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

I contacted Equifax on XX/XX/2019, via phone and spoke with their representative XXXX @ XXXX.  According to FCRA 611, I have a right to request the method of verififcation used in writing by Equifax, to determine the accuracy and completeness of public information.  Ali verbalized to me that the information was verified by the Bamkruptcy Court, but my written request was ignored more than 3 times.  I sent a certified letter again asking for method of verification in writing, the letter was received by Equifax on XXXX.  I received an email response dated XX/XX/2019 stating "The disputed item is not currently reporting on the Equifax credit file: Public Record: Bankrupty XXXX."  I contacted Equifax via phone to clarifiy what does that mean, I don't get a straight answer!My complaint is this, whether they contacted the Bankruptcy Court (I have a letter from the court denying their claim) or a 3rd party affliate (does not contain consumer identifiers, so it is not an reliable source) it is a violation of my rights as a consumer and the information should be deleted from my credit report.
Complaint sub-issue: Account information incorrect

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022, with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Complaint sub-issue: Problem with statement of dispute

I disputed an inquiry for XXXX. I do not have any recollection of requesting any credit from XXXX for over two years so disputed it. The original inquiry was dated XXXX/XXXX/2015. On XXXX XXXX, 2015 I received a response to my inquiry. It noted " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. Historical account information was deleted from this account. If you had additional questions about this item please contact : XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, MO XXXX. I did contact XXXX at the above noted address, and my letter was returned as " Not Deliverable '' from the XXXX. It seems quite clear that this is fraudulent otherwise, why would I be directed to a company and address that does not exist. I would kindly request a full investigation of Equifax , it would seem that did not verify this account. I tried to re-dispute this online, but it notes " closed '' and will not let me to do, and when I call the phone number provided by Equifax , it wo n't give me the option to speak to anyone and the phone options are not relevant. I have attached a copy of the letter sent by Equifax directing me to contact XXXX, and the envelope returned by the XXXX XXXX showing no such address exists. I would like Equifax to remove the inquiry permanently from my record. Thank you for your time.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax XXXX of XXXXi I REQUEST that you Equifax Validate { not verify } this account XXXX of XXXX acct number you supplied on credit reportXXXX  on report XXXX Disc please enclose the following of you verification { 1 } who you spoke to { aLL associates you spoke what was said by both parties their contact information, any co workers you talked what was said by both parties their contact information { Phone numbers } address of original owner their contact information you Eqifax claim verified I need the information meaning of verified make sure or demonstrate that { something is true or justified LAW swear to or support { a statement by affidavit } Validation the action of checking or proving the validity or accuracy of something '' CFPB I have the right to this information you can not report PAST DUE on a closed account that is a violation CFPB this is me writing this
Complaint sub-issue: Debt is not yours

Certified debt validation letter mailed to AR Resources Inc. on XX/XX/2020 for a debt in the amount of {$90.00}. I have not received a response to validate this debt.
Complaint sub-issue: Not given enough info to verify debt

I have requested verification and validation of this debt and this company refuses to provide. I also disputed on my creditreport and this company never could answer my dispute. Now they have put this back on my creditreport under a different amount i do not owe.
Complaint sub-issue: Reporting company used your report improperly

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX account numberXXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after. 

All accounts in dispute listed below.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Application denied

I applied for credit card at Macy 's to purchase a sofa and it was denied. My credit score is very high with an rating XXXX with XXXX, XXXX with XXXX and XXXX with XXXX. I make XXXX figure salary and have low debts. Macy 's has denied my credit 3 times, 2 on XX/XX/XXXX and another one a few years ago. A few years ago my credit rating was not a strong so I thought that was the issue but obviously it is not that. I feel discriminated and insulted by Macy 's denial. I will not longer shop there but I do need to clear my name with Macy 's because I was very embarrassing yesterday. I had a credit card with Macy 's years ago and I have a copy when account was closed satisfactory if you like me to send you this, please let me know. I am a senior, XXXX woman asking for help.
Complaint sub-issue: Account status incorrect

Got no response, this Agency have continued to report unverified, and unvalidated information on my report
Complaint sub-issue: Was not notified of investigation status or results

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Complaint sub-issue: Inadequate help over the phone

After Disputing my credit with Equfax by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because Equifax is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by XXXX and XXXX. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States XXXX have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Complaint sub-issue: Information belongs to someone else

A fraudulent XXXX credit card had been opened XX/XX/XXXX in my former surname XXXX ( not used since XX/XX/XXXX ) and former XXXX address ( XXXX ) haven't lived since XX/XX/XXXX. I immediately cited it as a fraud and put it in dispute. The individual who opened the acct didn't activate the original card sent to XXXX address for over a year. Then in XX/XX/XXXX the  perpetrator requested a new card be sent to an XXXX XXXX address in XXXX, NY and racked up over $ XXXX in purchases in a few weeks. 
Although the identity theft, fraudulent credit card account has been expunged from my reports, the XXXX XXXX, XXXX address that enabled the fraud, ( which was never mine, nor anywhere I'd ever been in my life ) has remained on Equifax 's site, showing as my 'current address '. The Equifax site is so badly designed, that it immediately regurgitates incorrect entries. I not only attempted to dispute and have the address removed online, but called as well when that outcome showed my true, current address as fraudulent! The agent was unable to correct this circumstance, saying my account that she was seeing showed the fraudulent address in dispute and my true address not. 
Well, I checked today and it is showing my current address as the correct one, but the fraudulent address is now being shown as an old address ; which it is not!!!! I have never had or been to that address. It is not to be listed as associated with me. This entire fiasco resulted from the Equifax breach in XX/XX/XXXX and Equifax didn't have the decency to assist me in any way or even mention that the breach on their site was the reason. These reporting agencies are incompetent and don't even bother to alert creditors to old names and addresses not currently in use that still attach to individual profiles, allowing criminal activity that they are meant to be averting.
Complaint sub-issue: Reporting company used your report improperly

