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

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Was not notified of investigation status or results

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have privacy rights.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for a purpose. 

The payments were never late.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. All Three Credit Agencies XXXX, XXXX  and XXXX  have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. The following is just from XXXX report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX   XXXX - XX/XX/XXXX -1 to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX  XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX Credit Plus - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX  XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX  XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX  XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX1 inquiry to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. I also sent a second letter on XX/XX/2020. It has been 67 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : 1. XXXX XXXX CREDIT CARD Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : # # # # # # XXXX Please remove these items from my credit report. They are displaying false and misleading information about me!
Complaint sub-issue: Old information reappears or never goes away

A item on my credit report has been illegally negative re-aged. Here is the background. 
Someone opened a XXXX account in my name. 
Approximately 8-9 years ago it went into collections. Approximately 3 years ago I disputed it and it was removed from my credit report. A few months later it re appeared with a new date of XX/XX/2017. 
The item is as follows Debt description XXXX XXXX   Current creditor XXXX XXXX XXXX XXXX Amount of the debt {$1100.00}
Complaint sub-issue: Other problem

Citibank, issuer of my XXXX XXXX XXXX card has informed me in a letter dated XX/XX/XXXX, that my card is expiring and will not be reissued. " We are unable to send you a new card due to a charge off on another credit card account issued by Citi ''. I have about XXXX miles accumulated over 20 years that they will be confiscating by cancelling this card. They have not been specific regarding the 'charge off " on another Citi Card ... .but I am pretty sure that it refers to a card from several years ago when I paid for one unsatisfactory service from a Cheat Web service -- - XXXX XXXX XXXX '' They signed me up for a multi-month auto payment program. I went months without using the card until I received a statement 8 or 9 months later that showed those charges and a bunch of Citi add-ons. I protested, verbally and in writing. To my knowledge they did nothing to curb Just Answer. I told Citi that was willing to pay for the first month of no answers from XXXXXXXX XXXXXXXX, but I wasn't paying the many months following, and their add-ons. I just stopped using the card. 

That was years ago. I probably have, with my wife, 5 or 6 different Citi cards, for decades, -- -- all paid in an timely way except when Citi 's website isn't working and I have to take a couple days to complete payment. I have declined to pay on this one card because I feel that I was cheated and that Citibank aided the Cheater. 

Can they now steal my air miles?
Complaint sub-issue: Investigation took more than 30 days

I sent out disputes to XXXX, XXXX  and Equifax and they haven't replied in 30 days
Complaint sub-issue: Can't close your account

I am having issues with my credit report, XXXX XXXX XXXX will not show as closed on my account or the credit agencies wont report it correctly.
Complaint sub-issue: Problem getting report or credit score

Equifax , after leaving me on hold for 2 hours, simply hung up on me when I asked for a supervisor
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In the past few months I have received more than 10 Alerts thru my XXXX  XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( Equifax, XXXX  and XXXX  ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card Company-XXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account file.
Complaint sub-issue: Debt was paid

Today, XXXX, my bank called me to let me know that a levy was sent to garnish what money do I have in my checking account. at XXXX Bank. It appears that this debt is a scam involving employees of government agencies namely : XXXX XXXX XXXX and my former employer XXXX XXXX XXXX XXXX. My bank provided me a telephone number to call about the levy. I called the number and I talked to an employee of XXXX XXXX XXXX which refuses to identify himself. This employee gave me another telephone number to call about the levy. The phone number belongs to Alliance One and I talked to a XXXX XXXX who refused to identify what company they are if they are a collection agency or not. I was able to obtain some information about the levy and checked my record and whatever these people are collecting were fully paid on XX/XX/XXXX to XXXX XXXX XXXX for a traffic citation that I was not even aware of but I paid it anyway without any disputes about the traffic citations. I paid this questionable amount XXXX the total amount of {$520.00} to obtain renewal of my California Driver 's License. Now it appears that I continue to be scammed and a fake court order document was sent to my bank to zero out my checking account. Please help.
Complaint sub-issue: Can't close your account

Account with US Ban k Visa card.I canc elled the card and paid the balance due.   After the account was canceled, they accepted a charge on the card from a high school reunion site I had visited in the past.I called and complained to US Bank, but they were no  help.The total charge was only {$15.00} ; since US Bank was no help I just paid the $  XXXX .Now they are sending me bills for late fees every month for a bill that they accepted on a cancelled credit card and that was even paid because they were no help.I have contacted the company numerous times in the past few months-with NO help from them.My cur rent bill from them says I owe {$36.00} ( due  XXXX   XXXX  ) in late  fees.HELP.This same company tried charging me on car loan that was paid off earlier this year.Please help.This is the most unethical bank I have ever dealt with, and I am not a young guy.
Complaint sub-issue: Debt was result of identity theft

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XX/XX/2021
Complaint sub-issue: Investigation took more than 30 days

