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

I've contacted each service that's furnishing inaccurate information thats being shared on my consumer report. I made them aware that i did not authorize nor consent to the following names, addresses, phone numbers, employers, inquiries and collection being fraudulently reported on my consumer report. 
According to 15 USC 1681E ( B ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of 2017 all payment went through XXXX XXXX as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information
Complaint sub-issue: Information is not mine

I have noticed that I have multiple hospital bill on my credit report when I started the process to buy a home after careful inspection I known that the bill are not mine. I have had this problem before where someone has been using my information at the XXXX and receiving services under my name. I have disputed them with all three credit agencies and Equifax is the only agencies that has not removed them. The other agencies stated that there was not valid proof that the bill belonged to me. I am not sure how to go about this, I called the XXXX and asked how they verify that the patients is really the patient that are receiving services and they stated that the person has to give a name and a DOB. This process needs to be changed I 'm sure I 'm not the only person that this has happened to and I do n't know how to get information so that I can prove that it was not me whom received the services. And why is it that these collectors could not validated information to the other XXXX credit agencies but they could validate the information to Equifax
Complaint sub-issue: Account information incorrect

I am writing to inform you that FBC Mortgage LLC payment history is inaccurate information on my credit report. I am requesting that you deleted this account of my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have noticed I have Inquires that I did not authorize reporting on my private and personal credit profile about me which are unauthorized and fraudulently reporting on my file. I was very upset and highly upset about this. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. I filed a Police report and I filed a Complaint with the Federal Trade Commission about this serious matter.
Complaint sub-issue: Don't agree with the fees charged

I have several variable student loans with Discover which are supposed to follow the PRIME rate index. Every time the PRIME rate had an increase, Discover updated my monthly payment immediately. However, this time the PRIME rate decreased from 5.50 % to 5.25 % on XX/XX/2019 and Discover has not updated my overall interest rate and it is still charging me with the 5.50 % old PRIME rate.
Complaint sub-issue: Debt is not yours

I am not aware of this company, ( I.C. System Inc. ), nor have I ever been in any contract or agreements with said company. I have never had communications, written or verbal, with said company. Any account open is not valid.
Complaint sub-issue: Account status incorrect

I filed bankruptcy around 2015 and there are still accounts showing negative revolving that should be gone with a XXXX dollar balance.ive contacted equifax multiple times and they will not correct this. They but on dispute verbiage but never solve the problem or correct this was XXXX yrs ago!!
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Public record information inaccurate

I have submitted my dispute letters for the erroneous information on my credit report. I have not received any response or validation in over 30 days. And the items are still on my report and have not been removed as the law states.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I discovered that XXXXXXXX XXXX had reported a late payment to the credit bureaus. On XX/XX/XXXX I contacted them with my Authorized user ( XXXX XXXX ) on the line. We spoke to a supervisor name ( XXXX employee id XXXX ). She advised us that she did see that my account was set up on automatic debit and that she would remove the late reporting from the credit bureaus. My authorized user asked that she note the account of this for future references and she agreed. On XX/XX/XXXX Myself and my authorized user called again t o ensure that the account had been corrected and the supervisor ( XXXX ) advised that she saw the notes on the account and everything was corrected. On XX/XX/XXXX the late payments were added back to the account and now XXXX is refusing to remove them. This is adversely affecting my credit through no wrongdoing on my part.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

My credit limit was {$4800.00}. I had not used the card in two years so it was closed, I caught this immediately and Citi opened the card for me with no changes to the credit limit. Then in XXXX Citi lowered all of my credit card limits by almost {$20000.00} on the cards that I actively used. At the time they refused to reinstate my limits and would not provide me with a valid reason or even with a copy of my credit report used to make this decision as the customer service representative told me I could only write in my complaints to see if they made an error and he could do nothing else. 

On XX/XX/2020 the credit limit on my card ending in XXXX was still {$4800.00}. I had not used it in a few months. So I used the card to purchase lights and ceiling fans for a home I am currently building, total charge about {$2000.00}. The charges went through but one item was backordered so they provided a refund until the item was in stock. The next day Citi lowered my credit limit to {$1000.00}. It was lowered to the point that if the refund did not go through I would have gone over my limit. Now that the refund did go through I can no longer use the card. As the company has this card on file and if they try to charge it it will be declined or I will go over my limit. 

Citi is using predatory practices to lower credit limits on credit cards as charges are pending. They are intentionally being deceptive about the amount of credit I have and then once I use the open credit they are drastically reducing it.
Complaint sub-issue: Was not notified of investigation status or results

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?
Complaint sub-issue: Debt is not yours

Upon getting a notification from my credit monitoring service I noticed a collection had been placed on my credit report. Vance and Huffman LLC # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX, ( XXXX ) XXXX XXXX This collection account has been reported as a past due balance and was opened on XX/XX/2021 in the amount of {$740.00}. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature agreeing to any debt stated.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a loan with XXXX XXXX XXXX from XX/XX/XXXX and paid the loan off in XX/XX/XXXX. I paid the monthly payment of XXXX every month on the same day for the entire time I had the loan until it was paid in full. However, on my credit report, XXXX XXXX reported I was XXXX late on the XX/XX/XXXX payment and 30 days late on the XX/XX/XXXX payment. 
Since this loan was on auto-pay, it was paid on time and monthly payments were always made. I only recently discovered they reported incorrect information to XXXX, Equifax, and XXXX as I am dealing with another problem affecting my credit. The credit agencies have been all but impossible to deal with. I've spent hours on the phone and with supervisors, the same with XXXX XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Received a phone call from XXXX XXXX at XXXX on XX/XX/22 for case XXXX. Left messages. His recording states that calls will be returned within 24 hours. No response. 

