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

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the fu
rnisher ( s ) of that information.
Complaint sub-issue: Need information about your loan balance or loan terms

I received an email from MOHELA stating that the processing of my student loan forgiveness forms is being delayed. I was told to sign in to receive information ; however, when I attempt to sign in, I am told that they have no record of my accounts, so I need to register with a new account. When I attempt to register with a new account, I am told that they already have someone under my ssn. I tried to call and was hung up on several times by the automatic system. My loan was transferred on XX/XX/XXXX and I very close to loan forgiveness and now I am getting the run around by this company.
Complaint sub-issue: Their investigation did not fix an error on your report

Each bureau is responsible for ensuring that they are accurately reporting info on my credit report. Ive reached out to equifax previously and informed them that the account from child support doesnt belong to me. I even sent a letter to the address equifax is reporting is not EVEN FOR CHILDSUPPORT ITS FOR AN AGRICULTURAL COMPANY in XXXX. So anytime equifax has said theyve verified information as account theyve clearly been lying because the contact info equifax has for me to reach out is WRONG!!! Ive attached a copy of my credit report along with they letter I sent out to child support trying to get this removed from my credit because equifax is reporting inaccurate info Ive also attached a copy of my Id and social and any other info so that equifax doesnt lie and say they cant find me in systems
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish in account without my written instructions. 

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan is late for any purpose.
Complaint sub-issue: Problem accessing account

Setting up an account with XXXX for shipping purposes and PNC will not allow me to link my bank account to XXXX XXXX
Complaint sub-issue: Account status incorrect

This is 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 removal of the inaccurate information about my inquiry has not been given any attention by Equifax Credit Bureau. Sending them a Complaint dated XX/XX/XXXX and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply 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. Here is the list of the following Inquiry that needs to remove Completed from my Credit Report. 
XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Indicated you were committing crime by not paying debt

I have already sent a cease and desist letter, along with debt validation letter to NFM Lending and they continue to send me letters. They did not send me all the information requested to validate the debt and I am now sending a RESPA qualified written request in hopes of gaining COMPLETE clarification of the account # XXXX. Attached is the qualified written request. Letter sent XX/XX/2021.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are failing to report correctly the positive items on my credit report. ( Please see the attached spreadsheet of accounts and account numbers of tradeline items which need to report all months, not just some months, of payment history. ) I have also attached a copy of my credit report for reference. By failing to report positive credit history is hurting my credit score. Please update these accounts to report accurate information.
Complaint sub-issue: Investigation took more than 30 days

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 I gave my card to pay for a car ride from the airport to a hotel in XXXX XXXX. The price was {$100.00} ( USD ) and I received a receipt for that amount. Then I saw that I was charged for {$750.00}. I called Citi Visa immediately on the same day, when the charge was still pending, they recommended filing a dispute for the extra {$650.00} and not saying this was fraud, and this is what I did. The charge posted anyway and then the dispute failed, I reopened the dispute and it failed again, it's not clear to me why it failed. I did send the receipt in the initial dispute and when reopening. 
The background for this transaction, as I told Citi Visa, was that I had a scheduled ride from the airport to the hotel, and I was scammed, unfortunately. The scammers made me believe they work for the company I scheduled the ride with, and the only way I could get to the hotel is by paying {$100.00} for another ride which later will be reimbursed by the company. I did not ask Citi Visa for those {$100.00} even though it was fraud. I only asked for the extra {$650.00} because when I use my card to pay {$100.00} I expect to be charged exactly that, and not more.

