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

Someone is using pieces of my personal information on their credit report. The result is relentless and continuous calls from telemarketers for the incorrect person. On XX/XX/2022 alone, I received more than XXXX calls within the first XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Complaint sub-issue: Information belongs to someone else

i received a copy of my credit report and noticed many fraudulent accounts and inquries that is stopping me from obtaining credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A Secton 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

{$78.00} payment to progressive that shows a XXXX balance but hasn't been removed from the credit report. 
I would like this immediately wiped from my credit report. And if there is a fee for that I will pay it. Thank you
Complaint sub-issue: Information belongs to someone else

I have previously disputed with XXXX, XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Complaint sub-issue: Information belongs to someone else

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed because these accounts do not belong to me, Please resolve this matter as soon as possible. Thank you very much!
Complaint sub-issue: Information is not mine

EQUIFAX IS REPORTING A COLLECTION DEBT ON MY ACCOUNT THAT IS NOT MINE XXXX I HAVE TRIED TO RESOLVE IT WITH THEM WITH NO RESPONCE OR CHANGE TO MY REPORT I HAVE ALSO SUBMITTED A COMPLAINT WITH THE COLLECTION AGENCY THAT THE DEBT IS NOT MINE AND NEVR WAS THEY HAVE FAILED TO PROVIDE DOCUMENTATION UNDER THE FAIR DEBT COLLECTION PRATICES ACT AND STILL REPORTED TO THE CREDIT AGENCY EQUIFAX
Complaint sub-issue: Their investigation did not fix an error on your report

I have had problems creating a myequifax.com account. I have submitted multiple complaints regarding this issue. Equifax still has not addressed the issue. Instead, Equifax claims that I complained about inaccurate information on my Equifax credit report. This is untrue. I have not complained about inaccurate information on my Equifax credit report. 

Now, when I contact Equifax, Equifax requires that I supply the information regarding the " inaccurate information '' on my credit report before anyone will talk with me about my credit file. Since I never made a complaint regarding inaccurate information on my credit file it is impossible for me to provide this information. Thus, Equifax has made it impossible for me to access my credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax, XXXX XXXX, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. This is the second attempt to get the requested information from the XXXX letters sent to Equifax. PLEASE SEND THE REQUESTED INFORMATION OR DELETE THIS ACCOUNT FROM MY NAME/ CREDIT REPORT.
Complaint sub-issue: Received bad information about my loan

I had a private loan and then graduated XXXX. After I graduated I knew I had to start paying on the loan within six months. However, when they called I explained my situation ( no job, no income ) and they said it 'd be fine. I called now that I can catch up and they 've turned it over from AES to XXXX. 
I called and the only option I had was pay in full or arrange a settlement. I ca n't pay that much and fee very misled on my options. I feel trapped by this loan now and do n't know how to get out.
Complaint sub-issue: Attempted to collect wrong amount

Since XX/XX/2020, I have been trying to obtain the outstanding balance of a debt that is in collection, so that I can pay it in full and have wage garnishment stopped. Due to the pandemic I will most likely be out of employment so I'm trying to resolve this debt for good. I contacted the firm to get a settlement amount and was advised that it was not an option and that I had to pay the current amount owed in full. This law firm has not returned emails sent to them on XX/XX/2020, and XX/XX/2020. I have made calls on a almost daily basis. When they call me back they do not leave a message, or if I pick up the call drops. When I go on their website to find out my payment history from the wage garnishment, it does not show payments credited to the account or the outstanding balance on the account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had 13 transactions on XX/XX/2021 that happen back to back between XXXX to XXXX all adding up to the amount of XXXX XXXX I had no knowledge of these transactions as soon as i came across my balance i immediately contacted Cashapp support by email and i was contacted over phone i explained everything and was told there isn't a direct phone number so it would be resolved by email so i waited for an email and i responded back with all the screenshots and information about the transactions that i needed to dispute they said once the transactions went from pending to complete is when it could be refunded they told ne to just be patient slowly a month went by and kept emailing and reporting the transactions and still nothing a month later i need help to get my money back
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX
Complaint sub-issue: Debt is not yours

