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

I am a victim of identity theft.I have an account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, XXXX, and Equifax on XX/XX/2021. The account is from XXXX XXXX  and it is not mine as I have been a victim of identity theft. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent my FTC identity theft report, my police report, my drivers license, my social security card, a letter detailing my identity theft and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account
Complaint sub-issue: Account terms

Equifax was advised on XXXX, this information that this account was in XXXX, and then again advised regarding the matter that this account is unsecured and is not backed by a student loan or government entity of any kind. University XXXX Louisiana XXXX shows a debt for XXXX, this is a unsecured debt and i have provided several times the document showing that the account should state closed and discharged BK as of XXXX The account is no longer a debt.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$440.00}
Complaint sub-issue: Information belongs to someone else

These accounts are inaccurate and do not belong to me, per 15 USC 1681c-2 I demand that they be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried 4 times to get the credit bureaus to remove accounts that are in violation of my rights and I have yet to get 1 reply from any of the 3 Bureaus and the accounts remain on my credit report. The accounts are collections and they either are reporting the account as an " open account '' have listed a past due amount as well as they are reporting me late 120 days. These are all FCRA violations to be doing any of these things on a collection account and they refuse to remove them or even reply to my disputes.
Complaint sub-issue: Account information incorrect

I recently noticed inaccurate date reported to my credit profile with XXXX XXXX XXXX. Ive disputed this account with all 3 creditors. XXXX  noticed the inaccuracies and deleted this account off my credit. I am asking of the CFBP to demand that both bureaus ( XXXX  and Equifax ) do the same and acknowledge these inaccuracies as XXXX  did and delete this account off of my Profile.
Complaint sub-issue: Information belongs to someone else

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCURATE INFORMATION. 

FRAUDULENT ACCOUNTS- XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX FRAUDULENT HARD INQUIRIES : XXXX  XXXX XXXX XXXX, XXXX  XXXX , XXXX  XXXX, FRAUDULENT HARD INQUIRIES : EQUIFAX XXXX XXXX , XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX , FRAUDULENT ACCOUNT-EQUIFAX Collections-Unknown- XXXX XXXX FRAUDULENT HARD INQUIRIES : XXXX  : XXXX, XXXX  XXXX  FRAUDULENT ACCOUNTS : XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 

WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. 

PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I sent out a 609 letter to all three bureaus addressing accounts that I saw a sufficient amount of errors asking them to validate and correct all errors. On XX/XX/2022, I sent out three demand to comply letters, asking them to comply with their rules, seeing that I had not heard back from non of the bureaus. It is now XX/XX/2022, I'm yet to hear back with any results. I have exhausted all my options and according to what I read on the laws pertaining to this situation, lodging a complaint with your department seems like my only option if I decide I want to go to court.
Complaint sub-issue: Investigation took more than 30 days

To Whom it may Concern I was looking through my credit report and seen a unauthorized account on my report I then call the company and reach out to XXXX, Equifax and XXXX. XXXX  and XXXX  has already removed this from Credit report. for some reason Equifax has not removed it yet nor has they respond to any of my dispute I feel like they are ignoring me I sent out a dispute letter on XX/XX/2021, XX/XX/2021 and a demand to comply on XX/XX/2021 and till this day I still have not got a response back from Equifax. I am looking to buy a house and this is slowing up my process I do not know what else to do I am hoping you guys can help me
Complaint sub-issue: Account information incorrect

The company XXXX XXXX XXXX account XXXX gave false information on my credit report stating that I have multiple late payments. I personally email XXXX  customer service to correct these false information.Also I stated to XXXX I made these payment I have screenshot proof and I personal feel that XXXX purposely delayed my payment process just because I previously contacted the CFPB about there false statement earlier.I feel like I am being targeted because I spoke my mind.I also have documents supporting my statement attached.
Complaint sub-issue: Account information incorrect

Inquiry on my credit report does not belong to me. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

My personal information ( social security number, birth dates, addresses, and other compromising information that would make it very easy to be a victim of identity theft or be a victim of credit fraud ) may have been compromised as part of the cyberattack on Equifax that was reported on Thursday,  XX/XX/XXXX ( though occurred a couple months prior ). This is absolutely ridiculous considering since there was no way for me to avoid having my information available to Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint to Equifax on inquiries on my credit report I have ask Equifax to remove these inquiries they have fail t do it, these inquiries are fraud and I want them removed off my credit there is over 20 inquiries on my credit report, I do not appreciate filing complaints and Equifax not taking me serious .so correct this by taking these credit inquiries of my credit report I have FTC identity theft report and sent it Equifax t correct this situation, now please remove, and do not put no fraud alert on my credit report, I want this resolved or I will keep filing complaints until this is removed and resolved
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact   XXXX   the week of  XXXX   XXXX ,   XXXX   and spoke with a  XXXX  representative from which I did n't get anything but a hard time and someone who belittled me. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX , which was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  ,  XXXX  sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX  which was been delivered and is available at a  XXXX   XXXX   at    XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , TX  XXXX  and Equifax which was was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX . According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it st ates that any information can be disrupted and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
Complaint sub-issue: Account status

