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

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Complaint sub-issue: Information is not mine

Back in XXXX of this year I pull my credit report I notice several things that did not belong to me. I reach out to the companies by mail some of the items were removed and some where not. I have submitted to Equifax over and over over again to remove the inquires and accounts that are not mines. Along with please removed the double account. Equifax say they investigate the issue they do not I know this because I disputed XXXX account that was not mines and the company removed it. Before I disputed with the original company I tried with Equifax and they sent me a letter telling me this was my account when indeed it was not. Also Equifax have my credit profile with double accounts XXXX listed a bill for for XXXX dollars XXXX times - XXXX XXXX has listed a bill for XXXX times for XXXX dollars. XXXX listed a bill for XXXX once all is showing this was open in 2015. XXXX has list XXXX bills for XXXX and XXXX bills for XXXX listed XXXX times. XXXX I disputed with them a few years back and they fail to investigate and respond to consumers to within the 30-day timeframe. I wrote them again in XXXX 2015 they could not even validate they just send a letter back to me. Also under XXXX XXXX XXXX the collection company have listed XXXX XXXX times and XXXX XXXX times and XXXX XXXX times and I reach out to them and these debts they are not showing me in the information they mail me. Also Equifax has XXXX accounts listed in open collections. XXXX - XXXX is listed as open when indeed XXXX sent me a letter back in XXXX or XXXX where they could not validate this to be mines and the letter states they would close this account - I sent the letter to Equifax twice I just sent the letter again on XXXX I sent the letter to XXXX and they did close the account. Equifax has XXXX open collections on my credit profile and my credit score of XXXX. XXXX has XXXX open collection with a credit score of XXXX I still show XXXX XXXX on my profile just not close. I have also request by writing to XXXX and Equifax to remove the dispute status off each account I disputed and they did not properly investigate and remove this never happen. XXXX is totaling to show XXXX and Equifax shows XXXX in debt. I also will like to file a complaint against the collection company that has double jeopardy this has ruin my life. I can fax you letters and any proof needed. I did not want to go this far in filing this. However each and every one of the Credit Bureaus list what they want to and do not investigate anything. And Experian I seen so much on that report I never even seen before and so any inquires. I have sent a police report showing that my computer was hack a few years back and the hacker got all my store personal information and still these credit bureau companies will not help. And these collection companies are double jeopardy me they keep listing the same account can be reach at XXXX. I can not attach my proof I 'm currently at work If you have a fax number or email I would love to send you the information. 


Thank YouXXXX XXXX XXXX XXXX XXXX, Texas XXXXXXXXXXXX
Complaint sub-issue: Debt resulted from identity theft

I am getting a bill form Alliance One who bought a debt from XXXX that also not my account and I have disputed this account with the credit bureaus and it was deleted. Now Alliance One wants to buy debt and try to come after me and jepordize my credit.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent a letter regarding an inaccurate 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 ), It 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 or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Account information incorrect

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

XXXX is a creditor as defined by 15 USC 1692a ( 4 ). 

XXXX alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

XXXX is a corporation whose residence is in the state of PENNSYLVANIA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account since XX/XX/XXXX and XX/XX/XXXX 

XXXX has failed to supply any record of payment under the original creditor XXXX XXXX as requested and has not verified the claims of the late payments. 


ALLEGATIONS/COMPLAINT : -XXXX in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. 

-XXXX in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- XXXX has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.
Complaint sub-issue: Information belongs to someone else

Theres several errors on my credit report that need to be removed immediately. I've contacted Equifax a few times but still dealing with the same issue.
Complaint sub-issue: Was not notified of investigation status or results

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Complaint sub-issue: Reinserted previously deleted info

I received a XXXX showing the cancellation of the balance with my creditor. I disputed the balance on my credit report because it was still showing the full balance when it should now show as zero. I received notification on XX/XX/2016 with a letter dated XX/XX/2016 that it was investigated and the balance was set to zero based on the info I provided. Then on XX/XX/2016, they changed the balance back to where it was before. No notification. I only found out because of a credit alert with another company. They also somehow changed my last name to a typo. Not sure where they got that information.
Complaint sub-issue: Investigation took more than 30 days

