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

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute thru Equifax on XX/XX/XXXX on a XXXX XXXX account for late payments. The dispute was closed on XX/XX/XXXX and Equifax is still reporting a late payment for XX/XX/XXXX. Equifax stated that my account was closed on XX/XX/XXXX per the company but I was still late in XX/XX/XXXX. I asked If I closed the account on XX/XX/XXXX why do I have a late payment in XXXX? She proceeded to say that its is XXXX XXXX who is reporting the late payment. I contacted XXXX XXXX  and they state it is Equifax that is reporting wrong information. Equifax may not be fully investigating the dispute. I would think someone would question if the account was closed in XX/XX/XXXX why is there a late payment in XXXX. I have filed several disputes through Exquifax for this account thru XXXXXXXX XXXX and it appears Equifax is not Fully investigated the dispute. 

Please see below the Company 's ( XXXX XXXX ) complaint response through Consumer Financial Protection Bureau verifying I have NO late payments. Compliant number XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX XXXX XXXX ( XXXX ) appreciates the opportunity to respond to the concerns you have regarding account ( XXXX ) XXXX. We have a more than 130-year history of quality customer service and satisfaction, and I would not want anything to impair that record. Our contact information is located on your retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letter. As a reminder, you may contact XXXX regarding questions about your purchase by calling our Customer Service Helpdesk at XXXX, or on-line at XXXX. We have investigated your concerns and as a result of our investigative measures, your complaint has been Closed with explanation. : 1. You paid the account balance in full in XX/XX/XXXX ; 2. There was a delay in closing the account ; and 3. XXXX  processed a manual AUD on XX/XX/XXXX to correct the credit reporting. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$120.00} due on the XXXX of each month. You made your final payment on XX/XX/XXXX ; however, there was a delay in closing the account. XXXX closed the account on XX/XX/XXXX. XXXX processed a manual AUD on XX/XX/XXXX to correct the delinquent credit marks that were assessed on the account due to the delayed closing. XXXX  processed a bullseye report on XX/XX/XXXX and confirmed that no delinquent credit marks are being reported on the account. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Account # : XXXX was opened in name without my consent. Therefore, this fraudulent account needs to be deleted and removed immediately from my Equifax credit report.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for ligation due to the XXXX you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Public record information inaccurate

I have filed complaint after complaint about this bk EQUIFAX REMOVES IT AND REINSERTS AT THEIR LEISURE ... adding inquiries i have no knowledge off as well .... this bk is not mine and equifax reinserted it with no confirmation this belongs to me i have attached a copy of the screen FROM THEIR WEBSITE WHICH STATES NO PUBLIC RECORDS YET I GET AN ALERT SAYING A PUBLIC RECORD WAS ADDED
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been contacted numerous times on this problem with online disputes in regards to below account. 

Personal Loan account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has indeed confirmed that there are no lates on this closed account with confirmation proof with dates of XX/XX/XXXX and XX/XX/XXXX with a manual submission of paperwork to Equifax on those dates. 

Equifax has refused to update their records to reflect this account with no late payments. Their records show a 30 day late payment on XX/XX/XXXX. There should be no 30 day lates on this account as shown by creditor above.
Complaint sub-issue: Information belongs to someone else

I was at XXXXXXXX XXXX XXXX today XX/XX/20 trying to buy my wife a necklace but I was denied from financing ; I was confused as to why I was not approved since I have always made it a priority to maintain good credit history. I looked through my credit report and I saw a few accounts that are not mine. The accounts are from XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have never opened any account with these companies and I did not allow anyone to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from these accounts such as money, goods, services or anything else and I never made any payments to these accounts. I am still trying to figure out who these accounts belong to but I have already filed a police report. I have filed this report to the best of my knowledge.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX XXXX # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt was paid

In XXXX and AXX/XX/XXXX XXXX did not post payments to my XXXX 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX   to prove those payments were made, in full and on time. XXXX charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, XXXX did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway
Complaint sub-issue: Didn't receive notice of right to dispute