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Complaint sub-issue: Reporting company used your report improperly

I responded to an offer thru XXXX XXXX or XXXX XXXX. The offer was thru XXXX. The site offered a pre approval, and I submitted the pre approval for {$2500.00}. The site told me I was pre approved and asked for all my personal information. After submitting my personal information including my bank login and password. they told me I was only approved for XXXX. This is completely misleading! If they would have told me I was only approved for the XXXX I would have declined to proceed with a credit check. I want that credit inquiry removed and the company investigated for fraudulent business practices. This company completely mislead me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a host of hard inquiries that I have previously reported to be fraud on three credit reporting agencys reports. I have no knowledge of these inquiries. 
Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting my free annual report

i was asked questions to verify that it was me and none of the questions were even clos ei believe im a victim of identity theft, it wont let me view my credit report
Complaint sub-issue: Information belongs to someone else

I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 XXXX. XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized by me.
Complaint sub-issue: Debt was paid

Debt was paid in agreed settled amount. With stipulation written if cashed! Flagship offered me an installment payment plan over 12 months to pay off debt. I paid the {$4000.00} agreed amount in one payment. Written on check if cashed flagship is agreeing to remove from my credit reports! Flagship has had the opportunity to return the check to sender, and the opportunity to notify me via email or by phone to let me know they were not agreeing to the terms written on the check! Flagship credit acceptance LLC cashed my check knowing my expectations! I dont see if I fulfilled what they asked of my why they shouldnt be obligations of the stipulations of cashing my check!
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I received an inquiry on my Equifax credit report that XXXX XXXX XXXX was pulling my credit report for a loan that was applied for with my personal information. This was an attempt of fraud and identity theft. The company is XXXX XXXX XXXXXXXX. I have disputed this with XXXX XXXX and XXXX XXXX. I have an affidavit where someone attempted to apply for a loan in my name and personal information. I also have a signed police report form. 

Equifax is refusing to remove this HARD INQUIRY from my report after I have submitted all of the documentation showing it was fraudulent activity. My credit report is on a freeze to help prevent any one else from stealing my personal information. 

Please help me remove this from my credit report.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. My information was compromised when my wallet was lost containing all of my personal information. I have contacted XXXX asking for them to block the fraudulent bankruptcy from reporting that I never filed. However, after multiple attempts at getting my information to them ( Mailed - XXXX XXXX, Faxed - XXXX - XXXX ) they have yet to process my documentation. According to FCRA 605B, any CRA only has 4 days to process the paperwork and verify it, before having to block it from reporting. If this is up-healed, the bankruptcy should have already been blocked since XXXX, yet it continues to report. I believe this is in violation to the FCRA laws.
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, 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 information incorrect

On XX/XX/21 I filed a complaint through the Equifax dispute center against XXXX/XXXX  regarding a settled account. On XX/XX/21, XXXX/XXXX  verified with Equifax that the information reported is accurate stating the account balance is currently {$3800.00}. This is not correct as payment had been submitted to XXXX XXXX XXXX, working on behalf of XXXX XXXX  on XX/XX/21 to settle the account in full. Additionally, XXXX updated with XXXX  on XX/XX/21 that the account has been paid in settlement. 

XXXX refuses to report accurate information to the 3 credit bureaus and although documentation had been provided to Equifax showing the account had been settled, Equifax validated the inaccurate information reported and verified by XXXX XXXX. 

I have provided documentation of the conflicting dispute updates and the letter submitted by XXXX XXXX  acknowledging receipt of payment and settlement of the account.
Complaint sub-issue: Can't close your account

On XX/XX/2022 I opened an HSA account with XXXX and submitted paper work to initiate a transfer from Optum Bank HSA to XXXX account. I contacted XXXX a few weeks after that to ensure I didn't have to submit any more paperwork and they said that the ball was now in Optum Banks court. 

Last week I called Optum Bank inquiring about the status of the account. I noticed i still had money in my optum bank account, when it all should have been liquidated. They had no trace of the rollover. I spoke to two different people. One of them requested I fill out this form : XXXX XXXX XXXX  even though this form clearly states its for transferring an account from an institution INTO optum bank, not the other way around. The person advised I liquidate my investing portion of optum bank, as they wouldnt be able to transfer what was invested. I have liquified my investments, and now I am worried that it is going to take a long time for them to straighten everything out and I could lose out on potential market gains. 

I initiated another transfer from XXXX hoping that this time it will actually go through.
Complaint sub-issue: Information belongs to someone else

I have contacted Equifax and have not gotten any response. 
My file has split into two files and there is two fraud account not mine and I sent the police report they requested in order to remove it and it still in my file. 
XXXX XXXX XXXX {$12000.00} Opened Date XX/XX/XXXX XXXX XXXX {$13000.00} Opened Date XX/XX/XXXX