Phoned Elan credit card disputes department again on XX/XX/22 and agent stated that the dispute would be escalated due to no response.
Complaint sub-issue: Their investigation did not fix an error on your report

Have tried to work with XXXX, Equifax and XXXX over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX XXXX car loan, and XXXX mortgage accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and XXXX, XXXX and Equifax and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Citibank is arbitrarily and capriciously denying a credit limit increase to me- even though I have a XXXX score with all three credit bureaus - all balances are paid in full - and I utilize less than 5 % of my available credit limit - and I have excellent payment history with no late or missed payments ever. Citibank is continually pulling wrong credit report information that is inaccurate and this is harming me. I was told at the time of request - an accurate credit report would be pulled- which either was false or there is then no rhyme or reason to why Citibank denied my request.
Complaint sub-issue: Reporting company used your report improperly

I recently received a copy of my Equifax, XXXX and XXXX consumer report. I noticed some accounts being furnished on my consumer report without my consent as the CONSUMER!! 

XXXX XXXX BANK ACCT # : XXXX This company is in clear violation of the LAW!. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 

I NEVER gave anyone written instructions to furnish this account on my consumer report!
Complaint sub-issue: Account information incorrect

Titanium Funds account # XXXX was included in a discharged chapter XXXX bankruptcy docket # XXXX and they are still reporting negatively every month and reporting a balance. They are in violation of the Bankruptcy Stay and the next correspondence will be from my attorney.
Complaint sub-issue: Public record information inaccurate

Inaccurate bankruptcy information is reporting on my credit file. Please see the attached document.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 2.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
3.Validate Account Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX Please remove it from my credit report. 
5. Validate Account Account Number : XXXX Please remove it from my credit report.6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
6.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8.. Validate Account Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a Square debit card that I did not sign up for. The card had my name and was mailed to an old address ( parents home address ). I contacted the company to investigate. This did not show up on my credit report.
Complaint sub-issue: Information belongs to someone else

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$26000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX
Complaint sub-issue: Account status incorrect

My school loans are all on my report multiple times including closed ones showing as open. They are listed as collections, chargeoffs and most damaging foreclosures. The foreclosures appear as if I have had multiple home foreclosures. I have disputed the errors multiple times every time it seems to just lower my score more I have contacted the us department of education and it seems to get me no where Im now barred from disputing them.
Complaint sub-issue: Debt is not mine

ATG Credit ( XXXX ) is trying to collect a debt they claim I owe from a company XXXX XXXX XXXX for {$79.00}. They say its for an apartment that I moved out of in XXXX 2012 called " XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL. I closed my accounts then with XXXX and XXXX. I never had an account with XXXX XXXX XXXX and I ca n't even contact them. XXXX shows my account is closed with {$0.00} balance. The XXXX management has assured me that they never send anyone to collections. XXXX XXXX XXXX is submitting this claim FRAUDULENTLY and no one is willing to help me. 

ATG Credit is incredibly rude and will not give me any information other than to say you owe {$79.00}. I am supposed to just them the money blindly without knowing if they will then keep coming back for more? 

I do n't want this to affect my credit, and need help from someone. 
Please help me! 
- XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX am a victim of identity theft
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft, the XXXX  XXXX account report is not my account
Complaint sub-issue: Personal information

well I have a big issue with the information in my credit report. when any agency run my credit, always appear an address in Texas that I never been and a social security number that is not belong to me. also says that I work for I design compsany and I am the owner. 
I send letters already to the credit agencys and copys of my identity and XXXX do not have record of my credit and information, transunion send me a copy of my credit history and it shows a social security numnber pthat is not mine, and equifax it shows an address in Texas that I never been and a tottaly diference a social security number than XXXX. 
in fact, XXXX in my report shows the only last XXXX number of the social, but equifax report shows the complete SSN. I do not have a Social security number XXXX only have a Tax ID Number. the credit agency says that I dont exist in their system because I have a Tax ID Number, so how the can report private information from sombody else in my credit report.
Complaint sub-issue: Personal information incorrect

Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, XXXX, XXXX, AND EQUIFAX, are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/21 I asked them to verify that accounts belonged to me. XX/XX/21 I asked again. XX/XX/21 I sent a letter letting them know that they have not responded and or asking how they verified accounts they claimed had been verified. XX/XX/21 I sent another letter letting them know it's also one specific account that I showed proof that the collection agency can not validate the debt.
Complaint sub-issue: Problem with statement of dispute

Equifax has been reporting false information on my credit report since XXXX XXXX that has prevented me from renting an apartment. They have XXXX collections listed from XXXX XXXX XXXX / XXXX. This information was previously deleted via a dispute in XXXX XXXX. Equifax continuously states that the company ( XXXX ) is verifying the information that account belongs to me but fails to provide any proof of the alleged debt and method of verification. I have sent in documents directly to Equifax showing that the account that is reporting the information does not match to what XXXX is claiming and the original creditor is XXXX XXXX and it does not match that of XXXX. I have requested a signed contract that has my signature showing that I agreed to terms with XXXX communities which both Equifax and XXXX have failed to provide ( because it does not exist ) yet both Equifax and XXXX do not provide any additional proof and these XXXX negative collection entries remain on my credit report.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft since 2014. I am at my wits end getting these items removed. Equifax has been the worst out of all 3 reporting agencies. I have provided my FTC paperwork, court ordered paperwork signed by the judge clearly stating the accounts were not mine and now I am including my new updated police report ( this is the 3rd one in 6 years ) but yet this company refuses to follow the law and remove the fraudulent items off my report .... which makes it even worse since they are also a company who let me information out into the world
Complaint sub-issue: Investigation took more than 30 days

I sent an investigation request to Equifax on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.