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

Equifax ; XXXX  and XXXX are reporting incorrectly a charge-off in the amount of {$440.00} on the XXXX XXXX partial account number XXXX and also a charge-off in the amount of {$900.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These ( 2 ) accounts with XXXX XXXX were fraudulently opened. I do not now, nor have I in the past, had any accounts with XXXX XXXX. I never gave permission, nor did I ever authorize these accounts to be opened. This false reporting of charge-off accounts that do not belong to me is seriously harming my credit score and these line items need to be deleted. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filling this CFPB complaint on my behalf and I am informing you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Accounts XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 Federal Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

I am filing a complaint as I 've been informed by Equifax that I am one of the 143 million people who 's privacy data ( social sec, bank accts, etc. ) has been hacked. I am not signing their Credit monitoring as it waves my right to sue, I 'm filing my official complaint against the company as this is unacceptable.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Complaint sub-issue: Information belongs to someone else

XXXX is reporting three fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since XXXX 2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to XXXX back in XXXX 2017. After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XX/XX/XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX, 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XX/XX/XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from XXXX actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only Equifax. This has caused undue stress in trying to remove this inaccurate information. 

This information appears from XXXX and keeps reappearing with different payment dates, payment amounts, etc. 

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX and XXXX account # XXXX is in violation of my my rights, which states that negative and outdated information can not reappear after it is found to be not validated. 

15 USC 1681 section 602-A states that I have the right to privacy. 

15USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I did not provide a wet signature or permission for this account to be reported nor should they be reported form XXXX. Illinois consumer law prohibits reporting after 5 years. I demand that these accounts be removed from my credit reporting file
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize a hard pull on my credit profile.
Complaint sub-issue: Information belongs to someone else

I recently applied for a Business Credit Card for my Corporation and I was denied. The Bank said it was due to accounts reporting negative and lost multiple inquiries. 

The information that's on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Nor have I personally owned or used any of the accounts. 
Multi of my Consumer laws where violated violated Section 603 ( p ) states they must notify me and never did about negative accounts on my report. Violated 623 ( a ) ( 6 ) Incorrect info was never changed.

ACCORDING TO 15 USC 1681 Section 602 ( A ) My right to privacy.

Section 604- I never gave written instructions to share my information. These accounts are fraudulent XXXX XXXX XXXX  XXXX # XXXX. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX, XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX # XXXX AMOUNT {$8000.00} OPENED XX/XX/XXXX Plus there are 4 inquiries on my account from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted  XXXX  and provided documentation of the undeliverable mail to them which they signed for  XXXX / XXXX / 17 . I asked  XXXX  to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my  XXXX / XXXX / 17  report I pulled from my   XXXX   account. I contacted  XXXX  that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated  XXXX / XXXX / 17  from  XXXX  due to my phone call and all of the old incorrect information is back on my credit report.
Complaint sub-issue: Information belongs to someone else

I have been filing formal disputes with these 3 companies since XX/XX/2021 and they are violating the laws that are listed in each letter. I humble myself to be a law abiding citizen and yet the companies are bullying me and yet getting away with it. I will upload the attached letters and show you what I am speaking of. 

I am preparing for a lawsuit for {$5000.00} per company in the next 30-45 days.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/XXXX, approximately around XXXX XXXX I was informed by my roomate that our mail box had been broken into and the mail inside was torn into and opened, including a randomly sent credit card application form that I didn't ask for. The card was taken, but not the application form. 

I called the company that sent me the application form but I was told nothing can be done until an attempt is made to open an account. 

I also called the credit bruea and placed a lock and fraud alert on my accounts. 

I was not able to call the Postal services number due to it being the weekend.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please update all of my personal information XXXX EQUIFAX XXXX XXXX XXXX XXXX. I would like all the names, phone numbers, and addresses along with removing any employer. My only name is XXXX XXXX. My only phone number is XXXX. My only address is XXXX XXXX XXXX, XXXX, TX XXXX. My only employer is XXXX and I am XXXX  employed. There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.
Complaint sub-issue: Information is not mine

Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help
Complaint sub-issue: Debt is not mine

After requesting validation of this debt from Enhanced Recovery, they responded with a letter stating they were going to delete the account from my credit report. However, when I got the results from XXXX the acccount remained on my credit report. I sent a copy of the letter stating they were going to delete the account from my credit report to XXXX and XXXX responded stating Enhanced Recovery had verified the debt. This letter is clear in stating that the account will be removed and is dated XX/XX/2016 so there is no reason the account should be verified as of XX/XX/2016 especially since XXXX had proper evidence the account was to be removed.
Complaint sub-issue: Was not notified of investigation status or results

There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying me.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
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  XX/XX/XXXX DOB : XX/XX/XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$770.00}
Complaint sub-issue: Not given enough info to verify debt

Pro Collect has reported XXXX accounts two times each
Complaint sub-issue: Debt is not yours