For security reasons my credit report should not include my full account number. These companies has violated my privacy rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Problem getting my free annual report

I was attempting to access my free credit report via XXXX.com and requested it from XXXX XXXX, XXXX, and Equifax. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions where about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking XXXX XXXX, XXXX, and Equifax to send me my credit report, preferably online, immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX - I've sent numerous letters describing how they're violating my consumer rights ... 1. INVALID DATE OF LAST ACTIVITY XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX EQUIFAX XX/XX/XXXX 2. PAYMENT HISTORY I was NEVER LATE and How can I be 30 days late on XXXX, 60 days late on Equifax & nothing reported at all on XXXX  at the same time? This is a clear violation OF THE FCRA! I've asked them to Remove or update my report to Paid as Agreed!!! 

DEPTEDXXXX - account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 2. PAYMENT STATUS How can I be late 120 days on XXXX and Current of XXXX? The information is coming from the same furnisher. 
3. PAYMENT HISTORY How can I be 120 and 150 days late at the same time? How can I be 120 days and 180 days late at the same time? This is inaccurate reporting and a violation of my rights as a consumer! PLEASE REMOVE THIS ACCOUNT!!! 

U S DEPT OF ED/XXXX - This account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX 2.  INVALID DATE OF LAST PAYMENT XXXX SHOWS XX/XX/XXXX EQUIFAX SHOWS XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT!!!
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX, am a natural person, original creditor and federally protected consumer. EQUIFAX is reporting fraudulent, unvalidated, and misleading information on my credit report. I began disputing the fraudulent and misleading activity on XX/XX/2021. I requested validation of the accounts in question. EQUIFAX has not validated any of the disputed inaccurate information and is in violation of 15 U.S. Code 1692g ( a ) ( 1-5 )., EQUIFAX mislead me into believing that disputed items were accurate but failed to provide proper proof of accuracy pursuant to 15 U.S. Code 1681a ( e ). Furthermore I have a right to privacy as a federally protected consumer, and EQUIFAX is willfully furnishing information without my direct written consent. Under 15 U.S. Code 1681b it states that a consumer reporting agency may furnish a consumer report under the following circumstances ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX is in direct violation of 15 USC 1681b ( 2 ) because I have not provided them with any written permission to report anything to my consumer report. I have sent EQUIFAX validation letters, cease and desist, and an notarized affidavit of truth that has went un-rebutted by EQUIFAX therefore it stands as truth and yet they have still refused to cooperate. EQUIFAX has caused me much mental abuse, mental anguish, and mental harm as a result of their fraudulent and criminal practices. I have tried multiple times to resolve this issue directly with EQUIFAX but they refuse to lawfully cooperate and insist on violating my rights as a natural person, original creditor and federally protected consumer. EQUIFAXS actions against me are not only misleading and harmful to me but also criminal and fraudulent and they should be held liable for their criminal activity.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with NELNET LOAN SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NELNET LOAN SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019
Complaint sub-issue: Didn't receive advertised or promotional terms

I asked to downgrade by Citi Prestige Card to a card with no annual fee. Citi did that and downgraded my card to a Citi Double Cash Back card. At the time I downgraded the card, Citi told me that I would have 60 days to use my Thank You Rewards Points. However, immediately, my points were eliminated. I called Citi and they said I can still use my points, but must book flights over the phone to do so. I was told to call XXXX ( both in writing and over the phone ), but that number simply gives you advertisements. I told Citi this when I called the number on the back of my card and they said to press " 0 '' when I called that number. I did, and it hung up on me. I finally called the number on my card and was transferred to a points redemption specialist. But that specialist said to book a flight over the phone, they said they would charge me a {$23.00} telephone booking fee. Even though I can not book the flight online. None of this was disclosed to me when I  downgraded my card. To the contrary, they simply said I would have 60 days to redeem my points.
Complaint sub-issue: Personal information incorrect

The address listed do not belong to me, I have never lived at any of these address that are posted on my credit report. 
Please see the attached photocopy of my drivers license for your reference. 

For the record : 1. My name is : XXXX XXXX 2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have viewed my credit report and noticed inquiries that I did not do. I have written to each bureau numerous times and they have not removed these unauthorized inquiries.
Complaint sub-issue: Debt was result of identity theft

I sent a police report to Citibank over unauthorized use. This is still showing up on my credit report after years, and they have sent it to collections. I sent them proof of all of the charges that were not mine before they ever sent it to collections.
Complaint sub-issue: Investigation took too long

On XXXX XXXX, 2016, after receiving results from disputes on several accounts : XXXX XXXX XXXX, XXXX XXXX XXXX I requested the method of verification under FCRA 611. I also notified Equifax of the failure to timely investigate several accounts listed as US Bankruptcy Court XXXX Ga Case Id : # XXXX ; # XXXX ; # XXXX within 30 days. I specifically described the letter as a " followup to disputed accounts. '' ( See Attached ) I received a notification by email that this letter initiated a new reinvestigation of all said accounts. ( See Attached ) Not only did the company ( Equifax ) neglect the request it misapplied different issues. For example, method verification request does not lead to a new reinvestigation of the same results. Secondly, when you failed to reinvestigate an original dispute in the time allowed unlawfully adding time to do so is not acceptable. Accordingly, the appropriate response to each issue must be addressed. Lastly, the opportunity to make corrections when proof no investigation took place will be counterproductive. Make the changes.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX  XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$960.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.