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

XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX  Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX  FL for court located at XXXX XXXX XXXX XXXX XXXX FL XXXX at XXXX XXXX  onXX/XX/XXXX
Complaint sub-issue: Debt was paid

There was a negative report filled on my credit report. The debt was paid in full to XXXX who notified the collection agency AFNI, Inc. The supervisor from XXXX and I were on a conference call with AFNI collections when it was said since the bill was paid in full that they would delete it from my credit report. But as of today it is still there. I was told by another representative today that it could not be done that it would stay on there for seven ( 7 ) years.
Complaint sub-issue: Debt is not yours

Acima Credit is committing an intentional tort against me via fraud and deceit. Currently, I am a victim of fraud and identity theft due to the negligence of this creditor. On XX/XX/XXXX I purchased furniture from XXXX XXXX XXXX. Acima credit works closely with this company providing credit to consumers. I was offered credit with Acima at the time of purchase contingent upon receipt of the furniture. On XX/XX/XXXX XXXX XXXX  was contracted to deliver the furniture to my residence and did not follow through with the delivery. To no avail, I went back and forth with XXXX XXXX in an attempt to receive the merchandise I paid for. Following a brief period of irresolution, I filed a complaint with my credit union disputing the charge to my bank account. On XX/XX/XXXX, my credit union determined via an internal investigation that my dispute was valid. This was due to a lack of response and no provision of supporting evidence on XXXX XXXXXXXX XXXX  behalf. 

Since the aforementioned incident, Acima credit is intentionally reporting fraudulent information to XXXX, with an intent to harm, for a debt in the amount of {$1600.00}. This debt is invalid and should be discharged as a result of the non-receipt of the merchandise purchased. I contacted Acima credit directly via written letter on XX/XX/XXXX informing them of the discrepancy and the creditor is blatantly refusing to discharge the invalid debt from my credit report. Acima has taken it upon themselves to steal my personal information, which was originally provided to XXXX XXXX 's furniture at the time of purchase, and is intentionally supplying fraudulent information to XXXX with the direct intent to damage my credit. Included in the letter to Acima was exculpatory evidence of the original dispute documents filed to my credit union, and the credit union 's response validating my dispute following their investigation. Upon receipt of this evidence, which would be found admissible in a court of law, the creditor is still refusing to discharge the fraudulent information from my credit report. 

Please find attached with this complaint more exculpatory evidence aligning with the details of my complaint against Acima credit. In the email from Acima offering me credit on the date of purchase, please note that the document clearly states the burden of proof confirming the delivery and receipt of furniture is the responsibility of Acima. This creditor was negligent in their dealings with XXXXXXXX XXXX and did not do their due diligence. They are using my personal/sensitive information to commit a crime against me with no intent to provide resolution.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OFEDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 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 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 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 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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Information is missing that should be on the report

Something is showing on my credit report that does n't even report a name of a company. It 's showing as Not Reported. How can that be? How can that be considered validated or even verified? I really need help I have tried to dispute it with Equifax but no luck getting it resolved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I bought a product from Equifax for XXXX online I was. alerted that my report was accessed 27 times so I called to dispute the information. 
I have a product I bought that supposed to have fraud resolution support, i called. Equifax to dispute these fraudulent inquiries they. wouldn't do it, but this product gives you or supposed to give the abililty to dispute fraudulent accounts or inquiries, i was treated with disrespect, I paid for this product and I expected help for the 27 inquiries on my credit report because its inaccurate information, thats what this product is there for you to buy and get customer support from a fraud resolution representative at Equifax, this product seems to be fraud you spend the money you go to call no help at all, I want Equifax to reach out to me and resolve this, under the fair credit reporting act you have the right to dispute fraudulent accounts any inaccurate information on your file and information that you recognize, please help to resolve this .i have contacted Equifax they have failed to help with the situation, I bought a monitoring product and it alerted me that my report had over 27 inquiries on my file and this is fraud and I dont recognize these inquiries I have ask Equifax to remove these inquiries and in their response they want me to go to each individual company and dispute it with them but due to this COVID-19 no one is in theses offices at this time, so I bought this product to insure I stay on top of my credit but unfortunately Equifax has took my money and doesnt want to help I was treated with disrespect and hung up on and I sent them a FTC identity theft report to show I filed it and sent to them through better business bureau they failed to want to help, please have Equifax resolve this and take these inquiries off my file please and have them contact me I will not go through any company because of this COVID-19 thats a waste of my time and these inquiries are fraud, I do not want a fraud alert on my credit report Ill decide that, but please help as I have tried 10 times and Equifax has ignored me
Complaint sub-issue: Information belongs to someone else

