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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX Balance {$1400.00}, and XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Complaint sub-issue: Information belongs to someone else

I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on Equifax, XXXX, XXXX. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against Equifax, XXXX, XXXX.
Complaint sub-issue: Company closed your account

Someone claiming to be from BB & T responded to my complaint number  XXXX . I could not send online feedback because my consumer rights is threatened by error or related matters.  Time  is important. Attendance is a plus.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX XXXX SOCIAL SECURITY # : XXXX ) the natural person did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. I already filled out a FTC report # XXXX, # XXXX, which is attached. My identity was stolen and fraudulent accounts were applied for in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws., I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. I sent the credit Bureaus a letter on XX/XX/2021 stating that these accounts were fraudulent, and they were supposed to remove it after 4 days. it is now XX/XX/2021 and these items are still on my credit report. This is illegal for them still report this against the FCRA Laws. I feel like my Consumer rights are violated and I hope the CFPB will take action.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I requested this company to CEASE ALL ORAL communication and only contact me VIA snail mail or email ... They continue to call and violate my rights repeatedly by harassing me via Telephone calls to myself and family and friends.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been trying to dispute a collection that is fraudulent reporting only on my Equifax report. However, I have tried twice a week for the past month to file a dispute and I keep getting the message the dispute center is down for scheduled maintenance. I was told this would be fixed a long time ago, and that was weeks ago. The ability for Equifax to stop the dispute process damages not only me but others as well. I attached a screen shot as evidence, this is ridiculous, please help
Complaint sub-issue: Debt is not yours

Today XX/XX/2021 I received an alert from credit agencies that Jefferson Capital placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from Jefferson Capital. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. I cant believe this collection agency actually put an account on my credit report that isnt mine, without contacting me.
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/XXXX.
Complaint sub-issue: Personal information incorrect

There are incorrect addresses that do not belong to me or may belong to a family member : XXXX XXXX XXXX, XXXX, TN XXXX XXXX, XXXX OH XXXX
Complaint sub-issue: Information belongs to someone else

Equifax is Reporting a collection Account that Should Not be on my Credit Report. I have contacted them on 2 Occasions & it has not been Removed. I contacted both XXXX & XXXX regarding the same Account from Some debt collection agency that should Not be on my Report & they Promptly removed this information.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Old information reappears or never goes away

XXXX XXXX Account is incorrectly reporting missed and late payments. This is incorrect Accounts is closed and paid in full creditor is still reporting this incorrect information. XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX is reporting a late/missed payment, this is incorrect, and account is paid in full. Creditor is still reporting incorrect information. XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX/XXXX is reporting a late or missed payment this is incorrect, account is paid in full, date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX is closed and paid in full, but it is showing a missed payment this is inaccurate. XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX is paid in full and open creator is reporting a missed or late payment this is incorrect date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX is open and current, is reporting incorrect information missed or late payments date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Complaint sub-issue: Information is incorrect

Lexis Nexis is giving insurance company false information about my driving record and claims. XXXX XXXX, XXXX and other insurance company has give me quote and reason perium is higher is because of Lexis Nexis false report stating I have violation. I have never had a violation. I ask Lexis Nexis to remove this incorrect information, I was told it was remove but every time I get a new quote the same incorrect information from Lexis Nexis. I call them again was put on hold and no one answered or when the did answer phone worker hang up phone. I have made a report to department of financial services case number XXXX. Department of financial services said  the do not regulate Lexis Nexis and I show write them a letter. This is my last option. I have this problem more than 1 years now.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed disputes with all three credit bureaus and all three credit bureaus ruled in favor of the fraudulently opened account due to data furnisher, whatever that is after I have repeatedly tried to convey to them that I have no knowledge of this account at all I did not open this account
Complaint sub-issue: Overdrafts and overdraft fees

