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

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


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Complaint sub-issue: Their investigation did not fix an error on your report

The series of request letters that have been sent to Equifax has resulted in zero success. All letters have been mailed with copies of my ID and Social Security Card for verification. Ive sent a letter on XX/XX/2020 via certified mail and in my dispute letter, I've demanded to be sent copies of the original documents ( with my signature on them ) showing that the account on my credit report belongs to me. However, in the result of that investigation, they stated that they verified that the account belongs to me and is reporting accurately but they have not met my demands by providing me with the original documents nor did they provide me with the names, addresses, and phone numbers of those contacted. 

Following this, on XX/XX/XXXX I sent a Method of Verification Request letter via certified mail regarding their response. I had addressed FCRA 611 ( a ) ( 6 ) ( b ( iii ), which provides that a consumer may request a  description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, Ive asked that they provide the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
4. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

However, as a result, they have concluded the reinvestigation by stating that they have verified that the account belongs to me and is reporting accurately without providing me with the methods of verification ; names, addresses, and phone numbers of those contacted, or a copy of the original documents with my signature on them. It is clear that this is an automated response or e-Oscar verification method, which is unacceptable. I just dont understand how XXXX has removed the account from my credit report while Equifax refuses to even follow the simplest demands. Due to the information that I have and the frustrating process, I hope to resolve this issue effectively and efficiently.
Complaint sub-issue: Reporting company used your report improperly

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Consumer disputes this account information Medical Subject has not satisfied debt XXXX, XXXX, XXXX } XXXX - - - - - - XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
"
Complaint sub-issue: Problem with fees

I used to hold a credit card with XXXX via XXXX XXXX. At some point I received notification that Citibank had received the relationship with XXXX, and I was sent a credit card in the mail via XXXX. I never activated my account with CitiBank. 

At some point, XXXX placed an annual membership fee on a credit card account that I had never activated. 

As I was unaware of the charge, Citi began charging interest and late fees on this recurring charge. 

I received notification in XXXX of this year that my account would be charged off if I did n't make minimum payments by XXXX. I logged onto the system and paid the minimum payment. At this point, I also attempted to get card member terms and conditions that would show me how a charge could be placed on an account that was never activated. The only way that Citi could share with me the terms and conditions of this credit card is to send me a hard copy in the mail. I have also asked multiple customer service representatives to communicate the date this account was activated, and none have been able to give me this information. One customer service representative told me this would have been automatic when I received the CitiBank card in the mail based on my previous relationship with American Express. Another told me they could not tell me the date my account was activated due to " security reasons. '' To re-state : -I had an automatic charge placed on an account that I never opened. 
-The only charge on this account is this recurring fee. 
-Citbank has been charging me interest and late fees on this charge. 
-No one at Citibank can tell me when I started this account ; in fact I need to call a special number to discuss -No one at Citibank can share the terms and conditions of my account, and these are also not available on my online portal ; I have requested hard copy versions of my card member agreement twice in the past month.
Complaint sub-issue: Information is not mine

It seems that I am going to need to speak with an attorney in regards to the fact that XXXX XXXX and Equifax will not remove this account that is fraudulently on my credit file. I 've already make 2 complaints with your organization and nothing is being done to assist me. Here is my 4th letter to Equifax and the office of the attorney general : This letter is being sent to both parties : the office of the Attorney General as well as Equifax Information Services. This is now my 4th letter in regards to accounts resulting from identity theft reporting on my credit file and although XXXX of the accounts has been removed, this XXXX XXXX XXXX account # XXXX remains. I still have not heard back from the AG 's office and I continue to receive letters from Equifax stating that this information has been verified. 
I will make this very clear : # 1 I did NOT apply for, open, obtain, maintain, make payments on an account with XXXX XXXX XXXX # 2 I am a victim of ID theft # 3 I do not have a vehicle with this company # 4 My name is NOT XXXX XXXX. My name is : XXXX XXXX XXXX XXXX and that is how all of my debit and credit cards state # 5 XXXX XXXX states that the person making payments has the name of XXXX XXXX listed on the payment card and there are XXXX people with the same name - it was NOT ME # 6 I already stated that I do n't care if this vehicle, that I do n't have, is repossessed, if an APB is placed on this vehicle : I do n't have it, I never had it, I did n't apply for it, I have n't been making payments on it and the person who obtained this loan had my identification and other documents. 
# 7 I requested the documentation verifying this account as mine and I received nothing - in XXXX V XXXX, 1997, it states that if XXXX had acquired the actual documentation for the account and had done a handwriting analysis that they would have known that the consumer did not open the account. Congress also rejected what TransUnion stated when they said that the burden lies on the consumer to deal with the issue. 

This is not my job - this is YOUR job and you 're doing nothing to assist me! This is why the FCRA was enacted in the first place - because of the ABUSE by the CRA 's! 

