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

On XX/XX/2021 I mailed in a dispute certified mail to Equifax that was received on XX/XX/2021 at XXXXXXXX XXXX confirmed by certified mail tracking number ( XXXX XXXX XXXX XXXX XXXX ). 
In this dispute Equifax was put on notice that items that were being furnished were the result of IDENTITY THEFT see FTC Report # XXXX I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file Pursuant to 15 U.S. Code 1681c2 ( a ) : US DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX As of XX/XX/2021 Equifax has not complied with 15 U.S. Code 1681c2 ( a ) which puts them in VIOLATION of this Law.

Block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I have a business credit card that was closed by XXXX after the business ( XXXX XXXX XXXX XXXX XXXX XXXX ) went out of business. The business ' debt ( roughly {$12000.00} ) is sitting on my personal credit report and is hurting my credit so badly that my once perfect credit is now in the red. I will not be able to purchase a car or a house because this has affected my credit so poorly. I reached out to XXXX and Equifax to notify them that this credit card was a business credit card that was never a personal card. XXXX wiped the card from my personal credit score in a matter of days, however, Equifax did not. Equifax told me that they would not do anything and that I should reach out to The Consumer Financial Protection Bureau and the State Attorney General Office. I have a letter from XXXX who opened the business credit card stating that it is in fact a business credit card and that they do not have a signed application from me. I would like this business transaction wiped off of my personal credit. Thank you in advance for your help.
Complaint sub-issue: Problem with statement of dispute

The XXXX XXXX XXXX account XXXX has been paid in full and it is still being reported as not being paid.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX I reached out to all 3 credit bureaus asking them to validate accounts on my credit report that were inaccurate. 

XXXX I sent a letter to Equifax asking for an account to be removed that is not mine and received no response. 

XXXX I asked all 3 bureaus ( Equifax , XXXX  , and XXXX  ) to remove accounts that are inaccurately reporting on my credit report, and received no response. 

I need this investigated as soon as possible. I am reaching out to the bureaus with no response and no action being taken on my credit report.
Complaint sub-issue: Account information incorrect

I sent letters to all 3 national credit bureaus requesting that they provide me with my original signature and contract according to the section 609 rule. I also sent in an identity theft affidavit to show the case number of the police report. I received a letter back stating that all of my information has been verified, but they would never tell me how they verified the information. According to the FCRA AND THE FDCPA all information that is being furnished by the agencies must BE ACCURATE. I have found that information is very inaccurate on all of my accounts that were in dispute. How can a person open an account on two separate days? This information is being reported inaccurately and I would like for the bureaus to delete these accounts immediately and i will send the proof of the inaccurate information. They never sent me proof of the original instrument of indebtedness. According the section 623 rule, if items are being reported negatively on the report inaccurately, then the items must be removed immediately. They are unverified according to metro 2, they are not meeting the FCRA standards.
Complaint sub-issue: Company closed your account

Hello, I just received an email that XXXX is closing all of my account and all of the accounts that also belong to my 5 children. I am on an account with my sister who has a problem with XXXX but she is closing her account and that has nothing to do with me or my 5 kids accounts. My husband and I have had this account for over 20 years and my husband, my kids, and myself should not be punished for something that had nothing to do with us. I was on an account with my sister because she has XXXX XXXX XXXX and I TRY to help her. I don't care about the bank closing her account but my family should not suffer because of her. Especially my children! I have never even heard of something like this! My family has 10 accounts and has never had issues. This is absurd we are being punished for my sisters actions. Her actions did not even happen with the account that I share with her.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, I became aware of a security breach at the credit reporting company Equifax ; I utilized their website to find out if I was among the affected victims and I was informed by Equifax that my personal information was stolen in the security breach. This breach of Equifax 's security has opened me to possible future identity theft. I have had to take measures to protect myself against any possible identity theft stemming from this security breach. I have also since learned that this breach was discovered by the company Equifax on XXXX XXXX, 2017, which means my personal information has been compromised for 10 days without my knowledge.
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. 

