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

I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on XXXX  and a couple of days ago credit XXXX told me that a bankruptcy came on XXXX  now in addition to XXXX. It is not on Equifax. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.
Complaint sub-issue: Personal information incorrect

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.
Complaint sub-issue: No notice of investigation status/result

I am filling this complaint because I have been ignored by the Equifax. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.
Complaint sub-issue: Debt is not yours

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from XXXX 
The fraudulent items are circled and listed here : XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX Please 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. 

Enclosed are the following : A copy of my credit report I received from annualcreditreport.com. The fraudulent items are circled. 
A copy of my Identity Theft Victims Complaint and Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity and proof of my address. 
Confirmation of fraud alert. 
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 theXXXX within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert
Complaint sub-issue: Company closed your account

I have Citibank credit cards for more than 9 years! I did not have ANY OUTSTANDING balance. I NEVER paid late and I NEVER paid any interest!. My crediting score is XXXX! 

The Citibank simply closes my Citibank credit card without EVEN ANY intimation! I am very puzzled as well on my abrupt and sudden closure of my Citibank card by Citibank!! Citibank did not even INFORM me as the customer of Citibank that they are going to close my account!! 

This uncivilized act by Citibank is absolutely UNACCEPTABLE!! 

Is Citibank simply desperate to EXTRACT interest from their customers and make money? If their intent as well as interest is NOT met then they simply conduct this kind of uncivilized act?? 

Please HELP! 
XXXX XXXX
Complaint sub-issue: Received bad information about my loan

Currently I have student loans with Genesis Lending from classes that I attended at XXXX XXXX XXXX in XXXX, Wyoming from XX/XX/XXXX till XX/XX/XXXX. I am a veteran of the XXXX XXXX and as though I did receive benefits from my XXXX G.I. Bill, the money had to be used for living expenses since my husband and I were unable to receive campus housing due to our marriage status. Because of this, we were unable to use the G.I. bill for its intended use and now we are paying the student loans. Considering XXXX provided high hopes for attending the school, I became a XXXX GPA student and graduated with above and beyond characteristics. When I attended the introduction day where I had to sign tons of papers, I remember specifically them telling me to sign a paper for a private Genesis loan in which I had not been aware of. They wanted me to do this since I did n't not qualify for some other loan. The lady insisted that it was a good loan although I feel I did n't have much time to think about it and I feared that I would not be able to attend school if I did n't do this. I do n't remember going over interest rates or loan amounts but she did tell me they would wait till we graduated to pay them back. After graduation, I applied for many positions and did receive only XXXX call back. In addition my husband received XXXX. I became sole provider till he found a job but I was not properly prepared to work in the position I ended up getting as an XXXX at XXXX XXXX. My hands on teachings were out of date for the current repairs that I had to make on vehicles. I feel that my husband and I were ill-equipped for entering the XXXX as they had lead us on to be as well as my above and beyond attitude that I worked on while attending did not seem to have made a difference. I currently am a XXXX and both my husband and I feel that we did not receive enough or the right sort of education that would help us in the XXXX. We have felt like this for years. Our loans had been on multiple deferments and forbearance as well as while I did have a job, I do remember specifically XXXX instance where I received collectors calls and I had to tell them I could n't pay them back but the lady insisted that I make a payment that very day. The call ended in tears. Myself as well as my husband where not happy with our education as well as the position that we were left in when he could n't get a job and that we had to use the benefits money to pay for our living expenses at the time. We are still to this day trying to get ahead even with our loans on forbearance.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a lawful consumer and my information and report was misused and I have false not 100 % accurate accounts and info on my credit report. 

I asked them to do a verification of everything on my credit report and they did and sent a generic response saying it was accurate. I did research myself and found inaccuracies on my report even after they said they did full research. 

According to FCRA all have 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 says consumer reporting agency can not furnish an account without my instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed including the following items : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Account status incorrect

Hello, my name is XXXX XXXX and this is my third attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. I look forward to your prompt attention.

Coronavirus Aid, Relief f
ull Accommodation was not applied after i was promised..

Elan Financial Service/ XXXX CREDIT CARD XXXX XXXX XXXX Attn : XXXX DISPUTE ACCOUNT # XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

Approximately 4-years ago when I received my Macy 's American Express Card, a male Macy 's customer service representative told me that I would not need my in-store Macy 's credit card any longer and that ALL purchases ( in-store, magazine and online ) would automatically be charged to my new Macy 's American Express Card. HE LIED! 
- After shredding my Macy 's credit card, Macy 's - WITHOUT MY KNOWLEDGE - kept that Old in-store account opened ( ending in - XXXX ) and allowed someone in California to use my name and make charges on the old in-store account to the amount of over {$1000.00}. 