Please block these within 4 business days under FCRA 605B and provide a full investigation : XXXX XXXX XXXX XXXX - I did not open this account ; block this pursuant to section 605B within 4 business days - I already told you that my car was broken into and that someone opened this using my information
Complaint sub-issue: Information belongs to someone else

Based on, 15 U.S. Code 1681c2 a consumer reporting agency 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Complaint sub-issue: Problem with fees

Paid balance in full, before the due date and are charged {$2.00} as " previous balance '' on the next statement.
Complaint sub-issue: Threatened or suggested your credit would be damaged

In 2013 I moved out of my apartment where I had XXXX XXXX XXXX. I sent the equipment I was using back via prepaid shipping labels that XXXX provided me. Not long after they attempted to the claim the equipment was 'never returned '. I argued this point with them originally and they agreed back then and backed off the issue. Fast forward to this weekend and I have a fraudulent derogatory mark added to my credit by 'XXXX XXXX XXXX ' in the amount of {$380.00}. This is absolutely fraudulent and attempt to derail my near perfect credit between two corrupt organizations. I 've heard of this exact same tactic being used on many individuals via online research. I want this removed from all three credit reports immediately and both of these companies should be pursued with legal action!!!
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Received a letter written on XX/XX/XXXX stating that I owed a debt to ( PCI ) ProCollect Incorporated ( XXXX XXXX XXXX XXXX  ) in the amount of {$120.00}. Answered an incoming call from PCI on XX/XX/XXXX. Advised phone representative after I validated identity on a recorded line that I did not want to receive any more phone calls and all correspondence going forward I wanted in writing. On today, XX/XX/XXXX, I went on to PCIs website to dispute the charge electronically. Received another call today on XX/XX/XXXX at XXXX XXXX from yet another PCI associate attempting to collect the supposed debt of {$120.00}. I asked the associate if she saw the dispute that I submitted online. She responded by saying that what I submitted previously was unacceptable to file a dispute. That was an outright LIE because I NEVER submitted ANYTHING to PCI previously. I also mentioned to her that I had previously asked that all correspondence be in writing. She ignored me at just kept on talking trying to collect. I then asked to speak to a supervisor. The collector then responded by saying, this is not a supervisor matter and all I am concerned about is collecting payment Clearly CLEARLY my legal rights were violate and I would like for the CFPB to pursue legal action against PCI.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX   XXXX formerly XXXX XXXX. This information was given to XXXX and Equifax via an upload of document mailed to me by the creditor and a case for dispute opened. 
XXXX reported the case as resolved stating this will remain on my credit file.
Complaint sub-issue: Debt was result of identity theft

There is an account on my credit file that doesnt belong to me, I had my ID stolen and sent this company my police file and FTC
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX account on my Equifax and XXXX  credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. 

Amount {$420.00} Opened in XXXX2012 Last Balance Date XXXX
Complaint sub-issue: Information belongs to someone else

This issue was never resolved and has been on going. I am to the point of filing a lawsuit because the false reporting is causing me XXXX and is taking on me moving because do to your companies false reporting. There is a collection listed as security in the amount of {$1900.00} opened XXXX XXXX and also XXXX XXXX {$1400.00} XXXX XXXX XXXX which is fraudulent and does n't belong to me and I would like remove. Also your agency is not reporting accurately on my credit cards which I have paid down the balances please get these things corrected as they are cause extreme stress on my life. Having a XXXX child with XXXX XXXX XXXX XXXXs enough so please fix these issues so me and my son can move. If there 's any questions I can be reached at XXXX
Complaint sub-issue: Was not notified of investigation status or results

I notified US Bank on more than one occasion about my serious health problems and asked them to work with me as I was fighting for me life. The agent always seemed willing to work with me on trying to keep me current on my mortgage. it wasn't until recently when I applied for a new mortgage that I found they did not keep their word. They had stated the would add payments to the end to cover XXXX and XXXX of XXXX  and show me current.
Complaint sub-issue: Deposits and withdrawals

I set up an account with TransferWise several months ago. It took them a very long time to verify my identity and get me a debit card -- much longer than they promised. But when the account was finally established, I linked it up with my Massachusetts unemployment payment via direct deposit. But the first two payments of {$2100.00} and {$1400.00} never arrived in my account. I contacted TransferWise approximately 25 times over several weeks to try to get to the bottom of this. But they kept asking for more information and more information. I obliged them every single time. But they did nothing. It has been several months now and they still haven't given me my money. 

Eventually, a TransferWise customer service representative sent me a message over XXXX XXXX saying the deposits were rejected because they can not " accept deposits from the United States federal government. '' I replied that the State of Massachusetts is not the federal government. They said they would look into this. 

Since then, my more recent direct deposits from Massachusetts unemployment have indeed been coming into my account. This shows there is no problem with TransferWise receiving money from Massachusetts unemployment. But the question remains what happened to my {$3500.00}? Massachusetts unemployment told me that they sent the money and that it was never returned to them. 

