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

I went into TCF bank in  XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX  XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and XXXX  on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on XXXX. On my XXXX  report, they had said that it was from XXXX XXXX, for the same amount, but different date being XX/XX/XXXX. I called XXXX  and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of XXXX XXXX, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with XXXX XXXX or XXXX XXXX. Also, upon looking at my XXXX  report, I noticed that they had an alias that was associated with my name. I have never had an alias.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've noticed some inquiries on my report that do not belong to me. I did not authorize them and believe these to be fraudulent. Please remove these from my report and add a security alert for my future protection. This is scary and I don't want it to happen again. I'm thankful that there attempt ended in failure.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because credit karma sent me a email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number. Its upsetting that anyone would all these things using my information. These fraudulent items are not mine. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX   XXXX {$4500.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX   XXXX {$6000.00} XXXX XXXX XXXX XXXX {$470.00} XXXX   XXXX {$5500.00} XXXX XXXX {$4500.00} XXXX XXXX XXXX {$57.00} DEPTEDXXXX   XXXX {$1700.00}
Complaint sub-issue: Not given enough info to verify debt

I have asked IC System Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Complaint sub-issue: Information belongs to someone else

I am writing to dispute accounts fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the Equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I received an alert from my credit monitoring service that XXXX XXXX had checked my credit report, resulting in a hard inquiry. I did not request a line of credit or financing with XXXX XXXX, nor did I provide them with my consent, permission or authorization to obtain or view my credit ; ultimately, there was no permissible reason for XXXX XXXX to obtain or view my credit report or information in such a manner. I attempted to contact XXXX XXXX by phone on XX/XX/XXXX, but was unable to speak to a representative regarding my issue. As such, I promptly contacted XXXX XXXX by way of letter and advised of the above, and requested that they remove the incorrect information from my credit report and advise me of their decision in writing. I also filed a dispute with Equifax, who reported the inquiry on my credit report, on XX/XX/XXXX. I advised XXXX  XXXX that I had done so in the dispute letter I mailed to them as a preemptive measure. Equifax responded in writing to my dispute, stating that they verified the information disputed was a factual record and, as such, it would not be removed from my credit report. I received a letter from XXXX XXXX dated XX/XX/XXXX, in response to my correspondence. Therein,  XXXX XXXX blatantly ignored the requests and issues I advised of with respect to the incorrect information on my credit report. The response simply explained the types of credit inquiries that a credit report may contain. On XX/XX/XXXX, I called XXXX XXXX again and spoke with several employees. I was on the phone for more than 1 hour in attempts to resolve the stated issues. I was advised that ( 1 ) XXXX XXXX does not have any credit requests or applications from me or in my name, and after performing several different searches and combinations, they were unable to find any application or reason they would have pulled my credit report for ( 2 ) that they were not able to advise why my credit report was viewed ( 3 ) that I could not speak with anyone else on the phone to resolve my issue. I was advised to contact the credit bureau and to send a written letter, I advised XXXX  XXXX that I had already done both and needed to know how to escalate the issue because the response I received was not satisfactory and that the credit bureau would not remove the information unless XXXX  XXXX advised them to do so. I was instructed to resend the letter I had already sent and was given no information on the next steps available to me on inquiry if resending the letter did not result in resolution of the issues. I contacted Equifax again on XX/XX/XXXX to advise of the conversation I had with XXXX  XXXX and was told again that XXXX  XXXX would have to update their reporting information directly for the false information to be removed. I have opted to file a complaint in hopes of expediting the removal of the incorrect information from my credit report as immediately as possible. 

Please note that I experienced difficulty uploading the letter I mailed to XXXX XXXX. 
Please advise if a copy of same may be submitted via email, fax or regular US mail and I would be happy to provide it.
Complaint sub-issue: Information belongs to someone else

I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed was delivered on XX/XX/XXXX, requesting the fraud accounts be investigated and removed if found to be fraud. I received no response so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyers are getting antsy to get this case. This is my last option for the bureaus to remove the false accounts before I take up my lawyers option and sue.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} MEDICAL ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), CXXXX ( Date Opened : XX/XX/XXXX, Balance : {$110.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$310.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

Equifax has not exercised the grave responsibility with fairness, impartiality or respect for my right to privacy. Equifax added a current employer listed as XXXX to my consumer report, along with my current home address, and personal phone number. I did not give written instructions to Equifax to add my previous employer. I do not feel safe for me or my family. This information being displayed on my consumer report is now public record. That creates a very harsh environment for me because I am constantly uneasy while at home enjoying my family time. I no longer feel safe at home or work. This is making my everyday life extremely hard to deal with. Equifax is not adhering to the federal laws put in place in the FCRA. Furnishing information without my consent has undermined my confidence in their ability to operate with integrity.
Complaint sub-issue: Public record information inaccurate

Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove it.
Complaint sub-issue: Debt was paid

I contacted XXXX in XXXX of XXXX to cancel my services and end my account with them. Im XXXX XXXX military and also provided them with copies of my XXXX Orders in order to effectively terminate my contract early. Up until XXXX of XXXX I received emails about my outstanding balance. All while Im XXXX multiple times and attempting to resolve this. On XX/XX/XXXX, I contacted XXXX and communicated with them about the charges. The representative stated that I paid off the balance that was due in XXXX of XXXX and had a {$0.00} balance following. This is the same month I disconnected my service. In XXXX of XXXX, I receive an email from XXXX stating that my service has been disconnected. In XXXX of XXXX I received an email stating that I had a overdue balance of {$270.00} after services have already been disconnected. In XXXX of XXXX I received an email stating that my account has been disconnected, effective date XX/XX/XXXX, with a balance of {$250.00}, as well as another email on the same date saying my bill is overdue of {$270.00}. XX/XX/XXXX I received another email stating that my overdue bill is now {$740.00}, to include an {$300.00} ETF ( early termination fee ). XXXX of XXXX, a collection account is the reported to my Credit Report.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Equifax to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX  XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please see various incidents in regards to this loan. Credit reports are not showing the correct information. Thus, we are unable to refinance our home.
Complaint sub-issue: Information belongs to someone else

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX XXXX {$97.00} XXXX/XXXX   XXXX {$470.00} SOC SEC ADMIN OFFICE O  XXXX {$23000.00}
Complaint sub-issue: Deposits and withdrawals

Filed taxes on XXXX XXXX IRS sent Verify Identity letter XXXX, XXXX Finally able to get someone on phone to verify XX/XX/2022 When I verifief my identity I explained I have been a victim of identity theft and that I needed to change my information because i no longer had access to the account that my refund was being sent to. 
They let me change from a chaecking account to mailing me a paper check however when i went on the online portal to check the status of my refund it said it was going to be credited to my account on XXXX XXXX. 
I already told them I could no longer access that account but they sent it to that routing and account number. 
I have contacted Cashapp where it was sent to, uploaded all the documents they have asked for, started an investigation on my missing tax refund, spent 15 plus hours on the phone with cash app, just to be told over and over again that i needed to wait 3-5 more days to start an investigation, then that i needed to wait for them to respond to me only by email and have to wait day after day to be updated, just to be told every single time that im not verifying myself and that they cant help me with my claim. 
I have the account and routing number that the money was sent to. Even though i asked cash app to close that account, they did not. i have given them everything they have asked for and explained to them with the XXXX XXXX XXXX that i have and the identtity theft over the last two years that they are not trying to help me at all and using my XXXX to withhold and keep my money from me. i have been callin cash app since the XXXX of XXXX and here it is almost a month later ( in ( in 9 days ) that i havent been able to get any resolution on. The law states that they have to make my money available within 10 days of me starting an investigation and no matter how many times i tell them that and give them all the info they ask for I have nothing, no way to accdess my money, and now am living in my car because cashapp wont let me access the account that was supposed to closed, and becfause the irs did not do what i asked them to do when i verified my identity. I need some help Acct # XXXX Routing # XXXX Thank you
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 U.S.C 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 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. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have unauthorized inquiries on my report that Equifax has blatantly refused to remove and/or investigate. Furthermore, they have ignored all of my letters and/or requests for inaccurate information to be deleted or corrected. This is a blatant violation of the FCRA. I have sent letters, I have sent letters and I have emailed. Each time I've attached copies of an FTC report and copy of FCRA 605 b. And yet, the unauthorized inquiries remain with zero response from Equifax. 
Furthermore, they continue to report a legally unverifiable bankruptcy in which I've sent letters from Courthouse and XXXX that state they neither report nor do they verify bankruptcies. Per the FCRA, if an item can not be verified by the original creditor it is to be deleted. 
These are at least two violations of the FCRA in which I'm allowed to demand {$1000.00} for each violation. 
I've been trying to resolve these issues with Equifax since XX/XX/2021. That is more than enough time and still Equifax had not done anything.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019, DISCOVER BANK add a hard inquiriy on my credit report per XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX year XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XX/XX/XXXX