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

I first contacted Equifax on or about XX/XX/2018 about an incorrect address on my credit report that caused incorrect information being sent out about me. I later determined that Equifax had me and my daughter mixed up. This caused my daughter 's information to be associated with my social security number. In the weeks that followed they refused to change anything because they claimed to have credit information from a local bank to prove what they had was correct. They would not show me that information but I determined it came from me co-signing for a loan for my daughter. They have made a mistake and will not correct it. Also they will not send me a copy of the credit report they have on file.
Complaint sub-issue: Reporting company used your report improperly

I did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4XXXX / XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

This collection agency is fraudulent reporting this collection to my credit bureaus
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

i checked my credit report today and i found out that Equifax is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. 
i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. 
i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.
Complaint sub-issue: Investigation took more than 30 days

XXXX, Equifax and XXXX deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested that the three major credit reporting agencies Equifax, XXXX and XXXX verify all information and entries on credit report file that I have disputed in whole. These reporting agencies never conduct a proper investigation into disputes. Per the FCRA and citing from XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX  ) case law, it is their obligation to fully investigate all disputes in full. Failure to do so properly shall result in information deleted from credit file.
Complaint sub-issue: Information belongs to someone else

I would like to dispute some items on my credit report because I am a victim of identity theft and did not make the charges. Please blocked these items to correct my credit report. Enclosed are copies of the report of identity theft supporting my position. Please investigate this matter and block the disputed accounts as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with with the fair credit reporting act and account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A 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 instruction.
Complaint sub-issue: Account information incorrect

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for validation of debt for the attached accounts. I have not been provided the original contracts nor any document stating these account are mine and should have been sold.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX XXXX TX Acct # XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX ... XXXX  XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$7500.00} XXXX XXXX  XXXX {$100.00}
Complaint sub-issue: Information belongs to someone else

I found the accounts on my credit report I never opens those accounts are fraudulent accounts
Complaint sub-issue: Account information incorrect

Per my credit score on XXXX as of XX/XX/2022, my Sallie Mae has a balance of {$2700.00}, and Sallie Mae reported that as of XX/XX/2022. 
However, per SALLIE MAE statement, my balance is {$1800.00}.
Complaint sub-issue: Threatened to sue you for very old debt

The company called my mother and told her that I was going to go to jail if I did not get in touch with XXXX XXXX XXXX. Also, and address was needed to serve my paperwork for court. She gave the company my address and told them a time that I would be home so the said company can serve me some type of paperwork. The address listed on the paperwork is mine however, it was received by a neighbor of my mother. After, knowing my address. The neighbor daughter gave me this information a week after someone gave it to her father. The information provided has inconsistencies and multiple addresses. The paperwork that was given did not come in an envelope with a return address. A letter about debt repayment options was mailed to my mother house as well after my address was given.
Complaint sub-issue: Debt was result of identity theft

Instaloans also XXXX XXXX XXXX never stayed in Georgia I was in XXXX and for many years I have been a victim of identity theft please help
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard inquiries from XXXX XX/XX/2019 its XXXX hard inquiries in total with equifax XXXX have tried to get it removed I reached out and no one willing to help me solve my issue
Complaint sub-issue: Account information incorrect

I have tried to dispute two items with XXXX, and the credit reporting agency steadfastly refuses to update their records to reflect what is in my XXXX report. If they dont comply and soon, then I feel at this point the only option left for me is to pursue a remedy in either small claims court or through the federal court system. 

The two items in dispute are an account from a company named XXXX  back in 2012 which is no longer in business as I understand it and a student loan from XXXX ( a private company ). The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX  XXXX. XXXX continuously reported the loans late on my credit even though they never were.
Complaint sub-issue: Problem with personal statement of dispute

I wrote alot and it got erased please call me so I can explain. Omg I can't believe this. 
Has to do with XXXX XXXX XXXXalot of info need to be reported. Financial advisor got fired for money laundering and someone else got money back father was a cop. I reported to school I reported to credit bureau and they basically said it wasn't their problem no investigation. I now have proof and need to talk to someone to much o write. 
XXXX  XXXX  account fraud and somehow turned into credit card Dept on card that had been closed way before fraud happened on account that I reported and didn't get money back that was used fraudulently and was made to owe. Can't open bank account and messed up credit. 

