Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX on. XXXX  completed their research on XX/XX/2020 and determined that XXXX XXXX was not established by myself but XXXX and Equifax keeps verifying this accounts. Also, when I called the company they responded that XXXX or Equifax did not send them all of the verifying evidence to confirm each account is unverified
Complaint sub-issue: Didn't receive enough information to verify debt

LJ Ross send a notice on XX/XX/2022 that does not comply with 12 CFR 1006.34 The notice does not include the account number provided by the creditor the purpose of which is to permit the accused debtor to identify the debt per 12 CFR 1006.34 ( c ) ( 2 ) ( iv ). Instead it only includes the optional reference code permitted by 12 CFR 1006.34 ( d ) ( 3 ) ( ii ).

The notice does not include the name of the creditor per 12 CFR 1006.34 ( c ) ( 2 ) ( v ). Instead, the notice provides a name that is not a legal entity under Michigan law. 

For example, while the notice references " XXXX XXXX XXXX XXXX XXXX '' there is no corresponding amount due on the purported creditor 's accounts with XXXX XXXX so the actual creditor must be a different entity than XXXX XXXX proper. 

From the provided information, the purported debtor is unable to identify who the creditor is or any account number to reference in order to attempt to correlate the notice with a statement or creditor. 

The undersigned has been in contact with XXXX XXXX proper for over six months regarding insurance billing errors on the part of XXXX XXXX which have still not been resolved and have been provided representations that until resolved accounts would not be sent to collections. The creditor would provide partial payment for amounts not in dispute, however XXXX XXXX will not allocate payments to certain designated invoices and for that reason the creditor is unable to pay because payments may be applied to disputed amounts.
Complaint sub-issue: Account status incorrect

This incorrect information appeared on my account in XXXX. 
Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX - Company Sold-to SOLD TO ANOTHER LENDER
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

Please see Complaint ID XXXX I was being informed that due to accounting error by the loan servicer, I am being charged for interest that was not previously disclosed to me. To date, loan servicer refused to take any responsibility for their own accounting mistake and poor communication. 

I hereby request a detailed accounting of the time, amount, and reason the original account balance was calculated, a detailed report and explanation of the mistake that was made by the loan servicer, the corrective action performed, and the justification that the interest ( accrued while I am not aware ) should fell on me. 

The report made by the servicer is ambiguous and unacceptable. *Please see their response attached. * It reflects no history of payment, no table of principal and interest paid down, and does not justify their response. 

This is fraudulent behavior and I would like to invite additional investigation and government oversight into this company. I don't know how many others are being told the wrong information on their financial accounts and are paying for the servicer 's accounting errors.
Complaint sub-issue: Investigation took more than 30 days

I have sent a letter on XX/XX/XXXX to dispute inaccurate information on my credit report and it has been past 30 days and I have yet to receive a response. I have also sent an additional demand letter on XX/XX/XXXX requesting they follow up and still have not received any feedback and to the issues, I am having. I am a victim of identity theft and, someone has been utilizing my name, which prompted me to dispute the items on my report in the letter.
Complaint sub-issue: Can't close your account

It has been nearly impossible to close my accounts with this so-called bank. Multiple attempts over the phone in the span of several weeks, speaking with multiple people and departments. Despite verbal confirmation that the accounts were closed, they all still show as active online. This applies to credit and checking accounts. I have contacted them at least five times to request my accounts to be closed, and they deceivingly confirm that they have been closed, when they in fact have not. Lowest-level financial company that I have ever made business with.
Complaint sub-issue: Reporting company used your report improperly

Equifax was the victim of a large scale data breach that resulted in my and others identity and other information being stolen. This is due in part to gross negligence on their part in the realms of consumer protection and information security. Because of this negligence millions of people have been compromised and will likely suffer a great deal of hardship, all of which was entirely avoidable if proper attention was placed on safe guarding consumers and their data.
Complaint sub-issue: Investigation took more than 30 days

I have filed disputes with the credit bureaus and still have not receive anything from them. I understand they are in a state a different state then me but still should not take more then 30 days to reply to my requet.
Complaint sub-issue: Information belongs to someone else

I would like to complain about unknown accounts in my profile. I am victim of identity theft and someone just used my personal information and filed this accounts. This is inaccurate information that does not belong to me. I am not related to any of these accounts at all. Therefore I am asking you to remove it and to do it as soon as possible. 

