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

Hello, I've looked at my credit report earlier this morning and saw a few fruadelent accounts on it. Ive contacted the creditors and they inform me to reach out to the credit bureau which i did. They advised me to get a ftc report and i have attached that. I am requesting that these accounts be removed from my credit report. These accounts are not related to any transactions done by myself.
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.

All accounts/collections on my credit report have 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 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: Lender trying to repossess or disable the vehicle

I have been unable to work and receiving unemployment through no fault of my own during this Globel Pandemic COVID-19 Disaster emergency like all other consumers struggling right now while we watch all of our leaders that work for us that are supposed to be helping us during this time by providing Federal Stimulus Emergency Funding but are too consumed with filing lawsuits at the moment since ever since they came back from their month long vacations that we pay for. While america cars get repossessed and house get repossessed by Financial Institutions like CARMAX We do have CARES ACT Policy supposed to protect consumers against car loan financial institutions like CARMAX Who cowardly came and stole my vehicle from me and my children in the middle of the night like thieves, no waring, no emails only unnecessary harassing daily phone calls by nasty customer service agents that you just gave them a payment 2 weeks ago. I have been paying what I can from my small unemployment check I am supposed to be feeding my kids with. It's not like they have not received any Payments at all in 3 months? How is this legal and allowed to take place during this Pandemic? Consumer Financial Protection Bureau and the Care Act Laws and policy in place during COVID-19 to receive credit reporting protection and repossession protection for consumers against this poor treatment from these greedy Car Financial institutions like CARMAX who has been forced to close half of their car dealerships and are filing for bankruptcy. They are Closed to speak with consumers on Sundays so we could not speak with anyone for after our hours emergency situations and could not get any answers from calling an actually CARMAX Dealership, We were just told sorry we can't help you call back tomorrow. This felt like we're operating in a third world country not in this century. Honestly, I was so blindsided by this whole thing because of their agreement to work with me during this difficult time, so my children and I were unable to drive to get any essentials all day on Sunday XX/XX/XXXXXXXX before XXXX Holiday. My vehicle is full of very important paperwork and information that I need in my possession ASAP. My family and I have been so upset all day and can not believe we have been treated like this by CARMAX During this difficult time COVID-19. The Consumers have rights and Protection Required by the Care Act Amendments Policy in Place to the FCRA The vehicle information is XXXX XXXX XXXX XXXX VIN # XXXX five year old car Retail value for five year old car not much value needs repairs
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3300.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX  XXXX Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Balance XXXX {$720.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Talked to a third-party about your debt

Jefferson & Associates XXXX call me, my family, & employer several times a day. I have asked them to stop. They refuse. I have asked them to send me documentation showing my debt. They refuse. They have even disclosed this situation with my employer. My employer has asked them to stop. They reuse.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I have been charged an amount when I previously paid the amount in full. I also notified the company which submitted documentation as a law firm and not a debt collector. This inaccurate information was still placed on my credit file of all three credit bureau which has significantly affected my credit score. The rental contract was scheduled to end on XX/XX/2020. I departed and submitted all keys on XX/XX/2020. Also per the documentation I have provided all fees had been paid as of XX/XX/2020. Please view that the amounts owed were addressing the dates from XX/XX/2020 until XX/XX/2020.
Complaint sub-issue: Can't close your account

Lost my card and got new credit cards. Once I activated them, I was unable to access my old account to settle my balances. Balance was due in 5 days. Customer service rep in XXXX told me to wait 5 days as it would take that much time to transfer everything over. I did not want to wait to give them my money. Asked for supervisor, and they transferred me to XXXX XXXX to a man name XXXX. XXXX also could not help and refused to give me the name of his supervisor. I simply want to pay my bill in full and close out my account
Complaint sub-issue: Investigation took more than 30 days

Equifax waited an unacceptably long amount of time before notifying the public of their failure to secure my personal information and the personal information of many others. 

Equifax did not reach out to the affected users despite knowing already who has been affected. 