After several months of contacting Transferwise, they still say they are " investigating. '' But they have made no progress and they still have my money. I need this money to live.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint in regards to a previous complaint I submitted. Complaint number XXXX. XXXX responded but did not address my issue. There is an account which I was very specific about. XXXX XXXX XXXX XXXX is the account that has a comment on my report stating the account was included in my bankruptcy. This remark does not belong on there. I never filed for chapter XXXX nor XXXX bankruptcy. XXXX  responded that there is no bankruptcy reporting on my credit report. Well I have an updated report that is showing that this debt was included in bankruptcy. Again I never filed for bankruptcy. I fully expect to have this false information removed off my reports.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that this item be immediately removed and deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

id theft victim XXXX XXXX not mine chapter XXXX been 7 years, needs to be removed XXXX XXXX XXXX not mine
Complaint sub-issue: Information is not mine

Equifax is ignoring my requests to investigate and remove XXXX accounts from my credit report that do not belong to me.
Complaint sub-issue: Add-on products and services

I purchased a ticket for my mother on XX/XX/2019 to travel overseas for XXXX $ using citi bank credit card..As my mother was diagnosed with XXXX,doctor advised her not to travel. On XXXX I paid XXXX as change fee to reschedule her flight.I opened a case with citi bank , case # Citi Card Benefits Request XXXXI submitted all requested documents to adjustor on XXXX. I was told that he/she has all information and she would approve in less than 2 weeks. He/she made some update on XXXX to restart clock of 2 weeks. I inquired again on XXXX to ask status on this case and requested to talk to adjustor but couldn't. within couple hours now he/she is asking for claim amount, this is basic information that adjustor should already have it or have asked for it long time ago. I have a fear that citi bank may be using delaying strategy hoping consumer would forget. They are asking and taking delaying case 2 weeks at a time . can you please look into this?Thank youXXXX
Complaint sub-issue: Problem with fees

In XXXX I contacted Citi bank to let them know that I was affected by the pandemic. They gave me 1 month extension for a payment. In XXXX I made a payment that brought my balance from 79 % 0we 'd to less than 10 %. The say after I made a huge payment they hit me with a late charge of almost {$60.00}. When I asked if there was something they can do about that. They stated they gave me a break in XXXX and it was a one time thing. When I stated that a just made a huge payment, a supervisor said it didn't make a difference if I paid {$30.00} or {$3000.00}. I had just made a payment over {$3000.00}.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

On XX/XX/2020 an automotive company attempted to run my credit report and had issues attempting to get it due to a fraud alert. Please have XXXX, Equifax, and XXXX   remove fraud alerts. Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

I have an account with XXXX XXXX XXXX in New Mexico. The account was late in XXXX of 2020. 

During COVID-19, the industry standard has been to either remove late payments during the pandemic or to update the item to reflect " affected by natural disaster ''. 

I disputed this as such for XXXX and the item remains unchanged. Why is this one credit union discriminating in this national disaster? 

CFPB should publish this on consumerfinance.gov. An entire population is creating an artificial lowering of the average scores in the country because of individual companies who refuse to help consumers during this time of national need.
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I have contacted Equifax, XXXX and XXXX several times about the inaccuracies on the Dept of ED/ XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.
Complaint sub-issue: Information belongs to someone else

XXXX  was notified about fraud accounts on my file that fraud, ... .. I submitted the documents to have the account block.The Bureau refused to block the accounts over 3 years..Once the XXXX XXXX account was block and added back on file with my knowledge.When I ask Office Of Consumer Finance about why? My question never answered. Which I had over 13 fraud account that was on XXXX And XXXX that been removed over 3 years ago ... The Bureau had block me from monitoring my credit and do n't give any access to Office of Consumer Affairs.
Complaint sub-issue: Debt was result of identity theft

Following collection company has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameJEFFERSON CAPITAL SYSTEMS Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$540.00} past due as of XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX XXXX XXXX are in violation of fcra rights by reporting a unverified/invalidate collection in the amount of {$960.00} on my equifax credit report. 

Section 609 Fair Credit Reporting Act.

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature agreeing to pay said amount.

A bill is NOT a signed contract!

Please dont not send me a bill or a verification letter for me to sign. This action is violation of FCRA. 
The company XXXX XXXX XXXX sent me a bill, again this is not a signed contract of me agreeing to pay the amount of {$960.00} Please send the contract with my signature explaining/agreeing that I own this amount. If XXXX XXXX XXXX  can not provide this by law equifax must immediately deleted item. 

The collection agency is required to have and provide this information. 
XXXX XXXX XXXX is asking me to provide a signed contract that they are required to provide to me by law.
Complaint sub-issue: Reporting company used your report improperly

Per CarMax, On XX/XX/2020, CarMax and I opted for a financial contract ; per this contract, CarMax took my information and reported to third-party companies, i.e., XXXX, XXXX, and XXXX, without my permission. In this process, I was unaware I could have the option to opt out of having my information report to these third-party agencies, XXXX, XXXX, and XXXX. It has been brought to my attention that I can opt and not have my information reported to the third-party agencies per 15 USC 6802 : Obligations with respect to disclosures of personal information. 



( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.