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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX : XXXX -- -> : {$7100.00} XXXX, XXXX : XXXX -- -> : {$270.00}
Complaint sub-issue: Information belongs to someone else

Ive contact XXXX, XXXX and Equifax to fix this error of an account that I asked to be removed they did not verify any information that the account was mines like I asked. They sent a letter stated that it was not removed.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX I contacted Equifax, XXXX, and XXXX  in regards to Inquires being placed on my Credit Report that I DID NOT AUTHORIZE. Even after contacting the Bureau I'm still getting alerts stating that Creditors are accessing my Credit File without my consent. I have placed a Freeze and Fraud Alert on my Credit File along with my Contact Number in which Creditors are suppose to contact me at the number listed to verify my Identity, but NO ONE has contacted me. I disputed the information with each Credit Bureau and was told about the investigation process. I sent them a copy of my Police Reports along with a Copy of my FTC Identity Theft Report, Copy Of My Drivers License, Social Security Card and Utility Bill to add with my dispute. I decided to contact the Creditors that we listed on the Reports individually. Each Creditor I spoke with had NO KNOWLEDGE or account under my name or Social! I have since received notices via mail from the Creditors stating that they have contacted the Bureaus to have the information removed from my Credit File. I have direct contact and letters stating the information should be removed, but why hasn't it been removed as of date from my Credit File. XXXX has removed the information from my file as of XXXX, but Equifax and XXXX  has not. The Inquires are EQUIFAX XXXX XXXX - XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 XXXXXXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

On or about XX/XX/XXXX, an agent from your firm contacted the consumer in the evening from a spoofed local area code. The spoofed number was ( XXXX ) XXXX and your firms principal location of business is in Massachusetts. The number should not have an Oregon area code ; it may be an 800/collect call area code. The FCC strictly prohibits spoofing the caller ID of any phone call regardless of business or personal use excluding certain state or other public sector entities. The number for your firm as posted on your website is ( XXXX ) XXXX. After a quick search, I am unable to find entity named XXXX registered with the secretary of state for the state of Oregon. Typical scam callers use a technique called neighborhood spoofing where they use a VoIP system that routes the call with a spoofed caller ID of the area where the receiving party resides to increase the chance of the recipient picking up the phone. This is a clear red flag. 
Second, on or about XX/XX/XXXX during the same call, the agent failed to disclose the standard disclaimer that this was collections call as required by the FDCPA. The agent did not give an acceptable response from I raised the point. My instinct kicked in regarding the fact that this may be a scam. I terminated the call and made a return call attempt approximately 1 hour later after calling XXXX. XXXX was able to verify that an account was made for the address but that it was canceled with no past due balance. When I called the spoofed caller ID number, I got an instant connection to an agent and therefore was not warned that the call may be recorded or to select a language and or be given a voice greeting indicating the name of the firm. Most scam call centers instantly connect the collar to an agent instead of going through an IVR or interactive voice response menu tree. So therefore, this raised another red flag. 
The alleged debt is regarding an account for DSL internet service between the consumer and XXXX. In or around 2017, a technician was scheduled to connect service to apartment XXXX in the XXXX XXXX apartment complex. I was at the time a XXXX for XXXX and understand that most ISPs charge a modem rental fee to lease the equipment that connects the customer premise to the network of the ISP. Prior to scheduling an installation for service, I purchased a suitable DSL gateway that was listed on the compatibility list for XXXX. The first service tech was unable to tone the line from the apartment to the telco demarc. I got permission from the property management to run a Cat5e gigabit cable to the telco demarc because the tech was not able to run a wire without permission. A second install tech was dispatched to the same address and was able to tone my line to apartment XXXX but was unable to tone the direct bury line to the street pedestal. As a result, I called to cancel services and called again after receiving a first bill. The XXXX agent said I did not need to worry about any unpaid balance because the service was never hooked up.
Complaint sub-issue: Investigation took more than 30 days

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, Key Bank 's website was down when i tried multiple times to make my payment ( {$620.00} ). I spoke with a customer service representative about it and they told me they would " bullseye '' the 30+ days past due on my credit report. It is nowXX/XX/XXXX and it is still reporting 30+. I have spoken to multiple people at Key Bank as well as sent SIX credit dispute letters/emails. Key Bank has not acknowledged ANY of my correspondence. If you look at my payment history, you will see I have never been late in the ten years since I opened the account. Please help!!! 

I have attached the most recent correspondence sent to Key Bank. 

