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

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX XXXX XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Complaint sub-issue: Was not notified of investigation status or results

Today when I checked my credit report file, Equifax has lowered my score XXXX points after illegally filing disputes that I never discussed or filed with Equifax. I reported Equifax violations against me in regards to the FCRA and they have retaliated against me. 
I have not had a conversation with anyone from Equifax since XX/XX/2022 pertaining to unauthorized accounts on my credit report. The rep removed the accounts after verifying CFPB, ftc, and police reports. I also disputed an incorrect address that was removed. 
Equifax is intentionally trying to harm me and my credit file/ score for reporting the violations.
Complaint sub-issue: Problem making or receiving payments

Holding my paycheck back Won't release my money on cash app
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX, I received a letter in the mail about a bankruptcy, but I didn't pay much attention to it because my names was misspelled and I knew I had never filed for a bankruptcy so I just left that alone. In XX/XX/XXXX, I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XX/XX/XXXX and I was denied again and I was not understanding why so I finally lit up and ask the salesman to show me my report and I wish I would of done this along time ago I was furious to know I had accounts opened under my name that I never ever opened and even more shocked when I saw the bankruptcy 's. I have never filed for bankruptcy in my life. The things I am reporting from my credit report do not belong to me. Please remove these things from my report.
Complaint sub-issue: Account information incorrect

Great Lakes, the private company the government pays billions of my taxpayer dollars to provide incompetent loan servicing to Americans, has reported that my student loan is in deferment due to coronavirus, which is a lie. My credit score went down! 
Please investigate and fine this terrible company which is actively harming Americans.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to the three major credit bureaus and its been longer than thirty days and they havent finished their investigation thats required by law and I am harmed due to this situation I cant get a loan for a home or auto until these inaccuracies are resolved, this is the second time Ive sent in this disputes and Ive followed their procedures in providing proper identification and proof of residency.
Complaint sub-issue: Was not notified of investigation status or results

Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report and they havent responded in over 30 days
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE SENT CREDIT BUREAU NOTARIZED AS WELL AS CERTIFIED LETTERS IN REGARD TO XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT AND I SENT IT TO THE CREDIT BUREAU AND YET THEY STILL REFUSE TO DELETE IT FROM MY FILE
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report disputed unknown collection listed as XXXX XXXX which is a collection account for XXXX XXXX. This unknown collection account was immediately deleted from XXXX  and XXXX. Collection was previously listed and properly deleted from all 3 credit bureaus when listed with a different collection company 3 months prior. Equifax continues to verify and list this unknown collection account and fails to verify the collection as requested and required by the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

On several occasions I submitted numerous of letters to XXXX, Equifax, and XXXX, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my consumer and I recognized that i had unauthorized inquiries and then I reached out to the credit reporting agencies that was reporting the inaccurate information I then proceeded to contact them about the inaccuracies but they refused to remove them
Complaint sub-issue: Information is not mine

The XXXX credit reporting agencies ( XXXX EquifaxXXXX ) falsely reported XXXX items that did not belong to me. It took months to have them take said items off my credit report but now, the XXXX credit agencies wo n't correct my credit score after they damaged it. It was their mistake to report me to begin with then adjust my score by removing ALL of my credit. My score was around XXXX before the credit bureaus made this mistake now it 's " DAMAGED AND HARMED MY LIFE! '' The bureaus will not correct it! 
I have attached a document from XXXX XXXX showing what the credit bureaus are reporting on my credit score. I have NOTHING and the credit reporting agencies do n't even show my positive credit. This has ruined my chances on getting a car loan, an apartment, an advancement at work and a credit card!! They wo n't fix their mistake and I 'm going to have a nervous breakdown! I ca n't believe what they did to me!
Complaint sub-issue: Account information incorrect

