Johnade/consumer_complaints_cfpb huggingface dataset:
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 ( Original Creditor : 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.
Complaint sub-issue: Old information reappears or never goes away

On my XXXX  these companies fail to have the hard inquiry removed, these was taken place before XX/XX/XXXX and now its XX/XX/XXXX and these companies still putting a hard inquiry on my credit reports the items has not been removed
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I filed a complaint against Equifax ( XXXX ) stating that they were reporting information on my credit report that is directly related to the unauthorized and illegal use of my identity back in XX/XX/XXXX/XX/XX/XXXX. Despite my efforts to work this out with Equifax, providing them with substantial proof to support my position, Equifax has failed to rectify this situation. In the company 's response, they stated that they were able to confirm that the accounts were mine and that I opened said accounts. I, however, never disputed that the accounts were mine, yet in fact, I admit that I did open these accounts. The issue for which I am disputing is the transactions that were made on the account for which I DID NOT authorize. If a proper investigation is done, you will see that I did, in fact, call in and inform XXXX of the situation back in XXXX, I have documented this incident TWO times with the FTC, I have filed an NCIC report to document this unauthorized activity, and I sought legal action against the culprit. Yet, Equifax, XXXX, and XXXX have not been able to provide the evidence to support that it was I who made these transactions. Therefore, Equifax 's failure to block this information from my credit report is in direct violation of section 605B of the Fair Credit Reporting Act. So, in accordance with the aforementioned policy, I ask that these inaccurate items be promptly removed from my credit report.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, there are incorrect information found in my reports that needs to investigate. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the Inquiry that is reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021
Complaint sub-issue: Information belongs to someone else

Today XX/XX/19 I was notified by my loan officer that there is an account that is preventing me from getting approved for the home loan I want because it is in negative standing. I did some investigating because I have never opened an account with that company and I discovered that this account was opened by someone else without my permission. I never authorized anyone to open any type of account on my behalf nor do I know how he/she got ahold of my personal information but I have already filed a police report. I am not affiliated with this company in any way and I never allowed them to run or access my credit information. I did not benefit in any way from this suspicious account.
Complaint sub-issue: Banking errors

XXXX XXXX, 2017 I wish to make a complaint for the customer service I received recently by the Assistant Vice President Licensed Branch Manager XXXX XXXX at the XXXX XXXX Branch. I 've had many issues with overdraft fees charged on my account by Key Bank errors in the past. On XXXX XXXX 2017, I was charged an overdraft fee for insufficient funds since I 've had many issues with Key Bank errors I asked for a refund as a courtesy. The customer service I had spoke to on the phone advised me to go into a Branch near me and speak to a personal banker at a Key Bank Branch near me and they 'd be able to help me. When I went into the XXXX XXXX Branch, I spoke to a bank teller who advised me to go into the Key Bank Branch where I had opened my account and they 'd be able to help me better there. I went into the Key Bank Branch located in XXXX XXXX and spoke to a bank teller who, told me I had to speak to a personal banker in regards to the refund because she was unable to authorize the refund since I had a substantial amount of courtesy refunds already. Which in fact was inaccurate as they had been Key Bank errors. On Tuesday XXXX XXXX, 2017, I went into Key Bank to speak to a personal banker in regards to overdraft fees I had in the month of XXXX. When I spoke to the Assistant Vice President Licensed Branch Manager XXXX XXXX, I tried explaining what had happened with my prior overdraft fees and asked if I could have a courtesy refund on some of the overdraft fees since there had been issues with the prior fees. As I explained what the problem was she rudely interrupted me without letting me explain thoroughly and kept shouting at me " was it a bank error? '' As I had explained, this time it was not a bank error but since I had to deal with many bank errors prior to this one I wanted to ask if I could have a refund as a courtesy. I am absolutely disgusted with the customer service I received by the Assistant Vice President Licensed Branch Manager XXXX XXXX, she was beyond ridiculous! I have never met such a rude person ever before and her behavior was completely out of line! I had to get up and walk out from there before I lost it. As we walked out of the bank she continued to be rude and unprofessional, laughing and smiling and shaking her head as we walked off.
Complaint sub-issue: Received bad information about your loan

My loans were discharged in bankruptcy and XXXX XXXX is continuing to change the amounts and will not honor my discharge paperwork. I sent them a faxed copy of my paperwork. My balance went from XXXX to XXXX dollars
Complaint sub-issue: Reporting company used your report improperly

This is a complaint about the Equifax data breach. Through no actions of my own, I find my personal information compromised due to the negligence of Equifax 's cyber security which has placed myself and millions of other Americans at risk. 

