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

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I was told I would get a XXXX  dollar credit for XXXX dollar of purchases within the next statement. Later, they changed their answer to only get it after two billing cycles. I had called two times to confirm this and they only changed their answer after I had already made the purchases. They only offered the offer when I tried to cancel the card. CITI is clearly bait-and-switching their customers to extend their credit cards. This is unacceptable.
Complaint sub-issue: Old information reappears or never goes away

I received an email saying that I miss a payment on my credit card, because of that my credit score went down by 200 points, my APR increased in another credit score and my credit limit decreased. All of this happened because my automatic payment was cancelled by my credit card company. Then the credit card company never sent me the monthly statement or an email. I called the company and told of the problem. They acknowledge the problem. I paid the monthly statement, but they did not remove the late payment from my credit report. They told me that it wasn't their problem. This is having a negative impact on my life even when it wasn't my fault. I reached out to them for a solution and they don't seem to care.
Complaint sub-issue: Reporting company used your report improperly

I 'm confirmed to be affected by the Equifax data leak.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX, XXXX Account # XXXX, and 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 an account without my written instructions
Complaint sub-issue: Debt is not yours

XXXXXXXX XXXX XXXX was my electric utility in my old house, due to divorce the house was being foreclosed on before the foreclosure i moved and relinquished the house to the bank. I moved and 1 1/2 hours away and placed a change of address. My bill was paid in full at the time that i moved and closed the account. The bank owned the property as of XX/XX/2017 and i never received anything from XXXXXXXX XXXX XXXX at my new address showing any bill otherwise i would have contacted them back in 2017 now a collection agency has posted a collection on my credit report that is not mine.
Complaint sub-issue: Account status incorrect

Back in  XXXX   2017 , I contacted Loan Care and made a payment of about {$3500.00}, at that time I asked if I was up to date and was told by their employee that I was yet they continue to report me late to the credit bureaus.  XXXX   XXXX ,  2017  I made another payment of about {$3500.00} and according to their records I am up to date yet they continue to report me late for the month of  XXXX . I emailed them today. Also I called the investigation department to get a copy or make an appointment to go over the audio recording from  XXXX  about when their employee said I was up to date but no one responded. Not only that  Loan Care c ontinues to report me deceased to the credit bureaus. These errors have caused me thousands of dollars. I cant refinance because they report me late, I cant get a new car or refinance my current car because they report me late. I was denied services such as TV prior because they reported me late. I also filed a complaint a few months ago with the same complaint. What can I do? Who can I contact to file suit against them for the money I am out?
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S DEPT OF ED/XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF ED/XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 25. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 26. XXXX XXXX XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 27. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 28. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 29. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 30. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 31. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 32. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 33. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 34. XXXX XXXX CO on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Their investigation did not fix an error on your report

After receiving a copy of my credit report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these accounts late will be corrected. 

XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

News recently broke out that Equifax discovered a breach in XXXX XXXX, XXXX. [ 0 ] On the evening ofXX/XX/XXXX, I interacted with Equifax 's 'Potential Impact ' web page and learned that I may have been impacted by said breach. [ 1 ] I then obtained a 90-day initial fraud alert and am currently requesting a credit report. 

[ 0 ] Equifax Reveals Hack : XXXX XXXX XXXX. 
[ 1 ] Equifax 'Potential Impact ' Web Page : https : //www.equifaxsecurity2017.com/XXXX/.
Complaint sub-issue: Overdrafts and overdraft fees

During the week of XX/XX/XXXX, I made a purchase on XXXX mistakenly using the wrong card ( debit card ). This was for ~ {$1400.00}. I immediately cancelled the transaction, received notice that a refund was processed, and called the bank to avoid an overdraft scenario. US Bank informed me that it would be no problem whatsoever. I was relieved. By that Friday XX/XX/2018, my bank account had adjusted, the charge was removed, and relevant OD charge was also removed. Great, I have a positive balance in my account, and it reflects this online on Friday, and over the weekend. However, on Monday, XX/XX/XXXX, the charge has re-emerged, and is charged first before several bills that are set to be removed from my account. The first thing I did was transfer money to compensate for the bills. On Tuesday, when everything adjusts again. I am left with 3x {$36.00} OD fees, and a reversed {$1400.00} transaction, leaving me overdrawn by {$80.00}. They purposely manipulated my transaction history, re-applying an already reversed charge in order to justify charging my erroneous OD fees. The only reason Im at a negative {$80.00} balance is from {$100.00} in OD fees. This is deceptive and cruel.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and account status. I believe it was reporting in error. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$9600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$3500.00}.
Complaint sub-issue: Didn't receive enough information to verify debt

I am in the process of going back to school. Once my credit was pulled I noticed Enhanced Recovery Corporation reported to all three credit bureaus as a collection on behalf of XXXX XXXX. I contacted Enhanced Recovery Corp on XXXX and XX/XX/XXXX, both times the representative was very rude and not helpful. She stated it is my debt and I need to just pay it. I asked to please validate the account and she stated that has already been done. I am not aware of this company. I am in Tennessee and this collection agency is not licensed in the state of Tennessee. School will be starting in XX/XX/XXXX, can someone help me resolve this issue so I may continue applying for my student loan? Reported on XX/XX/XXXX Amount {$250.00}
Complaint sub-issue: Debt is not yours

Enhanced Recovery Company is actively, illegally trying to collect on a debt I do not owe. 
ERC has registered a complaint on all three credit bureaus that I owe a cable bill for {$170.00} allegedly owed from XXXX, XXXX 2020. I never did business with this company or the company they are collecting for which is XXXX XXXX XXXX XXXX. I do not and have not lived in an area where XXXX XXXX  is even available. 
ERC has been calling with nuisance calls and says they're trying to destroy my credit. 
Please help stop this company from destroying my credit and calling me with threatening nuisance calls.
Complaint sub-issue: Debt is not yours

