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

I had fraud committed against me and reported it to Discover, XXXX and XXXX card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX  and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.
Complaint sub-issue: Information is not mine

I 've disputed this information with both Equifax and notified them each time that i am a victim of identity theft and they have refused to block or remove these accounts after I provided all required documentation. I am at the point where I will take them to court if neccessary as well as the creditors for failure to remove this information. I do NOT CARE that these accounts are positive and that they are not hurting my credit file - they do NOT belong to me, I did NOT open them, I did NOT apply for them. In addition, I had requested the actual proof, physical firsthand knowledge that verifies that these belong to me and I did not receive anything. Pursuant to section 609, the credit bureaus MUST have the physical documentation in their files PRIOR to even reporting the accounts which means that they # 1 already have the " proof '' and # 2 section 609 makes available to me all documents in my file for me to review. Section 605B states that these accounts must be blocked and investigated and I can see that none of this has occurred. I also do not see the required notice of dispute on my credit file which means that they are also in violation of section 623. These are the accounts that must be blocked and do NOT belong to me : These are the accounts resulting from identity theft and need to be blocked and then removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are resulting from fraud : XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have multiple derogatory account reporting to all three credit reporting agency, that do not belong to be, I do not own them any money. I never done business from any of these companies or received services. This is stopping me from buying a home
Complaint sub-issue: Debt is not yours

This is the third time Im disputing this debt that is NOT mine. It has been removed off of my credit report in the past and pops up again. It is not my debt and I refuse to have my credit profile defamed by XXXX XXXX and the collection companies they hire. 

They are reporting a debt that is not mine and send me letters saying that the debt is verified with no proof. Like Im not just going to pay a debt that is not mine. This is unacceptable. I sent the credit bureaus a letter disputing this debt and the company EOS CCA responds back saying the debt is verified? How? This makes no sense and their tactics are unfair and quite frankly abusive at this point. I demand they remove these negative remarks off of my credit report immediately.
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Bankruptcy XXXX XXXX  Bankruptcy Liability : {$0.00} ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Debt is not yours

Sent a debt Validation letter to company to I.Q Data international in order to Validate a debt they stated I owed.. In the letter of Validation I asked the company to provide me with a Signed copy of the agreement staying that I owe what they said I owe. i also asked company to provide me with the proof that they were able to collect in my state.. After request sent priority mailI, I.Q Data International responded with only a print out of charges that included a number that did not belong to me.. After receiving, I sent a followup letter to give them another chance of properly validating my debt as I asked but I have received no response of proper paperwork from them since and its been past 30 days since I sent the follow up letter priority mail..
Complaint sub-issue: Problem lowering your monthly payments

I have no been able to repay my student loan and it keeps changing carriers. Further more the interest and penalties now are more than double the principal. 

I understand they are calling me however, Allied Interstate LLC has been calling someone else with a similar name that works for my company. I have no affiliation with this person 's phone number and live 800 miles away from this person. The only link that we have is that we work for the same company.
Complaint sub-issue: Account status incorrect

I sent XXXXXXXX XXXX a XXXX letter via mail on XX/XX/XXXX & a XXXX XXXX XXXX  XXXX on last week requesting them to delete the charge off account that they are listing on my credit report, XXXX XXXX is continuing to add as well as remove payments from my Equifax reports which lets me know that they do not have the correct information. If this is not deleted I will be filing a lawsuit because this information is severely affecting my credit report & is making it look like this is a recent delinquency when the account went bad around XXXX or XXXX. As a result I have been recently denied credit
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX overcharged for a car rental. Contacted XXXX who claimed they would fix the error and credit back to the credit card but they never did. I submitted a dispute online with the credit card company, Citibank, but realized after I had submitted it I needed to change some of the information regarding the dispute. The only option available on the website was to withdraw the dispute, which I did, assuming I could simply resubmit it with the corrected information. But that was not an option. I called the credit card customer service and explained the situation but they just mindlessly regurgitated their horrible policy that you can only dispute a charge one time, regardless of the fact that it was only in the system for less than 5 minutes and absolutely no action was taken on their part from the dispute. I asked for a supervisor who also regurgitated the policy and basically was told to go pound sand. I don't see how this can be legal or ethical when I as the customer am telling them I want to dispute the charge but they won't because of their stupid policy.
Complaint sub-issue: Account information incorrect

PNC bank is misreporting a balance to all three bureaus on a balance that was forgiven. Please see the attached 1099. This balance was should be reporting to the three bureaus as {$0.00}
Complaint sub-issue: Reporting company used your report improperly

After the announcement of the 2017 Equifax Data Breach on X/X/2017, I entered my information on their site and learned that my information was compromised in the breach. I have attempted to reach out to Equifax to rectify the issue, but have still not heard back. Frankly, I do not find their plan to fix the issue ( their in-house credit monitoring tool ) to be acceptable, and I do not wish to continue business with Equifax. I know this is difficult since they are one of the big three credit reporting bureaus, but I still wish to distance myself as much as possible. I have since added a 90 day security freeze on my accounts to protect against fraudulent activity until this is resolved.
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, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Balance : {$55.00} XXXX XXXX  XXXX Balance : {$25.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$15.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

CRA violation no knowledge of the fraudulent XXXX XXXX XXXX appeared on my Equifax credit report. FTC ID report # XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Multiple credit report inquiries that i do not recognize were done on XX/XX/XXXX. Some were even duplicates and I already have a car loan that i purchased earlier this year. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account status incorrect

