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

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX : {$9900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Report improperly shared by CRC

I have made along with my son several requests to remove derogatory credit information on my sons credit report. We both have similar names each credit report agency is using my credit history on my sons credit reports.
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 confidentially XXXX  Account Name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My report has incorrect information regarding my Employer. 

15 U.S.C 1681 section602A. States I have the right to privacy.

15 USC 1961 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an without my written instruction.
Complaint sub-issue: Account status incorrect

Midland mortgage is reporting my account as 90 days past due for XX/XX/2020, XX/XX/2020 and XX/XX/2020. XXXX received a copy of a letter from Midland Mortgage stating the account is in good standing however, it is still being reported ad late and XXXX will not update my credit file.
Complaint sub-issue: Account status incorrect

I noticed that moneylion had not been deducting the payments I had set up with them. I navigated their site and I couldn't find a payment portal, so I emailed them 4 times and I tried calling to no avail. ( this is a common complain that can be found online with other customers as well ). The hold time on the phone is long and then an operator comes on and says they're busy and tells you to call back later. I also emailed them requesting that they deduct the balance due from my bank account. I emailed them a total of four times. Also, I had my payments setup for automatic deduction, why did it stop? Yesterday, XX/XX/19 I I recieved an online notification that my Moneylion account is delinquent. This is very frustrating. Moneylion also went back and changed my payment history, all the way to XXXX, as delinquent. Although they had been automatically deducing payments from my account. Then in XXXX, for some odd reason, they stopped. They haven't returned any of my emails to rectify this situation. I am requesting that someone from Moneylion get in contact with me so I can pay my balance off and also Moneylion should correct my account to the credit bureaus as not delinquent.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, a collection letter from Hunter Warfield was sent to me. Hunter Warfield added a derogatory mark on my credit report per XXXX XXXX, XXXX, XXXX  and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Hunter Warfield has violated my rights as a consumer and I am requesting legal action to delete and remove this account immediately.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX IS REPORTING 2 COLLECTIONS ON MY CREDIT REPORT ONE IS FOR XXXX OPENEDXX/XX/XXXX. AND ONE FOR XXXX OPENED XXXX. I HAVE NOTIFIED XXXX XXXX AND LET THEM KNOW I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. I SENT A LETTER TO THE CREDIT BUREAUS AND FORWARDED A COPY OF THE POLICE REPORT AND IDENTITY THEFT AFFADAVIT TO THE COLLECTION AGENCY AND TO THE CREDIT BUREAUS. I ALSO HAVE A ACCOUNT WITH XXXX XXXX FOR XXXX OPENED XX/XX/XXXX. I HAVE NO KNOWLEDGE OF THESE WIRELESS ACCOUNTS. IF MY IDENTITY HAS BEEN COMPROMISE IT IS THE RESPONSIBILITY OF THE CREDIT BUREAUS TO REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT AS A DIRECT RESULT OF THE IDENTITY THEFT. THE COLLECTION AGENCIES HAVE FAILED TO RESPOND TO ME DIRECTLY AND THE CREDIT BUREAUS SAY THE COLLECTIONS ARE BEING VALIDATED.
Complaint sub-issue: Their investigation did not fix an error on your report

I have notified Equifax that these accounts are are a result of FRAUD and they should be deleted from my credit report. Please delete these accounts because they are fraud.
Complaint sub-issue: Personal information incorrect

My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Please Remove and 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. 
Also, update my personal information to my credit report. 
See attachment for the following : FTC Complaint form A copy of my Identity Theft Report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Complaint sub-issue: Account information incorrect

equifax is still falsely changing peoples scores. i just had a complaint with them about my score going down XXXX points. the balance on one of my cards decreased by {$1.00} yep XXXX XXXX & my score plummeted XXXX XXXX, The government needs to end equifax
Complaint sub-issue: Information belongs to someone else

I contacted Equifax and try open up a dispute on few accounts that are not mines and I marked them as fraud and send in some documents to them few times for three frauldent accounts which are XXXX XXXX   AND ANOTHER XXXX XXXX AND LASTLY XXXX XXXX XXXX XXXX XXXX ... XXXX I didn't apply for these accounts and Equifax keep disconnecting my phone calls each time I call and I have to call again and be on hold between 20-45 mins each time and this is getting frustrating and I don't have no patience at all and I have things to do with my life ... XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax- XXXX XXXX, XXXX Inquiry I do not recognize this inquiry at all.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Account status incorrect

XX/XX/2021 and XX/XX/2021, Sallie Mae said I missed XXXX payments. I never missed a payment and have tried to dispute this with them multiple times but it got resolved as a customer disagreement. They processed XXXX of my loans with them as missed payments on the same date. 