Best, XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Received bad information about your loan

On XX/XX/22 - I called Mohela at XXXX and was on the phone for 1 hour and 19 minutes. During that time, I spoke to one person who told me my XXXX employer certification was not qualified because the signatures were not legible. How is a signature legible? It is a signature. The form is attached and signed by the HR representative of the XXXX XXXX I have worked in for the past 7 years.These forms were already approved by my previous lender XXXX. I asked to speak to a supervisor and was put on hold for over an hour. Nobody answered and when I called back the call center was closed.
Complaint sub-issue: Information belongs to someone else

This company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}
Complaint sub-issue: Public record information inaccurate

On XX/XX/2020 I filed a complaint with cfpb in regards to Equifax reporting an inaccurate, incomplete and unverified bankruptcy on my credit file. On XX/XX/2020 Equifax stated that they verified the bankruptcy information as being accurate with the information furnisher and that they would mail me the results of their investigation. In the results that they mailed to me, they stated that XXXX XXXX furnished the bankruptcy information and that it was accurate. However on XX/XX/2020, I received a letter from XXXX XXXX stating that they had deleted the inaccurate bankruptcy from my file because of the inaccuracies that were found. How is it possible that Equifax conducted a proper investigation if the public record furnisher has deleted this inaccurate information from their files due to multiple errors.
Complaint sub-issue: Information belongs to someone else

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. 
Please 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.
Complaint sub-issue: Account status incorrect

the loan was paid off but XXXX. and XXXX show negative. from XX/XX/XXXX to XX/XX/XXXX no payments were late or missed.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. Equifax are required to authenticate the account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Deposits and withdrawals

I opened up a bank account on or about XX/XX/XXXX of XXXX shortly after i deposited 2 employment check one in the amount of {$3000.00} and my bf current employment check in the amount of {$490.00}, i had a usps  money order i had purched so i also deposited that in the amount of {$990.00}. i with drew only {$100.00}, and within a day or so i went to the store and my bank card didnt work, so i called down to the bank since the customer service would not speak with me reguarding my own account. I took off work and went into the parlier ca # XXXX office to speak with the mamnager, he told me all my fund were no good and they were bad, i told him impossible because my bf emoyler i just got off the phone, and they are good plus my money order i purchese from the post office myself. He refuse to give me any print out or even the copy of the checks. later on that day i imeditaly started recieving notifacation that my acciunt was fundswere getting withdrew, i tried calling but customer service wouldnt talk to me about my account, yet i keep getting a statement showing funds being removed. how is that if my accountwas locked.. and if my checks were bad then why dont i owe the whole ammont but just {$1200.00}? I know this bank is doing something fraudly and took my hard earned money please help.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted Equifax numerous times about a credit card that was incorrect on my credit report. I was ( without my knowledge ) added as an authorized user on the credit card which had two late payments in 2019. Both XXXX  and XXXX  have both removed the account from my report, but despite multiple attempts ... the account remains on my Equifax report. 
Equifax even asked if I had any supporting documentation ... to which I replied : How would I have any supporting documentation? This was not my account. I've never received a bill, card, or any other info. I only knew about it from it showing up on my credit report when I was working on getting a loan. 
This is, in my opinion, a failure by Equifax to follow the dispute process that a consumer should be allowed and furthermore poor service of their duties to accurately report information.
Complaint sub-issue: Information belongs to someone else

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Problem with fraud alerts

There is a XXXX credit card open in my name that I never applied for and other inquires that I never applied for showing up on my credit report.
Complaint sub-issue: Application denied

This bank is crazy and unfair with me they are violating fcra laws they are rude to me tell me weve ended credit relationship this is so unfair in the past they would Close all my accounts out because of tok many now I cant have one this is not fair when they are harassing me sending me promotional emails to apply and earns miles and gas
Complaint sub-issue: Investigation took more than 30 days

the company Factor trust has a non working number and will not respond to any disputes abount infomation i disputed on my report
Complaint sub-issue: Information belongs to someone else

I already reached out to Equifax and to XXXX XXXX and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received.
Complaint sub-issue: Indicated you were committing crime by not paying debt

On XX/XX/2018, I acquired through a company called Aqua Finance , Inc 3 items for my house, a water filter, a water shower and an air filter ; I signed a contract with them that said I have 3 days to return the items. 

My bank information was given to them and I authorized them to proceed with automatic debits for the payment of these items. 

The problem is that within the 3 days of the contract, I didn't have any problems, but about a week later, the water that came out of the filter, had a bad tasting and smelling water. I called the company and they said I have to change the filter. I told them the filter is supposed to be brand new, I shouldn't have to change the filter yet. They told me to contact the manager but he was not present at the moment. 

With that experience, I didn't want to open the box that contained the second item, the air filter. I got a distrust feeling regarding this Company. 