This is one of my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account 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 an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account 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 or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$0.00} and XXXX XXXX XXXXXXXX Opened XXXXXXXX XXXX XXXX Balance {$2600.00}.
Complaint sub-issue: Problem accessing account

I have been receiving Emails, phone calls and letters from the Know Your Customer team at Citibank since XX/XX/2017. They claim that they are investigating me and my small business checking account for possible money laundering and the letters threaten to close or block my account if I do not comply.

I have responded in numerous ways in attempts to provide them with the information they requested. First they asked for information on the charitable contributions from this account, and then other information. No matter what I have done to comply with their requests, the matter is not resolved. Moreover, in addition to the constant barrage of threatening letters, Emails and phone calls, they have in fact closed, opened and closed again my account numerous times. Despite talking to them on the phone on dozens of occasions and being in contact with my personal banker at the local branch on XXXX XXXX in XXXX, I continue to get emails, phone calls and letters telling me that the issue is not resolved. Today Wed XX/XX/XXXX I had my son call again. He spoke with and I have spoken with both XXXX, XXXX of the XXXX team and XXXX of the XXXX team. The second XXXX   promised to send me an Email confirming that the issue was resolved and that we didn't need to send more forms, the latest one being a Beneficial Ownership Declaration, and then put me on hold for 10 minutes. She then got back on the line and told me she had to investigate the matter further and would NOT send the Email as she had promised. She then hung up when I requested to speak to a supervisor.

I am an XXXX  year old woman and I use this account for a small business I have. I have had this account for twenty years and up until now have never had a problem. Over the last few months of this travesty the account has been opened and closed several times and yet is still not resolved. The literally dozens of Emails, phone calls and letters have left me hysterical and distraught. I am requesting that you investigate this matter and have Citibank resolve it so that I do not receive any more calls, letters or Emails from them. This constitutes harassment and abuse. Given that they have closed my account ( and reopened it ) numerous times over the last three months and I continue to receive daily calls and Emails, this matter is rather urgent for me as I am extremely upset.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under XXXX XXXX XXXX for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting yout this CFPB Complaint today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the Credit Reporting Agencies ( You ) shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please comply with the law.
Complaint sub-issue: Information belongs to someone else

I have other names social security numbers addresses phone numbers and accounts that have never belonged to me in my reports and XXXX Equifax and XXXX keep showing this information against my person
Complaint sub-issue: Account status incorrect

In XX/XX/2020 i received a check to pay the balance for the debt that i sent to the company, they sent a 1099c and refunded me the funds i had sent as they cancelled the debt and promised to remove. I have reported them to the FTC as well as called several times with no letter or 2nd copy of my 1099c for my mortgage company and was hung up when I requested them to honor the FDCPA and remove the debt as it was forgiven, which under the FCRA then they aren't allowed to be reporting this debt, I have 2 other debts with them that were also forgiven but no 1099c provided and are still on my report from the same company.
Complaint sub-issue: Their investigation did not fix an error on your report

I was affected by the Pandemic and they offered me moratoriums and then they affected my credit. I have never stopped paying and have continued to pay as agreed after the moratoriums. The companies do not correct my credit even if they have sent proof of payment.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX times to take off XXXX addresses and XXXX comany email that is not mine.
Complaint sub-issue: Debt resulted from identity theft

