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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Employer ( s ) : XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi checking account on approximately XX/XX/XXXX. The checking account came with a promotion that I would earn a {$300.00} cash bonus if I met the following requirements ( terms attached ) : 1 ) Within thirty days of account opening : Make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account, and maintain a minimum balance of {$15000.00} for sixty consecutive calendar days following the date the qualifying deposit was made.

2 ) Within sixty days after accounting opening : 1 qualifying Direct Deposit must post to the new checking account each month for two consecutive months after opening the new checking account. 

During the process of making my initial deposit of {$15000.00}, I contacted Citibank customer service to be provided the proper routing number for a bank-to-bank transfer because I couldn't find it online. I was provided one and used it for a funds transfer but the funds were never delivered. After realizing the transaction had failed I immediately called Citibank customer service again. Upon further inquiry it was determined that I was provided the wrong routing number. This call took place around the 30 day initial deposit requirement and so I was concerned my funds would not be deposited within the 30 day window. During this call I was provided the correct routing number and assured by the customer service representative that I'd remain eligible for the promotion, even if my initial deposit did not meet the 30 day window, due to the fact that I was provided the incorrect routing number causing my deposit to be delayed by many days. 

With the correct information I completed my initial deposit on XX/XX/XXXX and maintained that deposit until XX/XX/XXXX, which was greater than XXXX calendar days. I also had XXXX qualifying direct deposit post in XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). The attached statements document these transactions, which met the remaining requirements of the promotion. 

Around midXXXX I contacted Citibank to confirm that I had met the terms of the promotion and ask when I was to receive my promotion. During a series of calls and after an investigation it was determined that " my account does not qualify for this promotion because the required amount of deposit was not made within the stated timeframe ''. This conclusion was reached despite the fact that I was told by a Citibank customer service representative in XX/XX/XXXX that I would remain eligible for the promotion as a result of their mistake that resulted in my delayed initial deposit. This was also reached despite the fact that I continued to meet the remaining promotion requirements in good faith despite the error on Citibank 's part.
Complaint sub-issue: Information is not mine

Equifax is showing a hard credit inquiry by XXXX between XXXX XXXX, 2016 and XXXX XXXX, 2016. I did not authorize this inquiry and have no knowledge of what XXXX is or who initiated the inquiry. I suspect identity theft, as I already have a notation with the credit bureaus regarding this which was originally caught by my credit card company earlier this year. Thank you for your assistance in this matter.
Complaint sub-issue: Information belongs to someone else

To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Complaint sub-issue: Can't close your account

I have previously filed a complaint due to this company refusing to close my account and send me a closed account letter I sent a copy of my ID SS CARD AND UTILITY BILL I have proof it was sent and received through mail and email that asked me to send my personal documents I did and they still refused to close my account I 'm never going to use my card from Costco and it being open makes it prone to thefts or etc I might have to take legal action because they received my personal information and keep asking me for the same documentation and not closing my account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, and XXXX account # XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.
Complaint sub-issue: Transaction was not authorized

Square inc is terrible when resolving disputes between customers when debiting too soon for funds between business and customer.
Complaint sub-issue: Public record information inaccurate

My driving record has 2 accidents listed because the claim made one was incorrect but im going to get car insurance again and im being penalized for both accidents even though one of the claims wasn't paid out because it was incorrect. I tried solving with the insurance specialist and i keep getting a hotline number for Lexus Nexus and no response. so i call insurance back and they tell me to call this really good company that will fix it. it ends up being lexus nexus again. no option to talk to someone in customer service. does this company actually fix things? been over a week and no response calling multiple times a day NEVER able to get someone on the line, no option to hold for someone, just says thank you someone will get back to you and ends the pre-recorded call.
Complaint sub-issue: Personal information incorrect

I have sent XXXX numerous letters stating that they have inaccurate addresses on my credit report and need to be removed immediately, however they have not responded to me or updated any information. on my credit report.
Complaint sub-issue: Information belongs to someone else

Ive sent multiple letters and FTC Reports to Equifax XXXX XXXX and XXXX. All three refused to investigate my claim. Ive told them Ive been a victim of identity theft. They keep saying they verified it. But Ive havent seen anything in writing. The following accounts are All fraudulent. Ive never done business with these companies or entered into a written contract. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Account # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$7.00} ), XXXX ( Opened XX/XX/XXXX, Balance {$16000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Debt is not yours

Collection agency has been reporting wrongful debt to credit agencies since XX/XX/XXXX. 
As a XXXX member, I was billed directly by XXXX XXXX. XXXX XXXX never billed my medical insurance in which I was covered. XXXX XXXX  attempted to collect the debt through third party collection agency. In XX/XX/XXXX, I contacted all parties involved to explain the situation. I have repeatedly disputed the accusations of the collection agency but they still continue to report negatively to the credit agencies. I have called the collection agency multiple times, with no response from them at all. In XX/XX/XXXX. I sent two official certified debt validation letters that they did not respond to. As of today they are still reporting negatively to the credit agencies. 