When I filed fraud charges, Macy 's closed out my Macy 's American Express Card ( ending in - XXXX ) ; and reissued a new regular Macy 's store card ( ending in - XXXX ). I received that new card in the mail this week and never activated it. 

I received the However, when I called today, XXXX XX/XX/2021, to inquire about the activation on the new card, a female Macy 's customer service representative informed me that Macy 's FRAUDULENTLY transferred the fraud charges from the store account and placed them on the new card. She indicated that it is a FRAUDULENT and SNEAKY method Macy 's is apparently using to try to force me to un-awaringly pay for the fraud charges on the old account that Macy 's kept open without my knowledge that allowed someone in California to make fraudulent charges on. 

I also contacted the credit bureau and I was informed that Macy 's FRAUDULENTLY sent in a negative credit rating to the credit bureau after the FRAUDULENTLY activity they allowed on my account without my knowledge. 

When I talked to a Macy 's Fraud agent today, he informed me that the female agent lied in her notes today and wrote that I never verified my personal ID information with her over the phone ; and she NEVER talked to me ( another lie ) ; and that she IMMEDIATELY revoked my new UN-USED credit card that was sent this week ( ending in - XXXX ). I was not aware of the LATEST FRAUDULENTLY ACTIVITY THAT MACY 'S COMMITTED TODAY UNTIL I TALKED TO THE MALE IN MACY 'S FRAUD DEPARTMENT.

Macy 's is COMMITTING CONTINUOUS CREDIT CARD FRAUD - and sending merchandise to people fraudulently to addresses in different states ; but, charging Macy 's customers for those charges. Consequently, Macy 's is sending false information to credit bureau 's as a SOLE PURPOSE TO NEGATIVELY AFFECT my credit report. I AM SURE THAT I AM NOT THE ONLY VICTIM! Macy 's should be investigated, charged for credit card fraud and victims should receive a resolution to this on-going matter! 

And, after I was informed today about the fraud that the female Macy 's representative wrote on my account by the male Macy 's fraud representative, I tried to call Macy 's customer service, a recording stated that Macy 's was NO LONGER accepting any calls from my number. PLEASE INVESTIGATE!
Complaint sub-issue: Old information reappears or never goes away

I am disturbed that the company continues to list the dismissed ch XXXX cases on my credit file. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcies about dismissals and filings! 
The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or DISMISSED, no longer exists in the eye of the law and a case filed that was never and has NEVER been actually adjudicated. Therefore you have no right to maintain information that the government has deemed legally 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 answer within 14 calendar days.
Complaint sub-issue: Information belongs to someone else

Please see the attached letter from XXXX XXXX confirming they have determined the account listed on my credit is indeed fradulent. I have also included the police report.
Complaint sub-issue: Information belongs to someone else

While trying to qualify for a mortgage, my lender indicated that there was several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me were not associated with me and I have no idea what these negative items are about.
Complaint sub-issue: Problem with fraud alerts

To whom it may concern, I tried to get Internet for my family and was told that there is a fraud alert on one of my credit reports. I am not sure which one, but I did n't not make any oh one call placing this on my credit report. Please contact me on how to resolve this issue. I am also in the procks of trying to purchase a new home. Effect would be greatly appreciated. An Equifax credit report investigation is being requested at this time. 

Thank you, XXXX
Complaint sub-issue: Problem getting your free annual credit report

I am having a problem and issue getting my free annual credit report from XXXX XXXX, Equifax and XXXX, I am entitled to under the Fair Credit Reporting Act ( FCRA ).
Complaint sub-issue: Old information reappears or never goes away

Department of Education and all 3 credit bureaus along with XXXX  continue to report older information over 8 years old that has been paid/closed/settled for 7 years or more. I want these items removed.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XXXX XXXX I contacted Carter Young Collection Agency Concerning a collection on my Son ( XXXX XXXX XXXX ) Credit Report due to an erroneous apartment collection from a student housing apartment XXXX XXXX XXXX Old XXXX XXXX XXXX XXXX, FL. I was disputing the validity of the debt and provided information on the individual that moved in the apartment in XXXX after my son moved out in XXXX. I received no response from agency. 