Thank you )
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Didn't receive enough information to verify debt

I have made multiple attempts to verify that this debt is mine or owed and have not been able to get XXXX or Mobiloans to verify this debt yet this debt was reported to XXXX.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Information belongs to someone else

fcra violatons never late : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310000.00} Status Open. 
XXXX/XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$510.00} Status Open. 
XXXX/XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Open. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 




not mine fcra violations : Account info Account name XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$360.00} Credit limit {$15000.00} Highest balance {$15000.00} Terms NA not my address remove only what requested : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
1. XXXXr XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXX/XX/XXXX
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I was contacted by a collection agency about a debt in collections from Discover of XXXX. I had not knowledge of this debt. I disputed it and a fraud case was opened. 

The week of XX/XX/2022 I contacted XXXX for an update on my dispute case. I was told it was discovered as a valid debt from Discover and collections was being sent back to them. 

On or around XX/XX/2022 I contacted Discover and Discover XXXX at the request of Discover to review my findings and request where to send this information. I was passed around to several departments. Some of which could not find my name and this account in their system at all. I also requested several times that the fraud case be reopened and that info sent to XXXX. As of XX/XX/2022 that had not been done and the account had been turned back over to XXXX ( per my call to XXXX at XXXX ). XXXX took my information and resubmitted it back to Discover as fraud. He provided an email at XXXX for me to send this additional information to as well. 

Also to note in my calls on or around XX/XX/2022 I requested to talk to the case XXXX, XXXX several times. Attempts were made to transfer my call there. They were unsuccessful due to phone issues. I was told to call back as she was at lunch, but she was also going into a meeting at XXXX central. I called back before her meeting. Again I was met with phone issues. I requested a call back from XXXX to go over the next steps I needed to take and update her on what I had found. I never received a call back. I then contacted Discover Security, which lead me to several different departments with no resolution or way to send my information to them. I was told to contact Discover Security again by the last person I talked to. I contacted Discovery Security again today, and the number I was given by XXXX was incorrect. An attempt to transfer me from the credit card division to the loan division was then disconnected. I called another number Discover had given to me. I was given the website to upload this info to and told my info would be passed along to a XXXX. I will be submitting all information via that website. A new case was opened ( XXXX ). I requested all information be sent to me on this account again. 

I have a XXXX XXXX report showing that no account numbers given to me by both XXXX and Discover have ever been open, closed or held in my name or social security number. I have a letter from my bank stating the same thing.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I sent a letter to the XXXX to notify them that there are some inaccurate accounts as a result of a data breach on their credit report for me. This is well over 45 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are several companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. Please see the attached affidavit and information sent to XXXX.
Complaint sub-issue: Not given enough info to verify debt

They sent me a letter saying i owe a debt for a cell phone. i sent them a letter telling them to verify debt with signature, they have not responded.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I started receiving e-mails from XXXX XXXX  and XXXX XXXX on XX/XX/XXXX that changes had been made to my profile information. When I signed into my accounts the address, phone and e-mail had all been changed. I have checked all of my profiles and found that they have also done this to my XXXX XXXX, and XXXX XXXX, Equifax, XXXX XXXX XXXX account. I have called all of the affected credit card companies to report the fraud and cancel the cards. I have reported the fraudulent information to XXXX and they have deleted all errors. I can not reach Equifax or XXXX by internet or phone. I have attached a list of all the accounts that were affected. I also took screen shots of the accounts that they had changed my profile in. I will attach some of those as well. 

There have been many attempts to open credit cards and loans using my identity and twice they have gone into XXXX to change my address. This address also shows under my addresses listed on Equifax and XXXX. I have attached a list of all the accounts that they tried to open. 

I believe my identity theft is due to the Equifax Breach. Although my first indication that something was wrong was on XX/XX/XXXX, the first fraudulent attempt to open an installment loan was through XXXX XXXX XXXX on XX/XX/XXXX. 

I have created an identitytheft.gov account. My FTC Report Number is XXXX. I am not attaching that report because it has personal information on it. 