My name is XXXX XXXX XXXX : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX This has been a burden on my credit history for years and I am unable to get approved for anything.
Complaint sub-issue: Account information incorrect

XXXX credit bureau add inquiries to my credit report from a company, that I don't even know. This action affect my score baly. 


KLARNA/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Complaint sub-issue: Information belongs to someone else

I have been disputing for the removal of the fraudulent accounts and information being reported on my Credit File. I started disputing the fraudulent accounts and information since XX/XX/XXXX and have been constantly sending disputed letters every month as well as submitting CFPB complaint. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that were incurred due to identity theft. However, the Credit Bureaus have claimed that the disputed accounts were verified and belong under my name. I previously contacted the Data furnishers and inquired regarding the disputed accounts. They responded to me stating that the disputed accounts were indeed reporting reporting erroneous information in some way. I am submitting this CFPB Complaint to request to the Credit Bureaus to immediately remove the disputed accounts from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, the Credit Bureaus have been claiming that the disputed accounts were verified and yet they have failed to present me copies of proof of their verification which is a clear violation of the FCRA regulation.
Complaint sub-issue: Personal information incorrect

Citibank has my name listed incorrect on my account ending in XXXX. I have attached supporting documentation to support my request to update the name on my account.
Complaint sub-issue: Public record information inaccurate

Roughly a couple of weeks ago XXXX ran a background check on me!

A man in Florida with the same name and birth day an month an year keeps turning up!

XXXX, FL. XX/XX/XXXX Case # XXXX
Complaint sub-issue: Reporting company used your report improperly

Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XX/XX/XXXX. The state of Kansas Department of Labor placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XX/XX/XXXXor XX/XX/XXXX these are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus Equifax, XXXX, and XXXX do not want to remove them. The state tax lien is only showing on my XXXX report. Both items are stopping me to be able to establish positive credit please help and get them removed
Complaint sub-issue: Information belongs to someone else

This is my sixth attempt to notify the Credit Bureaus that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Please remove the following accounts completely from my Credit File XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} CHILDSUPPORT XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Complaint sub-issue: Application denied

I applied for a business credit card account for : XXXX XXXX XXXX. 
I was denied indicating a number of accounts are in delinquency ( NO TRUE ). No accounts are in delinquency. ( PLEASE see document submitted ). 
The account I applied for is NOT a personal account, which I already have. I applied for a business account for a new start up business, under the sponsorship of the XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

I did not authorize nor consent to the following inquires being furnished on my consumer reports.
Complaint sub-issue: Account status incorrect

The company is reporting adverse information to the credit reporting agencies ( Equifax, XXXX, XXXX  & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.
Complaint sub-issue: Other problem getting your report or credit score

In late XXXX I discovered that Equifax was not pulling any of my data, offering the code NH for No Hit. On XX/XX/XXXX, I faxed required information that a representative told me I needed including a social security card, an ID, and a piece of mail with my name and current address. On XX/XX/XXXX, I received a letter from them that told me the information I gave them was not matched on their files, which the problem being I currently have no file. On XX/XX/XXXX I mailed them another letter with information including an ID and social security card. It is now XX/XX/XXXX and I still have not received any correspondence, despite them saying it may take up to 5 business days. 

I have no issues with XXXX or XXXX XXXX, but the issues with Equifax are preventing me from pursuing an apartment and moving forward in life.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXXXXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Complaint sub-issue: Information belongs to someone else

Equifax has reported multiple inquires that Ive never applied for. 

Equifax has been reporting Erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.
Complaint sub-issue: Talked to a third party about my debt

They sent me a random email regarding a debt that i had never heard of.
Complaint sub-issue: Reporting company used your report improperly

The following late payment remarks have been placed onto my credit report without my verbal or written consent to do so which is a direct violation of my rights under the FCRA and section 15 USC 1681B. Due to these facts given the following late payment remarks must be removed : XXXX XXXX XXXX for the months of XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I am having trouble with my lender providing assistance to the freeze education offered by the president and education department. 
During the cares act AES claimed my loan was commercial only provided forbearance one deferred but with interest rate accruing.

