said they were never collections accounts and should be marked paid in full. A notice was sent that the dispute investigation was finished and they were marked collections/paid. I disputed that after calling and letting XXXX know. XXXX  said they made their investigation and they were still collection accounts. This is untrue. They are not and never were collections. XXXX  then told me they would only be on my credit report til XX/XX/2021, that is when 7 years was up so I should not worry about it. The XXXX loans are showing 120 days past due and they should be closed. Not only that but they were rehabilitated, but into general forbearance, and had hardship deference on them. All those actions should have taken any past due balance away. I can not reach an XXXX  customer service rep and the only note in all now 26 of these loans on my reports says dispute investigated, consumer not satisfied. This is not how I was counseled during student loan counseling this would work and XXXX/PHEAA never told me the transfer to XXXX. I am tired of fighting these loans.
Complaint sub-issue: Reporting company used your report improperly

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Please see attachments
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX  ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX
Complaint sub-issue: Personal information

On my credit report it has XXXX XXXX XXXX XXXX XXXX Texas XXXX which is my ex husbands address with his new wife. I have never lived there. Also shows as working for XXXX XXXX, I 've never had them as an employer. I want to make sure my ex husband or his wife did not open up any forms of credit in my name. Anything with those XXXX pieces of information are not mine. Thank you!
Complaint sub-issue: Not given enough info to verify debt

Called company for a verification of debt letter. Spoke to XXXX reps and a supervisor ( XXXX ) was told that a verification of debt letter can not be sent to NY residents.
Complaint sub-issue: Information belongs to someone else

There are 8 accounts on my credit report that are not mine I have not applied used or know of these accounts I need them off my credit report ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - Acct # XXXX Amt {$5800.00} XXXX  XXXX - Acct # XXXX Amt {$14.00} XXXX XXXX - Acct # XXXX Amt {$330.00} XXXX XXXX - Acct # XXXX Amt {$790.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$130.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX. XXXX - Acct # XXXX Amt {$330.00}
Complaint sub-issue: No notice of investigation status/result

Sent certified letters to advise the info is incorrect and letter that creditor agreed to remove. Still not corrected from XX/XX/XXXX
Complaint sub-issue: Problem getting my free annual report

On the Equifax.com website they present the end user with security questions in order to access the annual " free '' credit report. For example " Your credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? '' They then provide XXXX multiple choice answers XXXX of which is None of the Above. The problem is that none of the answers pertain to your credit file and even if you answer none of the above the website reports back that your answers do not match up with their database. The questions and answers are bogus and essentially designed to prevent users from gaining access to their reports on-line. In each attempt the user fails the security " test ''. The next window then asks the user to fax copies of personal documents ( e.g. driver license, XXXX, etc. ) to a particular phone number to verify identity. The intent is obviously to make it difficult for consumers to access their free report in the hope that consumers subscribe to their " member services '' for a monthly fee. This is fraudulent. My wife and I have both tried to log-in on several occasions and the questions change each time but are never relevant to our credit history. We know these fictional accounts do not exist. How many others have experienced the same? If you search " Equifax free credit report verification '' you will see that others have had similar problems. The other XXXX reporting agencies provide access without complaint.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair credit act XXXX XXXX XXXX Account # XXXX, XXXXXXXX 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 that a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector. or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Collected or attempted to collect exempt funds

On XX/XX/2022 the original creditor sent a letter stating they are not actively collecting the debt. Someone other than listed collector now owned the account, and that they were not collecting on the debt. On XX/XX/2022 the original creditor sent a letter stating the statute of limitations has passed, and again stated they were not collecting the debt. They did however ask me to send them money. They also said they were putting a statement on my credit report. I am against any statement on my credit report from entities with conflicting reporting practices. It's past the statute of limitations as they have acknowledged. Social Security income is exempt anyway. Account should be closed like the other Citibank account. 

