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

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX  XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX {$910.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX {$26000.00} XXXX XXXXXXXX XXXX {$110.00} XXXX  XXXX {$32.00}
Complaint sub-issue: Was not notified of investigation status or results

This is a formal complaint against Equifax Information Services LLC located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax Information Services LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Complaint sub-issue: Information belongs to someone else

I am victim of identity theft, i have been submitting dispute to this company since XX/XX/2020 and i have not get any respond or justification of why this fraudulent account have not been remove from my credit report. no investigation have been made. no proof of any investigation is send as my request. i been totally ignore by this company. they are going against my right. 
see attached policy report letter been sent to this company and proof of my identity
Complaint sub-issue: Information belongs to someone else

My discover card with acct no XXXX was stolen and my card was swiped by unknown suspect and due to that incident my credit is ruined. 
My wallet was stolen on 2018 and I had talked to the customer service during XXXX or XXXX of 2018 and reported about this issue but they have not cleared this issue and reported me as charge off on the credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

on XX/XX/2021, I log into my equifax.com account to pull my credit report and the report was blank. all my information and accounts are gone. I contacted Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2021 to get assistance to gain access to my credit report. i called multiple times on each day listed. i have even sent letters requesting a hard copy of my credit report. every agent told me they would escalate the issue to their " escalation department '' and it would take 7-10 days and they would send me a email. well it has been 2 months later and I have yet to here anything from anyone. and my credit report is still blank and i have not received on by mail. no one at the company will help, i have had agents hang up on me, and be completely rude to me.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}
Complaint sub-issue: Personal information incorrect

The inaccurate personal informations listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureaus. The reality that these informations continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate informations listed below as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Date Updated : XX/XX/2019
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem accessing account

The company has locked my account and refuses to unlock it. It has been about three days They are so understaffed that they are not answering the phone for the loss prevention department. I have been on the phone for over an hour. No one else can help me at the other phone lines. 

The bank is virtual so the only option is over the phone. 

I have no access to my money and my homelessness situation has become even worse because of this delay. I could die because of the delay.
Complaint sub-issue: Reporting company used your report improperly

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX XXXX XXXX XXXX XXXX XXXX/SUNBIT ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 



If you accept my request, I will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on MRS BPO, LLC.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Investigation took more than 30 days

I have sent dispute letters to XXXX XXXX, and XXXX  and the investigation took well over 30 days.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I put in a dispute with XXXX after discovering that my credit score was negatively affected by an account with Elan Financial, an account I was not aware of nor have had any activity on and was opened by my ex-husband back in XXXX. My name is fraudulently on this account. We were in the process of divorcing at the time and had been separated a year and a half, not living together when this account began, unknown to me. After many phone calls to Elan financial I was never able to speak with anybody who would help me but continually kept getting transferred to another extension over and over again until the phone clicked off. The dispute results with XXXX verified that my name is on this joint account but I did not receive any help on how to get my name off and clear my credit. I did another dispute with XXXX on XX/XX/XXXX and finally had a fraud expert advise me to write to you as well as sending certified letters to XXXX and XXXX which I an in the process of doing. This came to my attention only recently due to the noncompliance of my ex -husband who either defaulted on this account or is late with payments. I am not sure which but I had no knowledge or activity on this account. Part of the account number is XXXX My case number with XXXX is XXXX
Complaint sub-issue: Information belongs to someone else

I attempted to open a credit card with XXXX XXXX in XXXX XXXX. When I did not receive my credit card in XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XXXX XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.
Complaint sub-issue: Contacted your employer

A representative from RNN Group contacted my employer asking for my work status and to verify the last four of my social security. I told them to cease all communication immediately and they called again.
Complaint sub-issue: Debt was result of identity theft

I have been in contact with XXXX XXXX and they have stopped collection activity on this account and the fraudulent account have been removed from both XXXX and XXXX. Why is it that your company Equifax is still reporting the fraudulent account. Not only that your company Equifax is reporting an account that is a result of identity theft. Not only was I not aware of this account, XXXX XXXX never gave me notice to dispute the validity of this account before inserting it into my credit file.However they have notified the credit bureaus that they have ceased collection. I am formally disputing this account once again as I am a victim of identity theft and this account is a result of thereof. Please remove this account from my credit file that you maintain.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX in regards to removing unauthorized hard inquiries from my credit report. These inquiries have negatively affected me from obtaining items, such as credit cards and lines of credit. I did not authorize my credit report to be pulled by the following companies ( the dates are included as well ) : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX   ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX )  XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX, XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) 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 ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I have yet to get a response from Equifax about this matter.
Complaint sub-issue: Other problem getting your report or credit score