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 XXXXXXXX, 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 XXXX 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: Information belongs to someone else

Right now I am bothered! This is my Final and Last attempt to file a complain in the 3 BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the 3 BUREUAS the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. The following items are listed below : 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 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
Complaint sub-issue: Deposits and withdrawals

At XXXX XXXX today someone from PNC called and said they were responding to my complaint. However they are sticking with their fake story. They refuse acknowledge their mistake. The only solution for me and all others who have been wronged by PNC. is to nvestivate them. And thats is the only way that they will correct their bad behavior and ripping of their customers. There is over 1400 complaints against them on XXXX XXXX Their practices are illegal and fraudulent and someone needs to check their transactions and bring charges against PNC. They need to appear in Congress before a banking committee. 
They will not change their behavior or acknowledge their errors unless actions are taken against them. I put in a complaint against them on the XX/XX/XXXX on your site.
Complaint sub-issue: Investigation took more than 30 days

Company was contacted in XXXX of 2017 about validation of account. After 30 days letter came in the mail without validation that was requested stating that they were disputing my claim but still has not validated. Company refuses to remove their reporting to all 3 credit bureaus also, even though they were unable to validate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with FCRA, facially false data being included on consumer reports in violation of section 607 ( b ). Bryant v. TRW, Inc Section 607 ( b ) of the FCRA provides that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. his company continues to make bad faith and erroneous reporting LATE PAYMENT HISTORY ON THE FOLLOWING ACCOUNTS XXXX XXXX XXXX WAS NEVER LATE XXXX XXXX XXXX ACCT- ACCOUNT WAS NEVER LATE XXXX XXXXXXXX - ACCOUNT WAS NEVER LATE
Complaint sub-issue: Threatened or suggested your credit would be damaged

I call them XX/XX/2021 and they giving me a hard time. I requested a dispute and one of the supervisor ( XXXX XXXX ) giving me a false information and changing a subject. 
I tried to talk to his/her supervisor and didn't cooperate with me and hangs up the phone.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

LEXIS-NEXUS IS UNLAWFULLY FURNISHING PUBLIC RECORD NO. XXXX ON MY PERSONAL CREDIT FILE WITH THEIR COMPANY IN ERROR AND I HAVE DISPUTED SINCE XX/XX/2017. SEE ATTACHED. 

I WAS A VICTIM OF IDENTITY THEFT AND HAD SUPPLIED THEM WITH THE FULL POLICE REPORT AND THE LETTER THAT WAS RECEIVED DIRECTLY FROM THE BANKRUPTCY COURT SHOWING THAT THIS WAS NOT MY BANKRUPTCY. THEY REFUSED TO DELETE THE BK, AND ARE NOW IN VIOLATION OF SEVERAL FEDERAL LAWS.
Complaint sub-issue: Was not notified of investigation status or results

Equifax failed to complete a reasonable re-investigation of my dispute before the end of the 30-day period beginning on XX/XX/XXXX, the date my dispute was filed with Equifax.

Equifax failed to comply with 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) before the expiration of the 5-business-day period beginning XX/XX/XXXX, when they did not provide prompt notification of my dispute to XXXX XXXX XXXX XXXX, the furnisher of the disputed information. As a consequence of Equifax 's compliance failure to notify XXXX XXXX XXXX XXXX of my dispute, the information that I am disputing is still inaccurate, unverified, and can not be verified until Equifax reports my dispute to XXXX XXXX XXXX XXXX. Equifax failed to delete the inaccurate, unverified, and disputed information from the credit file before the end of the 30-day period beginning on XX/XX/XXXX, in accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Equifax 's failure to delete the disputed information from the credit file is in willful and negligent noncompliance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Equifax 's re-investigation of my dispute was unreasonable. Equifax persists in reporting inaccurate and unverified information for the XXXX XXXX XXXX XXXX   account. Additionally, Equifax, in willful noncompliance with 15 U.S. Code 1681i ( b ), is reporting an alleged Statement of Dispute for the XXXX XXXX XXXX XXXX account attributed to me. I did not file such Statement of Dispute with Equifax and did not authorize anyone to file such Statement of Dispute on my behalf.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I was alerted of a negative item being furnished on my consumer report by Equifax. I never received any correspondence from Equifax on any investigation before this item was furnished or I did not receive any correspondence of results of Equifaxs investigation on this item from XXXX XXXX XXXX XXXX. Law states that I an entitled to accurate and fair credit reporting which an elaborate system has been set into place to protect my rights to this process, Equifax has assumed this vital role which they have neglected to accurately do which is their grave responsibility. They have not followed the procedures that XXXX has set into place by law to protect me the consumer. The have violated my rights to privacy by furnishing information that they did not investigate and are causing me great harm furnishing inaccurate information without my consent to permissible purpose. Equifax has not provided to me any proof of ANY investigation, I have the right to a fair and accurate consumer report that they have violated me on and have caused me great harm. 