I have been receiving calls & voicemails from a debt collection agency, HunterWarfield, XXXX, XXXX, XXXX, since XX/XX/2020, daily, for a debt apparently owed by my daughter, that I have no responsibilities for, e.g. : I have never cosigned a loan for her. I also sent complaint to the Iowa Attorney General a week ago, but at the time I did not know why they were calling me. Earlier this week they left voice mail asking for my daughter. I will not answer their calls or contact them as the research on this company indicates they use bullying, threatening, and scammy techniques.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2019 Macy 's Corp has used unfair and deceptive practices to commit a fraud on this complainant. Upon finally understanding the scope of this fraud legal counsel was contacted and he advised to contact the credit reporting firms and file complaint with the FTC. Upon inquiry, the CFPB appeared to be he government agency to contact. In summary, Macy 's is reporting that the balance has not been paid on the account. That is false. A check to them for the balance of {$32.00} was sent to them on a timely basis. They informed that they destroyed the check and seince then have continued to add late charges upon late charges driving the balance to a current total of {$170.00}. In addition, they have caused damage to my credit rating causing it to decline from a high of XXXX to XXXX. All the correspondence and details of this sordid matter have been fully reported to the credit reporting bureaus. They have now begun to harass me with having collection firms calling me on the matter. Worse, they wrote to me about providing a credit due to their error, but that was never realized. A through review of the correspondence, billings and payments will support my position on this matter. Macy 's needs to be prosecuted for their unlawful and fraudulent conduct. Please advise to where I should send copies of relative additional documents. I trust that the CFPB will find that their conduct has been unlawful and deceptive and find for this complainant. Sincerely yours, XXXX XXXX XXXX
Complaint sub-issue: Having problems with customer service

I received a call from ECMC on XXXX XXXX, 2015. I missed the initial call, and called them back a few hours later. When I got a hold of the agent who called me she began asking me for information about my mother. When I asked what the call was about she would not tell me. I expressed concern about giving her information with such a vague idea of who they were. The agent told me that my mother had listed me as a reference, and had given them permission to call me if they could not get a hold of her. I declined to answer the agent 's questions and asked her not to call me again. 

I called my wife later and she had received a call from the same agent. Similarly, the agent had told her she had been listed as a reference by my mother, and tried to use that to get my wife to give her information. I thought it was extremely unlikely that my wife had been listed as a reference, as my mother hardly knew my wife ( who I was my girlfriend at the time ) when she took out the loan. I called my mother, and she confirmed that she had never listed either of us as references. The agent had lied to us in an attempt to persuade us to give her information. 

I called ECMC back and asked to speak with a manager. The manager confirmed that the agent had used an internet lookup to find our phone numbers. I told them how concerning it was that their agent had lied to us. The manager assured me that they would take care of the matter. I received a message later that day letting me know they had resolved the issue by adding my phone number to their do-not-call list. 

I recorded both of the phone calls ( with the agent and with the manager ). ECMC has a warning saying their phone calls are recorded and there was no expectation of privacy.
Complaint sub-issue: Their investigation did not fix an error on your report

IN REGARDS TO : XXXX STUDENT LOAN AUTH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I HAVE SENT NUMEROUS OF LETTERS PERTAINNG TO THE VALIDATION OF THESES ACCOUNTS THROUGH CERTIFIED LETTER RECEIVED XX/XX/XXXX BY XXXX XXXX. THE ACCOUNT SHOULDNT BE REPORTING AS IT HAS BEEN TANSFERED AND SOLD TO ANOTHER LENDER THROUGH CONSOLIDATION. THEY ARE ALSO INACCURATELY REPORTING THE TERMS DURATION OF 144 MONTHS AS WELL AS THE DATE OF LAST PAYMENT XX/XX/XXXX AND THE DATE OF LAST ACTIVITY WAS XX/XX/XXXX. NOW HOW IS THAT EVEN POSSIBLE? THEY HAVE NOT COMPLIED WITH THE FTC NOR FCDPA AS FAR AS IM CONCERNED AND I AM CERTAINTLY OUTRAGED BY THIS.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem with statement of dispute

I disputed this account many of times. To verify my social and DOB and name is not validation to the debt. This account has been removed by XXXX and XXXX. I have made outreach to XXXX XXXX on XXXX/XXXX/16 and I never received any documents showing I owed this debt. I have sent screenshots of my communication with the collection agency. If they ca n't provide documentation then the account can not be reporting on my credit report. Anybody can say I owe debt and have my social name and DOB but with out proper documents what does that mean ... nothing I will show proof that I have reached out many of times to the credit bureau and the collection agency. Still to this day I never received anything. I was getting the run around about when they were being sent to me.
Complaint sub-issue: Threatened to sue you for very old debt

When the COVID first started, three weeks later I told them that my mother had passed do to COVID and said they was sorry and that, put lately they been forcing me to pay XXXX on a close account, after I told I couldnt afford it due to the money I have, but they keep trynna forced me to pay and they said they was gon na sue me if I didnt pay the full amount
Complaint sub-issue: Reporting company used your report improperly

My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.
Complaint sub-issue: Can't temporarily delay making payments