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter
Complaint sub-issue: Account information incorrect

Equifax Information Services LLC has been notified by me numerous times that they are incorrectly reporting the balance of my child support account of mines by over {$40000.00}. I have provided them all the factual information to verify the correct balance with the Child Support agency, I have provided them legit documentation from the State of  California secure website that stipulates the correct balance and still they refuse to correct this account. I have provided them all documentation they have asked for and went back and forth with them for over one year. In light of the fact i know i am 100 % correct of the balance, i am taking this step as required by law before pursuing legal action in California Superior Court. I have already obtained an Attorney and been advised to take this FINAL step before proceeding with a court of law. I have been denied credit due to this high inaccurate balace, paid higher interest rates and been through emotional distress from creditors who have denied auto loans on my behalf specifically because they say the debt ratio of my equifax credit file is took high ( from equifax reporting the wrong balance )
Complaint sub-issue: Information belongs to someone else

To whom to may concern there is erroneous/ inaccurate information on XX/XX/2021. I am currently being hit with a bunch of hard inquiry 'd on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. I never gave any car dealership the right to run my credit score 6 separate times on the same day.
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report:XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Reviewed my credit report in XX/XX/XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Equifax on XX/XX/XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XX/XX/XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XX/XX/XXXX certified mail so I have proof that they signed for my letter.

Last week I received two letters from Equifax dated XX/XX/XXXX on the same day. The said that they could not locate my credit file and needed me to send proof of identification and address. With all three letters I sent a copy of my Arizona drivers license and my XXXX direct deposit sub as my proof of address. The second letter said that they received my request to be removed from the promotions list and that it was added to my credit file. How did they find my file to add the restriction if they couldnt find my credit file in regards to investigation purposes?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i have seen hard inquiry for certain lenders with out my permission
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have received several recent inquiries on my credit profile that I did not initiate. The credit reporting agencies did not protect my file by instructing the companies that i must be notified first before viewing my credit.     XXXX / XXXX  D ate of reque st   XX/XX/XXXX  XXXX   XXXX  Date of request   XX/XX/XXXX      XXXX   XXXX   XXXX   Date of reque st    XX/XX/XXXX      XXXX   XXXX   XXXX    Date of request   XX/XX/XXXX      XXXX   XXXX  Date of request   XX/XX/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

I recently sent in a dispute letter for collection information on my Equifax credit report. Equifax sent a letter back asking me to send in additional information to prove my identity. I sent in that information and they sent me another letter stating they had reviewed the current address. The results are : - blank. Equifax has not updated the correct information on my credit file. This investigation and reinvestigation have taken well over three months. The listed collections have caused my credit score to go down and are causing me to be denied when I am applying for new credit. I would like for this information to be updated.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

XX/XX/2022 Company decreased limit by XXXX XXXX before statement period after paying the credit card down substantially. There is absolutely no cause for this decrease and will affect my credit negatively. I have never missed a payment, been late, nothing. Absolutely no cause for this action by the company. Reached out to the company with no success. Company doesn't even have a document regarding this decrease in my account.
Complaint sub-issue: Account information incorrect

XXXX XXXX  XXXX XXXX refuses to update its credit reporting. I have reached out multiple times with no proper answer/resolution. They keep reporting 180-days late payments on my credit report every month. They also re-aged the account by falsy reporting that I have made a payment in XX/XX/XXXX. I have not made any payments to XXXX XXXX  XXXX XXXX in XXXX, XXXX, XXXX I have bank statements to prove it. They are also reporting to the credit Buearuaes that the loan was opened on XX/XX/XXXX, with a 72-month term. Based on that information the account would be long gone, charged-off & definitely off my credit report. They also have violated the UCC 9-616. Please help me stop this law-breaking company from further damaging my good name.
Complaint sub-issue: Their investigation did not fix an error on your report

I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX.XX/XX/XXXX DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. DISCOVER IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT DISCOVER HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

