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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at
a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Debt is not mine

Requested debt validation from Hunter Warfield for an apartment complex that I have never lived in, and the account that was listed in collection in my credit report. The response from the debt collector was a request of a copy of my Social Security Card and Drivers Licence. Since they could not properly validate the debt or even prove they were dealing with the correct person. Sent them a XXXX letter informing them that they did not properly validate the debt per FDCPA and requested they remove the account from my credit report and refused to do so.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, Sallie Mae has violated my rights. 

15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can't furnish an account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 XXXXXXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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.
Complaint sub-issue: Account status incorrect

Step 1 : What is this complaint about? 

XXXX XXXX has sent inaccurate tradeline information to Equifax about my credit card four times in XX/XX/XXXX. 
I want the inaccurate tradeline information removed, and have contacted customer service at XXXX XXXX and Equifax to alert them that the information is inaccurate, and I want it removed. 

Step 2 : What type of problem are you having?

My credit report is continuously monitored by the TrustedID Premier service by Equifax. I have received four emails in XX/XX/XXXX notifying me about changes to my credit report, made by XXXX XXXX. The changes to my tradeline that have been reported to me are inaccurate. 

Step 3 : What happened? 

On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to Equifax that my account had been Affected by natural or declared disaster. 
This is wrong. I have not been affected by natural or declared disasters, and I did not make any such report, ever. I know of no natural or declared disasters in my surrounding area. 
On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to Equifax that Consumer disputes after resolution. 
This is wrong. I did not make any consumer dispute on my XX/XX/XXXX account in XXXX or XX/XX/2018 at all. I paid my accounts on time in each case, without making any kind of dispute. 

Step 4 : What company is this complaint about? 

This complaint is about XX/XX/XXXX customer service and Equifax TrustedID Premier Customer Care. 
I contacted the TrustedID Premier Customer Care Team at XXXX on XX/XX/2018 to report the inaccurate tradeline update made to my credit report by XXXX XXXX. Equifax TrustedID Premier Customer Care Team told me there was nothing they could do, and I should call XX/XX/XXXX. 
I called XXXX XXXX customer service ( XXXX ) on XX/XX/2018, and described the problem to them. They said they would clear up the inaccurate information and remove it from my credit report. 
On XX/XX/2018 I received a letter from XXXX XXXX saying they corrected the issue. However, they did not. The inaccurate information has remained on my credit report, and they have added more incorrect information each month of XX/XX/XXXX. 
In addition, the correction XXXX XXXX claimed to have put in place was in itself inaccurate. They said my account was no longer in dispute. That was not trueit was never in dispute in the first place. 
When I received information about more inaccurate updated tradeline reports being made to my credit report by XXXX XXXX, I called their customer service line again on XX/XX/2018 to complain about the inaccurate information they keep reporting to Equifax. 
Once again, XXXX XXXX did nothing to correct the situation. 

Step 5 : Who are the people involved? 

The people involved are myself and the customer service representatives at XXXX XXXX and Equifax TrustedID XXXX Customer Care.
Complaint sub-issue: Account status incorrect

XXXX  REPORT PAST XXXX DUE TO EQUIFAX, XXXX PAST DUE TO XXXX AND XXXX XXXX DUE THAT INCOREP INFORMATION MY CREDIT SCORES GONE DOWN I AM NEVER PAID LATE ALL PAYMENT WAS MADE ON TIME AND IT IS AGREED DUE TO THAT BAD INFORMATION THE CREDIT COMPANIES HAVE DECREASED MY CREDIT LINE AND INCREASED THE ANNUAL INTEREST ON MY CREDIT CARDS THE DAMAGE CAUSED BY THAT BAD INFORMATION HAS ALREADY CAUSED DAMAGE TO MY PERSON AS IT IS AFFECTING MY GOOD CREDIT RECORD, THEREFORE I ASK THAT YOU NOTIFY THAT LOAN AGENCY TO RESOLVE THE DAMAGE CAUSED AND I HOLD THEM RESPONSIBLE FOR THEIR ACTIONS THAT ARE CAUSING ME A DAMAGE MY LOAN NUMBER # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Unauthorized inquires are on my report from   XXXX   XXXX   XXXX   XXXX   for the dates of  XX/XX/XXXX  and  XX/XX/XXXX . I have reported this to   XXXX   XXXX   directly numerous times by phone and mail. I have also disputed the items with all   XXXX   credit bureaus. These items were not authorized by me and should NOT be reported.
Complaint sub-issue: Account information incorrect