I have filed bankruptcy and XXXX XXXX XXXX is showing that I have 4 accounts on my credit when one was paid off, but it showing account closed due to refinance. Date open XXXX/XXXX/XXXX balanceXXXX, XXXX/XXXX/XXXX balance of XXXX, XXXX/XXXX/XXXX balance of XXXX, and XXXX/XXXX/XXXX balance of XXXX. Now I 'm seeing this company on my credit multiple times when only one of the account I went into default and then I filed bankruptcy.
Complaint sub-issue: Problem during payment process

I made a {$50.00} payment to AAdvantage Citicard on XXXX XXXX. The payment was done electronic through my online banking account with XXXX XXXX XXXX. In XX/XX/XXXX I noticed that the payment was not applied to the credit card. When I called claiming why my payment was not applied, they said that they didn't receive it, after I explained to them how I sent the payment they gave me temporary a credit of the {$50.00} until they investigated. In XX/XX/XXXX they sent me a letter requesting more information for them to identify the payment as a copy of my XXXX Statement showing how the payment was done. 

I did send the copy of the statement as requested. I wait for a few weeks and I called back. Customer service transferred me to the dispute billing department and the manager of that department told me that the investigation was closed and they had reverse the temporary credit because the information I sent was not enough. when they asked me to send the copy of the statement. The payment was done electronic and there was nothing else to show. Since then I have been calling and speaking to different representatives promising that they will open the investigation again but nothing it has been done. 4 months already. 
Last Friday XX/XX/2018 about XXXX XXXX  I spoke to XXXX from customer service XXXX Florida she refused to give the last name, she told me that she was the supervisor and she was going to send the request to billing department to re-open the investigation. that was a lie.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed outdated addresses, incorrect names and inquiries that I did not authorize on my Equifax credit report. I submitted a letter twice, one on XX/XX/2020 via mail and XX/XX/2020 via fax and mail requesting that the items be removed. I did not get a resolution into this matter. I even submitted a fraud report to let them know that there was fraudulent activity on my account but all I got back was a generic letter which was around XX/XX/2020. It took 60 days for them to respond to me, when XXXX  and XXXX  were able to remove these fraudulents inquiries and outdated information from my credit report with no problem. That is unacceptable when my credit is at risk, which may have been due to their security breach and they move so slowly to respond and when they do they do not resolve the issue at hand.I am also working with creditors in regards to accounts that do not belong to me. I understand Covid-19 but when other credit bureaus are able to respond to consumer disputes in less than 30 days, why in the world is it taking Equifax 60. Is that not a FCRA violation? I want the old information removed any incorrect spellings of my name removed and these inquiries that I did not authorized removed. I had a fraud alert placed on my credit report because of the fraudulent information that I discovered.
Complaint sub-issue: Personal information incorrect

I have old addresses that needs to be removed that doesnt correspond to my current address and I've attempted to reach out to the three burues to have these removed and no luck
Complaint sub-issue: Frequent or repeated calls

I started receiving numerous phone calls in XXXX. They left voicemails asking me to call them back but never said why they were calling. When I called them back they told me my payment was missed. I informed them that I had paid my most recent payment. The calls still continued. It got to the point where I started saving their phone numbers into my phone as Spam. Again, they never said WHY they were calling when the left messages. I spoke with a handful of different people and had 4 different names and numbers saved as spam in my phone. In XXXX I received a call again and returned it so that I could put a stop to their phone calls. At this point the representative pulled up my history and explained there was a missed payment from way back in XXXX. ( None of the previous reps had stated this ). At this point I secured a payment date and paid on time. I still received another phone call the very next day from the same rep. Again he left a message without the reason for his call. This is ridiculous, time consuming and quite a headache and I do not understand why they call so much, were uneducated as to why they were calling me, and nobody could explain the back-dated late payment.
Complaint sub-issue: Information belongs to someone else

IM WRITING THIS LETTER ON MY OWN. I swear all information provided within the attachment under the penalty of perjury is true and accurate to the best of my ability and knowledge.
Complaint sub-issue: Information is not mine

