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

I AM WHO I SAY I AM, I AM NOT AN ATTORNEY. I AM NOT A CREDIT REPAIR AGENCY. I AM A VICTIM OF IDENTITY THEFT. I AM A CONSUMER AND I NOW KNOW MY RIGHTS. 12 U.S.C. 5511 ( c ) ( 2 ) I received a letter from Equifax on 9/18/21 dated 9/8/21?!? Thats a ten day difference I'm pretty sure they are back dating their letters! ILLEGAL. In the letter Equifax stated and I quote " For Equifax to block information under Section 605B on the Fair Credit Reporting Act, you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of your complete and submitted Identity Theft Report '' I sent you Equifax my Driver 's License, a copy of my Social Security Card, my utility bill displaying my current address ( that you sent your letter to ), a NOTARIZED letter stating the unauthorized fraudulent accounts, and I identified every account that was a result of identity theft in my completed and submitted Identity Theft Report from the Federal Trade Commission. You are violating me and I have already been through enough. How dare you conspire with these companies against me, THE FEDERALLY PROTECTED CONSUMER!?!? Who gave you authorization to report these fraudulent accounts anyway!? I SURE DID NOT!!!! Block this fraudulent information off of my consumer report to cause no more harm, injury and suffering to me and my family.

Equifax is a RESELLER WITH FILE 15 USC 1681c-2 ( d ) ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
Complaint sub-issue: Information belongs to someone else

I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX, XXXX XXXX, XXXX XXXX, XXXX bank, and XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. XXXX, XXXX, and Equifax are reporting fraudulent information.
Complaint sub-issue: Deposits or withdrawals

Cash app account has been hacked by some unknown person and have many unauthorized transactions on account from XXXX tell now
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

A company reached out to my eldest daughter regarding a debt that they state I owe to XXXX XXXX XXXX. I have not had an account with XXXX  XXXX XXXX for years, so I am not certain what debt they are speaking of and why they contacted my eldest daughter instead of myself. I have had clear credit - no debts- for at least two years now as I worked to clean up my credit rating. 

Information from the email my daughter received and forwarded to me : From : XXXX XXXX XXXX Date : Fri, XX/XX/2022 at XXXX AM Subject : XXXX XXXX, important reminder To : XXXX XXXX XXXX XXXX ( NOT my email address ) Your TrueAccord account number is : xx-xx-xxxx-xxxxx - We don't want to see your balance of {$8300.00} be taken back by XXXX XXXX ( current creditor of your original XXXX XXXX  XXXX, XXXX. account ).
Complaint sub-issue: Their investigation did not fix an error on your report

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX DELAWARE XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

There are several charged off, derogatory accounts that are being reported to the Credit Bureaus under my credentials that do not belong to me and are causing me incredible financial hardship. After several unsuccessful attempts at Validation of said accounts. I have requested that these items be removed from my credit file immediately. These items are still currently being reported to my credit file and therefore are in violation of the FDCPA, section 809 ( b ). 

On XX/XX/XXXX, I sent out a request of Validation letter. The collection agency failed to comply within the allowed 45 day time frame. ( Please see attached ) On XX/XX/2018, I sent out a second letter to the company. ( Please see attached ) Non compliance.
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting Act, XXXX, Equifax and XXXX, have violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

According to 15 U.S.C 1681 section 602 A I have the right to privacy. 
These addresses do not belong to my credit XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Also inproper names : XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit profile, I noticed there is an inaccurate listing. The account XXXX  XXXX XXXX Balance {$590.00} is a very error in reporting.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law The account, therefore, needs to be investigated immediately to publish my correct credit record.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently checked my credit report because I am in the market of buying a home. Upon checking my report, I noticed that both XXXX and Equifax are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report 4 times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold Equifax and XXXX accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT 4 TIMES. I expect them to be deleted immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX, Used XXXX   XXXX Student Loans XXXX Auto Reseller XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX All Banks - non specific XXXX/XXXX Department And Variety Stores - non specific XXXX Personal Loan Companies XXXX   Personal Loan Companies XXXX Personal Loan Companies XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XXXX XXXX XXXX Finance Companies -  non specific XXXX XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX
Complaint sub-issue: Account status incorrect

