Johnade/consumer_complaints_cfpb huggingface dataset:
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 any item 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXXXXXX XXXX XXXXXXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$300.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$680.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXX, T ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to XXXX Equifax, and XXXX on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. Equifax, XXXX, and XXXX are not complying with their own policies in a timely manner. 

Also address and name should be updated only to XXXX XXXX XXXX XXXX always confirming middle intial ) XXXX XXXX XXXX. 
XXXX, NJ XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have fraud alerts on my credit files with all 3 credit bureaus and I placed a freeze on my Equifax credit report along with locking my XXXX and XXXX. On XX/XX/2018 I was notified by XXXX   for an account that was flagged and placed on my credit report. This account was XXXX XXXX. I immediately disputed the account as fraudulent with all three bureaus. Equifax refuses to delete the fraudulent account even after submitting my identity theft report to them. I was never notified of this account by Equifax not was I ever sent a bill summary showing or a notice of my rights to dispute. I have disputed the account countless times with Equifax, I recently received mail from Equifax stating they wouldnt reinvestigate the account any further. I have also sent my Identity Theft report to XXXX XXXX. Equifax is now ignoring any further communication with me as a result of me disputing the account. I have sent certified mail to them of my identity theft report along with the letter the FTC told me to send including copy of credit report, drivers license, social security card and proof of residency. I do not have the right to be ignored by this credit reporting agency for thier poor job into the investigation of this account that is known the be from identity theft. I have submitted to them proof.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted claim # XXXX on XXXX-18. Equifax responded to me - received XXXX-18.

Their 4 page response had this at the end. 1. Current address has been added. 2. We have reviewed your concerns and our conclusions are : Your Equifax credit file is currently blocked for promotional purposes. 

I knew before their report that my credit file was blocked. Can they block my file " for promotional purposes ''? If they can do what they want with my file, how can I get it pulled ( deleted ) from them? 

I think this is a regulatory issue. Please tell me how the law and regulations apply to my case.
Complaint sub-issue: Old information reappears or never goes away

I called Equifax to try and get some help with some inquiries that were stated to be removed initially, but are still on my credit report. You sent me results of your investigation stating that the following inquires were deleted, yet two still remain on my credit file. The lady over the phone refused to help me over the phone and told me that the inquiries were valid. How does this make sense? The results of my investigation said they were supposed to be deleted. Most of the inquiries were removed but two that were stated to be deleted still remain my credit report.
Complaint sub-issue: Was not notified of investigation status or results

To whom it may concern, I filed a XXXX dispute with no issue. The dispute was resloved as I had no credit due. I filed a dispute with Equifax. Equifax responded with a confirmation code and a link. Any link offered byr Equifax to view my dispute results in " This site cant be reached www.ai.equifax.coms server IP address could not be found. 
Try running XXXX XXXX XXXX. 
DNS_PROBE_FINISHED_NXDOMAIN '' So is my dispute resovled? What are the results? No answers are provided no matter which way I approach the Equifax website.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

My husband got laid off and can not pay my credit card I called macy 's ( Citibank ) and they keep giving us the run around and telling us they can not do anything. I am XXXX and that seemed to be of no concern to them. This happened XXXX XXXX around XXXX thru XXXX and we called today XXXX. Several times during the calls, they dropped. One time seemed to have picked up and hung up. 

What can I do?
Complaint sub-issue: Didn't receive enough information to verify debt

To Whom It May Concern, The reason for my dispute is I C System XXXX  was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C System. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation CALIFORNIA allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) I C System failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. I C System is held liable as well for defamation and in the state of CALIFORNIA a creditor is who collects their on debt is considered a debt collector under. FDCPA I fail to see where I C System is in compliance with CALIFORNIA LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. I C System. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX Balance : {$95.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX Bankruptcy XXXX Balance : {$0.00} XXXX  XXXX Balance : {$430.00} XXXX  XXXX  XXXX  XXXX Balance : {$720.00}
Complaint sub-issue: Problem with fees

This is regarding a Citi card. I purchased an airline service and made the payment on the due date. I got another statement with a new balance. I called the customer service on XX/XX/2020, regarding my statement and I was told that I have a balance which is regarding the membership fees of the credit card. I spoke to the customer service and paid the fee {$99.00} on XX/XX/XXXX. I was told that there was a late fee but they will remove after I requested. Therefore, I was getting 1-800 calls regarding my due balances. I kept telling them that I made my full payment and I was promised to remove the late fees. The credit card company keeps adding a {$27.00} late fee every month and harassing me to report for debt collection. I sent my written appeal with a detail via a certified mail in XXXX. I explain to them and there is no response. I need help. Thank you.
Complaint sub-issue: Information belongs to someone else

I WAS VICTIM OF IDENTITY THEFT AS A RESULT OF THAT ACCOUNTS WERE OPEN UNDER MY NAME THAT ARE NOT MINE AS FOLLOW DISCOVER FINANCIAL SERVICES # XXXX ....
Complaint sub-issue: Debt is not yours

At the end of XX/XX/2022 ( letter was postmarked XX/XX/XXXX ) we received a letter from I.C. System, Inc. claiming they were collecting a debt of {$62.00} owed to XXXX ( XXXX ). 