Please Please Please Help Me I have submitted dispute letters to XXXX XXXX asking for incorrect and inaccurate information to be investigated and removed. THEY WILL NOT COMPLY with the law of FCRA. its been 45 days and no response. i have asked for names/addresses of entities reporting inaccurate info on my consumer report for 3 years now and i haven't been given no response to my request. Example : if XXXX Co submits reports on me then i need to know its XXXX XXXXand there address and phone contact. Equifax responds to me 3 months later after i requested a investigation into a child support on my consumer report with " The Child support on your report has not been changed because the Company '' that reported it verified its accurate ''. Child support doesn't submit ANY info to consumer credit bureaus. So who is this " Company '' Equifax is referring to. AND WHY IS EQUIFAX BEING SECRETIVE ABOUT WHO IS REPORTING INACCURATE INFO ON MY CONSUMER REPORT. AFTER I HAVE ASKED FOR INFO/COMPANY/ADDRESS/POINT OF CONTACT BUT EQUIFAX IS REFUSING/AVOIDING TO FURNISH THIS INFO TO ME THE " CONSUMER '' Equifax SOLE PURPOSE IS TO FURNISH UNVERIFIED INFO ON A CONSUMER REPORT WHERE ITS A VIOLATION OF THE LAW CAUSE THEY ONLY SEEK A PROFIT FROM REPORTING. CAN YOU PLEASE HELP ME OR PLEASE PLEASE PLEASE REFER ME TO LEGAL COUNSEL ASAP. ENOUGH IS ENOUGH. I REFUSE TO LET EQUIFAX TO CONTINUE RUIN MY LIFE FOR FAILING TO " OBEY THE LAW ''. i HAVE ATTACHED LETTER THAT I SENT OFF ON XX/XX/2022 AND IT IS NOW XX/XX/2022 AND STILL NO RESPONSE. AND IF I DO RECEIVE ONE IN WILL BE NEXT MONTH AND THEY WILL NOT INCLUDE ANY INFO I ASKED FOR. ONLY EVASIVE ANSWER SUCH AS " '' The child support on your report has not been changed because the Company '' that reported it verified its accurate '' I NEED TO KNOW WHO THIS " COMPANY '' IS SO THAT I MAY ADDRESS MY GRIEVANCES WITH THEM AS WELL AS EQUIFAX .PLEASE HELP
Complaint sub-issue: Problem getting my free annual report

For the third year in a row, I have requested my free credit report as required by law. I have had no problem getting these reports from XXXX or XXXX. However, I have yet to receive a report from Equifax. There is always something wrong with my responses to their questions and I must " request my XXXX credit report via postal services. ''
Complaint sub-issue: Seized or attempted to seize your property

On XX/XX/XXXX my bank account and my sons bank account were beyond wiped out by this company claiming I have a cellphone bill from XXXX for $ XXXX with XXXX XXXX XXXX. Illegal practices, scam artist. They can not provide me with the bill or the original proof of service yet XXXX XXXX allowed them to take my funds. Consulting with a consumer attorney.
Complaint sub-issue: Account status incorrect

PNC Bank is reporting account number XXXX as 30 days past due in XX/XX/2021 when that is not accurate. I have never been late on this account. They did close the account but I have never missed a payment. According to the Fair Credit Reporting Act and FACTA, they must report accurate information and with the CARES Act, I am protected from any negative reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX  XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX  XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX XXXX TEXAS XXXXXXXX XXXX DATE OF DISCHARGE WAS XX/XX/2017 / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON TRANSUNION/ EQUIFAX/ XXXX. 

THE TEXAS XXXXXXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX EQUIFAX/ XXXX AND XXXX I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE XXXX MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXXXXXX OF XXXX XXXX THE XXXX  XXXX TRUSTEE.
Complaint sub-issue: Attempted to collect wrong amount

This debt is from Jefferson Capital ; has been found unfair based on the Credit Repair Act and closed by its original creditor, XXXX. It is invalid and needs immediate removal unless detailed information is otherwise correct.
Complaint sub-issue: Termination fees or other problem when ending the lease early

Original CFPB complaint logged XXXX. Tesla responded to CFPB complaint, stating they resolved the issue and my lease was terminated on XX/XX/2022 without further recourse. I just received a notice from Tesla via text message indicating that my payment for XXXX was late, which is in error because I am no longer obligated to the lease. I logged into the Tesla portal and found no active cars. When I navigated to past cars, I found my original lease that says it ended on XX/XX/2022 but has an outstanding payment for XX/XX/2022. This needs to be rectified immediately to avoid unwarranted harm to my credit. Tesla does not respond to emails, nor do they send notifications that my email has been received. Therefore, it is unknown if they're actually working to resolve the issue. They only seem to respond to regulatory complaints. I emailed this concern to XXXX and XXXX without response or confirmation of receipt.
Complaint sub-issue: Personal information incorrect