Equifax is reporting the wrong dates for an old bankruptcy I have already disputed the account many times and they will not remove it. I have already sent them proof of correct dates. correct date is XXXX XXXX 2007.
Complaint sub-issue: Public record information inaccurate

I PULLED MY REPORTS ALL 3 I NOTICED BANKRUPTCIES IS REPORTING ON XXXX ONLY. I SENT IN ALL SUPPORTING DOCUMENTS, MY XXXX REPORT IS NOT REPORTING ANY BANKRUPTCIES AT ALL, XXXX STATED THAT THEY ARE, THAT IS INACCURACY INFORMATION, I ASK THEM TO REMOVE MY BANKRUPTCIES immediately immediately. THE FAIR CREDIT REPORTING ACT MENTIONS NOTHING IN SECTION 1681C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILING.THE LAW CLEARY STATES FROM DATE OF ADJUDICATION OR DATE OF ORDER FOR RELIEF ANY CASE CIVIL OR OTHERWISE WHICH IS DISMISSED NO LONGER EXISTS IN THE EYES OF THE LAW, AND A CASE FILED MAY NEVER HAVE ACTUALLY BEEN ADJUDICATED.
Complaint sub-issue: Debt is not mine

I was a customer with XXXX back around XXXX. Early Spring of XXXX I had a car wreck that resulted in my having to undergo XXXX. I contacted XXXX immediately and explained that I was n't going to be working for the next three months, they said we can hold your account until you get back to work. So, I had to ensure my bill was up to date with charges and paid for before they would do that and I did exactly what they said to do. When the three months passed and my doctor cleared me to return to work, I went back to Verizon around XX/XX/XXXX to restart my service and they told me that I did n't have an account with them and my old number which I currently do not remember had been given out as a pay as you go phone. This went on for 6 months of calling XXXX, going to stores, and even talking to corporate over this issue. All the while they kept stating that I did n't owe them any money which I asked them repeatedly and said that I will pay to get my service back because I liked it. Well, low and behold, starting around XX/XX/XXXX I started to receive collection calls about twice a week since and I have disputed this multiple times without ever getting a response from anyone. Now, Jefferson Capital Systems has this phantom collection account which they told me was still active even though XXXX has said repeatedly that I never had an account with them. So, XXXX and the other collection companies, which is now on the fourth collection team and they keep asking me for paperwork that I do n't have and XXXX has never proven I owe them any money wants me to pay {$1000.00}. Like I said previously, I have disputed this several times and gotten no response from anyone, Jefferson Capital even stated it showed it was in dispute, yet, they had info on this account either. This is now impacting my ability to obtain housing because this after not showing on my credit for almost 2 years all of a sudden a few days ago just shows up. I am trying to buy a house because my current place of residence is being sold and this is keeping me from being able to do so, I will not become homeless because of this.
Complaint sub-issue: Debt was paid

I had 2 bills from XXXX XXXX for a total of {$120.00} that I paid in XX/XX/XXXX. I subscribe to a credit monitoring service and got an alert a few months ago. I've never received any bills from the collection agency or XXXX XXXX. I used the bill pay option through my insurance company to pay the bills. I called XXXX XXXX and after several calls and emails they said they received proof of payment and would " send to correct department to review. '' That was on XX/XX/XXXX. I disputed with all 3 credit agencies. XXXX removed it the same day. XXXX and XXXX both say the debt has been reported as accurate. Even if I wanted to pay the collection agency, PlusFour, the number is out of service. I've disputed twice each with XXXX XXXX XXXX and included proof of payment and they just keep saying the same thing.
Complaint sub-issue: Account information incorrect

The defective item was returned in XX/XX/2018 upon an agreement that the account would be credited, thus nothing was due after that time to report late
Complaint sub-issue: Debt was result of identity theft

My bank account was hacked, resulting in XXXX charges made to XXXX for services I did not receive. I called XXXX when the first charge had posted to my bank account but was told that I would need to dispute the fraudulent charge with the bank. This resulted in XXXX additional charges hitting my account. My bank opened a fraud case and is investigating. The payments were stopped, and the account was closed. XXXX sold this account to a collection 's agency though ( TRS Recovery Services ). I contacted XXXX to advise of the fraud case and completed their required information to dispute the charges. I received a letter back from them dated XX/XX/2023 advising that they were denying my dispute and required a claim be opened via XXXX. 