I recently charged {$1.00} for a subscription service through XXXX. XXXX is linked to my checking and savings through PNC bank. While I meant to charge my checking, somehow my savings was charged. I do not keep anything in this savings account because I bank elsewhere. The {$1.00} charge caused an overdraft and a {$36.00} fee, of which I was unaware until five days later. By the time I was made aware, another {$36.00} fee had compounded on top of this. It is outrageous to expect me to pay {$72.00} over a {$1.00} incidental charge.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a hard inquiry on my Equifax credit report from XXXX 's XXXX but I didn't apply for any credit or member cards. Equifax says it can stay on my credit for 2 years and affect my score so I disputed it with them twice and they have not removed it. here is the info and date from credit report : XXXX 'S XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : ( XXXX ) XXXX XX/XX/2022
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This started with the XXXX  credit bureau. On my credit report it detected a DORMANT Macy 's activity on XX/XX/19. I think it started out with only {$78.00} and change. It's now up to XXXX and change. Like I've told them, it's no problem for me to pay if it were my bill, but it's not so I'm not paying it. I have shouted to the rooftops over and over to this day that I do have that card and have never used it at all. I began a dispute with all three credit bureaus the very next day XX/XX/19 and since I'm new with that, my first mistake was including cleaning up everything else in the reports so they ignored my Macy 's dispute. I finally filed a FRAUD report on XX/XX/19 on Macy 's. They did what they're supposed to do, locking my account for one year and letting me know I can extend it to seven years, etc. BUT no investigation. I had to file disputes against Macy 's at least 3 times or so and each time it came back however the results say that I'm responsible. I went to Macy 's and had a chat with them 2 different times ( I'm deaf ). I saved the transcript, faxed them to the credit bureaus and nothing yet but XXXX seems like they do want to help. They wrote back and said my fax was too blurry and asked me to send everything by postal mail which I'm going to do today. It would've been much sooner had I not have so many health issues , dr appointments out of town and in town, and so on and so forth. But today is the day I'm getting everything printed, copied and mailed. I just happened to see your site and this is hopefully my nail in the coffin with all my hard work since this all started in XX/XX/XXXX. Macy 's is very uncooperative. They refuse to tell me any type of paper trail of how the transaction occurred, who paid any bills, etc. They did manage to tell me the transaction in XX/XX/XXXX was for a pillow! I said no way would I ever purchase a pillow online,, that is something I need to purchase right there in a store, to feel it to see if it's comfortable, etc. The chat agent hurried up and disconnected before I had a chance to tell her no, I can not call that number I am deaf. Then I inititated another chat right away to say just that and the next agent did the very same thing, cut me off while I was saying hey don't do that to me! So the credit bureaus were NOT investigating at all, just going by Macy 's word, and Macy 's never cooperated and still isn't. Meanwhile, my credit score has taken a major plunge. This has been a total nightmare. I had just built my credit score up to close to 700, now it's down somewhere in the 500 's, I don't even want to look at it, it makes me sick.
Complaint sub-issue: Debt resulted from identity theft

I pulled my credit report and there was an account from Equifant which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 I purchased furniture through XXXX in the amount of {$5000.00} with a guaranteed shipment date of XX/XX/2021. On XX/XX/2021 I received an email from XXXX requesting that I either approve or deny the option to cancel or approve a backorder as shipment was delayed. The new guaranteed shipment date was to be XX/XX/2021. I approved the backorder buy then decided 2 weeks later that I would prefer to shop locally for furniture since I had been sleeping on only a mattress waiting for the furniture for over a month. I called XXXX on XX/XX/2021 and they informed me that since I had approved the backorder that I would now be subject to a 15 % of the purchase price cancelation fee. At that point I decided to dispute the charge with Citi Bank, the issuer of the credit card used to pay for this transaction. As of today XX/XX/2021 the dispute had been closed in favor of the merchant, I still do not have any furniture and the XXXX website now states a guaranteed shipment date of XX/XX/2021, although I never approved it. I am exceedingly frustrated and have already filed a complaint with the XXXX XXXX XXXX. I've also purchased furniture from another retailer at this point.
Complaint sub-issue: Old information reappears or never goes away