On XX/XX/2022 collection agency told the CFPB they have " closed the account and removed any associated credit reporting tradelines '' but they did not as of XX/XX/2022. 
15 U.S.C. section 1692 ( e ) of the Fair Debt Collection Practices Act states the threat to collect a debt you have no intentions to collect is a violation. Close and remove tradeline as stated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to get these items corrected with the credit reporting agencies back in XX/XX/2022. I recently noticed that they still have not deleted the items i reported to them that were wrong. I am requesting again that these items be deleted from my credit report asap. because they are hindering my mode of living and causing me from getting a mortgage. I have reported this to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquiries they are fraudulent and I want to get them removed.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/XXXX, I attempted to obtain my free annual credit report from Equifax using the XXXX website. There is never a problem receiving my credit report from XXXX or XXXX XXXX but this year, just as last year, Equifax refused to provide the report. After answering a multitude of identifying and security questions, they indicated I must send by mail a number of very personal financial documents, which could be lost in the mail and fall into anyone 's possession. I experienced this same problem with Equifax last year and after filing complaint # XXXX with the CFPB, the matter was quickly resolved and I received my report by mail. When I filed complaint # XXXX this year, after experiencing the same problem as last year, it was dismissed as being a duplicate of a previous complaint filed the preceding year. THIS IS A NEW COMPLAINT. It is a NEW problem for THIS year. Do not dismiss this complaint as a duplicate. I received my Credit Report LAST year but were refused my Credit Report THIS year. Equifax didn't have a problem providing my Credit Report and all of my other personal financial information they possessed a year and a half ago to hackers but refuses to provide it to me. Please provide me my free annual credit report as required by law.
Complaint sub-issue: Information belongs to someone else

I noticed a few inquiries on my report I do not recognize
Complaint sub-issue: Problem accessing account

I dont know if i am in the correct place or not but I NEED TO BE ABLE TO USE THE XXXX APP!!!!!! I bank with PNC and they wont allow me to use the app even when i sign in. Please change this bs!
Complaint sub-issue: Investigation took more than 30 days

I have been disputing erroneous items in my credit for quite some time and I have not received any response from the bureau
Complaint sub-issue: Account status incorrect

I have paid off my XXXX balance. 
However, it is showing on my credit report as late. I can verify with bank statements that balance is paid off at fall 2015.
Complaint sub-issue: Account information incorrect

The original debit was with XXXX XXXX then sold the debit to XXXX XXXX XXXX. On XX/XX/21 XXXX XXXX XXXX agreed to a settlement payment of {$700.00} and also agreed to report the account as paid in full. I have connected all three credit bureaus that the account was paid in full per settlement agreement. XXXX and Equifax arfe still allowing this debit collector to report this account negatively even though supporting documentation was provided showing that an agreement was made and paid. Debit was paid as agreed on XX/XX/21. Debit collector is not permitted to report an account inaccurately and falsely. Please review supporting documentation directly from debit collector and payment from me. Please help correct the incorrect reported information. Debit was settled and paid as agreed. 

Thanks in Advance, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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 An 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: Threatened or suggested your credit would be damaged

XX/XX/2020 US BANK WAS NOTIFIED BY CERTIFIED MAIL FOR A DEBT VALIDATION AND CEASE AND DESIST ALL COMMUNICATION. US BANK CONTINUED WITH HARASSMENT PHONE CALLS ON XX/XX/2020 AND XX/XX/2020. AS WELL AS A THREATENING LETTER USING OBSCENE AND PROFANE LANGUAGE DATED XXXX XXXX. IN ADDITION TO EXHIBITS ATTACHED EXHIBITS WILL SHOW A TOTAL NUMBER OF 14 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS BY US BANK UNDER 15 USC 1692. THE FACTS SUPPORTED BY NOTARIZED AFFIDAVIT OF TRUTH. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A US BANK is in violation of 15 USC 1692f. ( 8 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit C, Exhibit D that US BANK is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, Exhibit C, Exhibit D, Exhibit E that US BANK is in violation of 15 USC 1692e ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit E that US BANK is in violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit F and Exhibit G that US BANK is in violation of 15 USC 1692d ( 5 ) and has proof that US BANK was made aware to cease and desist communication by certified mail on XX/XX/2020 Exhibit I. 

