Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

XX/XX/2017. 

XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my XXXX written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and Section XXXX ( XXXX ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section XXXX ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

AFNI calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.
Complaint sub-issue: Investigation took more than 30 days

Hello, I filed a report with the XXXX XX/XX/2021 ( XXXX Report Number : XXXX ) listing all accounts, inquiries and addresses that do not belong to me sent via XXXX XXXX mail with XXXX ( tracking # XXXX ), Equifax ( tracking # XXXX ), and XXXX ( tracking # XXXX ) on XX/XX/2021. It has been more than XXXX days and they have completely ignored my letters.
Complaint sub-issue: Billing problem

I purchased a car in XXXX. I received a loan from an outside company that was obtained through the dealership. I never received any information from them nor a contact for them. I never received any mail with any billing information. Car was repo 's yesterday due to non payment and the guy who took it was nice enough to give me the name of the company that asked him to repossess. I XXXX and emailed an entity which I believe is them and they responded stating due to Hipaa they can not tell me anything ( even if they are the company ) and im supposed to call during their business hours which are XXXX eastern time. I work full time in a callcenter and is going to be about impossible to reach them via phone without taking time off. I was in the middle of moving when car was purchased but the mailing address ( po box ) never changed and I had mail forwarded at old address so even if they sent to that one I should of received some sort of billing. And if the dealer opted me into paperless I would of received some sort of email. Horrible customer service, can not pay if I dont know who /how to pay.
Complaint sub-issue: Was not notified of investigation status or results

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. UNKNOWN CREDIT ACCOUNT DUE TO REPORTING AGENCIES NOT PROVIDING IT. CREDIT LIMIT {$2000.00} ( OPENED XX/XX/18, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. UNKNOWN CREDIT ACCOUNT DUE TO REPORTING AGENCIES NOT PROVIDING IT. CREDIT LIMIT {$2000.00} ( OPENED XX/XX/18, WITH NEGATIVE ITEMS IN YEAR XXXX, XXXX, XXXX, XXXX, XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX AND XXXX SHOWING " OK '' IN THEIR REPORTING.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Account information incorrect

After several disputes Equifax showed 6 accounts as not reporting ( see enclosed report pages ) but now they are back on my report. Please remove the following accounts : XXXX XXXX never late XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX never late
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I had a refund returned to my card, since XXXX does n't refund back to XXXX. The cashier told me to swipe any card. I swiped my PNC smart access card. A few days later my account was closed, I called a week later ( when I realized ) the rep told me I was contacted to send proof of purchase. Nope, there was no contact from the bank. I later on, took it upon my self to send in the fax and find the number and everything to resolve the issues. I have send the proof of purchase. And still no resolution. I 've called them every other day saying the same thing, no ipdate, we did n't receive the fax, call back again. I 'm now convinced nothing is going to get resolved. Please help. PNC is the worst bank ever.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX XXXX file dispute with each credit report agency XXXX, Equixfax and XXXX. I reached out to them because of inaccurate information that is being reported. I had a account with XXXX consumer which was open on XXXX XXXX I have suffered a lot with that company they increased the payment that I should be paying each month when the account wass open without informing me and then covid came in I lost my income due to an injury the account was not in a charge off state and it closed XX/XX/2021 but I have noticed that the credit agency 's keep reporting it as Charge off even though the account was closed and that is illegal according to the FCRA 623 provisions. 

The dispute was completed and the only thing XXXX did was update the information after I requested it to be deleted from my report. 

If you take a look at the attached information on my credit you will see that information is on my credit but no payment history on XXXX but have a charge off the information is not reported accurately and I need it removed that's utterly ridiculous and it's causing confusion. 

According to the FCRA Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


After the investigation has been completed and the account removed from my credit I would like for each XXXX, Equixfax and XXXX to send me an updated report of my credit after the investigation has been complete.
Complaint sub-issue: Account status incorrect

Money lion inc has been reporting delinquent payments months after the late payments. 
I fully paid off the loan on XX/XX/2019 and they are showing the account still past due to this day XX/XX/2019 and reported missed payments on XX/XX/XXXX and XX/XX/XXXX which caused my credit score to decrease significantly. This seems very unfair to me until I paid the account off the late payments were never reported. 
I contacted money lions support team and they stated that the system does this automatically and they have no control over the reporting nor would they attempt to help me. I asked to speak to the supervisor and never connected to them, and was told the supervisor would do nothing for me. 
They stated they can do nothing on their end and I would need to dispute this via XXXX  or XXXX
Complaint sub-issue: Problem with customer service

I just got a letter on   XXXX   XXXX   XXXX    abo ut the deceptive practices for  XXXX   college that  I attended in  XXXX  and graduated  XXXX  from the  XXXX   XXXX   XXXX   Virginia Attorney General. I had  a Genesis loan  that I had paid off in the meantime. I found my letter from them when I got this loan back in  XXXX   XXXX . I have tried calling the number on this paper (  XXXX  )  XXXX , which w as Gensis  lending which then referred me to these  XXXX  numbers (  XXXX  )  XXXX  or  XXXX   XXXX   XXXX   XXXX . These  XXXX  companies have no information because I have paid off my loan. So I do n't know about how to go and get information for them to refund me the amount I had paid them.
Complaint sub-issue: Public record