Please update this information to paid never late and respect my rights that XXXX has set into place to protect myself and my rights to fair and accurate credit reporting and PRIVACY as I have no disclosures from anyone on giving out my NONPUBLIC PERSONAL INFORMATION. This needs to Deleted from my consumer report and updated to read never late pays on time. My rights have be violated and Equifax has broke the law.
Complaint sub-issue: Their investigation did not fix an error on your report

This was closed because it was not specific. I will make it specific. XXXX XXXX took over my account in XXXX. It was about 5 yrs old. The 30 year term ended in XX/XX/XXXX XXXX in other words, all payments were made at that time. HOWEVER- even though the contracted payments were all made, they still claim I owe XXXX of what I started with after 30 yrs of payments. In XXXX of XXXX I was selling the property and trying to get a payoff from them. I didn't pay because the payments were all made. Why should I make payments on a mature loan? They reported me late XXXX -- you verify it and it comes back in a day. I want specifics. It is incorrect. Further its a cares act violation. I was involved in a forbearance and it was current so its illegal for them to report it late. All credit reporting and letters are forwarded to XXXX. how can someone in XXXX determine the laws of the US for credit reporting? they just send the same documents and do not do anything -- but you accept them and do nothing to verify and that is why this complaint is coming to you. ACCT XXXX I will be pursuing this- trust me.
Complaint sub-issue: Public record information inaccurate

Bankruptcy has been over 10 years and still showing on credit report. Please remove and update my credit report by removing and updating all three credit reports to show accurate information. 
Thanks. 
Type : Chapter XXXX Bankruptcy Name : U.S. Bankruptcy Court Filed On : XX/XX/2012 Updated On : - Verified On : - Status : Discharged
Complaint sub-issue: Information belongs to someone else

remove late payments, payments never late XXXX Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX, XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Open. {$580.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open. 
XXXX XXXX XXXX SIMPLE Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. {$570.00} past due VCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Resident type Apartment complex
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hunter Warfield was not my oringinal collection agency it was XXXX XXXX   which means XXXX XXXX wrote off my debt in their tax return and the contract was canceled with XXXX XXXX and I shouldnt owe Hunter Warfield anything. I spoke with Hunter Warfield twice to reduce the amount to pay because with the negative payment on my credit I am unable to quailfy for another house. The customer service representative only reduced it by {$50.00} dollars.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 30 days ; therefore, those items should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to the stress and mental anguish caused. Also, my information was impacted by the Equifax data breach and may have found its way into the hands of the wrong person.
Complaint sub-issue: Problem during payment process

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on DISCOVERBANK. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX XXXX - partial account number XXXX. ( Please see page 6 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.
Complaint sub-issue: Received bad information about your loan

My federal consolidation loan is held by FedLoanServicing. I applied for PSLF ( public service loan forgiveness ) in XX/XX/XXXX and submitted all my employment certifications. I submitted all the certifications again in XX/XX/XXXX. I have received multiple letters indicating that I am not yet eligible for forgiveness and that my payment count stands at XXXX. However they did not count two of my employment certification forms from XXXX. If those payments are counted then I have well over the 120 required for forgiveness. I have repeatedly called and emailed with no response. I have filed a complaint with FSA and my complaint was closed. No one can tell me why the two forms from XXXX were not counted, if there was an error or for some reason they believe the employment does not qualify or if there was an issue with the signature or something else. I have not been able to speak to someone on the phone despite multiple attempts. 

I was recently notified that my loans are going to be transferred to XXXX sometime in XX/XX/XXXX. I want this resolved before my loans are transferred because FedLoan Servicing is the one who has all the information about my payments and all the certifications that I've already submitted.
Complaint sub-issue: Account status incorrect

I have an account with Conn 's appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/2018 I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XX/XX/XXXX payment and bring my account current in XX/XX/XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me.
Complaint sub-issue: Information belongs to someone else

equifax XXXX and XXXX won't remove my fraud alert or freeze