AS OF XX/XX/XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX IS FALSELY REPORTING LATE PAYMENTS ON MY EQUIFAX CREDIT REPORT. XXXX IS REPORTING TO EQUIFAX THAT I WAS LATE PAYING THEM 120 DAYS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I HAVE NEVER MADE ANY PAYMENTS OR HAD ANY FINANCIAL OBLIGATION TO THIS COMPANY. I HAVE BEEN DISPUTING THIS ACCOUNT WITH EQUIFAX FOR SOME TIME AND NO PROGRESS HAS BEEN MADE. DUE TO THESE INCORRECT LATE PAYMENTS, I HAVE BEEN DENIED CREDIT DUE TO THIS ERROR REPORTED BY XXXX. IN ADDITION, I WAS NEVER GIVEN THE RIGHT TO DISPUTE THIS ACCOUNT BEFORE IT ENDED UP ON MY CREDIT REPORT. XXXX HAS VIOLATED FCRA 15 U.S. CODE 1692e ( 10 ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Complaint sub-issue: Account status incorrect

I am in the process of getting a mortgage refinanced. 

I have seen my credit reports from Equifax, XXXX and XXXX. 

XXXX  has information that is not true. They clain deliquincy, balnce of credit relative to available credit is too high, number of accounts with deliquency is too high, etc. 

None of that information is accurate. These are all lies.
Complaint sub-issue: Account information incorrect

XXXX continues to report to Equifax that the initial delinquency date of this account is XXXX. This initial delinquency date of this account is XXXX!!! The account was not brought current since this date. XXXX is reporting activity dates to Equifax but Equifax does NOT report based on activity they report based on delinquency!! Activity DOES NOT = delinquency. It does not matter if the there was activity on the account in XXXX. The account was never brought current and the initial delinquency date is XXXX!!! Please report the correct initial delinquency date on my credit report and remove this account from my credit!!!!
Complaint sub-issue: Other problem getting your report or credit score

I have been turned down for credit. The letter was from XXXX XXXX. out of California. I have never even heard of this company. To get a copy of my credit from them I am required to send hard copies of my personal information to them by mail or fax. Well that opens me up to identity theft. Who are these people? What happened to XXXX, XXXX & XXXX. Why is it companies can access this information from who knows what company about me but I can not? This isn't the first time I have had problems. Companies can access this information on me in detail in a matter of minutes. They are showing my credit score lower than any of the other credit bureaus. Really? How many more anonymous companies are out there making up junk on me? And they are not even signed up with the Consumer Financial Protection Bureau. Who gives them the right to handle credit?
Complaint sub-issue: Can't use card to make purchases

I own a brick and mortar business that also sells on XXXX. For the past several months we have had multiple customers who are not able to pay us for the items they have purchased. The reason is that when they use XXXX and the funding is from a Citibank card our business is being blocked. When the customer calls Citibank the reason that is given is that our business is involved in the sale of cryptocurrency. We do not and have not ever been involved in cryptocurrency. I have checked that our merchant category code is correct, XXXX. We have been in business since XX/XX/XXXX and selling online since XX/XX/XXXX. I suspect that the problem is that Citibank is either filtering out our business because the name of the business has the word " coin '' in it or they are confusing our business with another business of the same or similar name that does in fact deal in cryptocurrency. I have spent hours and hours on the phone with XXXX, XXXX and Citibank. XXXX and XXXX customer service has been great and I believe they have done everything they can to solve this problem. Citibank however has awful customer service and will not help at all because I am not a Citibank customer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently pulled my credit report and noticed inquiries that I didn't authorize
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}.
Complaint sub-issue: Trouble with how payments are being handled

My interest rates increase and my payment amount decreases. I've added extra principal to pay off loans earlier but AES keep decreasing the total payment.
Complaint sub-issue: Information belongs to someone else

Hello, My name is XXXX XXXX XXXX. I am writing this 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 the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Complaint sub-issue: Their investigation did not fix an error on your report

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AND XXXX HAS VIOLATED MY RIGHTS. 