My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report
Complaint sub-issue: Frequent or repeated calls

this company is calling my work phone number daily. Have n't received anything in the mail within the required time frame of them calling me per FDCPA.They only call my work number and not my personal number. This needs to stop as my work number is for work purposes only.
Complaint sub-issue: Reporting company used your report improperly

This is part of the Equifax data breach. I am just an ordinary American here, but it looks like they took a long time to disclose the breach ( imagine that their stock will tank now ), and they are seemingly forcing people into arbitration and a service to protect what they have already lost. It also appears that federal law requires creditors to report information to this agency, thus putting Americans in " harms way '' ( by law ). Without any way to limit this, I ca n't even be certain that I will not be a victim of identity theft. I have put a 90 day fraud alert on my wife and my social security numbers. Not sure what else to do. On there website, I went to the area where you could see if you were " affected '' - it says that indeed I was - here is the text : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. 

I do not trust this company with my information and believe they have not done enough to sufficiently protect what is entrusted to them by the Federal Government. 

Please let me know what I can do about this. 

Thank you.
Complaint sub-issue: Debt was paid

This company sent my account into collections. I contacted thr collections company and paid the balance in full for the amount owed. I never moved or changed services. I never obtained any other accounts with this company. A couple weeks later I received a Bill for {$30.00}. I called XXXX to inquire about the bill. They told me that lt was for a return check charge. I let them know that when I paid them the money owed it was with a card and not a check and it cleared. They told me they see a note that credited the {$30.00} back to my account. They told me My account was closed and I do n't owe any other balance. Today I received a call, stating I owed the entire balance again of XXXX. A different creditor. I again called XXXX to inquire, they stated they dont know what got mixed up but I no longer owe anything for this account. Debt collectors stated they just received the account Today, and that they ca n't delete it until I pay. XXXX says I do n't owe the debt, yet they are n't helping me to resolve the debt in collections nor are they able to verify the debt or pull up the account.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern,Please consider this letter as a formal, written grievance against the mishandling of the federal loan account ending in  XXXX and, the subsequent disputes regarding an erroneous delinquency reported to the credit bureaus, to include XXXX, XXXX   and XXXX. I implore you to review the inconsistencies within your internal emailing system and the misstatements given by your managing account specialists. Moreover, I would like to bring your attention to two phone conversations held with federal loan specialists, in which the first agent provided contradictory information to that of the 2nd representative.Initial call took place on XX/XX/2019 at proximately XXXX XXXX. Please track sequence and review this call. Within this call, the representative scoffed at me to imply that I was lying about ever submitting a deferment.  The federal loan account specialist confirmed with upmost certainty that there was absolutely no record of Any deferment documents in her system. Her condescending tone was quite discouraging therefore, I allowed her to terminate the callWithout resolve. She advised, as you will hear from the recording, that without a confirmation email, no receipt could be verified. Later that evening, I called and advised that I would record the call for quality assurance. The call had to be transferred . XXXX  (XXXX  sequence number) was gracious enough to review file. After searching multiple times, she was able to confirm my deferment documents. This leads me to believe that when the deferment was confirmed over the phone previously , that the file was mishandled, file was not denoted and I, misinformed. This has caused a great deal of emotional distress upon me. I have pleaded for assistance but, instead I’ve been ignored and bullied by the federal loan team. I have attached phone records for your reference so that you may locate calls and I have printed both confirmation emails.This is my last attempt to resolve amicably.If not able to resolve, I will retain counsel to litigate these matters. Please be advised that a copy of this letter and supporting documents will be provided to credit bureaus. Regards.
Complaint sub-issue: Was not notified of investigation status or results

I mailed a formal written complaint to Equifax, XXXX, and XXXX on XX/XX/2021 requesting to remove inaccurate and incomplete credit information from my credit report. On XX/XX/2021 I wrote a second request requesting an investigation into items that I believed were OBSOLETE as stated on the XX/XX/2021 request. As of today XX/XX/2021 I have not received a response from Equifax, XXXX or XXXX  for either request on the XX/XX/2021 or XX/XX/2021.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX CARD Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account Equifax Mortgage Solutio XX/XX/2021, 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