Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax credit bureau in regards to a repossession account with XXXX XXXX XXXX XXXX XXXX. 

I cited - XXXX. EFFECT OF ERRORS OR OMISSIONS. 

I have older credit reports that I can provide to prove that this account has been reporting incorrectly. I have submitted them to Equifax on more than one occasion. Which lead to Equifax updating the tradelines but now with changing the original date of deficiency, causing this tradeline to remain on my credit reports for longer than it should. 

It is the responsibility of Equifax to report factual, and actual instances on my credit reports. Therefore they are in violation of my rights. 

I have attached two files from 2019. It will show what was on my credit reports and what Equifax updated it to.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX Account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize anyone employed by FACTUAL DATA OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Complaint sub-issue: Investigation took more than 30 days

This letter is formal notice that you have failed to respond to my dispute letter of XXXX XX/XX/2021 within 30 days. I have enclosed a copy of the return receipt which you signed in my XXXX  complaint. I am maintaining detailed records of all my correspondence with you. 

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure you will want to handle this matter as soon as possible. As such, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof of the mistake placed on my records. 

As a reminder, I am disputing the XXXX XXXX account collection status due to the litigation being thrown out in court. 

Please remove this error from my credit report as soon as possible. 

Sincerely,
Complaint sub-issue: Their investigation did not fix an error on your report

I am trying to get my correct Date of Birth ( DOB ) updated on my Equifax Credit Report. 
The erroneous Date of Birth ( DOB ) currently being reported isXX/XX/XXXX but my correct DOB should be XX/XX/XXXX. I used the MYEQUIFAX website twice to dispute my DOB. I attached my Mississippi State Drivers license ( See attached XXXX XXXX ID ) ; but the dispute still come back asking for my Drivers License or Birth Certificate ( See attached DISPUTE RESULTS ). Apparently my Drivers License is being over looked by the Equifax dispute investigators.
Complaint sub-issue: Problem during payment process

I am still being affected by covid 19 and I need another payment waiver request.
Complaint sub-issue: Information belongs to someone else

Today i woke up to an account being on my XXXX report from discover. The card had already been removed from my report back in XXXX after i filed a police report, and waited for it to go away. I pay for the subscription to XXXX  directly so i get alerts at all times. This was just on my report with history that was also not mine and ruined a funding opportunity for my business. XXXX says that as long as discover doesnt accept that my identity was stolen, then the charges stand. How is discover able to dictate it MY identity was stolen. Im so tired of the narrative being changed when it comes to XXXX XXXX  and their credit. So often, others can take illegal advantage of opppetunities. When Im trying to do any and everything correctly, this pops up and they allege they can do nothing to help me. This is crippling my business, and all i can be told is to wait 30 days, after Ive already done so. I need help! This is unfair, and needs to be looked into. I havent had a discover card since 1999
Complaint sub-issue: Information belongs to someone else

BB & T letter with provided dated XX/XX/XXXX account number ( see subject ) could not find any account with my information. They asked for information, I provided the account number they associated with the bogus account and they wanted an account number. There is no account. I have purchased 2 homes since and this is a non issue when I show letter. Stop reporting this false credit report.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I mailed a letter to Equifax .Consumer Financial Protection Bureau. , I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 
Furthermore, you the CFPB took another enforcement action against Equifax in XXXX for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. 
Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. 
Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XX/XX/2016 ( {$1600.00} ) XXXX XXXX XXXX ( {$2400.00} ) ( XXXX ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX ( {$520.00} ) XXXX XXXX XXXX XXXX ( {$240.00} ) ( XXXX ) XXXX XXXX XXXX  ( {$17000.00} ) XXXX XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Personal information incorrect

I have submitted XXXX letters to the credit bureaus XXXX XXXX, equifax, and XXXX ) on inaccurate names, addresses, phone number, and job that they are reporting. I have provided them with proper identification the included ; licenses, social security card, and current utility bill as they requested and yet the inaccuracies are still there. They coming back to me with a letter stating verified ; but yet has not showed me how and who verified that all addresses on my credit report are correct. I mailed out letters on XX/XX/2022 and XX/XX/2022 and the credit bureaus keep coming back verified within 5-7 days in which I believe is stall tactic because they haven't state how it was verified so fast. I need these inaccuracies deleted ASAP.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX services appears to be aging my " debt '' by making payments or claiming that my wife and I are making payments on the account in which we do not have business with them.
Complaint sub-issue: Reinserted previously deleted info