I was a XXXX XXXX credit card, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that XXXX had reported in 2015 a  charge off. 
I also remember receiving a XXXX from XXXX that I sent to the lawyer regarding the charge off debt.
Complaint sub-issue: Account information incorrect

Happy Money, a Company located in XXXX, California has kept a erroneous balance open on my XXXX Credit Report. The same Company closed said account in XX/XX/2021 with {$0.00} balance. They have harassed me for a alleged {$40.00} balance after my personal loan was totally paid off. I have NEVER missed a payment in 12+ years. They are trying to destroy my Credit History and XXXX  Score for complaining about rude staff. My XXXX  Score dropped XXXX points today.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XX/XX/XXXX Received a call from Credit Collections Bureau after they have been notified multiple times by certified mail to cease and desist all communications to my number, and that I have retained a lawyer who is in the process of filing bankruptcy for me and the debts with them are included.
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 U.S.C. 1681. 

Account name : XXXX XXXX  # XXXX 15 U.S.C. 1681 Section 602A. Accuracy and fairness or credit reporting. States I have the right to privacy 15 U.S.C. 1681 Section 604A ( 2 ). It also states a consumer reporting agency can not furnish a account with out my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ). Section states. No consumer reporting agency may make any consumer report contaning any of the following items of infomation. 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: Problem getting your free annual credit report

For the past several years, I've experienced issues obtaining my free annual credit report from Equifax Information Services LLC. I've only been able to obtain my annual free credit reports from XXXX and XXXX but not Equifax. 

Early XX/XX/2021, I mailed an Annual Credit Report Request Form to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. It was delivered by USPS via Certified Letter on the date of XX/XX/2021. XX/XX/2021, Equifax responded to my request by sending me a letter requesting more information for identity verification purposes. On XX/XX/2021, I mailed the requested identity verification information to Equifax, my response was delivered by USPS via Certified Letter on XX/XX/2021. 

As of XX/XX/2021, I have yet to receive my requested free annual credit report from Equifax. This is my complaint.
Complaint sub-issue: Attempted to collect wrong amount

First I do not owe this debt. 
Second I received a letter stating that AFNI would call the debt paid in full if I paid XXXX % of the debt Third, I received a letter that the XXXX % was received but now I still owe the other XXXX % this is a clear violation of the Fair Debt Collection Practices Act
Complaint sub-issue: Debt is not yours

I received an email from a company called TrueAccord. According to their email their contact information is support@trueaccord.com, phone number XXXX and their mailing adddress is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ks XXXX. They emailed my email address which is XXXX with information about my sister XXXX XXXX owing a debt to XXXX XXXX XXXX with the amount owed of XXXX. This is a violation of the FDCPA, not only did they send this information to the wrong party, they disclosed amounts and dates of the debt, possibly to try and embarass my sister.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

15 U.S. Code 1681 Equifax has violated my rights and continues to report inaccurate data on my credit report. I am starting legal actions against them. 

All violations can carry a fine of {$1000.00} each and there are several. This does NOT include fees for my attorney and my own costs to rectify this situation. Equifax could be liable for over {$10000.00} in total court costs. 

1. XXXX XXXX - several times I have spoken with representatives from XXXX, and they have agreed this account is to be removed from my report. I have disputed Equifax over 4 times with this. And yet Equifax STILL shows this account. I am within my legal rights to demand this account be removed from my equifax report. The account ASLO still shows after disputes inaccurate information! 

2. XXXX XXXX- There are 2 accounts ( closed ), that contain inaccurate information, and when I spoke with a representative, these accounts are okay 'd to be removed from my credit report. The accounts still show and the inaccurate information STILL shows as well. 

3XXXX XXXX XXXX - Collections account - This account was paid in full and XXXX  XXXX greed to remove this from my report and yet it still shows in my equifax credit report! This is a violation of my consumer rights. 

