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

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureuas once more, to remove the remaining accounts completely from my Credit file. This CFPB complaint will be my 3rd attempt to inform the Credit Reporting Agencies that I was a victim of identity theft and I am submitting this Complaint to dispute certain accounts in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Here is the list of accounts that should aloe be removed completely from my Credit report : XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00}. I am grateful for the Credit Bureaus actions to remove some of the disputed accounts from my Credit File. However, I am in need of their help to remove the remaining accounts from my Credit report once and for all. I am submitting this CFPB complaint pursuant of the Fair Credit Reporting Act section 605b.
Complaint sub-issue: Their investigation did not fix an error on your report

State  of   XXXX   XXXX   XXXX   XXXX   file d a tax lien for approximately {$5700.00} against me in  XXXX   XXXX . I submitted documents to    XXXX   XXXX   XXXX   to establish that I was not a c itizen for tax year  XXXX  and as such did not owe any income tax. In  XXXX ,  XXXX , the  Office of Taxpayer Advocacy fo r Alabama intervened on my behalf to have determination that I owed tax rescinded. Thereafter,    XXXX   XXXX   XXXX   XXXX    submitted paperwork to  XXXX  Alabama court to have lien " released ''.     However, the mere act of lien being filed was detrimental to my credit score. A subsequent status of " released '' will linger on my credit report for  seven yea rs. To remedy this problem, I submitted Taxpayer advocacy documentation evidencing this error made  by   XXXX   XXXX   XXXX   t o Equifax,   XXXX   and   XXXX  .   XXXX   and   XXXX   promptly removed any mention of tax lien from my credit reports ( Please see attached  XXXX  investigation report ). As a consequence, my credit scores increased substantially.     Unfortunately, Equifax has chosen not to remove this tax lien from my credit report. I provided Equifax with letter I receiv ed from Taxpayer Advocacy along wit h business card of revenue agent who can verify particulars of case. It appears from the generic form letter I received from Equifax that no substantive effort was made to investigate this matter.     I am requesting CFPB 's assistance to have this erroneous tax lien removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

Data breach on XXXX XXXX 2017.
Their website indicates that I may have been impacted. 

Any negative effects on my credit report due to this must be resolved.
Complaint sub-issue: Account status incorrect

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX - XXXX
Complaint sub-issue: Information is not mine

I am a victim of identity theft and have unauthorized and fraudulent inquiries listed on my Equifax credit report. The following inquiries are unauthorized and fraudulent : XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX
Complaint sub-issue: Deposits and withdrawals

I was charged for Transactions that were denied online by the merchant the bank overdraft my account and now it's negative XXXX when I was told there was overdraft protection
Complaint sub-issue: Information belongs to someone else

I have a collection account that does not belong to me and several inquires showing on my credit file that i did not authorize.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$4000.00} ) XXXX XXXX XXXX  ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, XXXX XXXX {$76.00} ), XXXXXXXX XXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$0.00} ) .Its been over XXXX XXXX  and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or h
as reasonable cause to believe that the information is inaccurate.

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: Difficulty submitting a dispute or getting information about a dispute over the phone

multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a chXXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

innovis XXXX XXXX XXXX XXXX XXXX all guilty and have lied to me on paper about what they have done.
Complaint sub-issue: Account information incorrect

I have tried numerous times to have incorrect late or payment off this report. I have already proven my innocence to XXXX and XXXX, also to a collection agency and made numerous attempts to clarify with equifax. I was also part and victimized by Equifax negligence in their infamous breach and I was affected negatively. I have been accepted into the class action lawsuit. If XXXX and XXXX have both accepted and acknowledged this incorrect info and removed it, then why does equifax refuse to abide by the law that they must also if the others saw this mistake? I have already made a complaint about equifax and they still refuse to correct this info. My legal rights are being denied. This is negatively affecting me, my life, and my credit reporting. I would like them to correct this once and for all and to please abide by the laws and correct this wrong and defaming information they are providing to others about my credit.
Complaint sub-issue: Information belongs to someone else

There are several accounts listed on my credit report that aren't mine. Please have them removed. Thank you.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX. 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 : US DEPARTMENT OF EDU US DEPT ED 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 : US DEPARTMENT OF EDU US DEPT ED XXXX 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 : US DEPARTMENT OF EDU US DEPT ED XXXX
Complaint sub-issue: Account status incorrect

I do not have an account with XXXX XXXX I never opened an account with them and really unsure why they are reporting on my credit a Open account.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has repeatedly claimed that they have VERIFIED, that XXXX 's claim in collection as reported on my record, is mine. It is not. Then, they repeatedly claim that it is CERTIFIED correct by XXXX. 
Well, I, CERTIFY that they ( Equifax ) are not investigating the matter. They would have found that until the collection was placed on my record XX/XX/2017, I had never been notified of the claim. That date also falls 2 years and one month after the five charges, to one account, were made.