I was very surprised that Citi Visa did not refund me for the extra charge, and that they let the pending charge pass after I said that the amount was wrong. 
When Citi Visa declined the dispute they sent me a paper that looked like a receipt with a single curved line that maybe they think is my signature, clearly this is a paper I never saw and definitely I did not sign it, and it is not at all similar to my signature. I am not sure why they sent me this pic at all. 
Their main, or only, explanation for declining the dispute was that they couldn't get the money back from the merchant, which is not a good reason, they should have never paid that money to the merchant. 
I never contacted the merchant directly because the phone number they gave me was the phone number of the real company I used to book the original car ride. I did contact that number and they told me that they never directed me to another car ride, which is why I realized I was scammed. I could never contact the scammers directly. 
Thank you.
Complaint sub-issue: Public record information inaccurate

I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Complaint sub-issue: Reporting company used your report improperly

Equifax had a major breach that exposed my credit information in addition to over 143 million US consumers.
Complaint sub-issue: Account information incorrect

There is info with a accounts that are inconsistent across all CRA 's with a couple of accounts including starting dates and past balance due.
Complaint sub-issue: Fraudulent loan

1. VW CREDIT INC with ACCT # XXXXXXXX opened on XX/XX/2016 with a credit limit of {$13000.00} -This is not my account.
Complaint sub-issue: Account status incorrect

On my EQUIFAX credit report. The account is showing a REPO status. The car was traded in to purchase another car with a different car dealership. I was not in possession of the car when it was repo 'd from the other car dealership, my fees and everything were paid on time and in full. Please update my account to paid as agreed and not a REPO.
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX, I received a letter from US Bank stating that due to low activity my checking account was going to be placed in inactive status. This letter has been the only communication I received from this bank for this account in the last 2 years. I called the number provided to find out more information. 

I found out that the bank has been taking out a maintenance fee of {$24.00} every month since XX/XX/XXXX without my knowing. I have not received any emails from them on the change and I have not received any paper statements. 

Too date, they have taken out XXXX fees for a total of {$440.00} without XXXX word of communication from them. 

When I called them, were unwilling to reverse the fees. It is completely unfair that they would take out maintenance fees and not send me any information about it. Again, I have received XXXX communication about this account at all- until this XXXX letter. 

This is unfair banking practices and unethical. 
I am asking for a return of the fees taken out.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried on multiple occasions tried to have hard inquiries that where unauthorized removed from the reporting credit bureaus. I have sent letters, called, and everything Im not sure what else to do its making it hard to obtain credit. I have copies of the letters if needed.
Complaint sub-issue: Account information incorrect

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Complaint sub-issue: Other problem getting your report or credit score

I've filed several complaints with Equifax customer care, most recently ( XXXX ). I have been unable to login to my www.myequifax.com account for several months. I have sent certified mail, made phone calls, sent emails and have not gotten a resolution. I am repeatedly told that they are " refreshing their servers '' and when I ask to speak with a supervisor they state one will call me in " 24-48 hours '' but none have ever called back. All of the direct toll free numbers go to overseas foreigners that read from a script and have no idea how to help you. My username is my XXXX, I know my password, I am able to reset it. I've reset my browser history, cache, cookies, network settings and so on to no avail. I've tried on different computers, such as but not limited to, the public library. 

I need access to my account as I am an ongoing victim of identity theft.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Non-sufficient funds and associated fees

The all cash app transfer my money to cash app
Complaint sub-issue: Non-sufficient funds and associated fees

My aunt went into the hospital due to a major XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX a fraudulent check was written and cashed in her name for {$38000.00}. Once this was discovered by my aunt through her monthly checking statement she followed all of the protocols required by the bank to have the money reimbursed. On XXXX, XXXX, XXXX PNC Bank reimbursed {$28000.00} of the stolen money. As of this date, XX/XX/XXXX the remaining {$10000.00} has yet to be put back into the account. My aunt passed on XX/XX/XXXX without this being resolved. She put me on her checking account before she passed. I am now taking care of the bills for her home and attempting to get the process started to become executor of her estate which this money would allow me to cover the court filing fees which I can not currently afford. This money is important to me moving forward with handling the business I need to take care of. My most recent correspondence with this situation has been with a follow up call from their fraud investigator saying that their back office was looking into the matter on XX/XX/XXXX. I only receive follow up calls once I take the initiative to reach out to them. I need this money put back into the account immediately.
Complaint sub-issue: Debt was result of identity theft

In 2020 I called AT & T to get service for my new apartment on a recorded line and was informed that I already had an account with them. I inquired as to when, where, what and how. The representative informed me that the address was an apartment on XXXX XXXX XXXX ( that I was not associated with ). I informed them that I never resided there and wanted the service terminated. I requested to speak with a manager to ask how they allowed someone to open an account and get service installed without my knowledge or consent. I was told that there was nothing that could be done. 