A credit freeze should be free but especially in this instance where many people 's credit has been put at risk by the very company who charges the fee.
Complaint sub-issue: Personal information incorrect

I have sent several requests to XXXX, XXXX  and Equifax for them to report the correct information. They are reporting my name incorrectly and reporting addresses that do not belong to me. The following information is repoting incorrectly. 

Equifax has my name as XXXX XXXX my name is XXXX XXXX I am a man not a woman. 

XXXX  - XXXX XXXX ( my name is XXXX XXXX ) Addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  - XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ( my name is spelled XXXX XXXX ) Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only infomation that should be reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Public record information inaccurate

I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.
Complaint sub-issue: Reporting company used your report improperly

I have asked the credit bureaus to do Theral review of my credit report, they did but i have found improper even after they did. but i did research and found improper even after they did the Theral research. Account # XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX account # has violated my rights 15.u.sc 1681 section 602A section 2 : it also states a consumer reporting agency can not furnish an account without my writing instructions. 
this what is being don't to consumers is not fair and should not be allowed, there need to ne some changes, i am hoping this helps understand my situation and these account gets removed from my records for never to return.
Complaint sub-issue: Account status incorrect

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX XXXXXXX Date Opened>>>>> XX/XX/2009 XXXX XXXX XXXX XXXX Date opened>>>> XX/XX/2009
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I disputed a Gold necklace Chain I ordered from Macy 's fine jewelry in XX/XX/2021. Months of outgoing investigation unsure if package been located. I called XXXX and USPS as directed by Macy 's credit card team representative. I also inquire USPS carrier who informed packages of that price range are to be picked up at local office. Visited local office no package with my name in facility. Macy's/ XXXX XXXX continue to hold me responsible for something that I never received.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed directly with XXXX and Equifax both regarding XXXX. The account has been illegally re-aged! I have submitted dispute after dispute to no avail. There are so many inaccuracies within the way the account is being reported but after several disputes nothing has been done! The account type is missing which makes the account inaccurate in XXXX way. The number of terms is missing- inaccurate. XXXX failed to perform a proper investigation as the last date is XX/XX/XXXX! It was just disputed in XXXX of XXXX! Equifax failed to list to whom the account was sold to which is a violation! XXXX shows the last reported date as XX/XX/XXXX. Equifax shows XX/XX/XXXX. How is that even possible when the disputes were submitted at the same time. For sure less than 2 years ago! XXXX has the date last active as XX/XX/XXXX and Equifax has it listed as XX/XX/XXXX. That proves the account was illegally re-aged! XXXX has the date of last payment as XX/XX/XXXX and Equifax shows XX/XX/XXXX! How is that even possible when the information is supposed to be furnished by the same company? I believe it is a tactic to prolong how long the account is supposed to report on my credit file which is illegal! Equifax is reporting a payment history each month at OK while XXXX shows the account as charged off! If the account was sold to XXXX XXXX XXXX XXXX why is XXXX still reporting this account? I have sent both bureaus a dispute and they continue to ignore my dispute and report this inaccurate account with no regard. How can both these bureaus continue to report this account even though it is not 100 % accurate along with a serious FTC violation of re-aging? They are purposely damaging my credit file and causing me harm.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax furnished unknown inquiries on my consumer report without permissible purpose. In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ). I am exercising my right to challenge questionable information that I do not recognize the information listed in attachments.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX  {$240.00}. This account has caused me financial ruin. I have asked this account to be removed. XXXX XXXX XXXX  said this will be removed. which didn't happen they have only closed the account. because it was open in error
Complaint sub-issue: Their investigation did not fix an error on your report

