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

On XX/XX/XXXX I got credit alert notifications from XXXX XXXX that there were some changes on my Equifax Credit File. I checked those notifications and noticed there were multiple accounts appearing on my Equifax Credit File as of XX/XX/XXXX that had never appeared before. I immediately called Equifax and talked to them about those accounts not belonging to me and never opening those accounts and that I believed those accounts were fraudulent. I noticed the account were open back in XXXX and just now appeared on credit file. I sent to Equifax a completed FTC ID Theft Affidavit/Report, a cover letter explaining I have been a victim of identity theft, a copy of my drivers license, a copy of my social security card, a copy of the credit report indicating what accounts were fraudulent, and a copy of the FCRA 605B ( 15 U.S.C. 1681c-2 ). Since XX/XX/XXXX I have called at least every other day and have spoken to individuals in the customer service department, fraud department, and supervisors in both departments. I have asked them if they have received the paperwork I sent to them via certified priority mail through USPS and they have said yes every time and that those documents have been scanned and uploaded to the system. I have been told that a dispute has been open for fraud and have sent that dispute and the paperwork I sent them to the creditors and I have to wait 30 days or up to 30 days for it to be resolved, but I have every time specifically explained to them that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) they are to block/delete those accounts that I identified as alleged fraud from my credit file within 4 business days and they always have excuses for not doing so and tell me I have to wait. They have not addressed my issue and I am currently in escrow for a home and this came up and I have begged them to please resolve my issue and help me out and they have refused to and have ignored every attempt I have made and have disregard the current FCRA 605B in place to protect individuals like me who have been victims of identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), " ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. '' I have provided to them everything requested and needed for them to comply with this request to block the items on the FTC ID Theft Report and they have failed to do so now and within the 4 business days.
Complaint sub-issue: Reporting company used your report improperly

XXXX has been reporting late payments on my credit under this code below that is a violation of my rights and I would like it reversed. 


15 U.S. Code 1681a - Definitions ; rules of construction * U.S. Code * Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On or about XXXX XXXX I used my cash app card to pay a {$25.00} pet fee at a hotel. I signed the slip stating {$25.00}. This was not a hold for incidentals. 

The next day the hotel changed the charge to {$170.00}. The next day they changed it to {$250.00}. They then submitted for payment for {$300.00}. I did not authorize this nor is there a reason for this. 

I immediately told Cash App not to pay this but they paid it. In XXXX I filed an official complaint. It is now XXXX XXXX and I'm still waiting for my {$270.00}. Cash App continues to say they are investigating.
Complaint sub-issue: Threatened to sue you for very old debt

In 2010 I had a bank account that was closed out due to INSF funds, under the amount of {$500.00}. This account was charged off and sold to a collections company called XXXX XXXX XXXX. A woman by the name of XXXX XXXX using the phone number XXXX XXXX XXXX when she contact my workplace multiple times as well as a relative who she told several details of the account to. She told me that I have less than a week to come up with a balance higher than the money owed to the bank, or I would be served and prosecuted for felony bank fraud and have my workplace contacted and my wages garnished. She stated that she represented US Bank as the client who was suing me, but failed on multiple requests to provide me with proof of debt or her own identity.
Complaint sub-issue: Their investigation did not fix an error on your report

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege there is no such verification exists.
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. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you. 

NELNET XXXX XXXX Balance Owed : {$1300.00} NELNET XXXX XXXX Balance Owed : {$1100.00} NELNET XXXX XXXX Balance Owed : {$670.00}
Complaint sub-issue: Information belongs to someone else

I contacted Equifax in reference to some unauthorized inquiries on my report. I requested they be deleted. 
Equifax sent information back to me stating the information I disputed had been received, but failed to state they investigated and verified the results. They stated the inquiries are factual record. I would also like documentation as to how they determined these inquiries were factual record. They also stated they were results of a REINVESTIGATION, but this was the first time I had made this request.
Complaint sub-issue: Reporting company used your report improperly

according to the fair credit reporting act, the list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX, Account Name XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX, Account Name : 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. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions, crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Complaint sub-issue: Information belongs to someone else

I respectfully suggest that you make investigation because I believe I am a victim of identity theft. I do not know these items ... I will have to refer the matter to my attorney and take immediate legal action. I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I have been a victim of identity theft fraud. I have no idea of any of these inquiries. Please review this and remove this as soon as possible.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX needs to remove this damaging information on all three credit reports or ill sue them! I'm trying to get a mortgage.
Complaint sub-issue: Information belongs to someone else

Someone used my identity in XXXX on XX/XX/2019 to open a leasing account with ACIMA credit. This fraudulent account is now reporting on my credit report as a collection account in the amount of {$3400.00}. I called ACIMA credit about this account and let them know it was not my account. They told me to submit a police report to XXXX. I have not received a response or correction to my credit reports.
Complaint sub-issue: Attempted to collect wrong amount

Separate and aside from criminal conduct as set forth and explained within the correspondence annexed hereto as Exhibit " A '', Duane Morris LLP ( " Attorneys XXXX XXXX '' ), the latter 's employee XXXX XXXX XXXX XXXX " Attorney XXXX '' ) in conspiracy with XXXX XXXX ( " XXXX '' ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), XXXX XXXX XXXX ( " Attorneys XXXX '' ) and others, are evading my demands and request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Furthermore, as set forth within my communication to be forwarded to the foregoing parties that is annexed hereto as Exhibit " A '', along with Exhibits B through I that are also enclosed hereto and explained within my communication submitted herein as Exhibit " A '', Attorneys XXXX XXXX and the latter 's employee Attorney XXXX on behalf of XXXX and XXXX submitted false - forged evidence to the CFPB on XX/XX/XXXX constituting violations of 18 U.S.C. sections 1001 and 1343. 

Specifically, the foregoing parties continue to misrepresent that I defaulted on my mortgage loan as of XX/XX/XXXX, while omitting and concealing the first foreclosure action set forth default as of XX/XX/XXXX with no payments made thereafter through XXXX XXXX, and I tendered approximately $ XXXX in payments with approximately $ XXXX being cashed, non of which I am being given credit for as explained within my communication annexed hereto as Exhibit " A '' and displayed within Exhibit " G ''. 

In closing, the conduct set forth above, explained within Exhibit " A '' and displayed throughout Exhibits " B '' through " I '' that are also enclosed hereto, constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.
Complaint sub-issue: Public record information inaccurate

The XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of 2015, with all bill paid and current. The property allowed her to pay the rent and accomadting the late payments. There was never an eviction to move. The property recinded the eviction and did not update, that payments where paid and no eviction occured at the property. XXXX County Court XXXX XXXX XXXX XXXX County Justice of the Peace XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/2015. Theres an amount of {$2600.00} that was already paid to the propert in 2015 for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from XXXX XXXX XXXX  Sage Stream, XXXX, XXXX XXXX. Case # XXXX XXXX County
Complaint sub-issue: Reporting company used your report improperly

in according to fair credit reporting act XXXX, account # XXXX has violated my right 15 U.S.C 1681 section 602 A state have a 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: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

MY right under the FCRA Section 609 and Section 604 I request a method of verification. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Complaint sub-issue: Personal information incorrect

There are incorrect addresses listed on my credit report. I have never lived at these addresses or they may belong to a family member : XXXX XXXX XXXX, XXXX, IL XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX IL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX I disputes a bankruptcy showing up on my credit report. I received results of the investigation which identified XXXX XXXX as a third party agency to whom Equifax verified the information. I question the validity of that statement because my XXXX XXXX has been frozen since XX/XX/XXXX. Equifax is being untruthful which is causing me a great financial hardship.
Complaint sub-issue: Account information incorrect

I had an open account with XXXX and they are incorrectly reporting a missing payment from XX/XX/2019 when there was none. I called them to ask for an extension since my identity was stolen and said it would not report to the bureaus as late or missed. They said one thing and did another. This is is hurting my credit in a negative way and needs to be fixed asap. 