I checked my credit on XX/XX/2017 and I had only XXXX accounts listed on my credit report. All the other information and history was gone. I called and asked what happened and the rep could n't answer why this happened. He finally did some digging and said the report has been split and was missing information. Well long story short my information was pieced back together and put back on the report. The negative items had been deleted were gone and now back on. Along with the inquiries that had been previously deleted. I want to know why this information was removed then put back on. My score went from XXXX to XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax 's website that advises if I 've been a victim in their recent hack shows that my information is at risk. Equifax has mishandled my private information, so now I need to go through steps to protect my information from further misuse. This is costing me money and hardship.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

The statements made by Equifax is not proven that these accounts are mines. Checking with the creditors but not providing documents is not proof. As requested numerous times I need copies of debt validation for XXXX XXXX XXXX XXXX XXXXXXXX XXXX and also XXXX and XXXX  documentation that the debt was not settled as pay to delete. All the info listed as an explanation under Equifax completed investigation can not be submitted on my credit report without the companies shows this debt owed. Verified how where is the documentation that has been requested. Remove all of these accounts from my report if you can not provide written debt validation and payment history
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX/XXXX  XXXX/XXXX
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/XXXX 3 checks cleared my account through US bank and 3 fees due to the merchant for the checks prior bounce. Leaving a positive funds of XXXX. Later on XX/XX/XXXX two electronic payments posted. One for XXXX would of cleared the other for XXXX did not. Of course the bank posted the larger amount causing more overdraft fees because they prey on low income individuals charging enormous fees. When speaking with US bank representatives XXXX and then the manager XXXX  they both said that checks will post to the account first then any Electronic funds. I was charged for 4 overdrafts fees - one for the check fees and the other 3 over draft fees for the electronic fees. I agree there is validity for 2 fees. There is a reverse of one over draft fee on XX/XX/XXXX for a XXXX charge on XXXX which XXXX said there was not a overdraft until I pointed it out ( I dont she was trying to find it ) .the XXXX service was cancelled. Good job there. But if I didnt point it out US bank would of gained another inappropriate overdraft fee. The manager XXXX was rude and short with me on the phone she spoke down to me sounding hostile and I attempted to point out that I had money in the account but I was treated without respect. 

On a different note Now they offer a simple loans ( Or in other words pay day loans ). I applied for but apparently I am over extended and did not qualify for one.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX is reporting and account on my credit file that is actually past the statue of limitations. I have disputed it with the bureaus and XXXX has said the information they are reporting is accurate. That is not accurate. There has been no payments or activity on that account for over 7 years. They sent a correspondence showing the last four of the  account number as XXXX
Complaint sub-issue: Transaction was not authorized

I had my debit card stolen an my account obviously hacked on or around XXXX XXXX.i would like all transactions refunded for unauthorized activities an payments : XX/XX/XXXX {$45.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$79.00} XXXX XXXX XX/XX/XXXX missing payment of {$350.00} from XXXX XXXX XX/XX/XXXX {$93.00} XXXX XXXX XXXX XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$65.00} XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$43.00} XXXX XXXX XX/XX/XXXX {$19.00} XXXX XXXX XXXX login notification on XXXX XXXX XXXX {$26.00} XXXX  XXXX XX/XX/XXXX {$21.00} XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$66.00} XXXX XXXX XXXX XXXX All of these are unarthorized transactions on my checking account from a stolen identity an stolen debit card actions.
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX I submitted a detailed dispute towards my personal information be stolen through a security breach, there are accounts on my credit that I never authorized and they are fraudulent. the credit reporting agency never contacted me in regards to any updates despite the fact of receiving certified mail.
Complaint sub-issue: Fraudulent loan

Notice to agent is notice to principal, this should serve as a written notice to Drivetime that I wish to pursue arbitration according to the contract for many disputes/ complaints I have with the unconscionable contract, false advertising about the price of the car, violations of the TILA, and miss applied down payment. Last 4 of ss XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax and filed a dispute that I did not apply for a loan with XXXX XXXX XXXX or XXXX XXXX  and they apparently did not do a full investigation because they came back and stated it was found to be accurate. I have spoken to both these companies back when this started showing up and both said they could not provide me with any documentation as to where I had inquired about opening an account. Equifax has refused to remove these two inquiries from my report.
Complaint sub-issue: Received unwanted marketing or advertising

Notice to Intent to The Bureaus Inc, You stated in the previous complaint and also attached that my account was sold to you. However, my non-public personal information was sold to you unethically. During this transaction, I was an uninformed consumer. You have defamed my character and the reporting of this account is affecting my livelihood and reputation. In addition, you stated the debt is valid however, my name is not XXXX XXXX as stated on the letter you sent to me that is attached as well. Under the FDCPA and FCRA, the Entire account must ME VALID, ACCURATE, AND FAIR. AGAIN MY NAME IS NOT ( XXXX XXXX ), MY NAME IS XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$15000.00}, {$0.00}, {$0.00}, {$1900.00}, {$5200.00}, {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 



-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.