During my investigation of my forged documents and illegal transfer of my loan by AES/ XXXX XXXX, the XXXX had informed me I was a federal loan and I was misinformed. 
I would like to know why the lender has overlooked this and now Im in delinquent account. 
I am still seeking answers from XXXX XXXX, of The XXXX XXXX XXXX  AES  XXXX XXXXl on my illegal forged documents and illegal transfer of my loans to Goal Financial. 

I have fully complied and submitted a XXXX page fraud package on XX/XX/2021. 
AES FRAUD DOCUMENTATION/ IDENTIFICATION THEFT / FORGERY SENT TO THEM via Certified mail on XXXX receipt enclosed * AS PER THEIR REQUEST AND NOTARIZED Adding to my case. Cyclical elusive tactics- The latest response from the service department PHEAA /AES PHEAA and AES are non compliant, elusive tactics and have ignored my case. I have been requesting assistance with AES since XX/XX/2021. After much frustration and run around by them, I finally requested the Fraud Package. 
I have sent them the fraud package in XXXX via certified mail. 
*See documentation on the pdf provided False certifications and forged signature forms. Affidavit, police report, notarized request of my signatures etc as AES requested
Complaint sub-issue: Not given enough info to verify debt

When I left XXXX XXXX XXXX cable and phone service, all they wanted was their equipment so they would n't have to put it on my credit report. I gave XXXX XXXX XXXX all their equipment cable boxes, wires, and etc ... I ask them was we in good standards and they said yes. I check my credit report back in XXXX of 2016 and notice I had a debt from a collection company call AFNI on behalf of XXXX XXXX XXXX. I disputed the debt with all XXXX Credit Bureau and AFNI refuse to remove this debt off my credit report, their reason was XXXX XXXX XXXX said I owed the debt, but AFNI could n't prove it. I called AFNI on XXXX XXXX, 2016 and explained my situation, AFNI said yes we have received a couple of dispute from all XXXX Credit Bureau, but XXXX XXXX XXXX wo n't respond to your dispute or provide any proof since XXXX of 2016 we have not gotten any answers from them. Basically AFNI has been lying to all XXXX Credit Bureau saying they made contact with XXXX XXXX XXXX, which they have not. AFNI is a very dishonest company, from my understand if a company do n't make contact with in 30 days in a written statement or showing proof, the debt should be removed, it has been 4 months. My contract was with XXXX XXXX XXXX not AFNI which is a very dishonest collection company. I need removed off my credit ASAP ...
Complaint sub-issue: Account status

The latest Activity date of XX/XX/XXXX which Equifax and XXXX are both reporting is Incorrect. The correct Activity date IS XX/XX/XXXX. The last Activity date for XXXX XXXX XXXX collection agency should reflect is XX/XX/XXXX. Not XX/XX/XXXX. I have disputed this several times by phone and XXXX to no avail. This is detramental to my credit and needs to be rectified.
Complaint sub-issue: Reporting company used your report improperly

This has occurred twice in the last two years. My wife or I apply for a loan ( XXXX XXXX, XXXX XXXX XXXX  ) and within a few days both of our primary credit cards ( each under our own respective names ) are compromised. Someone in Texas tried to use my wife 's care to make large purchases. I had someone from Califormia try and charge {$10000.00} dollars on my card to a car dealer in South Dakota.

Two separate lending companies with one common issue, they both used one of the three Credit reporting agencies - XXXX, XXXX  and Equifax.

One ( if not all ) of these three companies is responsible for compromising my credit cards. There can be no other answer. 

How do I deteremine which of them are responsible and hold them accountable?
Complaint sub-issue: Debt was result of identity theft

I had an account placed on my credit report by Afni, Inc. they have been advised that this is fraud and identity theft. I have provided them affidavits of fraud and forgery as well as police reports.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I got my XXXX Report on XX/XX/XXXX and 5 fraud charges are on it that do no belong to me and there are some co signers on some..I XXXX   XX/XX/XXXX {$6500.00} KeyBank Home Equity XX/XX/XXXX {$150000.00} XXXX   XXXX CC {$3500.00} XXXX CC {$10000.00} XXXX XXXX CC {$8900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information on CBNA. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : CBNA XXXX XXXX {$1900.00}