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

I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from Equifax showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.
Complaint sub-issue: Debt is not mine

This company popped up on my credit report out of the blue. They say I owe XXXX money which is impossible because I have been with XXXX for years and I would n't be able to continue service with an outstanding balance. I contacted XXXX and they have no record of the account. I attempted to get the account removed from my credit reports but they are saying the debt is valid. So if XXXX has no record and i am a current XXXX customer, and have been since 2008, how can i owe them money?
Complaint sub-issue: Account information incorrect

This acct was a secured XXXX XXXX card and they say i owe them and they are reporting this on my credit report and if it was a a secured card how can i owe them because the acct was closed in good standing and you could never go over the secured amount i have asked for documentation and they continue to refuse to give send it to me
Complaint sub-issue: Debt was paid

Bureau Name EOS CCA Original Lender XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Date Account Opened XXXX XXXX 2014 Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info
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 nameXXXX XXXX # XXXXhas 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.this is a Fraudulent account
Complaint sub-issue: Information belongs to someone else

There are items listed on my credit report that I have no knowledge of. This was a a result of malpractice or an error.
Complaint sub-issue: Old information reappears or never goes away

This is bothering! I have been disputing my Credit File for you to remove the fraudulent accounts and information you report on my Credit File! But despite my multiple attempts my Credit File still includes a number of fraudulent items being reported! I have been requesting that you send me copies of documents you found from your investigation supporting your claims that the disputed items belong to me, and yet I received nothing! It should have been expected that the disputed items be removed from my Credit File since you are unable to support your claims! I demand you to comply with the Federal law, Fair Credit Reporting Act section 605b, and remove the fraudulent accounts and information off from my Credit File. I need you to remove the following items : 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 You have been disappointing and failing me multiple times proving the rumors that you are not willing to execute your responsibilities! Under the Fair Credit reporting Act section 605b, I command you to remove the disputed fraudulent accounts and information off from my Credit File!
Complaint sub-issue: Debt was paid

This creditor has reported delinquencies on my credit that are in correct and causing harm to my credit ability. On the occasions ( which amount to XXXX ) that I credited the account in its grace period, I was assured by the company representative that it would not go against me and not be reported in my credit files.
Complaint sub-issue: Account status incorrect

I paid off 3 credit cards and they were marked as charged off from my credit the lines were closed however they are still marked as current and its hurting my credit. This was in 2017 and they are still on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Complaint sub-issue: Information belongs to someone else

I have two Accounts on my credit report that is Not mines. 

Account # XXXX Auto Loan is not my debt I called the Dealership informing them that I am not responsible for this debt. And to furnish me a letter bearing my signature that I open this account and XXXX could not verify. I had no job in XXXX when this account was open. No credit. No bank account. No co signer documented for this loan. So there is no way I received a car loan for XXXX XXXX 

Account # XXXX Debt Buyer is not my Debt Open in XX/XX/XXXX- I have proof that I was XXXX the entire year of XXXX. 

Requesting to get these false inaccurate information Removed from my credit report. & I would also like to Update my address and name. Because there are addresses on my credit report that I have not lived at.
Complaint sub-issue: Transaction was not authorized

XXXX XXXX,2020 {$1500.00} and XX/XX/2020 {$230.00}. I file a dispute with my bank for unknown charge not authorized by me, they gave me a provisional credit and months later they took the money out again and my account went overdraft, i have send documents to the bank to appeal the decision since i have not authorize those transaction and its been over a month and no answer from my bank.
Complaint sub-issue: Information belongs to someone else

Equifax permanently deleted and blocked the following account from my Equifax credit report between XX/XX/XXXX-XX/XX/XXXX. The following account and late payment is showing up on my Equifax credit report again : XXXX XXXX XXXX XXXX account number # : XXXX for {$5100.00}. I have no child/children. XXXX permanently blocked this account between XX/XX/XXXX-XX/XX/XXXX. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX.
Complaint sub-issue: Information belongs to someone else