I emailed the company, explaining to them my problem with the water filter and offering to return the items because I didn't want to keep paying a big amount of money for low quality items. They told me they can ' t take the items back and kept sending me the bill with the accrued interests. 

Now, my credit is affected due to this situation
Complaint sub-issue: Didn't receive enough information to verify debt

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with JEFFERSON CAPITAL SYST plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1200.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My identity and credit card information was compromised, and several inquiries and credit accounts were created without my knowledge or consent. I have placed a Fraud alert on my credit profile as of XX/XX/2020, however the following creditors requested hard inquiries for my credit report. Please verify and prove to me that I did in fact apply for credit, or please remove the hard inquiry effective immediately as it is hurting my credit score.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$520.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX 2017, my Citibank XXXX ending in XXXX was part of a data breach at XXXX XXXX. I cancelled my card XXXX XXXX, XXXX when suspicious charges began appearing. At the direction of Citibank, they said not to contact any merchant and that they would cancel my card and send out a replacement. They said cancelling the card will eliminate any charges set up as recurring from continuing on my new card. In the months of XXXX, XXXX and XXXX, one charge keeps showing up on my card ; XXXX XXXX XXXX XXXX XXXX XXXX for {$150.00}. Each month I have had to explain the problem and request the charge be cancelled. I do receive a credit but the charge appears the next month. Today I called and was told that Citibank did not follow their own process for recurring charges and that they will have to cancel my replacement card and issue a new one to eliminate the recurring charges. Im requesting that Consumer Financial Protection Bureau contact Citibank to ensure that the problem of a recurring fraudulent charge is resolved permanently.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX I pulled my free XXXX XXXX XXXX. After going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX  account opened XX/XX/XXXX with charges exceeding {$5000.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1300.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$6100.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1100.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}. I have filed a complaint with the FTC, please see attached complaint report.
Complaint sub-issue: Didn't receive terms that were advertised

Reference : CFPB Case No. XXXX I received a letter from Citibank ( XXXX XXXX ). 

At no time for the promotion was I advised that there was a " Know Your Customer Program '' for purposes of marketing strategies to understand clients financial needs which required a series of personal financial questions which was not the business of Citibank nor did I wish to answer. 

This should have been disclosed ahead of time not lure people in with a bonus for a checking account and then get a run down on all their personal and private information. 

This is deceptive and a hardship to people who need to arrange transportatation to the bank,. etc.. Banks give you the option of opting out of sharing information with third parties or not engaging the help of financial advisors. You do not automatically get set up like this without the permission and disclosure to the customer. This is a disgrace for Citibank in keeping customers in the dark ; manipulating customers and not disclosing the truth about promotional offers ahead of time but only after they make a complaint on their deception thay mail you 8 pages of fine print..
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In XX/XX/XXXX, I wanted to lift a credit freeze I placed with Equifax so that I could order digital tax transcripts from the IRS. This requires the IRS to perform an identity check using my credit history. I found out then that Equifax has changed their process from PIN-based to user account based. I attempted to create a myEquifax account, but I was met with an error message stating that Equifax is unable to verify my identity and the I would receive a special code through the mail. 

About 2 weeks later, I received a letter with the verification pin from Equifax and attempted to create an account again. However, after submitting my information and the verification pin, the my.equifax.com website displayed a message saying that my registration is not possible to complete and that I should call their customer support at XXXX. I did that and a representative told me that she was unable to verify my identity and requested that I mail them a letter describing my problem and my personal information along with a copy of my driver 's license. 

I sent the letter along with a copy of my license on XX/XX/XXXX. I had not received a reply by XX/XX/XXXX, so I decided to send a follow up letter ( along with copy of license ) that day. I mailed both letters to the address the phone support specialist told me and that I verified online : Equifax Customer Service, Equifax Inc, XXXX XXXX XXXX, XXXX, GA XXXX. Today is XX/XX/XXXX and I have not received a response to either letter. 

Due this problem, I am unable to lift the credit freeze I placed on my credit history in XXXX. This has inconvenienced me so far by : - being unable to verify my identity with the IRS and request digital copies of my tax transcripts. 

However, this will create bigger problems for me in the future, such as : - inability to pass a credit check for renting an apartment. 
- inability to pass a credit check for purchasing a new car or house. 
- inability to verify my identity with other government agencies, eg. USCIS. 
- inability to sign up for a new credit card. 

To that end, this issue can create a number of difficulties in my life and that of my family. Unfortunately, I have exhausted the ways that Equifax makes available to get support with their product and I am forced to lodge this complaint with you, the CFPB.