Equifax has not corrected an issue allowing me to log into my XXXX XXXX account that was created as a result of the data breach. I signed up for an account but every time I try to log in I get an error issue. Equifax said they would fix the technical issue but it has been over 3 weeks with no resolution. Also I disputed items on my credit report and received a confirmation # to check the results of my dispute. When I go to log in I receive an error message. Equifax is preventing me from seeing my dispute results and seeing my credit report.
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  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I applied for Public Service Student Loan Forgiveness as I am a social worker for a non profit company ( in rural XXXX so I am nothing short of impoverished ). I received a letter back that stated " Our records indicate that the loans identified below are expected to be paid in full prior to your estimated eligibility date for forgiveness and therefore the expected loan balance eligible for forgiveness will be {$0.00}. '' I currently owe over {$12000.00} and have been making nothing but interest payments for the past few years which is not helping lower my balance whatsoever. I am currently on an income based repayment plan. I make my payments on time every time. I just applied and received this letter in XXXX of 2017. Just curious how they can already assume it will be paid off by the time my eligibility for forgiveness comes along. I feel discouraged and ca n't see the benefit of remaining a social worker with barely a livable wage and loans sitting on my chest. Thanks.
Complaint sub-issue: Can't close your account

I pulled a credit card with Citibank in XXXX under a zero percent interest rate. In XX/XX/XXXX I paid the card in full over the phone to make sure I was paying the entire amount owed. This was one month prior to the interest rate accrual that would begin in XXXX. In XXXX I received no statement showing balance was paid in full. In XX/XX/XXXX I logged into the card website because I just had my identity stolen and needed to check on all my accounts. I find a $ XXXX balance on my card! I called and they explained the card was used for autopayments that I never changed. I asked the company why I never received any statements and they said I was set up for email notices. I didn't have any notices and when I log into my account I see no statement for generated for the month I paid in full. I see statements for every month since I opened the account through today but no statement for XXXX after I made the payment in full. Therefore, no proof or notice that I paid my card in full. I asked the company to make courtesy of writing off all interest charges accrued since I thought this was a closed card. They told me they could only write off half. I begrudgingly pay in full and close the account, AGAIN! I log in today and see a {$6.00} finance charge on a zero balance! I have been a credit card consumer for over 25 years and never have I received so many problems with a credit card. I needed to report this because to me something is not right with this company and/or card line. In my added photo you will see the month my statement was not generated.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Today XXXX XXXX and on XXXX XXXX I saw on my XXXX XXXX Equifax report. On Equifax and XXXX XXXX credit report. They have inquiries that are due to identity theft. XXXX XXXX inquiry is XXXX XXXX. On Equifax is 2 inquiries one from XXXX XXXX XXXX  and from XXXX XXXX XXXX   XXXX XXXX. These inquiries was not done by me. Also XXXX has XXXX inquiry. These need to be taken off. Not done by me. Its identity theft. Also On XX/XX/XXXX. I reported to you XXXX ... .. this Today XX/XX/XXXX I went check my credit report as I do monthly. I found 1 inquiry from XXXX. 4 accounts from the same company. XXXX XXXX, XXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft. As of today yes its still on my credit report!! So XX/XX/XXXX its still on here ... XXXX XXXX, XXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX. amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. these 4 accounts need to be taken off my report its identity theft. This creditor needs to stop changing collection agencies. To try to get money out of me when it identity theft. This credit was notified in XXXX, XXXX. That these accounts are identity theft. The creditor refuses to stop trying to charge me. They keep changing collections agencies. Still shows up months to a year later with the same amount due. This is wrong and illegal! take this off block it
Complaint sub-issue: Account status incorrect

My XXXX account, XXXX XXXX account, and XXXX account with XXXX XXXX  have all been closed by XXXX XXXX  on or about May XXXX and July XXXX. All of these three accounts were always paid on time and show good status. However, all three accounts were closed by XXXX XXXX  for no reason. I believe the reason they were closed was due to a error on the XXXX XXXX  account, which I tried fixing for over a year with XXXX XXXX. This error was correct on XX/XX/XXXX. However, my XXXX XXXX, XXXX XXXX, and XXXX account are still close which continues to affect my credit.