4. XXXX XXXX - This account was voluntarily closed and I spoke with a representative from XXXX XXXX and this account is to no longer be on my credit report. There are also inaccuracies on my report that even after multiple disputes, they still show! 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX -- This account was also voluntarily closed and after I spoke with XXXX XXXX representative over the phone, they had agreed this account should no longer be on my credit report, but it still shows! There are also inaccuracies on my report. 

There are multiple inaccuracies in my PII section which my lawyer sent an affidavit demanding removal of inaccurate information. Equifax has NOT done this! 

I am left with no choice but to start legal procedure against Equifax if these accounts are not removed immediately.
Complaint sub-issue: Problem with customer service

This regards my Citibank credit card. 

I received a call in early XX/XX/2021 about a fraudulent charge on my account. Citibank said they were cancelling the card and sending a new one. I was traveling at the time, so I asked them to send the new card to my temporary address in OR. They agreed. 

However, the card never came. I spoke to another representative who said -- oops, they sent it to CA instead. They'd cancel that card and send a new one instead. This one would be sent to OR. 

Still, it didn't come. I contacted Citibank 2 more times, and they said I hadn't waited long enough. It had been definitely sent to OR. I just had to wait longer. However, a month later, the new card never came. 

At this point, I checked at our old address in CA, and sure enough - there were 2 cards there. Citibank had never sent a card to OR after all. They also didn't cancel the old card before sending the new card -- all the cards they sent had the same number. 

I tried to reach out to Citibank again to check how many cards were out there with the same number. I don't know what they sent where, and I'm worried someone else could get their hands on one of the extra cards. However, I can't get an answer from anyone. 

I am very frustrated. I have spent many hours on the phone and chat with Citibank, with great frustration. None of the representatives can give me accurate information. Also, the representatives refuse to transfer me to a manager. I am completely stuck.
Complaint sub-issue: Account status incorrect

Equifax and XXXX should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account number : XXXX - Original Creditor : XXXX XXXX It saddened me to learn that you somehow Equifax verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report. 

Note : XXXX XXXX was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Equifax 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that Equifax spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Equifax via email, fax, mail and on the phone with a representative.
Complaint sub-issue: Account status incorrect

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Complaint sub-issue: Information belongs to someone else

At the time of my identity death gain access and believe all my personal information including my Social Security number to open up accounts without My permission and authorization I hope this report it would help. Put a stop to this issue from ever occurring
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was going through my credit file I noticed XXXX XXXX from XX/XX/2018. I have no knowledge of this. I did not sign any paperwork with the company in question. This is fraud and done without my consent. I am taking action now by coming directly here to solve this problem.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX  Account # XXXX has violated my rights. 

Fair Credit Reporting Act : XXXX XXXX XXXX section XXXX A. XXXX I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. XXXX XXXX XXXX XXXX XXXX Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING XXXX XXXX PANDEMIC. 



Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In the past, I had subscribed to the local news paper. I cancelled this subscription in writing, via email, pursuant to the requirements laid out in the card holder agreement in early XX/XX/XXXX but the merchant never stopped charging my Citi Bank credit card every month. 

I've filed disputes each month, have called the bank over 10x, and provided the emails I sent the merchant to cancel at least 15x via email to the bank. There are now 6 disputed transactions ( XXXX through XX/XX/XXXX ), and 3 have been resolved in my favor, but the bank somehow found against me- in conflict with the facts proven by my supporting documentation AND 3 other findings in absolutely identical situations on one of the other months and are STILL investigating 2 others. 

On the XXXX, XXXX, and XXXX charges that I'm disputing from this merchant for cancelled services, Citi has closed the disputes, and refunded the money. Somehow for XXXX, they found in favor of the merchant ( in contradiction of their findings in the other months which contained the exact same facts ) and they are still somehow investigating XXXX ( by have closed XXXX? Makes no sense ) and now XXXX as of another charge that Citi let go through, which I disputed today. 

I've called 2x to have a new card issued as well, and was told it " was not necessary. '' Please help! I'm tired of doing everything I'm suppose to do in this situation and the bank refusing to process the identical disputes properly, apply credits, stop the merchant from making the charges, and reissue the card.