I have a twin sister with a similarities in both our name and social security number. As a result her credit info is mixed with mine.
Complaint sub-issue: Information belongs to someone else

There are accounts listed on my credit report that aren't mine.
Complaint sub-issue: Old information reappears or never goes away

All   XXXX   credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Complaint sub-issue: Account information incorrect

I recently checked my credit report and i see some accounts that are causing harm to my otherwise impeccable credit report. Due to certain laws that protect me, I believe these accounts should be updated to perfect payment history. Please see attachments for more info. Failure to comply will result in civil penalties for you willingly ignoring the laws that you are to abide by.
Complaint sub-issue: Account information incorrect

Hello, Please be advised that you and the company ( XXXX ) are currently in violation of Section 4021 of The CARES Act by negativity reporting this adverse payment information. 

Please see the attached document provided by the CFPB in regards to this issue. 

Per The CARES Act ( Section 4021 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishes from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the XXXX pandemic. 

I kindly request you remove this negative reporting information from the period XXXX XXXX as this time frame falls within the protected time frame under Section 4021 and multiple calls, messages and chats were sent to you letting you know of my financial hardship due to COVID-19. Not only did you fail to provide me correspondence in response to my query, you also failed to notify me of the delay in payment after I was hospitalized due to XXXX. 


I have contacted you and the merchant regarding this violation and have not received a response regarding my complaint. 

I will be forced to take further action should you fail to update this information regarding the negative reporting during the protected time frame. 

Thank you, XXXX XXXX
Complaint sub-issue: Problem accessing account

I have tried to link my Pnc account with my XXXX account and Pnc has not allowed that to happen & Ive tried for a month.
Complaint sub-issue: Their investigation did not fix an error on your report

Since mid XXXX Equifax has not been able to give me an accurate credit score. XXXX and XXXX have my credit at 700+. Equifax says my credit doesnt exist. I have filed XXXX disputes, both of which did nothing to fix this problem. Im unable to dispute this error with them because its not an option since they show I have no credit history whatsoever. Ive attempted to talk to customer service over 15 times and their only answer is to mail my personal information which Ive done 5 times.
Complaint sub-issue: Public record information inaccurate

Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with XXXX and XXXX. I have never given Lexis Nexis written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to XXXX and XXXX and they both said that Lexis Nexis provided them the information.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX claims that I owe them money for their service from XX/XX/2018. I have never in my life subscribed to XXXX XXXX. And I have had and maintain XXXX XXXX service at XXXX XXXX XXXX XXXX, FL. The debt is now with a collection agency called ERC and ruining my credit. I have tried to resolve it via disputes online to no avail. THIS IS NOT MY DEBT AND I WILL NOT PAY IT I have identity theft with the IRS as well and companies have breached my information. This is beyond wrong. 

Where was this service located?? Again, I have never owned a XXXX satellite or received their services nor anyone else in my home.
Complaint sub-issue: Information belongs to someone else

XXXX  Credit Monitoring notified me of XXXX XXXX XXXX incorrectly reporting a {$700.00} collection account when I have never even heard of XXXX XXXX XXXX. I have never received a single phone call or a single letter from XXXX XXXX XXXX. This, of course, is in direct violation of the FCRA. 

XXXX XXXX XXXX reports XXXX  as the original creditor to XXXX. This is entirely FALSE. I have never once been late with my XXXX  account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XXXX/XXXX/20. 

Either I am a victim of IDENTITY THEFT or XXXX XXXX XXXX is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that XXXX  provided for XXXX XXXX XXXX  and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX  and certainly there is {$0.00} due to XXXX XXXX XXXX, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.
Complaint sub-issue: Was not notified of investigation status or results

I have sent numerous of letters to Equifax. I have not received a response. They have not resolved my disputes. Equifax did not conduct a reasonable investigation of my dispute, modifying and correcting any found inaccurate information and removing the disputed items from my credit report within XXXX to 45 days after receiving notice. Equifax XXXX XXXX ( XXXX ) still reporting inaccurate Date of Last Activity and a past due balance on my credit report. It is against violations to continue to report inaccurate information and a past due balance on a charge-off debt. Also, previous addresses that do not associate with me. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information. 