DISCOVER FINANCIAL SERVICES Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Am a natural person I am a living human being I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Complaint sub-issue: Not disclosed as an attempt to collect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX keeps calling and harassing me about a debt she can not validate. But, the debt is not in default and I have not been contacted by my creditor regarding this company. They are trolling. When I asked them to identify themselves and the nature of their business, they refused. When I told them I do not do business over the phone, they threatened me. " Then suffer the consequences! '' And, " It 's too late for all that suffer the consequences! '' She sent me a correspondence XXXX XXXX, with no knowledge of any creditor and trying to sign me up for XXXX. I have no debt in default ; I 'm XXXX months late.
Complaint sub-issue: Account status incorrect

This hard inquire on my credit report are not mine and need to be taken off of my report immediately.
Complaint sub-issue: Information belongs to someone else

There's alot of inaccurate information constantly reporting on my credit report due to the compromise of my identity, I recently disputed all the accounts inwhich are hindering me to obtain my true credit report. I have demanded that the 3 major credit bureaus to block the accounts from my file. Somehow their response was that the accounts been verified. Well that's the nature of a good fruad for something to appear true but under the surface it's not. So with that said there's no way that their investigation could have accurately proven to be correct and true. I'm now demanding that XXXX, Equifax and XXXX  provide me with their Method of Verification into this investigation, as of my consumer rights as outlined with the FCRA, if this is not provided to me I will then file with the FTC and/ or file a suit. I would attack each and every creditor but it's not there doing it is the doing of the reporting agencies for reporting and not doing their due diligence before attaching information to people 's file. I'm demanding physical cerfied documentation for the following accounts, I also want the names and title of each employee inwhom worked and investigated these accounts. I want to know inwhom did they speak with and by what means of communication did they use. What date, day, and time. All and everything to do with these accounts if not then the 3 major credit bureaus must delete, remove, and block the accounts immediately as stated within the FCRA language. The accounts are ( # 1 ) XXXX  NXXXXw {$2.00}, ( # 2 ) XXXX XXXX  {$5.00}, ( # 3 ) XXXX XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$130.00}, ( # 5 ) XXXX {$72.00}, ( # 6 ) XXXX {$690.00}, ( # 7 ) XXXX {$960.00}, ( # 8 ) XXXX {$960.00}, ( # 9 ) XXXX   XXXX XXXX  {$30.00}, ( # 10 ) XXXX XXXX XXXX {$680.00}, ( # 11 ) XXXX  {$77.00}, ( # 12 ) XXXX XXXX XXXX {$140.00}, ( # 13 ) XXXX XXXX   {$71.00}
Complaint sub-issue: Reporting company used your report improperly

I reviewed my credit with a Agency and Credit Karma is not providing the accurate scores and correct information from XXXX, XXXX as I review my credit score with a agency. My credit scores with a Financial Institution lender it reads as follow XXXX XXXX, XXXX XXXX and XXXX XXXX. CreditKarma.com displays XXXX XXXX and XXXX XXXX it does n't display XXXX. Credit Karma is misleading Consumers and our Military Veterans on credit scores and credit accuracies I have a free membership with Credit Karma. I am providing my Credit Karma information to Federal Government for evidence. My Log id XXXXXXXXXXXX Password XXXX Credit Karma credit scores and information are misleading.My credit score of XXXX is way of XXXX is misleading.Also I was mislead on credit card referral as credit karma states that my credit scores was good to get a XXXX XXXX credit card and when I applied I was denied and declined by XXXX XXXX Credit Card.
Complaint sub-issue: Reporting company used your report improperly

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Reporting company used your report improperly

Because of the Equifax security breach my score went down by 55 points.
Complaint sub-issue: Reporting company used your report improperly

I have contacted the loan companies to report credit history on all accounts along with payment history. The loan companies are all student loans not installment loans and have never been late. The companies initially made the corrections to the accounts but someone keeps going back and removing the corrected information them as they are correcting them within the reporting agency system.
Complaint sub-issue: Information belongs to someone else

What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus are reporting an alleged debt on my credit from the department of education. I have reached out to XXXX after disputing with the credit bureaus to ask them to remove it and they " verified '' it. However, they did not " verify '' it as XXXX contacted me via mail and they have removed the debt collection as it was unable to be verified as mine.
Complaint sub-issue: Information belongs to someone else

student loans that is under my record which I haven't had no student loans. I had call the company and they say they will erase it but they haven't. I need them to check whos identify thief of my information