A company called I.C. Systems is on my credit report for the amount of {$2000.00}. The date of this account was opened XX/XX/2020. I have disputed this account on all 3 credit bureaus. XX/XX/XXXX & XX/XX/XXXX removed this fraudulent activity!! This is fraud! The information they have on me is stolen. I have no knowledge of this account and believe my ssn was stolen.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Debt was result of identity theft

I have explained that this debt was incurred due to identity theft however collection activities have continued on this account. I have filed bankruptcy and claimed the debt under the bankruptcy as well. This account has been sold by Jefferson Systems twice according to two different representatives I spoke to from their company on Friday XX/XX/2019.
Complaint sub-issue: Information is missing that should be on the report

All of my old history has been deleted from my equifax report. This has caused my credit score and history to go down drastically and when I call Equifax they have transferred me to different people all saying the same thing that there is no history of anything being deleted.I have proof from my previous monthly report and have offered to submit to them but they say nothing they can do so I need to contact my credit card company which i have and they assured me that everything is being reported correctly by them. My history consists of all my good accounts from XXXX XXXX XXXX opened on XXXX, XXXX XXXX opened XXXX, XXXX opened XXXX, XXXX opened XXXX, XXXX XXXX XXXXs opened XXXX, XXXX opened XXXX. I have also attached proof of the accounts being on my report
Complaint sub-issue: Account status incorrect

I spoke with XXXX XXXX many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report
Complaint sub-issue: Company closed your account

I have my own bussiness and was accepting card payments they square. The company closed my account and deactivated it. And held my money for 90 days. Funds were supposed to be released on the XXXX of XXXX but they have not been released yet. I have also tried contacting them and have not been successful
Complaint sub-issue: Information belongs to someone else

I am submittin this Follow up Complaint to the most recent CFPB complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File. I was a victim of identity theft as my personal information was used to open these accounts wihout my knowledge nor permission. I have made a lot of research and found that under the Federal Law, Fair Credit Reporting Act section 605b, the Credit Reporting Agencies, you, are required to remove any accounts and information that resulted due to identity theft. I have heard a lot of news nowadays that identity theft has become rampant causing many consumers to have unknown accounts and information under their name without such knowledge. I am requesting you to remove the fraudulent accounts and information being reported on my Credit File that have greatly impacted my Credit Score. Here is the list of the fraudulent accounts anf information that should be removed off of my Credit Report : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXXXXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please remove the disputed accounts and information off of my Credit File as soon as possible. In the event you conclude that the disputed accounts and information belong under my name, please send me any documents proving such claims. In the event that you find no signed agreement, immediate deletion of the disputed accounts and information will be greatly appreciated.
Complaint sub-issue: Account information incorrect

XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I got a phone call from XXXX from this number ( XXXX ) -XXXX-XXXX on XX/XX/2019 he  would not tell me his business and kept on asking me to verify my social an birthday and he had already knew my information without me even sayin so he asled if it was correct and i said his information was incorrect not to call me ill report him.Than i wake up to my credit karma being XXXX in collections. Im applying for home today i had XXXX credit yesterday and now i have bad credit i want them investigated for fraud. i havent been able to even start my own credit and now i cant even get accepted into a home for my children because of this scam.
Complaint sub-issue: Fee problem

I've been charged overdraft fees on XX/XX/XXXX, XX/XX/XXXX, and yesterday on XX/XX/XXXX.These were {$36.00} each totalling {$100.00}. I have repeatedly tried to pursue a refund but they state they only allow one refund every two years. I haven't been given any notification for fees until the next day, so I am unable to put money in. This handling of my money is very heinous and dishonest. All I am trying to do is get my money back to that was wrongfully taken. I haven't been able to get anywhere with BB & t, even emailing the CEO. I am seeking a just solution and just want my money back. I have been a BB & T customer for a long time but your history or experience with the company doesn't matter, only whether or not they've given you a refund in 24 months.
Complaint sub-issue: Account status

Equifax is still reporting an account ( XXXX ) on my credit report. XXXX however has removed it as had reached the date for it to be removed from my credit report. I have contact equifax to please send me an updated report and they will not send me one. I also tried to dispute this account online through equifax website and was not able to do so. This account ( XXXX ) is suppose to be removed from my report. Having this still reporting is affecting my credit report.
Complaint sub-issue: Need information about your loan balance or loan terms

I have contacted fedloan multiple times this year requesting documentation of dates and amounts of interest added to my loan since it began. I noticed earlier this year that my amount due had jumped significantly but there is no record of the exact amount added to each loan, when and why. They basically keep telling me to look in my online account even though I keep telling them, the information I am requesting is not available there. It is crazy to me that I have been unable to see an accounting of my loan since it 's origin. Please help. I contacted them in regards to this on XXXX, XXXX, XXXX, XXXX andXX/XX/XXXX and they have still failed to provide documentation of my loan. I have attached a copy of the XX/XX/XXXX andXX/XX/XXXX statements that are available to me online so you can see that my balance jumped by {$910.00} with no explanation.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern, This complaint is regarding my XXXX, Equifax, and XXXX  credit reports. I recently pulled my credit report an noticed some accounts on my credit report that l am unaware of. According to the FCRA Law, they should be removed. The name of the account is XXXX XXXX, XXXX XXXX. This account is an account that I'm totally unaware of.