I was on a XXXX XXXX  account. I took my name off because other people where making account negative. Somehow later when I tried to get a bank account I found out my social security number was left on there. So I had to fix before I could get an account. Credit was messed up from this issue I'm sure too. 
Credit report shows alot of things I don't agree with I have disputed some a while back and was just blown off. No investigation was done with any of them I don't believe.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020 I received a call from my Citibank ( XXXX XXXX Branch ) relationship manager Mr. XXXX XXXX that there were some KYC questions that he wanted me to answer. 

I answered those questions and Mr. XXXX informed me that the would make the necessary changes at his end. 

Later on XX/XX/2020 I tried to make a withdrawal from my Checking account with Citibank using my ATM/Debit Card but was denied. I contacted Customer Service at Citibank and learned that a " Block '' had been put on my account by Mr. XXXX. The customer service agent informed me that they had sent Mr. XXXX an email about this. 

On XX/XX/2020 in the morning, Mr. XXXX called me to let me know that he would have the " Block '' removed by the end of the day. In the evening, however, when I tried making a withdrawal, I was once again denied. I was also informed by a vendor that a check I had issued to them last week had been returned. 

The following are the bank 's details : Citibank XXXX XXXX Branch XXXX XXXX XXXX XXXX XXXX, NY XXXX Relationship Manager : Mr. XXXX XXXX Tel : XXXX
Complaint sub-issue: Debt is not yours

XXXX  is saying that on  XXXX   XXXX ,   XXXX   I transfered my account to another carrier. I have not. I have been a  XXXX  customer for many years. I have asked for signed documentation stating that I transferred to another carrier. To date, I have not received a response from  XXXX  or ERC regarding this issue that has been placed on my credit report. My account is now in collections with ERC  XXXX   XXXX   XXXX   XXXX , FL for {$100.00}. I have sent all paid statements in which my bill was paid to  XXXX  each month for the year of   XXXX   showing full payment due each month.
Complaint sub-issue: Account terms

I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called XXXX XXXX XXXX. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. XXXX XXXX XXXX added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by XXXX XXXX XXXX incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XX/XX/XXXX and somehow XXXX is reporting late payments from XX/XX/XXXX-XX/XX/XXXX and I did not even have this account during this time ; please remove late payment history from this account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX my husband, XXXX XXXX XXXX, passed away in an accident and we had insurance on our vehicle, a XXXX XXXX XXXX. The insurance company, XXXX XXXX XXXX, paid the full balance of the loan directly to Ally Financial in XX/XX/2019. Ally confirmed the loan was paid in full via phone call on XX/XX/19. They advised during the call the loan would be removed from my credit report within 60 days showing paid in full. In XX/XX/XXXX, my cousin emailed them because the loan was still on my credit. I received no response she. Then, again on XX/XX/XXXX my cousin emailed them and still no response. I went to apply for a home mortgage and they informed me the Ally auto loan still shows on my credit as open now almost 6 months later. When I attempt to call Ally deceased accounts, I am hold for over 1 hour without anyone picking up ( XX/XX/XXXX ). I just want them to properly report my account so I can properly handle the passing of my husband. I hope this message can help me get this corrected. The XXXX  insurance company was great and the information on their claim is XXXX. The Ally account that should be showing as paid in full is XXXX. The emails are available, please let me know if you need them Thank you
Complaint sub-issue: Debt was result of identity theft