On XX/XX/XXXX I followed up with the a second email. Still No response from the company. 

On XX/XX/XXXX I received notification from XXXX that the collection agency had placed the same debt on to my credit report. I have never lived in Florida, had no knowledge of this debt until XX/XX/XXXX. The Collection Agency Maliciously placed this collection on my credit report that is not mine. I as a mother trying to assist her son correcting his credit report was acting in good faith contacting the collection agency to dispute and resolve a debt. This agency made no attempts to resolve the matter but in turn acted in a malicious manner. I have been harmed by this malicious act as I just submitted at application for a mortgage on XX/XX/XXXX and this is prohibiting my ability to qualify for a home for my family. 

On XX/XX/XXXX I contacted the agency 7 times to speak with a supervisor and was continuously transferred to a Ms. XXXX who had preformed the malicious act. I emailed and mailed a letter the company notifying them that my rights had been violated and requesting for the collection debt to be removed from my credit reports.
Complaint sub-issue: Didn't receive enough information to verify debt

Received email notice XX/XX/2021 with attached document. Address listed was one from nine years ago ( for my husband ) and mine was from over a year ago. 
We responded to the email XX/XX/2021 noting that we have tried to contact them with the provided phone numbers. Each number automatically disconnects when the caller follows the prompts to speak to representative or an operator. 
They responded with the same phone number. 
I responded XX/XX/2021 with another request to speak with a representative to resolve the issue. I received an email from another individaul with the same useless phone number. 
I have provided an updated address and called the following numbers within listed business hours with no success. Some numbers have been tried multiple times. 
XXXX XXXX XXXX XXXX XXXX XXXX I am trying to reach someone because I have concerns about the validity of this debt. I am unable to and am concerned this will put me at a extreme disadvanatge in the years to come.
Complaint sub-issue: Public record information inaccurate

This a second request. I have accounts on my credit that don't belong to me. Someone is using my name. I never filed bankruptcy either. Please remove it immediately. I am not a credit repair company and I sent you my personal documents to prove that it's me.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXXXXXX AND EQUIFAX HAVE AN UNSPOKEN AGREEMNET TO COMMIT COLLECTION FRAUD, BY ALLOWING THEM TO REPORT DUPLICATED COLLECTION ACCOUNT.
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 XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 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: Investigation took more than 30 days

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days for request of a complete investigation. So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this bureau about this unverified collection accounts as of today. Thank you
Complaint sub-issue: Was not notified of investigation status or results

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

US DEPARTMENT OF EDUCATION ( Original Creditor : XXXX XXXX ) Account Numbers : XXXX and XXXX Date opened : XX/XX/2014 These accounts dont belong to me. I never applied, received, benefited and/or profited off of these accounts. I have tried numerous of times to dispute these accounts and they keep saying it belongs to me but theyre not giving me any solid evidence that these accounts belong to me. I have disputed these accounts with US Department of Education and Equifax ( its only reporting on Equifax ) they both have said the account is mines but have yet to produce any solid evidence.

The last reply I received from the US Department of Education the letter addressed me as. Ms. XXXX. I even sent the proof of the letter over to Equifax and never received a reply back from them. 

On top of that the US Department of Education have incorrect information thats reporting becaue they two different amounts thats owned. We all know the information has to be correct across the board. These accounts have been reporting for awhile on my credit and has been an negative impact.
Complaint sub-issue: Can't close your account

I had a PNC checking account ( ending in XXXX ) when I was in college and closed the account over 10 years ago. However, I recently received a notice that this closed account was going to be upgraded to a Standard Account and I would be charged a monthly maintenance fee of {$7.00}. As directed in the attached letter, on XX/XX/2019, I called PNC and asked PNC to either 1 ) confirm that the account was closed and the letter and potential fees do not apply or 2 ) if somehow my account was re-opened, close this account. The customer service center refused to provide either of the above solutions. 

I have a FICO credit score over XXXX that I have worked for years to build and am very concerned with PNC 's approach here. They seem to make it near impossible to close accounts if somehow this account is still open 10 years after I closed it.
Complaint sub-issue: Personal information

My goodness I have been through it with getting information on my Credit Report changed. Equifax, XXXX and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on XXXX occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.
Complaint sub-issue: Account information incorrect

I spoke with them today. They said the only way to get the bill removed is to file a dispute. I have tried that they are still reporting. I have paid their collection company XXXX. I am attaching the receipt.