State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway.
Complaint sub-issue: Debt was paid

I have received multiple calls from both a local number ( XXXX area code ) as well as calls from the XXXX area ( XXXX area code ). I have answered and spoken with the representative to request a cease of contact and have been still receiving calls. I have worked tirelessly over the past several years to satisfy all outstanding debts and collection accounts and have pulled my full credit report multiple times. The debt in question is posted on my credit report as " legally paid in full for less than original amount '' which should have ceased collection. I have notified the collection company " XXXX XXXX '' that the debt has been settled and to please stop calling me. Phone calls have been from XXXX and XXXX over the past 2 weeks. Even after telling them that the amount has been satisfied, they say I still owe over {$7000.00} for Citi Financial. Only remaining collections on my account are XXXX overdue bill and XXXX XXXX overdue bill ; both have been paid and satisfied.
Complaint sub-issue: Account status incorrect

equifax reporting account incorrectly XXXX XXXX credit card being reported incorrectly
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my Equifax credit report I noticed a bankruptcy that is not mine. I contacted Equifax in XXXX about this matter and have continuously called about this matter. I sent a ftc report as asked to them on XX/XX/22 in order to get this item removed. I am a victim of identity theft and the listed bankruptcy reporting on my credit report is not familiar to me I have no knowledge of this public record. I have asked them to investigate and remove this based on the grounds of identity theft. From my understanding they have 5 days from the receipt of the ftc report to remove the fraudulent items I have listed in the report. They refuse to even acknowledge they received this item. I am attaching a copy of the report and my license for verification.
Complaint sub-issue: Company closed your account

Citi Bank Shut down my Credit card s Accounts for no reason and all of a sudden The credit cards was established in   XXXX   and after which should represent and play an important role in the Ages of my credit if they where still open. pls see attached chart from experian where the chart shows that Age of credit History factor around  % 30 percent from my FICO credit score now i have to pay the price very high and are very costly to take out a mortage loan with my only current credit score   XXXX  FICO so i have to jump to  XXXX  to get those Pricing for the  APR on the loan see attached estimate from my loan officer i called today Citi Bank Credit cards C ustomer service on  XXXX   XXXX  and tried to reopen an account that was closed previously but it was denied automatically they only keep the accounts that i shows it was closed by consumer in customer service System, the account that is closed by credi t grantor they keep it in the ARCHIVE where no one can access it according to what they are Saying but they forgot that those account shows on my credit report pls See attached report page 5 and 6 Customer Service at CITI CARDS calls will go no where and supervisor wo n't help they refuse to open any old account and they are not aware that they Damaged my credit report even tough i had a great payment history with CITI cards among all the 7 to 10 Credit cards i had with high Credit Limits
Complaint sub-issue: Information belongs to someone else

XXXX  is reporting a negative account on my credit file from XXXX XXXX/XXXX XXXX that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.
Complaint sub-issue: Account information incorrect

On XXXX XXXX XXXX, I was the victim of identity theft. Someone used my Social Security Number and tried to open a XXXX XXXX credit card and a XXXX credit card. The accounts were denied and I received a letter from both companies stating what had happened. But, they are now on my credit report as " hard inquiries '' which they say could be on my report for at least two years. I plan to purchase a house in XXXX and I would like to have the best credit score as possible and this is severely impacting my Equifax score. I had no control over this situation, so I am hoping this could easily and quickly be removed. Thank you!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is requesting increasingly personal information. Each time saying it doesn't recognize phone number I have had for at least 15 years! These are foreign individuals. First one got SS # and heard that my call was related to understanding why XXXX XXXX XXXX would decline coverage based on Consumer Reporting Agency information. THIS SHOULD NEVER HAVE HAPPENED as I did not request coverage with this insurance company and never provided SS #. That person, XXXX, hung up on me. I called back & someone by name of XXXX ( foreign speaking ) gave me great grief regarding additional information she wanted and kept saying " system didn't recognize answers and blocked her '' so needed more and more PERSONAL information. I requested to speak with a Supervisor and was put on TERMINAL hold. Then a recording kept playing over and over again with initializing automated recording all over. I had to call back and finally got a supervisor. It was a nightmare!!!! just trying to confirm that my credit freeze was in place. 
SOMEONE NEEDS TO DO SOMETHING ABOUT THIS AWFUL PROCESS!!!! It was an hour and one half to get a simple answer regarding confirmation of my credit freeze
Complaint sub-issue: Account status

account has been settled in full and is still being reported as a open collection.
Complaint sub-issue: Information belongs to someone else

I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are a few accounts in negative standing appearing on my credit history. The accounts are from these companies ; XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with those companies nor am I affiliated to them in any way. I don't know who is responsible for those accounts but I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Complaint sub-issue: Was not notified of investigation status or results