Fact, affiant is aware and has proof in the attachment Exhibit H that US BANK is in violation of 15 USC 1605 ( 5 )
Complaint sub-issue: Their investigation did not fix an error on your report

I'm filing this complaint because XXXX, Equifax and XXXX  refuse to delete unverified bankruptcies from my credit report, after several disputes. As of now there is 1 bankruptcy reporting on my XXXX  report and there are 4 on XXXX  and 4 on Equifax. Under the FCRA, I have the right to : - Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. I sent several letters to all 3 companies asking them to verify the bankruptcies along with requesting the procedure on how it was done, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. This is one of the laws under the FCRA. XXXX, Equifax and XXXX refuse to give me this information along with deleting the bankruptcies. The FCRA requires that XXXX, Equifax and XXXX  verify all information from the original data furisher and they have not done so. In addition I soke to a representative from XXXX named XXXX and she said they would not release what company they use to verify public record information. I have a letter directly from the US District Bankruptcy Court that stats they do ( NOT ) report information to the credit bureaus. This is the original data furnisher stating this. So All bankruptcies need to be deleted immediately per the rules and laws mandated by the FCRA PERIOD.
Complaint sub-issue: Information is incorrect

on XX/XX/2020 i received an email from discover card telling my account is closed due to inactivity.The email shows a credit score of XXXX which is incorrect from XXXX.A XXXX report from XX/XX/2020 shows a credit score well over XXXXI dont know where discover is getting there score from buts its incorrect.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquires on my credit report.
Complaint sub-issue: Debt is not yours

Hello, There's a collection company called IQ DATA that has been contacting me via telephone about a debt I have no knowledge of. The first phone call was around XX/XX/2021 in which I explained to the representative that I've never had an account with their so called client ( XXXX XXXX XXXX ) which is the original creditor. They asked me if I ever lived at the address where the account was originated in which I told them " NO ''. I recently seen that IQ DATA is reporting that I owe this debt of {$140.00} to the credit bureaus XXXX XXXX XXXX. I sent IQ DATA a letter asking them to send me a description of the services and charges or anything that proves this account belongs to me and they responded with a letter stating I need to send a police report claiming identity theft, a government ID & proof of residency. I do not want to send personal information to this company, I never filed identity theft because they never sent any validation of my social security number or birthday being used, there's hundreds of XXXX XXXX and they have the wrong one. I do not owe any monies to IQ DATA or XXXX XXXX XXXX. and I would like for IQ DATA to remove this inaccurate account from their records as well as my credit report.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Credit Reporting Agency ( XXXX, XXXX XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT ERC -ENHANCED Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT PLEASE HAVE THIS INACCORATE INFORMATION REMOVED AT ONCE. 
XXXX CHILD SUPPORT COLLECTION AGENCY, ACCOUNT # XXXX IS ON MY CREDIT 2X WITH A XXXX AND A XXXX THIS IS NOT MINE, XXXX CHILD SUPPORT COLLECTION AGENCY ACCOUNT # XXXX IS ON MY CREDIT REPORT 2XFOR THE SUM XXXX THIS IS ALSO NOT MINE BOTH ACCOUNTS WERE OPEN ON THE SAME DAY, PLEASE HAVE THE inaccurate INFO REMOVED FROM MY CREDIT FILE.As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX ASSN : XXXX As proof of my identity, I have included copies of my, Social Security card, drivers license, I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Information is missing that should be on the report

I am a victim of identity theft. Several years ago my office was broken into and my identity documents were stolen, resulting in identity theft. I filed a police report and have attached the report to this complaint.

I ordered a copy of my credit report with Factor Trust and found a lot of things that are due to the identity theft that need to be removed. I am disputing all the information below : Addresses : XX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX   {$5700.00} XX/XX/XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX  {$2200.00} XX/XX/XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX   XXXX  {$3500.00} XX/XX/XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$4800.00} XXXX  I have never done business with any of the companies listed below. Any reporting that I have is due to identity theft.

Loan by XXXX XXXXXXXX XXXX   into XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  TX XXXX I have disputed all of the information that was incorrect in my XXXX  report and XXXX has removed it. My XXXX  profile needs to be updated in your system as it is all wrong.
Complaint sub-issue: Account information incorrect

the 3 credit reporting agencies are reporting inaccurate information by recording my " transactions '' and or " experiences '' according to title 15 usc 1681b and 1681 ( 2 ) ( A ) ( i ) and 15 usc 6802 I have a right to opt out. where is the disclosure on this information? because this information is reporting inaccurate I want these late payments removed immediately. thank you
Complaint sub-issue: Problem with personal statement of dispute

I received my reinvestigation back from XXXX. They said everything is accurate and complete. I would like to receive the description according to 15 USC 168i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 

Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 168i ( 5 ) ( A ) ( i ). 

I attached my consumer report as evidence.
Complaint sub-issue: Account status incorrect

XXXX  not reporting account sold and never reported in remarks.Inaccurate information.