In XX/XX/2018 I had applied for an apartment in XXXX, Virginia. At application time I had paid an application fee and security deposit to hold the price that I was quoted that day. I was advised on move in day I would sign my new lease, pay my first months rent, and get the keys. The day I was supposed to sign my lease and move in I called the apartment complex and told them I was no longer interested due to my new commute to work.That is when I was told that I would still be responsible for rent AND I would have to pay monthly for the unit until they were able to find someone else to rent it. I didn't even have a unit number so how am I to know when or if it is occupied. I never signed a lease, I have no contract with them. The application is just that an APPLICATION. About 6 months later I seen that they had put this account on to my credit report as a collection account and Hunter Warfield is the creditor attempting to collect these funds. I have since requested account validations via disputes and nothing has come of it. I have not been shown the proof that I have requested asking how they think i owed them this ridiculous amount of money. I am sure they are ignoring my requests because there is no proof. There is no lease. I would like Hunter Warfield to remove this account from all of my credit files.
Complaint sub-issue: Debt was paid

ENHANCED RECOVERY continues to attempt to collect a debt of {$110.00} dollars that is assigned to XXXX which was paid in full when switching phone accounts. 

This debt has been challenged and removed at least once if not twice before but the Collection Agency continues to cause damage to my credit score by insisting the debt is still owed and by continuing to file a collection against me. 

I have disputed this with the credit reporting agencies and they have ruled in my favor already. 

Please advise Enhanced Recovery to cease and desist with their continued harassment. 

Thank you for your help! 

Best, XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2021 I placed a request for my XXXX service award to pay off my Sallie Mae student loan. Sallie Mae declined the check. After that initial denial, I called Sallie Mae and asked for the specific address and all information needed to send the payoff amount to and specified that the payment would be coming from XXXX. I spoke with two people on the phone from Sallie Mae 's customer service. Despite this, the payment was declined again on XX/XX/2021. Since the initial refusal on XX/XX/2021 to accept the payoff amount, I've accrued more than {$420.00} in interest on the loan and paid {$1100.00} on the loan. As a XXXX XXXX XXXX hoping to pursue a XXXX XXXX to further my XXXX  to my XXXX  this has set me back financially and Sallie Mae has demonstrated no willingness to help with the problem. I called them again after the XX/XX/2021 denial and they refused to offer any alternative method of receiving the payment. I'm thus left with no alternative but to continue to make payments until they accept the payment from XXXX, which I earned by working in a XXXX XXXX XXXX for two years, which I continue to do today.
Complaint sub-issue: Information belongs to someone else

There is a XXXX XXXX account on my Equifax report that does not belong to me. I have been trying to dispute information on my Equifax report for over a year. I successfully had the negative information removed from the other credit bureaus, but I have been unable to login to XXXX to dispute this information. I can log in to the regular Equifax.com website witch then redirects me to XXXX. The account does not belong to me and I want it removed.
Complaint sub-issue: Account status incorrect

Equifax is reporting an account that was paid in full as a delinquent unpaid account. I paid XXXX XXXX XX/XX/2017 in the amount of {$70.00}. Equifax still has the account shown as open bad debt. According to the FCRA, credit bureaus are required to update accounts within 30 days of activity. The status of this account has caused me to be declined for other utilities.
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 1681A states I have the Right to privacy.

15 usc 1681 section 604A 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 than records of convictions of crimes which antedates the report by more than seven years XXXX XXXX XXXX XXXX acct # XXXX & XXXX XXXX XXXX acct # XXXX XXXX. XXXXXXXX XXXX XXXX  acct # XXXX XXXX. XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct XXXX XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX & XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX & XXXX XXXX. XXXXXXXX XXXX XXXXXXXX acct # XXXX & XXXX XXXX. XXXX XXXX acct # XXXX & XXXX XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX  acct # XXXXXXXX XXXX  XXXX XXXX. XXXX acct XXXX XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have contacted these three companies since XX/XX/2020. I have yet to receive any mail from them in regards to any accounts reporting on my credit report. I have the right as a consumer to have every account on my credit report verified which they have failed to do! 

At this point I am distressed at the lack of response. I have children and am trying to purchase a home and this is really affecting my ability. This is delaying my process. 

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated.
Complaint sub-issue: Company closed your account

After having a substantial relationship with   XXXX   XXXX    XXXX  , I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one issue  with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Information belongs to someone else

In XX/XX/2020 I applied for a goverment business loan but was denied do to my credit score. soon afterward I pulled my credit report there I notice numerous fraudulent accounts open in my name. I immediately contacted the diffrent crediors as well as my local police department. As of today I haven't had any of those fraudulent accounts, Names nor Address remover from none of the three credit bueraus XXXX, XXXX  and Equifax.
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$44.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$44.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted this complaint to update these suspicious information. Credit Bureau must validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX