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

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. The information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the federal trade commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap. 

Please remove these inquiries asap : XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has updated & verified an account in XXXX of XXXX even though account still is currently in violation and is still reporting as inaccurate. please see attachment. 

XXXX XXXX XXXX XXXX- still appears on Equifax credit profile with full and complete validation. This is a violation. 

XXXX  XXXX XXXX XXXX- still currently reports inaccurate last date of payment of XX/XX/XXXX. This is Inaccurate reporting XXXX XXXX XXXX XXXX- still currently reports a payment history on a collection Account. Account currently reports as not current ; This is a violation XXXX XXXX XXXX XXXX- still reports late payments on a collection account. 30days late/60days late/90days late this is a violation XXXX XXXX XXXX XXXX- does not report on either XXXX or XXXX ; under FCRA rules all 3 major credit reporting agencies must report consistent information on a consumer credit report. As a result ; this is a violation of FCRA rules.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled informing those affected by this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Problem with rewards from credit card

I had few credit cards from Citibank that was closed by the bank - while I was out of country during the Covid timeline. I tried calling the bank multiple times but was not able to get the necessary help and eventually the credit card was closed with a negative remark on my credit history and I also lost all my credit rewards / thank you points. 

As I am not able to return to US due to visa restrictions I tried calling Citi from XXXX but on each instance the wait time was horrible and after jumping between different departments my calls were terminated. 

It was a very unpleasant experience and given that I had multiple cards I ended up getting most of my credit cards closed due to the negative remark on my credit history.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account XXXX, and XXXX. 

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

15 U.S.C section 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.
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, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 with out my written instructions.
Complaint sub-issue: Account information incorrect

The information that is listed on the account isnt correct nor has it been proved to be correct when asked
Complaint sub-issue: Their investigation did not fix an error on your report

I am a concerned consumer, this was not made in error I am the consumer concerned and is being violated by XXXX, EQUIFAX, AND XXXX I have sent dispute letters challenging accounts that were not notated in a timely manner, I made a previous complaint and it was not addresses correctly. I am not disputing to verify if the accounts belong to me, I am simply complaining that the accounts were not investigated in a timely manner and notated that they were in fact in dispute once I reviewed my credit report. The investigation was prolonged and I did not receive results in a timely manner and the account remarks did not show these accounts were disputed by me the Consumer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In 2017 I was affected by Equifax 's data breach and classified as a

Fraud victim and placed on the extend fraud alert. As stated o
n the FTC 's website, Equifax 's website and the CFPB 's website : A fraud alert requires creditors, who check your credit report, to take steps to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account based on a consumer 's request. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others. EQUIFAX FAILED TO NOTIFY OTHER CREDIT BUREAUS which led to my information being compromised yet again. I put a Security freeze on my accounts. 

Under the

15 USC 1681b- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( a ) in general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Under 15 US Code 1681b Permissible Purposes of consumer reports I never gave you any written consent to report. Reporting inaccurate personal information on all 3 reports after I requested that the information be removed. I sent letters to all 3 agencies asking for this information to be updated and I will follow up with another letter regarding this issue.
Complaint sub-issue: Problem during payment process

We transferred funds from our XXXX  checking account to our Citi ( COSTCO ) Visa account to pay our monthly bill of {$400.00} but mistakenly transferred {$40000.00}. Post date XX/XX/XXXX. Discovered the errorXX/XX/XXXX. 
Called Citi Bank XX/XX/XXXX 
1. ) XXXX Spoke to XXXX ( XXXX XXXX ) who told me NO WAY to electronic transfer {$39.00} back to XXXX  because no record that bank account in their records. THIS WAS A LIE! SHE REFUSED TO GIVE ME HER COMPLETE NAME OR LOCATION! Would have to send us a check in the mail. I don't want to risk a check this large in the mail. Her story changed every time she told me what could be done & the time frame. Asked to speak to a supervisor. She said she would get one & put me on hold. Eventually I was disconnected. 
2. ) XXXX Called back, Spoke with XXXX. Identical situation. 
3. ) XXXX Called back, Spoke with XXXX. Identical situation BUT she did connect me with XXXX, a supervisor. XXXX refused to provide last name, location or employee #. Very convenient! Did say she was in XXXX Florida and they had a XXXX XXXX. She investigated and told me that they actually DID HAVE all the XXXX  info & would process an electronic funds transfer but it would take several weeks. I don't understand why it will take that long & I NEED THE MONEY NOW! It was transferred to them instantaneously. In light of all the misinformation from Citi, I DO NOT TRUST them. 
Their Complaint??? ID # is XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : 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: Debt is not yours

I have recently made an complaint about the same collection agency and they said they couldnt find an account but when I call not did they only find an account with the same info I gave them the first time they also said a different balance owed from what they are saying I owe the representative also proceeded to hang up the phone on me after stating my facts. ERC at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the about of {$100.00} the collection has been reported as past due. I do not know this company. I have never in my life done business with them. This company does not have a contract nor signature with me.
Complaint sub-issue: Their investigation did not fix an error on your report

Victim of Several Data Breaches. Victim of Identity Theft. I have submitted info to XXXX, Equifax, and XXXX since XXXX of every major/ minor violation on my credit report. I do not have negative information on my credit report. I have never applied for any mortgage. All of my accounts are in good standing with payment history of XXXX XXXX. Remove all negative / closed accounts from reporting.Remove all Inquiries relating to any account not in good standing. Any account closed is simply because the Creditor refuses to correct the account as requested by affidavit sent certified mail.
Complaint sub-issue: Account information incorrect

I sent a dispute to XXXX  on XX/XX/XXXX and have gotten any response from the company and these inaccuracies are seriously harming my credit with my Credit score being XXXX. 