This will be a lifetime of headaches with dealing with protecting my credit information. I wanted to submit a complaint in light of this stress and for whatever future loop holes I may end up going through due to this data breach.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Macy 's did a hard credit pull on my credit report without my permission. I have not done business with them in years and my account has been closed for years. They were not authorized.
Complaint sub-issue: Company closed your account

I have another complaint filed with you against Citibank Wayfair credit card too!!!! They are STILL harassing me by phone and email!!!! I told them to " CEASE AND DESIST ''. Yet they continue to send me illegal emails saying they have updated my phone number as I asked, which I did NOT ask them to do, they are trying to trick me into responding to them!!!! Make them STOP CONTACTING ME NOW!!!!! They are breaking the FDCPA, sue them and shut them down!!!!! Enforce the laws!!!!! I have NEVER given them my authorization to contact me by email, and told them I did not want to be contacted by phone either, ONLY by MAIL!!! Now I am telling them to " CEASE AND DESIST ALL COMMUNICATIONS '', because they are obviously ignorant and do not respect boundaries!!!! Nor do they follow the laws!!!! Make them STOP!!!!!
Complaint sub-issue: Information belongs to someone else

Upon a review of my credit reports with XXXX, XXXX, and Equifax, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXX containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received TWO letters from XXXX postmarked XX/XX/21 stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/21. This letter was delivered on XX/XX/21. Disputes filed with XXXX, Equifax, and XXXX all came back as " verified as accurate ''. I received a letter from XXXX on XXXX dated XXXX that is IDENTICAL to the two letters received previously. As XXXX claims that I purchased items with this account and made payments on it, and that those reasons caused them to determine that this account was mine, I requested evidence of the orders made, proof of delivery, and documentation of any payments made on this account. This request has clearly been ignored in order to mail a generic, cookie-cutter letter in an attempt to stall me. If this matter is not resolved soon, I will be seeking legal remedies.
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. XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account number 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: Account status incorrect

After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( XXXX  ) Then showing payments as " OK '' paid as agreed on another bureau ( Equifax ) Then  Showing Zero Payment History For ( XXXX  ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus
Complaint sub-issue: Information belongs to someone else

Key bank is reporting a XXXX balance on a XXXX max credit line which the supervisor of keybank agreed to remove this account due to my police report submited and frozen reports to in place .XXXX, and XXXX please remove this Account ASAP. 
Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Information belongs to someone else

MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Personal information incorrect

Pulled my credit reports and noticed that the spelling of my name was incorrect. I've sent letters to have this information removed and updated to all 3 credit companies and only one responded and deleted some but not all incorrect info.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XX/XX/XXXX To Whom it may concern, ATTN Fraud  Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX   XXXX XX/XX/XXXX 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. 

Yours Sincerely, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was the victim of identity theft in XXXX and XXXX of 2020. Someone opened up XXXX accounts and tried to open up XXXX XXXX and XXXX accounts in my name. These issues impacted my XXXX  and Equifax credit reports and scores. I was able to get a police report and get the issues resolved with XXXX  but Equifax has been completely inept. I have called them on 15+ occasions and been told via phone that my inquiry would be removed only to find out a week later when I updated my credit report that my inquiry didn't fall off. I have written documentation from them on two occasions confirming that they had removed the inquiries but my credit report still shows them on my credit report. I have submitted police reports to support my claim, XXXX has submitted evidence that it was fraudulent, and I have called on multiple occasions with no success. 
Please assist as I have spent days working through with Equifax and had no success.
Complaint sub-issue: Problem getting my free annual report