My son 's father passed away, I am XXXX years old and struggling. 25 % of my pay is already being garnished from my check ( 15 % ) goes to the Department of Education and ( 10 % ) goes to PHEAA as well as ANY tax refund is immediately sucked out and immediately send to the Department of Education. I have paid SOOO much money in interest, collection fees, etc. that I do not see any end in sight and I will NEVER get these paid off so I can start on this one. I had absolutely no idea that when I was helping my son go to college that I would be paying back 3 different companies. I feel like I was totally misled because I sent a request for aid to 1 place and 1 place only. The money came from place only. I have tried to get out of default by making double payments for several months, but I was lied to. They told me when I could only make an additional $ XXXX that after 7 months, they would look at my situation and I would have a new lowered payment ... yeah, it's now {$1200.00}! I don't even have anywhere close to that leftover after garnishments! I filled out an application with all of my expenses and income which came out to about XXXX! I have just gotten out of the hospital for an XXXX  and feel like I am being harassing every way I turn. If I had to do over again, I would have NEVER, EVER SENT MY SON TO COLLEGE BECAUSE IT IS KILLING ME!!! I have no more money. I barely have money for food!
Complaint sub-issue: Company closed your account

Optum bank closed my H.S.A account on XX/XX/XXXX. They checked in their records and they confirmed I did not authorize this. Optum also has withheld a {$220.00} deposit from XX/XX/XXXX and has thus far not returned these funds.
Complaint sub-issue: Information belongs to someone else

Hello XX/XX/XXXX and XXXX I mailed off letters responding to companies saying I owe them. I followed the law and they did not. Im asking for your humble assistance. Its been almost 3 months now. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These companies .Failed Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Complaint sub-issue: Debt was result of identity theft

I received a Notice on my credit report saying that I had {$98000.00} owed to a establishment called XXXX XXXX XXXX  in XXXX XXXX  Someone used my name and identity to cosign a lease. I filed a complaint with my local sheriffs department. They have a recorded statement for me under oath saying that I was a victim of stolen identity and my Personal information was used without my knowledge or consent. I have had some issues in the past with my identity being used to purchase other items. I was able to stop it from going through. I also have had a freeze on all three credit bureaus with my identity. XXXX XXXX XXXX never contacted me by phone for any other method and used the information given to them to be used for a lease application and as me as the guarantor of the lease. I do have identity theft with XXXX XXXX They have been made aware of whats going on. XXXX XXXX XXXX has failed to return my calls concerning this. I believe that my identity theft may be with someone in their organization. The phone number for XXXX XXXX XXXX is XXXX. 
My phone number is XXXX. 
Thank You for your help XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are XXXX accounts on my credit report that I have been disputing since XX/XX/2020 and nothing has been done no one is helping me the bureaus are completely ignoring my letters and my calls. I am getting tired of this and the run around I have opened up an FTC I have been contacting the bureaus and sending letters and I feel like they are not even looking at my letters or care. I need this taken care of since it is causing me great grief and problems in the family. These accounts are not mine and I dont know how else to say this. 
XXXX XXXX, XXXX. - Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$3900.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I sent in an inquiry dispute to XXXX  for 13 inquires and Equifax for 7 inquiries being reported on my credit report in error. Along with this letter, I sent in copies of return receipts to each creditor on my report reporting inaccurate information.. On XX/XX/XXXX I sent certified letters to all 13 and 7 creditors on my report requesting proof that I I signed or gave permission to anyone from there company to run my credit. After 30 days I received no response from none of the 13 or 7 creditors reporting on my credit report. On XX/XX/XXXX I also sent letters to both listed creditors and credit bureau.. requesting validation again no response from the creditors and a letter from XXXX   stating that inquiries will stay on my report for 2 years. This is not the proof requested in my dispute.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

DISCOVER Dropped case against me. 

Discover non-suited ; therefore, case has been dismissed against me. 
please remove from creit report, this is hurting my FICO score. -- please immediately remove. 

Thank you XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.
Complaint sub-issue: Account status incorrect

My Name is XXXX XXXX XXXX : XX/XX/XXXX i have XXXX accounts XXXX, XXXX that on my credit that XXXX shows open and XXXX is closed both with a balance and i have submitted a dispute for them and i have submitted prove that shows its a XXXX balance with no past due balance first dispute number i sent is Confirmation number : XXXX see attached is the results saying " A Temporary Update Freeze On File '' and i have attached prove that is XXXX balance and still came back i have contacted XXXX XXXX and they said they have not reported any thing since XX/XX/XXXX and have not received any dispute from equifax and they sent me report showing that XX/XX/XXXX was last time reported with XXXX balance. which is attached as well. called equifax multiple times as well and every time they tell me it's on XXXX XXXX and same with XXXX XXXX tell me it's on you guys that you need to fix what you are reporting. Finally, I submitted new dispute # XXXX that shows that they reported the last time on XX/XX/XXXX. Please help me. I need to buy a house and this is holding me back from doing so. I need the correct information to report as XXXX and no pass due My cell number is XXXX if you need any more information. 

Thanks XXXX XXXX Account # XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Information belongs to someone else

am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im trying to buy a house