XXXX Account # XXXX This account is inaccurately reporting multiple different information across all three credit bureaus. 

Equifax - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$1100.00} on XX/XX/XXXX. 
Payment Status Late 120 days with account rating Open XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$28000.00} with the date of last payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed These are not small inaccuracies and are causing some serious harm to my credit score when you are reporting a much higher past due and balanced owed and no correct payments. My credit score is XXXX  with your company and now I know why? 

This account is inaccurate and needs to be deleted immediately. 

XXXX  XXXX  XXXX XXXX Balance {$690.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

The Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately. 

XXXX  XXXX  XXXX XXXX Balance {$1000.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately.
Complaint sub-issue: Debt was paid

I was offered a credit card over the phone about 10 years ago by Discover Card for about {$4000.00}. I was later referred to a debt collector who took me to court as I fell behind my payments whereby a payment arrangement of {$100.00} was agreed upon. 

I have asked the debt collector to consider writing off the debt as I have payed them towards or above {$10000.00} over the years, well in excess of the original {$400.00} credit card limit that they extended to me. 
Unfortunately, the debt collector have always declined this arrangement ; they actually indicate that my debt has increased from about {$400.00} to about {$16000.00} because of interest rates which to me seem utterly artificial or unfair.
Complaint sub-issue: Problem with fees

I had bought appliances in Sears store with there credit card which at the time I was told by person doing transaction that it was going to be 18 months no interest, which the interest accumulation will start at the beginning of the 19 months, also when I received appliances with damaged I called Sears about damage and we had a agreement that they would reimburse me for those damages. Later as time passes I look at statement and I was charged interest for the XXXX and also not refunded the damage amount, so for the past year I been trying to figure something out so I call Sears to have it resolved and they say they send me a check for damages to wait 7 business day that was last month and that some one will contact me for interest charges, I have not heard from them, they have me on hold or transfer me to different department then they hang up and nothing gets resolved this been going on seens the beginning of last year. I need help
Complaint sub-issue: Account status

This is my 3rd request to have my state tax lien status reflected as " RELEASED ''. I disputed two previous reports hoping that it would display my status ; however, they are only displaying the date of the release but will not update the status as it is currently showing ( -- - ) in the status field.
Complaint sub-issue: Information belongs to someone else

remove fcra violations : see attachments they don't even have my number right? 

( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential ( XXXX ) XXXX Cellular XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Account charged off. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Closed. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$280.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

I have been disputing and sending letters to the credit bureaus about the inaccurate information they are reporting on my credit file The credit bureaus automative verification has damaged my credit everytime i dispute and show proof the or ask them to show proof of there method because i have consumer rights but they violate them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act accounts XXXX  XXXX XXXX XXXX, XXXX XXXX has violated my rights and is reporting active and open this debt is a charge off 15 U S C 1681 section 602A states I have privacy rights 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: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX NOT PROVIDED XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Between XX/XX/XXXX thur XX/XX/2022, I have been experiencing difficulties, with Equifax information services about blocking information due to fraud on my equifax credit report. I have sent ( by mail ) copies of 1. FTC AFFIDAVIT/POLICE REPORTS 2. PROFF OF IDENTITY. 3. AND OTHER RELATED DOCUMENTS AS IDENTITY UNDER FCRA SECTION 15 U.S.C.1681a -g. The sole purpose of that was to block and remove the remaining 3 FRAUDULENT ACCOUNTS 1. XXXX XXXX XXXX 2. XXXX XXXX  3. XXXX  XXXX, and XXXX HARD IQURIES. Although, Equifax information services will not comply by the FTC LAW, THE CUSTOMER SERVICES REPEPS ARE TERRIBLE, NEED MORE AMERICANS, I tell you that, they have all the documents needed to block these fraud accounts and inquiries, with ( once again ) all the information, I have attached all the documents I mailed to Equifax information services including the XXXX XXXX. Furthermore, it has been over 4 business days and the fraudulent accounts and hard Inquiries are still on my equifax credit report
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 15 derogatory accounts and 14 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Debt is not yours

I have received several notifications from ERC regarding an XXXX XXXX XXXX XXXX account I never obtained with the company. Each time I received a letter from them I sent them a letter asking them to validate not verify that this account, in fact, belongs to me. All they send is a copy of one bill with no signature, no contract, no validation that this is my debt. In the letters I sent to them I have sent them this statement that shows that they ca n't just supply a bill and say that it is mine. Anyone can send a bill but can they validate it? As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I have mailed them the last letter dated for X/XX/2017 requesting this information once again. If they fail to produce the contract with my signature then I will take the next steps as they are in non-compliance with federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.
Complaint sub-issue: Debt was result of identity theft

Conns has stated that I owe {$4100.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. Conns has not attempted to help me resolve this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

{$310.00} from XXXX XXXX XXXX opened XX/XX/XXXX after it was removed last year they re submitted it to the credit bureau. Also on XX/XX/XXXX a car lot ran over XXXX hard inquiries on me that I did not authorize. And the same go for the following dates XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These items have caused me hardship and pain in my life. My score has went down over XXXX points in the past year causing me to go from good credit to poor for something I did not do. Iv called the companies that have these on my record and they stated they don't have any record of me and I will have to contact the credit bureau but they haven't done anything at all to resolve the situation causing more hardship on there end.
Complaint sub-issue: Trouble getting a working replacement card

ATM didn't return my card back and now is impossible to have a replacement because they are not able to find my data in their system. I helped them with the data in the XXXX portal but it is useless for them and calls never resolve the problem.
Complaint sub-issue: Reporting company used your report improperly

I have previously written letters to notify you ( XXXX XXXX ) ( XXXX ) ( Equifax ) ( XXXX XXXX ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, Equifax, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. XXXX XXXX Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.