I am a minor child who NEVER received ( and have never used ) XXXX however these XXXX charges are now in collections and the agency is not assisting me with resolving this.
Complaint sub-issue: Their investigation did not fix an error on your report

My mortgage are showing late payments which is not correct and this is causing me problems trying to Refinance my home.
Complaint sub-issue: Didn't receive enough information to verify debt

On XXXX I mail dispute letters to each bureau reporting Enhanced Recovery 's reporting of a XXXX collection for {$3600.00}, plus I mailed a debt validation letter to ERC so I can get factual information on this XXXX account. I had a XXXX account years ago, but I do not recognize this? 

ERC on verifies the bureau dispute letters with no explanation. ERC never responded to the debt validation letter from XXXX. 

I have read the Date of First Delinquency is suppose to be one exact date, not three separate ones. Isn't this used for the 7 year statute of limitations and the scoring model to adjust my score?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago : - XXXX XXXX XXXX XXXX = {$2100.00} - XXXX XXXX XXXX XXXX = ( Closed ) - XXXX XXXX XXXX XXXX ( Closed ) - XXXX XXXX XXXX = {$130.00} I also have some hard inquiries on my credit report that I did not authorize as well : XX/XX/18 - XXXX XXXX XXXX XX/XX/18 - XXXX XX/XX/18 - XXXX XXXX XXXX XX/XX/18 - XXXX XXXX XXXX I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.
Complaint sub-issue: Problem with personal statement of dispute

I have sent numerous letters to XXXX XXXX  and the credit bureaus XXXX, Equifax and XXXX.I feel that the decision was unfair due to the circumstances.In the event of the information being erroneous and outdated. I have been caused a great deal of stress and anxiety due to my current status of applying for a home loan. I was denied credit due to the late payment. It is also reporting 90 days on one report and 30 days on the other.My credit is very important to me.I take full responsibility for my actions that was not in my ability to control Life happens. Unfortunately, at the time of the incident mentioned above, I had accident that caused me miss a payment hospital stay/injury. I am asking that the late payment be removed and I have a plan to avoid this happening in the near future. My payment history is 99 % which is excellent.
Complaint sub-issue: Need information about your loan balance or loan terms

I called my loan servicer on XX/XX/2022 to refund payments that I made during the Covid-19 forbearance. These payments total {$26000.00}. Since then, I have not received any confirmation about his request, and have also called and emailed the company. Moreover, about {$1000.00} of the refund payments are from a checking account that is no longer. I've repetitively contacted the servicer, but have not received a refund check, an updated balance, nor much information.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX XXXXXXXX {$500.00} XXXX XXXX XXXX {$78.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$820.00} XXXX XXXXXXXX {$630.00} XXXX   XXXX {$500.00} XXXX XXXXXXXX {$650.00}
Complaint sub-issue: Account status incorrect

I recently have been disputing this account on my credit report. I do not agree with the balance they claim i owe. Well after 3 months of disputing this account for some unknown reason The Helms Association decided to increase the alleged amount owed. The balance was {$6700.00} which i didn't think i owed that much. Now i just checked my credit and they have increased the balance to {$7100.00}. This is illegal to randomly after 5 years of non payment increase the amount i owe. This is inaccurate information and a violation of the FCRA
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX BANK Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX CO XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX If after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete.
Complaint sub-issue: Don't agree with fees charged

I received notice that I defaulted on a student loan from 1993. I thought I paid it but was not sure. I was talking with my family about it and they remember that I did pay it off. It was the first big obligation that I had paid off and at the time, they were proud of me. I started school with the promise of employee reimbursement but lost that due to XXXX. They set up a payment plan but I have been unable to make payments. The thing is, this is over twenty years ago and I do not have documentation from that time. I was homeless for almost five years and lost everything. Even with that, it is unreasonable to expect someone to be able to prove they paid something from 20 years ago. Student loans says they sent collection letters but I did not receive them. I move around a lot and was homeless, so they could have been an issue. My family states they never saw any communication. Even with the XXXX I am doing well in school but if I do n't get this resolved, I will have to quit. The attitude of the Department of Education is that even though I paid it, they do not show the payment, and I am supposed to pay it back. They will not budge, even though they have not looked for an error from that time. They state that there is no error because the computer show I owe the money. It does not make sense to me. I have tried the ombudsmen and they state I have to have proof of payment. Twenty years ago it was very normal to keep paperwork for 6 or 7 years then dispose of it.