None of the XXXX companies would allow me to obtain my free credit report online through XXXX. XXXX and XXXX said 'unable to provide ', and Equifax flat out refused, claiming it is more secure for me to mail copies of my identifying information. Copies which could be used by a criminal to steal my identity.
Complaint sub-issue: Trouble with how payments are being handled

I applied for the PSLF ( Public service loan forgiveness ) an act that was established by President George W. Bush which is supposed to offer public servants an opportunity to pay down their loan and have some of it forgiven. The only plan that XXXX XXXX offered me would have me pay for 120 months at a premium and would end up paying the entirety of the loan prior to any being forgiven. At the rate the company required I would have paid off my student loan twice in the 120 months. This was not the purpose of the program and no resolution was offered by the company. This is not how I would expect it to work as a current public servant.
Complaint sub-issue: Reporting company used your report improperly

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Complaint sub-issue: Information belongs to someone else

XXXX showing up credit please remove the ftc or fcra violation sent them this over months ago of the violation also inquires
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED
Complaint sub-issue: Information belongs to someone else

LENDING CLUB CORP Account XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX - {$32000.00} XXXX/XXXX  Account number XXXX Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX {$17000.00} {$20000.00} reporting XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in XXXX  from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was XXXX  ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in XXXX  ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX  and fatigue. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the credit bureaus and XXXX XXXX XXXX, XXXX  to remove these 2 accounts. The 1st one was opened on XXXX XXXX, XXXX ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The second one was opened on XXXX XXXX, XXXX ( 7 yrs, 11 mos ) which also make it obsolate under the 7 years statute of limitation the FCRA. The accounts are also fraudulents.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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: Account information incorrect

My mortgage company reported the wrong information ( said my balance went up to {$97000.00}, almost {$2500.00} higher than it is ) and when I disputed the information they told the credit bureau the information was correct.
Complaint sub-issue: Debt is not mine

HI, The company EOS CCA XXXX XXXX XXXX XXXX XXXX XXXX keeps sending me letters when I 've told them over and over that I never had this account with XXXX XXXX XXXX balance at all XXXX XXXX XXXX verified that there is a XXXX balance since XXXX account # XXXX Please get this company to STOP Thank you XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I received a letter in the mail today from Equifx, credit file date XX/XX/XXXX confirmation # XXXX and the name is still incorrect. The name on the letter is XXXX XXXX, my name is XXXX XXXX and I have told them this more than 100 times. I haven't used XXXX XXXX since I was divorced in XX/XX/XXXX. I have no credit under XXXX XXXX, no ID under XXXX XXXX and it is not my name!!!!!! 

I want my credit file corrected asap to my correct name which is XXXX XXXX XXXX and my address is XXXX XXXX  XXXX XXXX XXXX, NC XXXX and my employer is XXXX, XXXX and XXXX, XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

Citibank has allowed numerous fraudulent applications to be submitted in my name which ultimately resulted in Fraudulent Credit Cards being opened with the bank that I didn't receive nor authorize. 

There was a double cash card that was reported to the bank as Identity theft, I did not open this card in 2018. This was also reported to the credit bureaus and citibank did nothing about it. 
Secondly there was an AADvantage Platinum Mastercard that was opened in 2018. Not only was this opened fraudulently and not authorized, Citibank was also advised of this and had an Identity Theft case opened on this card and nothing was done to resolve this. They attempt to say that I owe them a balance of {$12000.00} which I do not because this account was opened from a thief and I never received it. 
I have not opened any credit cards with citibank and the payments that were made to the cards were also fraudulent from a bank account opened by the thief. 

I only have a few accounts with citibank and these are Lines of Credit. I do not have any credit cards with citibank and I did not submit multiple applications. Yet, any time I do actually even think about attempting to apply for a card I am told I can't because not only do those fraudulent cards impact my internal citi relationship, they also sent me letters advising they were identity theft and never did anything about it. So not only does it discriminate and not let me apply for anything because they flagged multiple applications it also has a bad internal risk score because of the fraud.
Complaint sub-issue: Other problem getting your report or credit score

After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the items below : PUBLIC FILINGS XXXX RECORDER OF DEEDS {$3800.00} not mine