This the fourth attempt to correct these fraudulent accounts, fraudulent names, and incorrect addresses on my credit report.
Complaint sub-issue: Overdrafts and overdraft fees

i bank with discover.com with checking, savings & credit card accts. overdraft protection is set up for checking by savings acct. appreciate that discover waives almost all fees. however, they keep sending paper letters to notify of insufficient funds in my checking acct, even with just {$1.00} insufficient amt. 
time & again i wld leave complaint msgs & they wld just say it's their policy. i wld mention abt the green new deal, or save time, effort & pay, it's a wasteful policy, etc. besides i'm enrolled in overdraft already so why notify me still? i get emails also & by the time i get those paper letters, the overdraft transfers were made already. so those ppr notices only go straight to the wastebasket unopened. 
so which part don't they understand? i even asked if i cld write to their superiors or even to discover 's president. idk how long patience can go far. thus, i'm doing this as you had helped me in the past & hoping you wld do the same with discover. it may seem unimportant, but they shld at least cater to my request. family members hv the same issue. 
thank you!
Complaint sub-issue: Problem getting my free annual report

This is now the third time in the past year that either my husband or myself has n't been able to get our free annual credit report on-line. This time, it was the Equifax report -- their web site says " We 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet '' and I have to do it by postal mail. That 's a huge amount of additional work, plus some expense -- and there 's no explanation what-so-ever of why I could n't get it online. Each time we 've gotten that message in the past, once we finally got the report, we checked it carefully, and found no errors which might explain why the on-line request failed. So now I 'm told I have to go through that process all over again to get my report. There should be some way to find out why the on-line request is failing, so it can be fixed. ( I 'm beginning to wonder if they make it fail, so they do n't need to supply the report at all -- I 'm sure thatmany people, when faced with what needs to be done to get it mailed, just give up. )
Complaint sub-issue: Information belongs to someone else

Lexus nexus is reporting I have had about 7 car accidents I never had a car accident and they dont have a police report to prove it they must delete this information and so must the New Jersey Motar Vechile commission
Complaint sub-issue: Information belongs to someone else

There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. Some accounts are inaccurate in my report.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$27000.00}, {$0.00}, {$4300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

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

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.
Complaint sub-issue: Information is missing that should be on the report

I am a authorized user on several of my wifes accounts. Her name is XXXX XXXX and we reside at the same address and her DOB is XX/XX/1956 and the last 4 of her SSN is XXXX During the month of XX/XX/XXXX, Equifax has removed three accounts that I am a authorized user. Before the month of XX/XX/XXXX, Equifax reported all authorized accounts correctly. My accounts are being correctly reported on XXXX and XXXX XXXX. In an effort to correct this error with Equifax, I called and spoke to a representative at Equifax. I was advised that I should call the creditors to ensure that they were reporting me as an authorize user. I called the three creditors and they assured me that my information was being reported to all three bureaus every month. XXXX XXXX, XXXX, and XXXX XXXX sent mid month updates which were reflected on my wifes credit report but not on mine. The accounts that were removed on my credit report for the month of XX/XX/XXXX are : XXXX XXXX - {$500.00} XXXX XXXX - {$4300.00} XXXX - {$15000.00} In total Equifax has removed {$19000.00} of credit from my credit report. This has negatively impacted my credit by reducing my credit score and increasing my utilization. Something is definitely wrong when 2 creditors who are reporting accurately and Equifax is the only bureau not capturing the data correctly. I live in XXXX Georgia and many lenders pull credit with Equifax. To that end, it is quite important that this issue is resolved quickly and does not continue to repeat itself. Your immediate attention is needed to resolve this error made by Equifax. I have been unable to dispute this issue via their system because the accounts are no longer appearing on my report and you can only dispute credit that appears on the credit file. Your immediate attention to this matter is greatly appreciated.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I filed a police report. I submitted this with also my drivers license and social security card as well as my statement. They have failed to remove this fraudulent accounts as the say my police report doesnt meet their internal policy. I asked what is the policy so I can have the police correct this issue and they will not disclose this to me. I have tried sooo many times to have these things resolved and they are failing to help me. If the government says I was victim of identity theft how is the credit Bureau refusing to help
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Please update this inaccurate account. XXXX XXXX XXXX XXXX Balance : {$9600.00}.
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 confidentially under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX Acct # 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 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 adverse itemo of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s2 ( 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.