I recently applied for a car loan and discovered IC Systems place a delinquent debt on my credit report. I was never notified of any such debt. I didn't even even have a chance to have them validate the debt. They need to remove this from my credit report and then notify me by mail at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, OH XXXX. Then we can proceed from there.
Complaint sub-issue: Information belongs to someone else

SOMEONE STOLE MY ID AND SOCIAL AND LATER OPENED UP ACCOUNTS IN MY NAME.
Complaint sub-issue: Information belongs to someone else

Equifax ( EQ ) is violating my rights under the FCRA. Over the last 3 months I've disputed XXXX XXXX XXXX XXXX ( XXXX ) Business credit card listed on my report. I sent the data furnisher requests to validate the account and they have failed to provide me any details verifying the legitimacy of the the alleged account. All correspondence sent to XXXX  was sent certified mail. ( which I have all records of their receipt ) I requested for proof that the account in question was valid and IF XXXX  were the holder in due course. XXXX failed to provide me any validation of the account. In my correspondence to XXXX, EX was carbon copied on each one. EQ did alleged did their own internal investigation of the XXXX  account. In their own investigation, EQ claims they verified the account. In each investigation where EQ claimed they verified the account, I have requested EQ 's method of verification. As of XX/XX/ they have still failed to provide any detail report on how they verified the XXXX  account. EQ has not provided me with any details on who they talked to, what documents were reviewed, where they found a signed legal contract bearing my signature, shown me a legal contract bearing my signature, etc. I have not received any type of information which would prove this account was valid & belong to me. 

Additionally, the alleged XXXX  account was opened without my knowledge, consent or authority & believe is fraudulent. Since EQ can not provide me ANY details to this matters I need this issue resolved using your assistance. EQ is in violation of Fair Credit Reporting Act 611 ( a ) ( 7 ). I lieu in my suing them for federal & state violations I'm requesting you can assist in getting the XXXX  removed from my credit. 

Lastly, XXXX has removed the XXXX  account without any incident.
Complaint sub-issue: Debt is not yours

i don't know who this company is and they are claiming it's kaiser debt but i pay XXXX directly XXXX, i don't owe them any money as i have always been current with kaieser
Complaint sub-issue: Confusing or misleading advertising about the credit card

Discover Company has been constantly sending me promotions and pre-approvals. I have a good standing credit score and have been getting an insane amount of predatory pre-approvals from the aforementioned company. I have finally decided to give in and apply for their credit card to be denied. While my understanding is that the pre-approvals do not mean guaranteed approvals of lines of credit afterwards, this type of predatory marketing behavior where a company gathers data out of hard credit pulls and markets heavily only to then negatively impact the consumer is a form of undjust enrichment and goes against " in good faith business ''. I have tried reaching out to the company to contact the credit bureas to get the inquiry removed, but they denied so. In the name of the consumer financial protection.
Complaint sub-issue: Information belongs to someone else

It has been a long time since I viewed my Credit Report and upon checking my Credit Report, I was appalled by the Credit Bureaus lack of concern with a consumer 's Credit File. I noticed many erroneous information being reported on my Credit Report. Im now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$340.00} MEDICAL DATA SYSTEMS I ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX Balance : {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I mailed a Multiple Inquiry Removal Letter by certified mail in order to dispute information, in regards to multiple hard inquiries that were being reported on my credit reports. They recieved this request XX/XX/XXXX and responded XX/XX/XXXX. The request that I submitted included the list of Hard Inquiries that were not factual and I received the same response for all inquiries, stating " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. Receiving a response five days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I did not inquire or signor give consent in any way for the inquiries and was looking for a validation into where they came from. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries and request that they be removed from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Complaint sub-issue: Reporting company used your report improperly

Good Afternoon, In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

I called XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law. There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. clearly put, LEXIS NEXIS fished for this negative bankruptcy information, then sold it to the credit reporting agencies to make money from ruining my reputation and ability to obtain new credit.
Complaint sub-issue: Problem making or receiving payments

XXXX : I opened a Regulation E claim with US Bank regarding a XXXX XXXX transaction the receiver did not receive. 