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/2020 ;
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I called Citi XXXX on XX/XX/XXXX well before my payment was due XX/XX/XXXX and spoke with two different employees. I asked for some consideration since I have been a good customer of two months of deferral of payment since I do not have the resources. I am self employed and was sick for two months in the last 4 months with both XXXX and XXXX twice. Insurance companies who owe me fee 's of XXXX have thrown me behind. they said XXXX does not do that I would have to close my account and would be charged the same amounts each month that I would owe now. 
I said I do not have this money and it can not be taken out of my account and as soon as I knew what amount I could pay I would get back to them. 
On XX/XX/XXXX they automatically withdrew XXXX two months of fees from my account leaving me without a paycheck to pay my mortgage for the first time in two months and to pay my lease for my office and food for myself? 
I can not make this up and it is now plummetting me further into a crises.
Complaint sub-issue: Account status incorrect

I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My XXXX XXXX Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from XXXX XXXX for a Auto Loan of upwards of {$5000.00}. This is an error on the part of XXXX XXXX or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.
Complaint sub-issue: Received bad information about your loan

For approximately one year, I have been trying to certify employment with XXXX XXXX to track payments for the public service loan forgiveness program. Every time I sent in forms, their customer service would tell me either the form was never received or one of their employees entered the information incorrectly, or there was a miscalculation with the number of qualifying payments. Each time they told me they would fix it and contact me and each time I am never contacted. Every time I call in, there is a new problem. They are intentionally stringing me along to prevent me from qualifying for loan forgiveness. I have all the documentation to prove my efforts for approximately one year and they still have not accurately tracked my eligible payments. I have only worked in public service, so all payments should qualify. They are giving me approximately two years of payments yet I have been working in public service for almost 7 years.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX 2022 I sent letters reguarding inaccurate and unknown items in my credit report to this day over 27 days later I have not recieved a response yet. I feel I am being taken advantage of as well being ignored for my disptues. In Scetion 611 ( a ), it states that a failure to investigate these itmes within 30 days gives a reason for immediately removeal of these itmes from my credit report it has been 27 days and i have yet to hear anything. So these Items should be deleted promply. I request that these items be deleted immediately or I will file litigation due to the stress I have been caused by having false inaccurate infromaion reported on my credit report. I was also impacted by the equifax data brech and may have gotten into the hands of the wrong person
Complaint sub-issue: Debt was paid

Collector IC Systems is committing FRAUD. Debt collector attempting to collect old debt that was never owed - services were paid for at the time rendered. Collector FRAUDENTLY alleges that medical services provider recently engaged them to collect debt that was paid at the time services were provided over 4 years ago - collector was rude, attempted to employ confusing tactics to dissuade me from questioning them on the debt, and ultimately failed to provide any real information - collector attempted to hide behind medical privacy reasons for failure to disclose nature of the debt IC SYSTEMS IS COMMITTING FRAUD
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing in reference to XXXX, Equifax, and XXXX. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX  is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

Someone opened an account with Kikoff Lending that I know nothing about. I only know about it because it has made my XXXX XXXX drop over XXXX points. When you call kikoff, they have an answering machine that says to send them an email but no one responded to my email. The account is XXXX  days behind and it started in XXXX but I didn't notice it until it negatively effected my credit score. From what I can tell, it's only a {$24.00} debt. From what I read this company is supposed to help people with low credit improve their credit scores. All XXXX of my credit scores were over XXXX so I wouldn't have applied for that type of service.
Complaint sub-issue: Account information incorrect

I called this company out to perform maintenance on my unit, and ended up paying over {$500.00} for the service, and a part that was 'wearing out. ' Afterwards, I got repeated calls from the woman who answers the phone, angrily telling me my check bounced. I felt bad for the person who would eventually get that phone call - she had me mixed up with someone else, I paid with a credit card. Shortly after, the unit stopped working all together. This company gave a quote of more than {$6000.00} to replace my unit. I decided to get a second opinion, and was told that my 20 year old unit should be  replaced. I went with the second company. I naively believed that it was frustration that led XXXX to threaten to charge me for a unit anyway, and they did. XXXX XXXX XXXX submitted a charge for services / equipment not rendered. XXXX XXXX XXXX   AC unit charge, and now I am fighting a bill for over {$6000.00}!!! 
The company say I did not cancel the contract within 3 days, but that is not true. I did not get an AC unit from XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