I had a XXXX credit card account that I disputed with the collection agency who was reporting it. After investigating, the collection agency sent me the results of the investigation and concluded that they were closing my account. The company stated they filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete their trade line for this account on your credit reports. This was in XX/XX/XXXX and the credit bureaus removed the account. But it has appeared back on my credit report in the last year or so. I have disputed this multiple times with the credit bureau and explained that this should not be on my report because I do not have knowledge of the account. I sent certified letters XX/XX/XXXX to Equifax and XXXX and disputed online with XXXX requesting that they delete this inaccurate information. They bureaus refuse to delete the information from my credit file.
Complaint sub-issue: Frequent or repeated calls

The company calls and when you answer no one is there. When you call back they have stated they are looking for a XXXX or XXXX something. I have told them on multiple occasions that I have no idea who this person is. They continue to call from random numbers and when I answer no one is there. When I call and ask them to remove my number they state this is the first time they have spoken with me. 

They have state that the company they represent is IC System. icsystem.com is the company website.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed all of my personal information as well as disputed all inquiries that I have listed below as fraud as I am a victim of identity theft and fraud and the credit bureaus have not removed these from my credit reports. 
I have contacted each of these companies and they could not verify why these inquiries were made and informed I needed to contact the credit bureaus. 

I have filed police reports # XXXX as well as filed identity theft and fraud reports. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8 XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11 XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX 16. XXXX XXXX XXXX XXXX, XXXX 17. XXXX XXXX
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Reporting company used your report improperly

Equifax identified a cybersecurity incident on XXXX XXXX, XXXX. The information about the breach was not publicized via a press release until XXXX XXXX, XXXX. 

This breach contained names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violated my rights under. 

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s. code 1692b harassment or abuse
Complaint sub-issue: Keep getting calls about your loan

When I started college in XX/XX/XXXX XXXX XXXX was the biggest lender out there to provide assistance. Fast forward to XX/XX/XXXX when I graduated my repayment was over {$900.00} more than my pay check was every two weeks. I went back to school because that was the only option I had until I could figure out how to pay my loans. I graduated with a XXXX degree. My payments kicked back in and my payment was {$980.00}. I do not know what world these student loan lenders get their interest rate, but no one realistically can pay {$980.00} and still survive. I called them and told them my situation, which was I was pretty much living off {$20.00} after paying all my bills. They told me because I made the payment of {$980.00} in XX/XX/XXXX and XX/XX/XXXX that they would not help me because it looks like I can pay my payments. I had to put bills in other people 's names because I could not support myself. In XX/XX/XXXX, I let my account fall behind because XXXX XXXX is to call you about the past due within 5 days. 5 days went by and I had to call them. WednesdayXX/XX/XXXX, I called and spoke to a financial adviser about what my options could be. After going through a million questions about mine and my co-signers income, XXXX XXXX offered me an extended repayment program at 2 % interest rate and a payment of {$340.00} a month. Both parties agreed on these terms. They sent me a letter in the mail stating what the terms were. I was put into a qualifying period for XX/XX/XXXX and XX/XX/XXXX to make sure i could pay the payment due, which is an automated debit every month. I made the XX/XX/XXXX payment no one called from XXXX XXXX to say my account was past due. I made my XX/XX/XXXX payment and XXXX XXXX who agreed to these terms with myself and my co-signer, called my co-signer 8 times to try and get her to pay {$1800.00}. Not happening. They called me and I spoke with them they wanted me to pay {$2000.00}. I the customer told them about the terms which I agreed to with XXXX XXXX and they told me that there was no note on my account saying I was in any type of extended repayment. If they continue to call I am not returning a single call nor will my co-signer. I stated on the phone with them I nor my co-signer will not be calling them back to continuously get worked up over the lack of communication this company has with its customers, but also within the company itself. XXXX XXXX will forever make you regret that college was ever an option to better yourself and make a difference in the world.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX 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  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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Personal information incorrect

Tried calling and getting the runaround. Calls are immediately transferred to a survey when speaking with an agent.