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Problem with rewards from credit card

I had 35000 points on my credit card for a {$350.00} gift card, this individual hacked my account and redeemed and cashed my gift card. The rewards and credit card issuer refused to investigate as they claim I redeemed those rewards and put in the following email address " XXXX '' instead of the email that is posted on all of my accounts as " XXXX ''. Since the rewards program sent it to the incorrect email BUT was redeemed ( By the hacker ) - they will not investigate or redeem my rewards points. 
The email address is no longer valid as well as the website. It took me a long time to accumulate 35000 points and I am furious that NEITHER the credit card or rewards company will investigate this as a fraud issue. The card issuer is US Bank/ Rewards program XXXX XXXX I was told by the rewards people that this was redeemed at a XXXX dealership in XXXX NY, but they will not track the card # to find out who cashed it. XXXX is XXXX miles away from me! 
Please have them review the history of this account and notice the number times I had to file for fraud charges and have the card replaced! 
I have had nothing but issues with this credit card and rewards program, but their refusal to investigate a fraud issue for a long term customer is completely unacceptable. 

Please help resolve this issue as I have run out of options!
Complaint sub-issue: Information belongs to someone else

I found a collection are fraudulent account this is a identity theft
Complaint sub-issue: Company closed your account

Company closed my account without notice. Refused to provide me account statements. Refused to allow me to dispute fraudulent activity. Laughed at me on the phone after I said I was on consumerfinance.gov filing a complaint against them. They have refused to allow me access to my funds. This bank is a total fraud.
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX refuse to remove invalid accounts off my report have called, written and fax in request and proof that the accounts do not belong to me I ve filed police report and submit ID That affavaid and they still refuse after 4 years to remove accounts that do not belong to me the accounts needing to be removed are 2 XXXX  XXXX XXXX ( no monies owed, invalid amount and account status reporting and volition of new public law that went into effect XXXX of 2017 ) XXXX XXXX these 3 items need to be removed and blocked from future reporting.
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 over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. 
Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

THESE LISTED ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME, SOMEONE USED MY INFORMATION TO FRAUDULENTLY OPEN LISTED ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Investigation took more than 30 days

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Information belongs to someone else

In according with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights. And XXXX Bank XXXX account XXXX XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A states I have the rights to privacy. 15 U.S.C. Section 604 A Section 2 states also consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166b ( A ) creditors may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

My position as a XXXX consumer : I had been denied credit by creditors, due to inaccurate/ fraudulent reporting by XXXX. The XXXX XXXX  collection is for XXXX account opened by identity theft, in my birth name XXXX XXXX. In which I haven't used since married in XX/XX/XXXX. 2 years of late payments being reporting with this account. XXXX Bank XXXX XXXX credit card account, that I opened in XX/XX/XXXX. Was paid in full and I requested by phone to close credit card account, due to incorrect billing by XXXX. It reporting 72 late payments on this closed account.
Complaint sub-issue: Problem with fees

I had logged on tried to " schedule '' a payment with Discover.com. 
The payment was charged early, and while the money was in the account, it had not been transferred over yet, because it went as scheduled. 
The {$29.00} fee did not show up until the end of the month and is not disputable. Which is incorrect, I am formally requesting arbitration per the customer agreement, with the CFPB as a witness. You may have your {$29.00}, but you will earn it. I dispute this charge as unreasonable. I look forward to working in person to address these issues. 
It is unfortunate that we live in world where corporate America is so greedy they would XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if they could charge for it! God Bless America though!
Complaint sub-issue: Account status incorrect

My XXXX/XXXX  Account is still showing as OPEN on Equifax ONLY. I've opened 3 disputes in the last 2-3 years to have this corrected as this account was closed TWO years ago. I'm now in the home loan process & this error is preventing my family from having a place to live. XXXX/XXXX  has sent multiple letters and updates to Equifax however, it's been two years and they still haven't updated it. I have now opened yet another dispute yesterday but we don't have time to wait another 2 years.Can you please update or delete? Our family is counting on you during these already unprecedented times. It's been 2+ years - can someone please help. I've called so many times to no assistance. See attached!