I will be including my police report as well for them to see. The rep on the phone was very rude and did not want to hear anything I said and hung up on me. This is no way to talk to a client.
Complaint sub-issue: Problem with fees

This complaint is a followup to a previously submitted complaint # XXXX-XXXX. 
Citibank responded by saying that the fee is non-refundable, but I checked the Card Agreement Guide and nowhere does it say that the fee is non-refundable. Actually, the fee is described as an " Annual Membership Fee '' and as such, having paid the fee, I should be entitled to enjoy the benefits that come with such membership, such as the XXXX XXXX XXXX and XXXX XXXX, for the duration of my membership. Second, nowhere does it say that the fee is earned immediately upon billing, so I expected that the membership fee would be earned on an amortized basis as the year progressed. Lastly, nowhere in the Card Agreement does it say that such membership benefits would terminate at the closing of my account. So, all-in-all I feel I was misled and Citibank is not acting in good faith. Therefore, since we have an unresolved dispute, pursuant to Section 11 of the Card Agreement titled " Arbitration '', I would like to initiate arbitration proceedings. Since nobody in Citibank Customer Service knows the answer to this, please provide the instructions for initiating arbitration and how Citibank will go about paying my share of the arbitration fee, per the Card Agreement. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Please provide me with the name and address of the original creditor. Pursuant, the XXXX XXXX XXXX XXXX Act Section 809, cease and desist the reporting of this item until you do so.
Complaint sub-issue: Information belongs to someone else

I'm trying to get this fraudulent accounts from my credit report they are not mines. The bureraus is reporting inaccurately. they are not mine
Complaint sub-issue: Report provided to employer without your written authorization

I was driving with XXXX and as part of their background check my ability to drive as a partner for XXXX  was restricted based on incorrect reporting of drivers license abstract. The company who is providing such information has not obtained written permission to provide my information. When I checked with NJDMV and legal attorneys, my record has no points and it is considered as legally eligible to drive. 

This company Checkr.com is using my information and providing it to other companies which is resulting in adverse action. I was making extra income to support my family of 6 people and now due to their incorrect reporting I have incurred loss in my income.
Complaint sub-issue: Personal information incorrect

Inaccurate address, name, phone number and job employment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Can't close your account

I made the final payment electronically, for the outstanding amount ( balance ) due on my credit card account. Once that payment cleared my bank account, I wrote a letter requesting that my XXXX balance Sears/Citibank credit card be closed, effective as of the date of receipt of the letter. 

The letter was mailed certified, return receipt reqested ( U.S Postal Certified receipt-artical # XXXX XXXX XXXX XXXX XXXX ). Bar code # XXXX XXXX XXXX XXXX XXXX XXXX ). The returned receipt vertifying that the letter requesting my account closure was received. 

Approximately, three weeks later, I received a statement showing a XXXX balance, in my account along with a New credit card. I have not activated the card, nor do I intend to do so. I am requesting that the FTC-Consumer Finance Agency/department assists me in getting Sears/Citibank to close my credit card account as per my request.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2022 I noticed an authorized transaction in the amount of {$1400.00} with check number XXXX in my bank account. I called my bank to immediately dispute the transaction. Upon receiving my complaints and request by my bank, account was closed as it was being compromised for fraudulent transaction. 

To my greatest surprise, i received a letter dated XX/XX/2022 from TRS recovery services for collection of debt on behalf of XXXX XXXX that i never owed.
Complaint sub-issue: Problem getting your free annual credit report

I've sent several request in order to receive my consumer report from XXXX, LexisNexis and XXXX. However, I have not yet received the requested reports. Please advise me in how to remedy. I have provided the verification documents that were needed in order to fill my request.
Complaint sub-issue: Received bad information about your loan

XXXX XXXX refuses to accurately calculate the number of qualifying payments I have made on my student loan toward Public Service Loan Forgiveness. I sent in my last public service Employment Certification Form in XX/XX/XXXX and now it's XX/XX/XXXX and XXXX XXXX still has NOT calculated my qualifying payments accurately. 
As of the XX/XX/XXXX date, I have made 68 qualifying payments. XXXX has reported to me random numbers, all less than 68. In fact, just recently it lowered the number of payments I made without explanation, without documentation, without reason. 
That it takes XXXX XXXX  nearly a year to count up payments accurately is a terribly sad indictment on the competence of this agency and its representatives. It's time for Federal intervention.