I have attached XXXX forms of id & all of the proof.
Complaint sub-issue: Information belongs to someone else

I was given custody of my grandchild after he was XXXX in the XXXX with a XXXX XXXX. Now that the XXXX Family have stolen my identity, through equifax. They are stealing my child support from social security. I was given custody on XX/XX/2011 of XXXX XXXX/aka XXXX XXXX XXXX. His DNA number is XXXX. His father DNA number is XXXX. XXXX XXXX XXXX stole my mail. Paid Attorney XXXX XXXX to conspire with her to take the child support. To say I was n't in court. Attorney XXXX overrule Honorable XXXX XXXX XXXX ruling. Docket number XXXX. XXXX XXXX never paid me child support. My child did n't pay me child support from social security. Because XXXX stole copies of my drivers linsenc, my social security card in XXXX XXXX XXXX. I 've changed my name to XXXX XXXX XXXX. My name have been spelled XXXX XXXX XXXX  & XXXX XXXX. I began using my maiden name when I learned the XXXX Family stole my identification. Attorney XXXX XXXX  placed a fraud alert on my report without my knowledge. A seven year alert. My mail was being stolen in XXXX. The United States Postal Service told me How To handle. I no longer submit a change of address. I send notices directly to who I Am contacting. I do not let any family know where I 'm living. The less any of them know about me, the safer I Am.
Complaint sub-issue: Information belongs to someone else

the following XXXX  XXXX  account is not mine, this is an inaccurate and fraud account reporting under my equifax credit reports, this has been disputed with them several times, they hare not helpful at all and to some what they are inaccurately reporting these accounts and not even helpful, i have already attached my police report, please find attached. 
please help me to have this one account removed from equifax thank you
Complaint sub-issue: Application denied

I am in the process of putting in a new heat pump for the home as it went out. I went through the XXXX XXXX program. I applied for the XXXX XXXX XXXX Account on XX/XX/2019 that is issued by Citi. 

I completed my application and submitted with my new address where the heat pump will be going into as I recently purchased that home on XX/XX/2019. I did not put my current address as I have put this house on the market and in the process of moving. The screen let me know that additional information was needed. I called same day XX/XX/2019 and spoke to XXXX. He was asking me to verify my current Citi Card by providing the CVV code as a step of authentication which I did. 

I informed XXXX that I have an initial fraud alert on my credit report and understood the verification process. The fraud alert consumer statement stated to contact the applicant at XXXX to verify prior to issuing credit as I placed this alert when XXXX XXXX data was compromised and I was part of that breach. 

XXXX informs me that my credit application was denied because of the consumer statement on my credit report. I asked to escalate to management because under FCRA regulations, as a consumer I am allowed to protect my credit and creditors I deal with have the obligation to verify me as the person applying. I was transferred to XXXX, a member of management whom simply stated that Citi guidelines state that I needed to contact XXXX regarding information on my credit report. I asked if my denial was credit related and she stated no because I know it would not be credit related as I just made a home purchase on XX/XX/2019. I asked for clarification and explanation as manager was very vague and stated that information she could provide was very limited. I was perplexed by this because I am calling from number on credit report fraud alert and they could have picked up the phone to call it as well to verify as the consumer alert states, but they rather just create a guideline that is restrictive to obtaining credit and against FCRA regulations. She then stated that I would be put on hold while she could see what she could do, then the call was disconnected on Citi 's end. I tried getting back to XXXX XXXX XXXX phone number I had just dialed but I could not bypass the automated queue as my application was denied and speaking to anyone was not an available option even when hitting 0. 

I want to make this formal complaint against Citi for borrower discrimination against FCRA regulations when it comes to placing an initial fraud alert on credit report as I am allowed to. There is no freeze on the credit, simply an alert for creditors to verify.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.