Now today I received a notification that I owe {$2500.00} for that fraudulent account. I would like this debt cancelled and not reported to my credit report as this was identity theft and can be confirmed by listening to the recorded call with AT & T.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Corelogic Credco did not have my authorization to pull my credit report. The inquiry made by Corelogic Credco on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.
Complaint sub-issue: Used obscene, profane, or other abusive language

ASG is a collection agency and they contacted me for a debt from XXXX XXXX. I had already sent XXXX a letter to cease and desist. 
I received this call from XXXX XXXX of the collection agency. He was asking me questions really fast but would n't let me answer. As I was asking him to not call me again at work and that I had an attorney, he said what kind? I said a bankruptcy attorney. He then started accusing me of filing falsely for bankruptcy and paying my attorney with the funds. I could n't get a work back in. He then said, thanks for saying all of this on a recorded line and hung up.
Complaint sub-issue: Problem with statement of dispute

I had a bankruptcy over 7 years ago. All other reporting agencies have removed it from my report. Equifax continues to carry it. There response was that it stays on for 10 years. Nowhere have I read that a personal bankruptcy stays on for 10 years. Why are they the only ones that continue to want to ruin my life. I 've paid for my mistakes and am trying to move forward but they refuse to let my past go. 7 years is n't enough ...
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized credit inquiries and collections incorrectly reported on credit report. I have requested the incorrect information be deleted. 
XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE XXXXL XX/XX/XXXX XXXX - CARD SERVICE XX/XX/XXXX XXXX - CARD SERVICE XX/XX/XXXX XXXX - CARD SERVICE XX/XX/XXXX XXXX - CARD SERVICE Apr XXXX, XXXX XXXX  - CARD SERVICE XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

Debt reported is not mines. Account not verified.
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 Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the FCRA Sections 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX BANK XXXX
Complaint sub-issue: Debt is not yours

Enhance Recovery Company has placed a collection on my credit profile claiming that I owe {$960.00} to XXXX. I have NEVER had services with XXXX. I recently had them remove another debt that didn't belong to me in the amount of {$130.00} that was also allegedly owed to XXXX. I don't understand why they'd just add another collection in an even higher amount. Please remove this erroneous collection immediately.
Complaint sub-issue: Public record information inaccurate

RE : Bankruptcy File XXXX Request to have this information removed from credit file. 
Reported XX/XX/XXXX Dear Sir/Madam, I believe the reporting of this account has expired. This bankruptcy was filed as a result of the illness of my spouse who has since died. At that time we had no insurance. 
I have requested in writing to all credit reporting agencies in writing, letters dated XX/XX/XXXX.
Complaint sub-issue: Information is not mine

I have an account that appred on my credit report XXXX XXXX marketing this is not my account have no knowledge of this
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX
Complaint sub-issue: Received bad information about my loan

My student loan was through XXXX. At some point servicing was transferred to American Education Services XXXX AES ). I have never received a statement or bill for payment from AES. Approx 4 weeks ago, my wife as co-signer received a letter from AES indicating payment on the loan was past due. On that letter my name was listed but the address for me was in XXXX. I live in XXXX. I have never been to XXXX nor do I have any association with anyone in XXXX. AES was contacted. I was told that the information they had received from XXXX was incorrect and they had been sending my statements to the XXXX address. I was told everything would be fixed. Within approximately one week, I received a letter from AES indicating my loan was in deferment. On XXXX/XXXX/15, I received a letter from a collection agency " XXXX XXXX '' indicating that I had failed to make payments and the loan was at risk of charge off. I contacted XXXX and was told that my loan was 99 days overdue with charges accruing. I have never received a statement from AES indicating payment was due. In my phone conversation with AES approx 3-4 weeks ago, I was never informed there was a problem with payment. The letter sent to my wife indicating the payment was overdue was based on a loan associated with the individual in XXXX with a different social security number and address. Since the loan is showing past due it has affected my credit score as AES reported 30, 60, and 90 day lates.