* 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

* 15 USC 1681 SECTION 604 A S
ECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 


ALSO I HAVE POINTED OUT TO THE CREDIT BUREAUS THAT THERE WERE INACCURACIES IN THE REPORTINGS. DIFFERENT OPENING DATES, ACCOUNT SHOWING ON JUST ONE BUREAU AND NOT THE OTHERS, DIFF OPENING DATES, DIFFERENT DATE OF LAST PAYMENTS. ALSO I HAVE GAVE THE CREDIT BUREAUS SINCE XX/XX/2022 UP UNTIL NOW TO CORRECT THE INCORRECT REPORTING ALONG WITH THE HIPPA VIOLATION ACT.
Complaint sub-issue: Account information incorrect

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, and TransUnion has XX/XX/XXXX and XXXX  Has NOTHING!. Please tell me how this information was verified by the same creditor but still report inconsistently across the three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account name : Dept XXXX Account # XXXX Account name : DeptXXXX Account # XXXX Account name DEPTEDXXXX   Account # XXXX
Complaint sub-issue: Debt was paid

Payment was made on XX/XX/2023
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ERC XXXX} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked  information. 
The reference items are listed below please take this matter very serious ERC I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

Charges made to XXXX XXXX XXXX in XXXX I live in XXXX got an email to let me know fraudulent charges. Submitted online and they are still charging me {$45.00} for something that was not me
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX DOB : XX/XX/XXXX Social Security Number : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX , GA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Your agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following account does not belong to me : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$420.00} I did not open this account and this account does not belong to me. This collection is inaccurate, please delete from my credit report. 

In lieu of the Fair Credit Reporting Act which states, Whenever a consumer reportin agency prepares a consumer report, it shall follow REASONABLE procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681e ( b ) ) These are compliance procedures that you MUST adhere to. You have failed to do so. My credit report is required by federal law to be 100 % accurate and 100 % VERIFIABLE. I am requesting that this account be re-investigated and VERIFIED through physical proof in the form of the original creditor contract with my bearing signature as well as an explanation of the verification method used to make your final determination. I am afforded this right through FCRA Section 611. Additionally, please investigate each and every notation on these accounts. If you are unable to verify these accounts and their accuracy, with physical proof ( the original contract ), or any other proof, in the form of physical documentation, these accounts must be DELETED in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ).

I am also requesting a description of the procedure that was used to determine the accuracy and completeness of this information. Please also forward this information, with the verifiable proof of these alleged accounts belonging to me to the address listed on this letter. You have 30 days to complete this re-investigation. I am confident that you will find this account was ilegally furnished onto the wrong credit report. PLEASE DELETE AS SOON AS POSSIBLE. I am confident your agency will practice integrity and delete this account swiftly to avoid further escalation and invoicing for each violation in the amount of {$1000.00} USD per violation, as well as, invoicing for defamation of character and willful non-compliance. 

Please send an updated copy of my credit report showing these changes to the address listed on the header of this letter. 

I appreciate your due-diligence in resolving this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( I have not used a signature to avoid forgery in the investigation process ) I have enclosed documents that verify my identity : Identification Social Security Card Utility Bill
Complaint sub-issue: Information belongs to someone else

Companies reporting inquiries on credit file that I have no knowledge of requests that companies provide me with information proving i applied for anything with these companies I'm a victim of Identity theft and I have fraud alert on all 3 credit reporting agencies and no one should be able to pull my credit without authorization from me and I have not at anytime give these com permission to run my credit
Complaint sub-issue: Reporting company used your report improperly

i went to get a vehicle and they said they would pull from the company itself now i have several inquiries and from other im not aware of who inquired i would like to resolve this issue by removing the inquiries.
Complaint sub-issue: Account status incorrect

I sent a dispute For XXXX XXXX XXXX  ( XXXX XXXX. I explained to equifax that XXXX  XXXX  XXXX  did not give me a 20 day notice the right to cure debt. Its a south carolina state law that a bank must notify the consumer in writing the right to cure. XXXX XXXX never showed any proof they sent me the notice within 20 days of the repo. My rights was violated by XXXX  XXXX. I was never given the right to redeem my belongings which the law requires. I purchased a Engine warranty for the car, the engine fail in the car and they wouldn't replace it.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX and on XX/XX/2019, by certified mail, Equifax received my dispute of accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) they are required to provide verification in the form of an original signed contract proving this is my debt. 

Not only did they fail to do that, but they did not notify me of the results of their investigation and send me a copy of the results of their investigation wih a new updated credit report within 30 days of receiving my written dispute. 

This is Willful Negligence and violation of Federal Law on their part. 

Action Required : Delete all of the above listed unverified accounts that continue to be on my credit report and continue to damage my ability to obtain credit, employment and reputation. 


Sincerely, XXXX XXXX
Complaint sub-issue: Threatened to sue on too old debt

XXXX XXXX XXXX keeps reporting on a debt thats 8 yrs old and threatens to take me to court to sue me for that debt. The statue of limitations has passed, I 've disputed the debt, it was removed and then they reported it again and now it 's back on my credit reports.