We sent them a letter in the following week and then 2 weeks after that another letter by USPS Certified mail that we were never customers of XXXX and thus could not owe them any money. We asked them for proof that we were the ones that owed money. 

On XX/XX/2022 we received a response by mail from I.C. System, Inc. that they claimed was proof. It was a bill from XXXX with my same first and last name ( no middle name present ) and an address in XXXX. However, we have never lived in that state or have friends or family in that state. It is not me. 

At this point we decided to file a complain with CFPB on XX/XX/2022 XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX got a copy of my credit report on XX/XX/2021. I didnt authorize for them to obtain it. 

Discover financial services got a copy of my credit report on XX/XX/2021. I didnt authorize for them to obtain it.
Complaint sub-issue: Problem with personal statement of dispute

Hello, On XXXX XXXX XXXX I sent the first of many letters to all three credit bureaus Equifax, XXXX  and XXXX in regards to verifying the accounts on my credit report. I requested that they please send me copies of the documents they have in their files, as of this date, they used to verify the accuracy of the accounts I listed in the letter. <P/>I asked them to delete the accounts immediately if they did n't provide verification of my connection to these account. The original signed contract between me and the company. Their response was to send me a copy of my report which is not verification that the account is valid Under the Fair Credit Reporting Act. <P/>The dates of the letters are as follows First Letter XXXX XXXX XXXX - Equifax XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX Second Letter XXXX XXXX XXXX - Equifax, XXXX, XXXX Third Letter XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Equifax, XXXX Fourth Letter XXXX XXXX XXXX - Equifax
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My Citi credit card information was stolen and used to make 6 fraudulent charges on XX/XX/XXXX. I noticed this on the XXXX and immediately notified citi bank. I also notified them immediately a few weeks later, when I started receiving some of the fraudulent items in the mail. They are trying to pick and choose which of the 6 charges are fraudulent and have not opened cases on the smaller amounts, even though i've requested via phone. All 6 charges are from similar scam sites that sell health/diet pills. A few responded to citi trying to say they were legit. The receipts they provided actually proved they were fraud. The receipts had a fake email and a public IP address from a different city. Even with the proof of the order being placed from a different city and fake email citi is finding in favor of some of these merchants when they are all the same fraud charges, committed all at the same time. I will provided email and IP/receipt information. Please also see the XXXX   links I provided to citi in emails, which shows this type of fraud happening to others. These are the charges and you'll also see them in the statement. Citi bank owes me a total of {$520.00}, as I am not responsible for fraudulent charges regardless of the type of fraud. So far they have not returned any of it and are trying to find in merchants favor even with proof of fraud. 

XXXX XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX FL {$170.00} XXXX   XXXX FL {$19.00} XXXX  XXXX FL {$29.00} XXXX XXXX FL {$77.00}
Complaint sub-issue: Reporting company used your report improperly

They are sharing my personal information. 

15 U.S.C 1681 section 602 A. States i have the rigth 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 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX is attempting to collect on debt that is not valid. Currently, payments are being made to a federal entity which reflects on my credit report. I have sent XXXX XXXX XXXX proof of the payment consolidation and the Alltran refuses to delete from the credit file. In addition, the account from the same original creditor ( XXXX XXXX  University ) was deleted from credit file from all three credit bureaus ( XXXX, XXXX, and XXXX ) in XXXX 2016 and now is re-appearing on my credit file for XXXX after deletion. I faxed in all proof to XXXX XXXX XXXX and disputed inaccuracy with Butter Business Bureau and Consumer Finance Protection Bureau. The company has refused to delete this from my credit file. This account is being paid under XXXX XXXX XXXX XXXX which reflects on my credit file.
Complaint sub-issue: Deposits and withdrawals

