Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Personal information

equifax is reporting name change and I contacted company and they say contact my creditor to see who issued name change. I did talk with my XXXX creditors and they know nothing of name change. 
Then I communicated with equifax again and their response : " Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. 
If this issue is not resolved to your satisfaction, you may reopen it within the next 7 days by simply replying to this email. 
Thank you for allowing us to be of service to you? 
Subject Name Change??? 
Discussion Thread Response Via Email ( Equifax Customer Care ) XXXX/XXXX/2016 XXXX Dear XXXX XXXX, We appreciate the opportunity to resolve this matter on your behalf. 
I sincerely apologize for any inconvenience you have experienced. 
For more information on this name change, we recommend that you contact each of your creditors and confirm that your name is correct in their records. Updating your personal information with your creditors will help to make sure that information reported to Equifax by your creditor is correct. This would also make sure that this information was not changed fraudulently. 
You may also contact our Consumer Services Department at : XXXX. They correct and update any incorrect or fraudulent information on your Equifax Credit Report. You will be able to speak with one of our representatives Monday through Friday from XXXX to XXXX in your time zone. 
If you have any additional questions or concerns, you may contact our Customer Care Department at the telephone number listed below. 
Thank you for contacting Equifax , Equifax Personal Solutions - XXXX Equifax Personal Information Solutions Equifax Complete Premier Plan XXXX ( XXXX ) 24 Hours a Day, 7 Days a week Answers to your financial questions. All in one place. Check it out today. 
Equifax Personal Finance Blog : www.equifax.com/blog [ XXXX ] " Equifax refuses to disclose who submitted a name change.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX XXXX DEBT COLLECTOR IS TRYING TO CHARGE ME AN AMOUNT FOR {$75.00} FOR A CREDIT CARD I NEVER OPENED WITH BLOOMINGDALES NEVER HAVE I OPEN SUCH ACCOUNT OR USE MY SOCIAL SECURITY OR CREDENTIAL TO OPEN SUCH AN ACCOUNT.
Complaint sub-issue: Their investigation did not fix an error on your report

My husband passed away in XXXX of this year. When XXXX XXXX XXXX reported my husband 's death to the credit reporting companies, they erroneously also reported that I was deceased. This resulted in my not having a credit score which is impacting my ability to obtain credit and will eventually affect my insurance rates and countless other things in my life. 

I contacted XXXX and they stated they would contact the credit reporting companies and clear up the error. They have since done that because XXXX  and XXXX  are reporting my credit scores again. Equifax, on the other hand is still showing me as deceased despite numerous phone calls to them. Their own customer service representative filed a dispute on my behalf. I have filed 2 disputes myself and I am confident that XXXX has also notified them that I am not deceased. 

I don't know what else to do to get them to start reporting my credit score again. Please help me. 

Thank you
Complaint sub-issue: Account information incorrect

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. Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : national credit adjust # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : 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 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: Information belongs to someone else

EQUIFAX, XXXX, AND XXXX ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Complaint sub-issue: Didn't receive terms that were advertised

The checking account was opened on XX/XX/XXXX and funded with an initial amount of {$250.00}. I applied for the account using a promo code and offer with the following terms, I expected to receive a {$400.00} sign up bonus after satisfying the terms of the offer, which I did as of XX/XX/XXXX ( 60 days ), my last qualifying direct deposit was on XX/XX/XXXX. 
Promo code XXXX Offer terms : sign up b/w XX/XX/XXXX and XX/XX/XXXX. Complete recurring direct deposits of 2 or more that total {$5000.00} or more within 60 days to receive {$400.00}. Payment within 60 days of verification ( which would have been XX/XX/XXXX ). 
Direct deposit # 1 - XX/XX/XXXX - {$2500.00} Direct deposit # 2 - XX/XX/XXXX - {$2500.00} Having not received the bonus deposit, I followed up with customer support starting XX/XX/XXXX. They did not dispute the promotion being attached to my account. They asked I wait for some time to pass. I followed up after some time and had some back and forth emails. Customer service indicated the direct deposits ( from my employer and via payment processor XXXX ) were coded as funds transfers. I provided proof of the paycheck direct deposit in the form of statements directly from XXXX. As of XX/XX/XXXX they informed me that they could not make an exception due to the way the deposits were coded, hence I am lodging my complaint here.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Account # 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 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: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Complaint sub-issue: Debt was result of identity theft