Equifax is showing my   XXXX   XXXX   student loan that was opened on   XX/XX/XXXX   as currently past due. This information is incorrect. The account is now current. The account did become 30 days late in    XX/XX/XXXX   , but payment was made and a current status should have been reported  for  XX/XX/XXXX ,  XX/XX/XXXX , and now  XX/XX/XXXX . T he account is still current. The account has been reflectin g 30-59 d ays late sinc e  XX/XX/XXXX . A dditionally, there has not been any updated reporting since   XX/XX/XXXX  . This inaccurate reporting by Equifax is affecting my credit worthiness. I am requesting an IMMEDIATE status update back to current as the account is now current. Additionally, I am requesting that account payment history be updated f or  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . The statu s has been accurately updated by   XXXX    and    XXXX  . Equifax has neglected to update the status.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed my report and I'm unfamiliar with these accounts. 
XXXX XXXX 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: Their investigation did not fix an error on your report

The reason for my filing of this complaint is that this company is not abiding by the law. I have sent a number of disputes to them in regards to Identity theft. I even attached all the evidence to prove my case as my FTC report, My police report, etc. 

But until now, this company is still reporting this fraudulent account. I am prepared to File a lawsuit against them if they continue to report this fraudulent account. For yet another time. This account is fraudulent and I want it removed from my report : XXXX XXXX , XXXX, Account # XXXX, Balance {$1200.00}, Date Opened XX/XX/2018 I am attaching herewith my previous dispute, my small claims form, my FTC report and my Police report which I sent to this company earlier.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, Account # XXXX XXXX XXXX XXXX  ), Account # XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXXXXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

THERE HAS NOT BEEN ANY PROOF FROM THE FURNISHER THAT THESE COLLECTIONS BELONG ME TO. IF THERE IS, I NEED TO SEE THE PROOF IN WRITING.

Dept of Education XXXX does not have anything in writing with MY PERMISSION to anything on my credit report.
Complaint sub-issue: Information belongs to someone else

I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under Nelnet while the other is reporting under US Dept of Education. Mind you I have never attended college in life nor applied for federal student loans.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF EDXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I 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: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is really confusing me. The report is charged off yet when you look at the payment history, XXXX  is reporting all OK payments vs XXXX  reporting all CO remarks. How did that came to this? I would like to report this inaccurate report and have this taken out of my account.
Complaint sub-issue: Other problem getting your report or credit score

Equifax will not let me in my account. Sent them proof of me still cant get in. They dont want to process my dispute. Ive sent what they asked.
Complaint sub-issue: Debt is not yours

I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for tis account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX
Complaint sub-issue: Investigation took more than 30 days

I have submitted my FTC report to Equifax on more than one occassion. Per my attached document of my FTC report you will see that this was done on XXXX, todays date is XXXX and i am still making the same claim. which is more proof than enough thatEquifax has failed to honor my rights as i have asserted them on more than one occassion. I have contacted them via phone as well mail. i have proof via usps that shows thatEquifax has in fact received my disputes along with my identity theft reports. I have been a victim of identity theft and there has been unauthorized usage of my social security number and my information XXXX XXXX inqury are violation my rights, XXXX, XXXX XXXX, XXXX and XXXX XXXX are violating my rights. The companies listed do not have authorized use of my social security number amongst the credit reporting agencies ( equifax, XXXX and XXXX  ). I have in fact been a victim of the equifax security breach as well as the XXXX data breach which they too did not have authorize use of my social security. Now i am living my life in fear and in default because of someone else and there hiccups. i have made numerous attempts to get Equifax n to ratify this and honor my rights as a consumer which has been avoided. the said items within this complaint cfpb i would like for you to have Equifax do their job and block and delete these items from my credit report. they are causing me unspeakable harm. at my age i want to relax and live out my days vs of being in fear of being a captive because someone has my information and is using is without authorization
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX XXXX I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment o my report which is incorrect, and I am asking this be deleted immediately. This are the creditors that were reporting late payments XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent this company a dispute letter dated  XXXX   XXXX ,    2017.  Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
Complaint sub-issue: Debt is not yours

This account appeared on my credit report and I dont now how it got there or where it came from. I did not sign a contract with this company.
Complaint sub-issue: Debt is not yours

I do not owe any $ for the XXXX bill which is on all of my credit bureaus. They must be confusing my name, XXXX XXXX, with another person of the same name. This is not me and I do not owe the {$150.00}
Complaint sub-issue: Was not notified of investigation status or results

I attempted to make contact with XXXX XXXX XXXX  to update and resolve the reporting that was being done on my credit report. I discussed over the phone with several agents both XXXX of XXXX and in XXXX of XXXX. The resolutions that were provided to me on the initial phone call in XXXX was never met nor followed through by XXXX XXXX. The company has falsely reported incorrect balances of my account to credit bureaus. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

I live in XXXX, KS. I opened an account in XXXX, KS prior to COVID and a job loss. I settled a debt around XX/XX/2021. The payment was made in full. 

A relative gave me notice that I have been sued in XXXX XXXX Texas. I do not live in XXXX XXXX Texas nor have I ever lived in XXXX XXXX Texas. This relative forwarded the notice to me in XXXX XXXX days prior to the date I was supposed to appear in court. I called the court and told them I live in a different state. The court date has been moved to XXXX. 

Why am I being sued in a state that I don't live? Because I have the same last name as someone in Texas? Wrong person, wrong identity, wrong location.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE. IT'S ILLEGAL TO REPORT THESE LATE PAYMENTS ON MY CREDIT PROFILE.