I have placed a 90 day fraud alert at all Bureaus. I have placed a freeze on my account with XXXX. I can not access my XXXX account due to tampering therefore I can not freeze that Bureau. I can not access Equifax by phone or on-line to freeze that Bureau. I have called and spoken to someone at Equifax whose sole purpose is to tell you to go to XXXX XXXX XXXX. I had done that when the breach was announced and then tried to enroll on the dated given to me of XX/XX/XXXX. On XX/XX/XXXX, I received my e-mail to access the TrustedID Premier Account, but I receive a Credit Lock Status Error. 

I have reported my identity theft to the XXXX, XXXX Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX. I have reported my identity theft to the XXXX, XXXX Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX ext # XXXX. 

The fraudulent address, phone and e-mail are : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX This is an e-mail account that I never created
Complaint sub-issue: Information belongs to someone else

Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. 


This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
Complaint sub-issue: Account status incorrect

ATTACHED I INCLUDE THE CREDIT REPORT OF A ACCOUNT THAT STILL REPORTING OPEN WHEN THIS ACCOUNT IS CLOSED SINCE 2018 ELIMINATE THIS ACCOUNT THAT IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Complaint sub-issue: Information is not mine

Describe what happened so we can understand the issue ... 

Equifax has a fraud alert on my credit report and there is no way to remove it! 
They purposely rig their website to frustrate you so you will give up and not challenge the negative or bad things about you. 
I need the fraud alert removed at once or face law suit and FCRA violations in XXXX County, TX. 

Alert ( s ) File Blocked For Promotional Purposes Fraud Alert File Blocked For Promotional Purposes File Blocked for Promotional Purposes Expiration Date : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Address : Phone : Phone : Phone : Comments :
Complaint sub-issue: Can't get flexible payment options

I was unemployed twice, once in XXXX and once in XXXX. I am employed now, but have crazy daycare expenses as I am a lone parent with only {$XXXX} of monthly child support. After mortgage, childcare, transport, food, and child related costs ( clothes for eg. ), there is very little left. I have written, called, provided documentation, even copying the White House, to propose an amount I can afford. and I get met with bureaucratic resistance from AES. XXXX has extended a forbearance to give me time until my son is in XXXX. AES wo n't even respond.
Complaint sub-issue: Information belongs to someone else

I was recently just released from prison, after 8yrs, only to find out that I been a victim to identity theft, my personal information has been seriously compromised and has left me in a rut. After reporting this thru the proper channels, I begun familiarize my self with the rules and laws of the FCRA. However, I chose this way first, demanding that the following unauthorized accounts be removed and blocked from my credit files. With Respect. 

1 ) XXXX XXXX XXXX {$630.00} 2 ) XXXX XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   {$720.00} 4 ) XXXX XXXX {$2100.00} 5 ) XXXX  {$750.00} 6 ) XXXX XXXX XXXX  {$240.00} 7 ) XXXX XXXX XXXX {$2000.00} 8 ) XXXX XXXX XXXX  {$510.00} 9 ) XXXX XXXX XXXX   {$180.00} 10 ) XXXX XXXX XXXX  {$270.00} 11 ) XXXX {$11000.00} 12 ) XXXX XXXX XXXX  13 ) XXXX  14 ) XXXX XXXX XXXX XXXX  15 ) XXXX XXXX XXXX  16 ) XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : The XXXX XXXX XXXX, XX/XX/XXXX, {$360.00}, XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, and XXXX XXXX XXXX, {$7500.00}.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX around XXXX I made a check and cash deposit at the ATM, I have made big deposits before so I have never had anything like this happen to me. 
When I deposited the checks everything was okay but when I made the cash deposit ( {$700.00} to be exact ) the machine locked up and the screen went blank and asked me to call PNC. I waited at the ATM until I got a representative on the phone to see if they could send someone out to get my money. They advise me I could leave and that the money will be counted and replaced into my account. Come XX/XX/XXXX PNC then takes the {$700.00} out my account saying no error was found? 

I called my local branch they are getting the escalation department involved but in the meantime the customer service rep files a second dispute. 

On XX/XX/XXXX after XXXX of playing phone tag with the escalation department I am then told since the second dispute has been filed we will need to wait for the outcome. PNC bank has access to all of my information and now I feel like they are holding my business funds and this is not okay. I also have to wait an additional XXXX days for this outcome. I need to report this bad business practice so others can know what to do it this happens to them.