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

I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that XXXX  and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. ACCOUNTS : Account Name : PROCOLLECT , INC Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX   XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX  XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX {$8000.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax XXXX XXXX and XXXX  are reporting the XXXX XXXX partial account number XXXX in error. ( Please see page attached from my credit report. ) I have fought this with the bureaus and they can not continue to report. These accounts are over ( 7 ) years old and continuing to report this is a violation of the Fair Credit Reporting Act. I request that these line items be removed from my credit report. I have continually contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All hard inquiries on my credit profile are fraud and I dont recognize. Please dispute all hard inquiries to validate permissible purpose.
Complaint sub-issue: Information belongs to someone else

I am writing because some wrong account in credit report is not belong to me. Some personal info was stolen and used. I am requiring to remove this fraud items from credit report. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Complaint sub-issue: Account status

I paid off all my credit cards and car loan and my credit score still has all full balances and has not updated since XX/XX/XXXX. This is keeping me from qualifying for a home loan. Can someone please help me on getting my credit updated?!
Complaint sub-issue: Account status incorrect

According to XXXX I have 7 late payments for my student loans accounts open back in XXXX. It was reported on my credit as late payments when I was actually in forbearance on my loans for the year and months the late payment was reported. As of XXXX my loans are deferred because I am still currently in school. I called both the department of education and AES and opened up disputes for inaccurately reporting those late payments. Both loan servicing companies informed me that this sometimes happen because the forbearance take a while from the time its issued from the time its reported resulting in a late payment status which is drastically affecting my credit score.
Complaint sub-issue: Problem with personal statement of dispute

In XXXX XXXX XXXX a 30 day late was reported to credit bureaus. This was a one time hardship and asking for forgiveness however no one willing to help me. I am a first time home buyer and trying to buy a home.
Complaint sub-issue: Account status incorrect

A mortgage account that I had with US Bank was closed and paid in full back in XX/XX/XXXX. Due to divorce proceedings, there was a foreclosure at this time. US Bank continues to list this account as foreclosed in XX/XX/XXXX which is completely wrong and has been negatively affecting my FICO score drastically, thus, affecting my rates on insurance and other loans costing me money. I have contacted US Bank several times, yet they refused to correct the error.
Complaint sub-issue: Problem with fees

I applied for and received a Home Depot credit card at a store for the purpose of getting a discount. I was never sent the physical card and I don't have one. I tried to pay online the day after I'd made the purchase but I needed the card to set up an account. I tried again a few days later and had the same problem. I forgot about the matter until I got a text telling me my payment was late. My balance had doubled. I thought I paid the entire thing off that day, but apparently there's more because I got an email saying my payment is late. However, when I clicked on the payment option it required that I have my car in order to pay. There is no " contact us '' option, and there were no phone numbers available at the bottom of the page. Just something saying " additional numbers '' but no link or phone numbers. I just want to be done with this account.
Complaint sub-issue: Didn't receive terms that were advertised

Terms of opening account were {$200.00} for making XXXX bill payments. Never received, company representatives have told me I should have received it already.
Complaint sub-issue: Information belongs to someone else

It appears that 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 Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX 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: Credit inquiries on your report that you don't recognize

( DISPUTE CODE - XXXX ) My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

There is a wrong hard inquiry on my Equifax score ... unauthorized hard inquiry ( XXXX XXXX on XX/XX/2019 ) ... result of ID theft.
Complaint sub-issue: Funds not handled or disbursed as instructed

My father XXXX XXXX XX/XX/XXXX. on XX/XX/XXXX myself and a financial advisor began contacting the different bank and financial institutions in which my father had made Investments. I am the executor of the will and the sole beneficiary I have contacted all the different investment concerns and they have complied. With the exception of US Bank we have contacted US Bank numerous numbers of times talk to 25 or 30 different people of which no one seems to know about the other we were told to submit XXXX XXXX along with other papers which we complied twice overnighting and receiving signatures and faxing yet no one could find the paperwork now we have finally found that we have to deal with the branch in which the account was open but they are telling me that I have to drive to Colorado as I live in Kansas to get a letter of XXXX. I am dismayed at the way they have treated me and the way they have handled the situation that a man who has lost his father has been able to close out all other accounts totaling substantially more that this US bank account. Yet US Bank requires something more for the small amount in my father 's account that has been left to me the beneficiary and they are saying that I have to drive to Colorado go to the courts to get this letter in order to extract the money into the executor account in order to fulfill my father 's requests concerning the money that he left behind
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I received an email from a Company pretending to be associated with XXXX XXXX. They said I received an award. It was a fraudulent enticement to purchase on a recurring charge a product. I learned from Citibank I had only 14 days to cancel the recurring charge. I was out of the country so was unable to access the information to stop the charge. The small print was not legible and I was not aware that it was a recurring charge. Besides I was confident that since I had a virtual account number from CitiBank, they would only charge me one time, for XXXX. I was shocked that they were able to use that virtual account number 2 times as you can see on my credit card statements from 2 different months. XXXX from Citi disputes said it was the same transaction. I differ with that as it was charged at 2 separate times.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE NEW UPDATED INFORMATION!!!!!!! 
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system.

Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$370.00} XXXX XXXXXXXX {$46000.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6800.00}
Complaint sub-issue: Public record information inaccurate

I submitted a dispute to Equifax on  XXXX   XXXX ,  2017    to have an incorrect and unverified bankruptcy that is on my credit report removed. I have disputed this inaccurate information that is on my Equifax credit report time and time again. It can not be verified, it is not my account and is inaccurate. It is now pass the 30 day mark for investigation disputes and pass 45 days. I demand that Equifax remove this record from my report immediately.
Complaint sub-issue: Can't close your account

My card is Citibank Credit Card, which is currently no more with me as I disposed the card. The sales person come to me was not understanding English and so I asked him to give me back the documents or else arrange call from office before processing my documents. However the card was activated without any verification with me. On XX/XX/XXXX, while trying to update my XXXX details, I was facing problems to login my account stating my credentials entering are wrong. Hence on the same day I sent a mail to XXXX to resolve the issue and to close my a/c. No response I received. Subsequently I called to customer care and paid my dues completely. After completely paid my dues I called to customer care and requested to close/deactivate my card as I dont want to continue. They confirmed over phone its deactivated. This confirmation over phone I had taken two three times as I was no mail ids to contact. Even my previous mail Id was unanswered. Post that this year in XX/XX/XXXX onward suddenly I started to get messages in dues to be paid. I contacted customer care. The executive who attended my call insulted me saying there is no such card in their records. Now the due amount is increasing day by day and I am getting messages regularly nowadays which is an integrity issue on my credibility. Now I am not ready to pay even a single rupee to them as I had mailed and informed over phone that I wont be liable for any charges arising out of this card as I got closure/deactivation confirmation of that card. Hence I want to stop this message sending to me and wants to close the entire relationship with Citibank credit card group w.r.t. this card
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 usc 1681.

Equifax is a govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed According to 15 usc 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 
Accounts number XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX I had 9 accounts through Nelnet that hit my credit report. Reporting late I had no idea that payments were due because my accounts were in deference status. Usually there is an upcoming date to remind you of payment through email. I did not get reached through email or valid address. I called immediately once I found out and they didnt see that they tried to reach me by email either for a reminder. Instead they went off public records which was incorrect due to me having identity theft in XXXX were someone obtained my information and opened multiple accounts and attached mailing information to a PO Box . Ive contacted Nelnet multiple times to see about getting the late payments removed. Ive even tried to work out payment plan if late payments could be removed. They had no way of contacting me and instead of apologizing for the inconvenience the representative basically said its my problem and it will not be removed. I had no recollection of this being late and it is impacting my credit very negative especially with me being in the process of trying to purchase a home. I can not do anything with 9 accounts showing late and its the same lender very unfair! Especially because they are not offering any type of assistance.
Complaint sub-issue: Billing problem

Flagship Credit of Pennsylvania violates consumer finance laws by falsifying information to purposely create a default on the loan they also document one thing after having done another they have Representatives who tell the customer one thing only to have another customer turn around and tell something different they prolong the process for contact when the customer tries to remedy a problem that corporate Representatives such as XXXX XXXX and the CEO have no contact other Representatives that I tried to reach like XXXX XXXX and XXXX XXXX were not in a XXXX XXXX XXXX falsified the process documented false information retaliated... Customer has been trying for over two and a half months to reach a viable representative to give a clear answer concerning covid related issues which cause problems for payment the problem could have been taken care of right away but a flagship prolonged the process for months only to penalize me for the problems the delay caused..
Complaint sub-issue: Their investigation did not fix an error on your report

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem

I PUT {$6500.00} USD ON A XXXX  DEBIT CARD THROUGH CRYPTO.COM. THE DEBIT CARD DIDN'T WORK SO THEY CANCELED IT AND ISSUED ME ANOTHER CARD. IN THE PROCESS THEY LOST MY {$6500.00} AFTER SEVERAL ATTEMPTS TO CONTACT THEM IN 30 DAYS, I CAN NOT GET A RESPONSE FROM THEM. I WAS GOING TO USE THIS MONEY FOR MY WEDDING AND CHILDREN. NOW I HAVE NOTHING FOR MY WEDDING AND CHILDREN AND WANT COMPENSATION PLUS MY MONEY AND STAKED REWARDS BACK. THIS COMPANY TOOK {$6500.00} USD FROM ME AND REFUSES TO FIX OR DISCUSS THE ISSUE.