I recently had a new collections account added to my credit report by Jefferson Capital Systems for a fraudulent XXXX XXXX account for {$280.00}. I did not open this account- I have no knowledge of how this account was opened because I did NOT open an account with XXXX XXXX XXXX I had XXXX XXXX  for a provider more than 10 years ago and did NOT owe them any money before switching to XXXX. This recent ( date on XXXX XXXX says XX/XX/2021 ) XXXX XXXX account is complete and total fraud. I have disputed this debt through XXXX XXXX several times now and they keep saying that it's accurate. It is NOT accurate, I did NOT open a XXXX XXXX account. This fraud is hurting my credit, please help me resolve this fraudulent debt. Thank you.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have received multiple credit collection notices from MRS Associates, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. I have sent a letter indicating that this debt has been dismissed on a final Chap XXXX Bankruptcy in XX/XX/2017, however, they continue to send notices. I have received numerous phone calls from this company and I have either referred them to my attorney and/or have told them to stop harassing me. I have also informed them by phone that this debt has been included in my personal/business bankruptcy. They persist and this has caused me and my family undue XXXX XXXX.I am a XXXX XXXX and have been housebound for the last three months due to a service connected injury. I am suffering from XXXX and XXXX and can't take anymore of this harassment.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the XXXX 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$390.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see below inquiries : INQUIRY XXXX XXXX XX/XX/XXXX INQUIRY XXXX XXXX XXXX  XXXX XXXX, XXXX INQUIRY XXXX XXXX, XXXX I am hereby notifying you that neither on that those or dates similar did I authorize any individual from listed to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this informationplease remove the abovementioned inquiries IMMEDIATELY. It is your duty to accurately report this information and as of now you are not doing that. I look forward to The Credit Reporting Agency resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Complaint sub-issue: Account information incorrect

XXXX, Equifax, and XXXX  is publishing incorrect and inaccurate information on a closed account on my consumer report the account name is XXXX  XXXX  and or XXXX XXXX XXXX it has inaccurate and incorrect information according to the balance, credit limit, payment history, older derogatory events, closed date, last activity, terms, scheduled payment, company name and according to the FCRA they are violating the FCRA 15 usc 1681
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing
Complaint sub-issue: Other problem getting your report or credit score

I need help getting the dispute results for Equifax # XXXX. I have looked at them online through my phone. I don't have internet access at home and can't print them off at home. I went to the public library and attempted to access them there and got a message that Equifax needed more information to verify my identity. I called them in an attempt to rectify this matter and they said they had nothing to do with the website. Finally the Saturday of XXXX XXXX weekend, I called and spoke to a rep and requested they be mailed to me. I called the following Wednesday and the rep that I spoke with was able to verify the report was sent the previous day. I called and spoke to another rep and requested that the report be sent to me. I was told this could not be done because the results were available online. I told the rep my situation, but she didn't seem to care. I have waited the required 10 business days and the dispute results have not yet shown up.
Complaint sub-issue: Didn't receive enough information to verify debt

The late remarks listed is incorrect, there is a late 90 days with no prior late remarks on it. Also the date of last active is different from XXXX and XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Multiple hard inquiries on my credit reports. The only credit Ive taken out, in two years, are 2 leased cars, one from XXXX, the other was XXXX ( which I didnt end up taking ), and a chase card credit increase. 
Dates and companies : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft I did not receive a payday loan two years ago. They have not proven to me that this is my debt. I have reported identity theft and they do not respond. I have sent certified letters and waited and nothing. They continue to put this on my credit report. I was divorced way before this debt occurred and its under my ex spouse name. I do not go by any other name and it states on the debt the last name XXXX
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Add-on products and services

I was very upset to learn that Citi is stripping almost all the insurance from its credit cards for things like trip insurance and return protection - even for new cardholders. They sold the card I was recently approved for with this insurance - such false advertising! They should not be able to sell you one product then just give you another. This really reduces their card 's value - almost all my other cards have at least some of the benefits they have stripped away. It is a move that will enhance Citi 's profits while severely harming consumers and should be looked into by the CFPB.
Complaint sub-issue: Personal information incorrect

I received my consumer report from LexisNexis which contained XXXX pages. In the report there were countless amounts of errors, information that did not belong to me and information that should not have been connected to me in any way shape form or fashion. I sent a certified letter advising LexisNexis of all the the incorrect and outdated information along with my XXXX issued drivers license and my social security card. A letter was sent back to me dated XX/XX/2022 in response stating that they needed additional information to start an investigation they stated the documents were either not legible, Some or all of the identity verification documents I submitted did not qualify in order to very my identity.I do not understand what additional information is needed. Also they have on my report I am married to XXXX XXXX and XXXX XXXX XXXX. I have only been married XXXX time is i still have my married name. Also LexisNexis has my XXXX XXXX XXXXXXXX XXXX on my report as sharing an insurance policy together. We have NEVER applied for or shared an insurance policy together. The list of as many of the inaccuracies will be included.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Its been more than 30 days and the credit reporting agencies are in violation of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!