Furthermore, Equifax, is the only CRA showing five charges from the same original Hospital stay as individual accounts.

Equifax continues to report false and misleading information.
Complaint sub-issue: Old information reappears or never goes away

Im trying desperately to fix my credit score. Im a XXXX  veteran trying to finally buy a house of my own. 
When I was XXXX I took out some loans to go to school but made a mess of it. I got into debt, had no job and came from a low income family. 
So, back in 1997, these things were sent to a collection agency and reported on my credit report. 23 years later, they are still being reported. Whatever companies have my debt, they are illegally finding ways to continue to report these things all these years later. 
When I called the credit reporting companies, equifax and XXXX XXXX, the reps merely took the word of the collection agencies, didnt even look into my initial date of delinquency, and told me that the accounts were reported more recently. The reps clearly didnt understand the difference between when the account first opened and when it is reported. I understand that the ONLY thing that matters to credit age is the first delinquency and apparently the companies simply disregard that and are in step with the collectors. 
I am currently disputing these reports but have little faith in the representatives that I spoke to in the phone.
Complaint sub-issue: Information belongs to someone else

I did not apply for any mortgage online. I have disputed this with XXXX XXXX and XXXXXXXX XXXX twice and they are not working with me. I have also disputed this with XXXX credit reporting agency and they have refused to take it off of my credit report.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute to all three credit bureaus more than 30days ago and I haven't received any response. It is my understanding that according to the FCRA inaccurate or unverifiable information must be removed from the credit report. Well its ben more than 30 days and I want this issue to be resolved, this process has caused me to be sick, stressed out and I can't take it any longer. I need you guys to abide by the law just as you expect me to abide by the law.
Complaint sub-issue: Problem during payment process

Please see the original complaint I filed along with additional documentation. You closed the complaint but it is NOT resolved and only getting worse. I ask that the CFPB please intercede to help correct the issues on my credit card account. 

Original CFPB Case XXXX
Complaint sub-issue: Account status incorrect

Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.
Complaint sub-issue: Information belongs to someone else

XXXX account on my credit report needs to be removed as I am no longer on the account, as an authorized user, and it is affecting my credit score. The account needs to be removed from XXXX  and Equifax. I have enclosed the letter from XXXX XXXX. 

Thank you in advance for your assistance.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Complaint sub-issue: Personal information incorrect

A overseas call center for a creditor in approximately 2011 input my name incorrectly as XXXX XXXX. That name now shows as an alias on my credit file. I have disputed this with Equifax who stated that according to the creditor the information is correct even though I stated in writing XXXX XXXX IS NOT my name, was added by an overseas call center employee who could n't understand my American accent, and I HAVE NEVER used that name! Equifax REFUSES to correct the error!!!!
Complaint sub-issue: Contacted you after you asked them to stop

Im on XXXX and have been since I signed up for the loan which i told them about which i am not supposed to pay back if XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 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/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, XXXX was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to XXXX over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement XXXX was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. XXXX continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX XXXX XXXX, and continued to default 13 times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and XXXX XXXX blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn
Complaint sub-issue: Debt is not yours

I received a notice in the mail a few days ago, from a company ( Collection Agency name Jefferson Capital Systems LLC. Located at XXXX XXXX XXXX, XXXX XXXX, MN XXXX. ) ( XXXX or XXXX ). 
They claim I owe XXXX an amount of ( {$27.00} ). They wanted me to confirm my personal information, ( ie name, addresses, and the last 4 of my # SS ) which I did. The young man I spoke with his name is ( XXXX  direct number XXXX ). I disputed their claim, and advise that I will contact XXXX directly to inquire. Upon contacting XXXX, ( XXXX XXXX ) they confirm that I owe them nothing and that this company or person is fishing to gather personal information. They advise to discontinue and disregard any and all communication with this ( Agency ). They recommend reaching out to you. 

Thanks, XXXX XXXX XXXX email : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


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

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

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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 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