Around XX/XX/2021 got a phone call from US Bank stating that both checking accounts had been restricted. He accused me of being a criminal. 
Once a week I would check with the fraud department in reference to the account and no response. I have made numerous attempts to talk to someone at the bank. I even had a problem changing my address, because I recently moved. 
I froze one of the accounts due unauthorized transactions. This was brought up by the bank that was an option that I could do. And then I got the call stating my accounts were closed due to fraud. They would not give me an explanation of the fraud charge. He said there was a transaction in the amount {$340.00} from XXXX that was turned in as a fraudulent transaction and that was the reason for closing. They have not released all of my funds to me yet. They returned {$3200.00}. They still owe me {$2000.00}. But most of all I did not do anything criminal. And want fraud off of my background. I can not open a checking now.
Complaint sub-issue: Information belongs to someone else

AS A CONSUMER, I AM TRYING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY PROFILE, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE ACCOUNT WAS OPENED, MAINTAINED BY A THEIF. AS A CONSUMER, MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED. AGAIN, I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, I HAVE NEVER SEEN THIS CARD, I HAVE NEVER USED THIS CARD.
Complaint sub-issue: Information belongs to someone else

I HAVE NEVER HAD AN XXXX ILLINOIS ACCOUNT EVER. I HAVE XXXX   MO. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT AGENCIES BACK IN XX/XX/2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THE ACCOUNT WAS REMOVED AT SOME POINT NOW ITS BACK AGAIN.THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX   MISSOURI FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX I received a letter in the mail saying I owe XXXX for an apartment Ive never stayed in or rented. They said I live in a apartment in XXXX ga from XXXX XXXX til end of XXXX! When I purchased a home in XXXX XXXX. I went to apartment complex and the lady also Stayed I was not who. She rented to and I submitted my information to them and they refused to remove it off my credit report and I have debt collection calling for this bill!
Complaint sub-issue: Account status incorrect

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights under15 U.S.C. XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX  account # XXXX and # 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 .In accordance with the fair credit reporting act my rights have been violated and I want these accounts removed not posted as closed REMOVED!!
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I sent faxes to XXXX ( Fax Number XXXX ) and XXXX  ( Fax Number XXXX ) to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. I requested in the letters that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. 

The following bankruptcy entries are inaccurate and unverifiable : Account # XXXX Reported XX/XX/XXXX Account # XXXX Reported XX/XX/XXXX Both XXXX  and XXXX   responded back stating the bankruptcy is accurately reporting based on third party data provider LexisNexis. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX and XXXX  have yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. When I contacted Lexis Nexis they stated that they got the information from United States Bankruptcy Court. 

This information is false. I received a letter from the United States Bankruptcy Court Georgia XXXX District stating : " They do NOT report or transmit bankruptcy court records or any other information to the credit reporting agencies. '' The Credit Reporting Agencies have failed to properly provide any viable evidence bearing my name, signature or showing the account is being reported accurately which is what I initially requested. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. 

After receiving the letter from the United States Bankruptcy Court Georgia XXXX and LexisNexis response to my inquiry, I attempted to contact XXXX and XXXX again. I sent XXXX a detailed letter outlining the situation, actions I had taken to remedy the situation ( filing a police report, Identity Theft report, etc ), and requesting that they reinvestigate the accounts. The certified letter and supporting documentation were signed for and delivered by USPS #  XXXX on XX/XX/XXXX by XXXX. The certified letter and supporting documentation were signed for and delivered by USPS # XXXX on XX/XX/XXXX by XXXX. 

Again, I received the same responses from the Credit Reporting Agencies as explained above. The exact same response. I am not sure what else I am supposed to do at this point. XXXX  knows there is an identity theft issue with my credit file since I am unable to verify my own identity through their checks and balances, which prevents me for getting healthcare coverage, insurance, and requires that I send a ridiculous amount of paperwork in the mail just to get a copy of my own credit report. This situation has been absolutely maddening. I hope desperately that you can help.
Complaint sub-issue: Was not notified of investigation status or results

XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Credit Card for Reported : XX/XX/2018 - {$14000.00} is not mine
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was denied a lower interest rate based on a " credit score '' provided by Equifax. I received a copy of my full credit report from that agency but can find nowhere in that document that states a " score. '' I have been unable to obtain any information from Equifax about how that come up with this number. I have received credit scores through to other credit reporting services ( XXXX XXXX and XXXX XXXX ),  supposedly reported by Equifax, of XXXX and XXXX respectively. The credit score Equifax reported to my bank was XXXX. This lower score is causing me to pay a 2 % higher interest rate on my loan. I need to get Equifax to correct the score reported to my bank in order to receive the lower rate. I have found it impossible to communicate with Equifax if your situation does not fit into one of their pre-selected categories.