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.
Complaint sub-issue: Old information reappears or never goes away

my information was used in a data breach this account is not my account and needs to be removed asap
Complaint sub-issue: Confusing or misleading advertising about the credit card

Sears sent me a letter on XXXX XXXX, XXXX stating that my existing Sears credit card would be " upgraded '' to a new Sears Mastercard issued by Citibank unless I contacted Sears to declince the offer. I think it is underhanded and an unethical approach because the onus is on the customer to decline the new credit card. I think there is a great possibility for customers to miss the decline date, misunderstand that they need to decline the offer or perhaps not even receive the letter through no fault of their own and then be saddled with a credit card that the customer did not request. In my opinion this approach is just short of what credit card companies have done in the past when they sent credit cards in mail without customer knowledge or acceptance. This tactic may be legal but the potential for issues to be created for the customer are significant and therefore I think that Sears should not be allowed to issue their credit cards in this manner. I declined per the instructions in the letter plus I sent Sears a letter informing them of my profound disappointment plus I felt it was important enough to bring this to light outside of their company and that is why I submitted this complaint.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have filed with the FTC and other law enforcement agencies to remove the information from my consumer reports as required however the credit report agencies refused to remove the items listed.
Complaint sub-issue: Don't want a card provided by your employer or the government

I was mailed a USBankReliacard Visa Debit card out of the blue. After researching it a bit I activated it thinking I was either going to get COVID stimulus payment or just setting it up before I retire ( next year ). 

I received a deposit two days ago ( XX/XX/20 ) of {$480.00}. I thought that was weird. After doing more research I found out that it is for Unemployment Insurance for the state of Ohio. I live and am still working in New Jersey and have never applied for benefits. 

I called USBankReliacard and they canceled the card. 

Now I am reporting this to you as I believe my information has been compromised.
Complaint sub-issue: Can't close your account

XX/XX/22 I received an email stating I had a balance on my Citi Bank CC card ending in XXXX. The card had not been used by me for about 3 months and when I checked online for what the charge was for, it was an XXXX purchase which the dates did not line up to my orders in my XXXX account so I assumed it was NOT MY CHARGE. I called the fraud department of Citi Bank and talked with someone named XXXX to dispute the charge and CLOSE MY ACCOUNT. This was supposed to be a RECORDED CONVERSATION. At first, he told me when I told him I wanted my account CLOSED that he would be sending me out a new card with a new number... .I told him NO, I DO NOT WANT A NEW CARD, I WANT MY ACCOUNT CLOSED! He never said anything further so I assumed that is what was done. 

A few minutes later, I called them back because I realized that the charge may be a delayed charge for an order that I received a couple months after the order date. In the process of that call, was told a new card HAD been dispatched to me, WITHOUT MY CONSENT, in fact, I had XPRESSLY STATED I DID NOT WANT THE CARD, but it was sent out to me anyway. 

I couldn't get thru to any of the departments, was on hold a VERY LONG TIME, finally decided to try their " chat '' on their Citi website. I spoke to someone named XXXX, she confirmed a card was on the way to me... .when I told her I wanted it CLOSED, she said I'd have to call back when the card arrived. I asked her what was going to stop another XXXX from sending me another UNWANTED CARD, just like XXXX did. She said she " couldn't help me ''. I tried to find a corporate number, called it, they don't take complaints, so I'm filing this. 

This company DOES NOT HAVE THE RIGHT to try and FORCE ME TO KEEP THEIR CARD! It's a scam! I want nothing to do with CITI BANK after this experience, what a JOKE! But I do NOT want an open account with them!!!!!!!
Complaint sub-issue: Old information reappears or never goes away

I have requested for XXXX to fix my personal information and DELETE ALL OTHER INACCURATE NAMES And addresses from My consumer report. This is inpacting important situations for my well-being. This company is in violation of The law title 15 USC 1681b ( a ) ( 2 ), A CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ; IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 
This company has knowingly furnished my consumer report with inaccurate information multiple times without having my wet ink, written instructions to do so.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX does NOT report anything positive on the credit report since it is considered a business card but the ssn was used in order to obtain a credit card. When called, both times, the representative stated that the accounts are reported to XXXX & XXXX. However, XXXX XXXX reported an inquiry on the personal report without consent. 

A letter was sent to the XXXX, XXXX XXXX, demanding the removal of such inquiry and they denied it, stating it was done according to the contract. 

This is untrue because according to the Credit Reporting Act 15 U.S. Code 1681b, it unlawful to obtain a credit report/inquiry from XXXX, XXXX, Equifax, XXXX without authorized and permissible purpose under the FCRA. 

A letter was sent demanding they remove the inquiry and pay {$1000.00} fine.
Complaint sub-issue: Information belongs to someone else

XX/XX/2018 I am being hit with a 2 separate hard inquiry from XXXX XXXX which was fraud and I never applied or tried to apply for any XXXX XXXX. 

I have called XXXX once I found out about this through XXXX XXXX   and told them about the fraud and that this was not authorized by me and if they can remove the hard inquiry due to the fact that this wasn't me