Avail Blue deposited {$400.00} into my XXXX bank account on XX/XX/22 and they said that I applied for a loan with them. I told them that I never applied for a loan with them. They have all my personal info including my SSN, my address, my employer, my driver license number and my banking info which enabled them to deposit the funds. After a lot of back and forth that I never applied for a loan, I asked for the XXXX address they have on record from where the online loan application was made. I XXXX it and it's somewhere in XXXX XXXX. Avail Blue instructed me to have my bank reverse the funds and I did. The funds was taken out from my acct on XX/XX/22. XXXX actually told me that Avail Blue could have done it themselves since it's evident they have my bank info. I reported the matter to the FTC. Many calls still from Avail Blue as they claim the funds have not been returned. We did a XXXX call with XXXX and XXXX said it may take 45 days. Meanwhile, Avail Blue has been emailing and calling about payment due. I called Avail Blue on XX/XX/22 to tell tell them to stop emailing or calling me and that it wasn't my loan and it has already been reversed by my bank. They said that they will not stop collection efforts until they get the funds. The person I spoke with is XXXX who said she was from XXXX. The other Avail Blue staff I have spoken with in the past was XXXX who we did the XXXX call with XXXX XXXX and who was provided a case number by XXXX. I called FTC also on XX/XX/22 to seek advice and person I spoke with suggested that I file with Consumer Finance Protection Bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Complaint sub-issue: Account status incorrect

I tried to run my credit to buy a house found out that I have a medical collection shown on Equafix which I dont have any medical collections. Have contacted Equafix but unfortunately after I gave them all my details they said they couldnt access my account so they wont be able to help me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

CFPB Should NOTE this is my 4th COMPLAINT AGAINST US BANK CARD MEMBER SERVICES IN THE PAST XXXX Months. 

Two Disputes were filed with US Bank for Debit Card XXXX for services paid for in advance that were not received. 

1. {$940.00} XXXX XXXX XXXX  XXXX XXXX paid for and NEVER RECEIVED - dispute filed XX/XX/22 XXXX. {$770.00} XXXX XXXX XXXX XXXX XXXX paid for and NEVER RECEIVED - dispute filed XX/XX/22 I received provisional credits for both {$940.00}, {$770.00} on XX/XX/22. 

On XX/XX/22 the Provisional Credit for {$770.00} was reversed without any prior notice being sent. 

On XX/XX/22 the Provisional Credit for {$940.00} was reversed without any prior notice being sent. 

On XX/XX/22 I Called the Card Member Services Department to find out why the Provisional Credit were reversed and was told that they were DENIED but no reason was given. 

on XX/XX/22 on the same call I asked the investigation reports be sent to my business address, I verified the correct address and asked that a new claim be opened for both charges, {$940.00}, {$770.00} as I have never received any services for which were paid for in advance. 

Today I tried calling to get an update on these and was transferred 5 times to 5 different departments. 

To date I have received nothing from US Bank in regards to my original disputes, the information requests, and additional filings. 

I demand the return of my money {$940.00} and {$770.00} since I have never received any services for which I paid for.
Complaint sub-issue: Their investigation did not fix an error on your report

I have entered into an agreement with the creditors. I have maintained my part of the agreement and the credit bureaus refused to update the information on their system. Eventhough i sent them a copy of the agreement and the payment histories
Complaint sub-issue: Account information incorrect

in XXXX 2017 discover card reported my payment 30 late, ,i have never been late on my payment, never there must be something wrong on their end i pay electronically online
Complaint sub-issue: Was not notified of investigation status or results

The three Bureaus continue to report medical accounts and have not yet provided me with any proof with my signature that shows this is an account I should be liable for. Please assist with removing this as I will seek legal advice.
Complaint sub-issue: Information belongs to someone else

I am currently a victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX has been filed XX/XX/2019, they did not comply within 5-7 business days according to federal law.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

They only way I'm allowed to freeze my reporting from Datax is by traditional mail in which I expressed with Datax that due to my dire financial hardship at the present moment I cant afford the cost of mailing my information regarding copies of social security number and Identification. Asked was their any other way in which to send it via fax or email or phone number and they stated Unfortunately they can not. How does the consumer lay at the mercy of companies they were never told of or had any knowledge of entities obtaining and selling our data? I NEED MY DATAX EQUIFAX ACCOUNT FROZE IMMEDIATELY.