I waited 10 business days in order to receive written confirmation of my claim. I never received any written communication. 

I also waited for provisional credit since a resolution was not provided within the initial 10 business day period. I never received provisional credit. 

XX/XX/ : I called US bank and was transferred to a total of 4 people before being told that they could not assist me as the money was processed. I expressed again that the recipient did not receive the funds and asked where is the confirmation from XXXX XXXX confirming receipt. I was again told that they could not help me and to call XXXX. I spoke to XXXX at XXXX who confirmed that the claim should be processed by the originating XXXX Partner US Bank, not the receiving partner XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I have a complaint against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. I am a victim of Identity Theft and I have a Fraud Affidavit on file with the FTC. I sent in my Fraud Affidavit to Equifax on XX/XX/XXXX. I sent the same Fraud Affidavit to XXXX and XXXX at the same time and they have removed all of the Fraudulent accounts from my credit report but Equifax refuses to do the same. I have done everything they asked me to do. Equifax HAS removed three fraudulent accounts on my credit report, but they continue report the remaining fraudulent accounts on my credit report. Please Help!!
Complaint sub-issue: Public record

Bankruptcy filed in error and vacated credit bureau refuses to investigate and remove.
Complaint sub-issue: Their investigation did not fix an error on your report

I have XXXX account thta says charge off that is not true and XXXX  accounts i do not not reconized
Complaint sub-issue: Problem accessing account

I am writing to express my dismay ( and helplessness! ) upon discovering that since Friday XX/XX/2022, Citibank has blocked access to my checking account unceremoniously, without even bothering to notify me via email, phone call or text. 

For the record, as of Thursday XX/XX/XXXX, no issues were present and I still had access to my checking account online. To my surprise, as I logged into my checking account early on XXXX XXXX, I was shocked to discover that my checking account was totally off limits. 

Prior to my account been blocked, there was no indication whatsoever that my login credentials had been compromised, nor that an unauthorized person was trying to get access to my bank account. 

Not to mention the fact that, as a law abiding citizen that has never been involved in any type of illegal activities ( such as money laundering, writing bad checks, etc ), I do not owe any money judgements, student loans, nor do I owe any state or federal taxes. 

What's more concerning about this situation is that Citibank never bothered to contact me to inform me of any unusual activities on my account, or that my account was about to be blocked pending an investigation. 

I contacted customer service immediately via phone and social media ( XXXX ), and was told that the investigation unit that was responsible for blocking my account and that, since this is a holiday weekend, I had no other option that to wait until Tuesday, XX/XX/XXXX, to get in touch with someone from that unit to try to solve this issue. 

That means that I won't have access to my checking account for almost 5 days, with all the inconveniences that this entails. 

Needless to say, I am taken aback by the fact that a bank has the power to arbitrarily block a client 's account ( a good standing client at that! ) at any time without so much as a courtesy warning or notification. Is as if my primary checking account is been held hostage by Citibank without cause. 

What's more, I should have been notified if there was any suspicious activity taking place- which I wasn't. 

Again, I am surprised that Citibank, without so much as a courtesy notification, can block a customer from accessing his own money without cause or previous warning. 

I repeat : there's been no notification from Citibank that my account had been compromised, under investigation, or that suspicious activity was taking place. 

It's unconscionable that a financial institution can behave in such an egregious manner, imperiling someone's financial standing and highjacking my hard earned money without any consideration whatsoever. 

I would really appreciate if your office could help me unblock my checking account and investigate why Citibank decided to block my account without cause and in such an arbitrary way. 

This should not be happening to law abiding citizens! 

Thank you in advance for your consideration.