I have asked both Equifax, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my Equifax report, and possibly all of my credit reports ( XXXX  and XXXX  )! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!
Complaint sub-issue: Problem getting your free annual credit report

My complaint comes to you after trying to obtain my free annual credit report from all three bureaus. This complaint is not about XXXX or XXXX XXXX ; this is all about Equifax. When I tried to pull my credit from annuall credit report.com the problem started there. I had no problem obtaining XXXX or XXXX XXXX ; however I was given a message to contact Equifax 's customer care. I was unsuccessful as well at trying to get into my account at Equifax 's site. The following are the steps that Equifax themselves gave me to verify my identity. I was sent multiple links to upload a picture of my drivers license which was unsuccessful with each attempt. My phone would capture the image and all I would receive was a " try again '' message which was done numerous times on different dates. I also was instructed by Equifax to submit for a verification code that I would receive in the mail. I did this as well and waited for the code to come and that also was unsuccessful when trying to use. Back on the phone again with customer care explaining that the code did not work just to be told that the only option that the computer was giving them was to send me the link to upload my Drivers License. I explained this was already done several times and was unsuccessful, but you can not argue with the people you are trying to get help from. I was sent yet another link and uploading my license did not work again, and again, and again. The same error " try again ''. This time the agent informed me that the only other option I had was to submit a copy of my drivers license and social security with previous addresses and a cover letter via fax or in the mail. The fax with all of the information was successfully sent to them as I have the confirmation. After waiting the appropriate amount of time after sending the fax and I reached out to Equifax they stated that they could not verify my identity. The customer service agent said the only other thing they could do was to send me another link for my drivers license to be uploaded ; which again failed. I spoke then with a " manager '' who I explained the whole situation to. He basically told me to resubmit the fax or mail this information. I asked him after jumping through all these hoops that they already asked me to do and none of them work including the fax that I had the confirmation that they received what good would it do for me to continue repeating the processes that get me no where. I asked him if I were to resend the fax ( which I am not comfortable with to begin with ) that I would probably be told that I would have to do that again too, to which he stated " probably ''. I have done everything this credit bureau has asked for other than submitting my DNA for verification and I have nothing to show for it other than hours of my time being wasted. I have had no issues with the other Bureaus and I think Equifax has something so messed up with my credit and no one can be bothered to help me.
Complaint sub-issue: Information belongs to someone else

PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE EQUIFAX CONFIRMATION NUMER XXXX FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX  XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED EQUIFAX AND XXXX AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Complaint sub-issue: Reporting company used your report improperly

Equifax gave me the message that my information may have been compromised in their most recent -- of multiple -- hacks. I went to get my 3 credit reports from the government website. The first would not give me it. The second -- XXXX -- has two CONSUMER REQUESTED inquiries from X/XX/17 and X/X/17 that I did not make. This concerns me and their tool for reporting an issue does n't have a section to report this type of issue. I believe anyone whose information was hacked in this should be given identity protection for far longer than 1 year as if you were a criminal with this information, you could simply wait 1 year and then do what you want with the information. This also means that verifying my identity with my financial institutions is a joke now because the information they use for that may have been leaked in this blatant disregard for data security. Why was this not salted and hashed? Why is it not mandatory that companies with this information do that? It 's not even a case where I or other consumers did something unintelligent. Instead, we have no control over the information Equifax has.
Complaint sub-issue: Didn't receive enough information to verify debt

I called this company early XXXX to send me a verification letter when I saw a debt on my credit report. I was met with disrespect and threats. I was also getting calls all day long every day. XX/XX/2021 I sent a letter by certified mail asking for a verification letter and for them to only communicate through written correspondence. Their calls continued and debt was briefly removed and then re-added to my credit reports and I have yet to receive verification. The Fair Debt Collection Practices Act states that it is my right to have a debt that can not be verified within 30 days removed. It is long past the 30 days and this is damaging to my credit.