Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

Enhanced Recovery Co has reported an account to the credit bureaus that does not belong to me. The never contacted me or sent me any kind of letter regarding the matter. The account is for {$320.00} and it does not belong to me.
Complaint sub-issue: Reporting company used your report improperly

XXXX you wrong information method of verification XXXX use of my information I written in a certified letter to the company, requesting method of verification within XXXX days. I have not received anything, and no update on how they verified this account with the miss information on there. 

In accordance with the fair credit reporting act. The lost of account has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1581. 


Account name XXXX of Nevada XXXX Has violated my rights 15 U.S.C 1691 section 602 A. states I have the right to privacy. 

15 U.S.C is 1681 section 602 A section 2 it also states a consumer reporting agency can I furnish account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states No consumer report agency may make any consumer report containing any other following items of information. Any other adverse items of information other than records convictions of crime which antedates the report more then XXXX years. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus did not fix any dispute or investigation. The automative system continues to fail and not do anything about the problem.
Complaint sub-issue: Account status incorrect

RECEIVABLE MANAGEMENT SYSTEMS IS reporting a collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau 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 Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

XXXX 2015 I paid my account through a credit card in good faith. A year later I get a phone call from Conn 's Home Plus customer service telling me that I have a past due balance. I was puzzled and explained to the agent that I had paid off account. They stated they had no record of me calling to get a pay off balance. That is correct. When I logged onto my account online it gave a pay off balance and that 's what I gave the other creditor. Nowhere online did it state I needed to call to get a pay off balance.
Complaint sub-issue: Debt is not yours

The cable/internet company XXXX XXXX has attached an account in collections that is not mine but belonged to a previous resident at my former address. My account is current. They refuse to remove the delinquent account off my credit report because my former address was the same as the other account.
Complaint sub-issue: Debt was result of identity theft

USCB AMERICA is collecting {$2400.00} for XXXX XXXX XXXX. 

I have a medical health plan through my employer, and my XXXX online account shows there is no medical bill. I have not received any letters and messages from XXXX regarding this bill. 

Thanks
Complaint sub-issue: Information belongs to someone else

Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( XXXX XXXX XXXX XXXX ), which now XXXX XXXXXXXX XXXX XXXX is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and Equifax. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX of XXXX I attempted to create a my equifax account online an error directed me to call in. 
The automated system asked for information which equifax has the incorrect answers to. 
Using another service I got a copy of my credit report and called equifax back and verified myself through automated system using their incorrect answers. 
Finally got ahold of a representative who worded questions so weird I had no clue how to answer. Turns out it was yet another case of equifax needing their incorrect information. 
So I was able to log in and create an account. 
Equifax had taken it upon themselves to lock my report due to the XXXX breach and me filing to be part of the settlement. Found out the settlement was free credit monitoring by them. They couldnt monitor my information the first time, no thanks. So I was able to lift the lock. 
In XX/XX/XXXX I am unable to log in, spend 45 mins on phone told to create an acct using another email ... this just returned an error telling me to use original credentials, the ones that wont let me in resulting in my call. Am told I will receive a link in my email to log in. Wait 2 weeks, check spam relentlessly, nothing. 
XX/XX/XXXX I spend an hour and a half on phone ( see above ) Wait a week, no email. Call another department to hopefully speak to someone with other ideas. This department gets me into my account. 
Here online I begin the dispute process for a number of items that only equifax is reporting. 
XX/XX/XXXX I attempt to log in to check my status of the disputes via a link from equifax. Link brings me to login where I receive an error directing me to call in. I call in and am told I need to wait another 15 days. 
15 days later I go to log in. Error. 
Call equifax and am told to fax in pic of id, proof of address and pic of ssn card. 
Done as instructed. 
Receive email. Link to view status of dispute. Link doesnt work. Call. Told received documents but another department wants to review due to a tear in my ssn card, but that this rep can see all the numbers so not sending for further review, am told docs OKd ready to process disputes. 
Receive another email directing me to view status. Link does not work. 
Now XXXX of XXXX. MY BANKRUPTCY IS FINALIZED AND EQUIFAX IS THE ONLY BUREAU STILL REPORTING INACCURACIES. 
I call equifax again and even that rep can not get me into my account after password resets and direction to create another acct with new email. I advise rep this will only direct me to use my original credentials. Advised to fax written dispute request and that the previous rep did not pass my ssn card it is still being reviewed. 
XXXX XX/XX/XXXX, fax all identifying information again and include written request for disputes. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX now when I try to log in I receive an " temporarily unable to process this request '' and can not login. Does not even direct me to call. 
This is ridiculous.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX   CBNA/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD and XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, OH Both made unauthorized inquires on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Complaint sub-issue: Reporting company used your report improperly

According to 15 USC 1681 b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, have given no written instructions. XXXX, Equifax, XXXX XXXX allow inaccuracies to be furnished on my consumer report. These inaccuracies make me lose confidence in the banking system. This is not fair to my credit; according to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate consumer reports.
Complaint sub-issue: Information belongs to someone else

I recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

I was surprised when i saw adverse effects on my credit report. I disputed the accounts with the credit bureaus and requested for evidence proving that the accounts are my responsibility and did not get a reply..CFPB please remove the accounts ASAP, nobody wants to grant me a loan because of these errors XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX   XXXX )
Complaint sub-issue: Problem during payment process

On XX/XX/2019, the Citibank Sears Shop Your Way credit card internet system has a notation showing that a payment of {$200.00} was received and there is a confirmation number for the transaction as well. We continue to receive harassing phone calls from the company " attempting to collect a debt '' which is not currently owed since the amount due on the payment was {$150.00} and we paid {$200.00} according to the company 's own system. To deter further calls from the company I scheduled another payment in the amount due ( {$150.00} ) today but they tell us that there is the potential for them to continue calling us for multiple additional days to try to collect the debt. How do I go about stopping this? This can not be reasonably legal under the Fair Debt Collection Practices Act or any other intelligent legislation.
Complaint sub-issue: Debt was result of identity theft

Please Contact all XXXX XXXX Agencies and demand they delete these item from their reporting immediately as the items have been identified as information in my consumer credit report that is a result of identity theft. These item are not related to any consumer transactions completed by me or initiated by me, Please see attached.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX am a victim of identity theft, There are fraudulent accounts on my credit profile that need to be removed immediately!
Complaint sub-issue: Didn't receive enough information to verify debt

AFNI has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Account status

Equifax refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Equifax, but Equifax refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.
Complaint sub-issue: Old information reappears or never goes away

I have been waiting for the following information to roll off of my credit report after 7 years. I just requested on online credit report and it says it is 10 years. Did the rule change? Is there anything I can do about it?     -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A lien is a legal claim on an asset, and Equifax only collects tax related liens. Liens stay on your credit report up to 10 years and generally have a negative impact on your credit score.     Case/Docket #  XXXX  Date Filed  XXXX / XXXX /  XXXX   Court DE  XXXX  CO  XXXX   XXXX  {$620.00} Date Reported Status Lien Class State Comments
Complaint sub-issue: Information belongs to someone else

I submitted my personal statement, fc report, identification card and I identified the accounts that were inaccurate.
Complaint sub-issue: Didn't receive services that were advertised

After hearing about the Equifax computer break in I went to the website to register for free crediting monitoring and credit freeze. I signed up XXXX/XXXX/XXXX. The website says it will send you a email in a couple of days to finish the registration. It has been 7 days and no email has been received. When you call the number they give on the website the only thing they tell you is they have no ability to check anything and wait a couple more days. If you wait and then call back they can only give you Equifax 's number which is continually busy. If you do get through and go through all the prompts to speak to a Equifax agent the last prompt they switch you to gives a busy signal. If you try again the same thing happens.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Complaint sub-issue: You never received your bill or did not know a payment was due

I left the country and moved to XXXX in XXXX. I visited the local Citi branch and changed my address to my XXXX address to receive my monthly bills. I was unaware that my card was being unpaid as I did not receive any of the mail. I have never been late in paying the card or any bills at all in my life until this move, I'm unsure why my mail was still sent to my former address when I went to have it changed and explained my move at the branch. Late reports were listed on XX/XX/XXXX & XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Bank ran my credit on XXXX XXXX and I have not done any credit applications with any bank in 3 months. I called to ask why they ran my credit and they keep transferring me an referring me to other banks to call. No one is taking responsibility for why my credit is being ran. XXXX bank appeared around the same time on my credit. I do not have an account or any other bank products with either of these banks. The credit bureaus refuse to remove these inquiries and is referring me to the companies directly even though I told them my identity has been compromised. 
Among these inquiries that I have previously sent complaints about are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. The credit bureaus will not validate these nor delete them when I told them that I did not authorize these and sent in proof that I had a police report showing my purse was snatched with all of my identifying information inside of it. 
I have a security freeze posted on my credit to keep this from happening again, but I need these items removed in case I want to get credit in the future.
Complaint sub-issue: Problem with balance transfer

I made a purchase for {$6100.00} on XX/XX/XXXX. On XX/XX/XXXX I moved that purchase to the Citi flex pay plan transferring that balance out of my purchase account and into my Citi flex plan # XXXX. I made my scheduled payment of {$3800.00} effective for XX/XX/XXXX. On XX/XX/XXXX my bank notified me that the payment was to be rejected because they closed my account due to a XXXX fraud attempt. I immediately called Citi and informed them of this. I asked them what to do and they said I needed to make a replacement payment for the same amount which I did. I even have an email record from Citi stating a " replacement payment is required '' to my account. The problem is that Citi then applied this replacement payment against this flex pan # XXXX instead of my outstanding balance. This was noticed by me when Citi revised my XXXX statement and charged me fees for the returned check and interest on the standard purchase and the offer. I called Citi on XX/XX/XXXX to discuss this. I spoke to a representative who saw the issue and put in a request for the back-end team to move the amount back to the flex plan and apply the payment correctly, she said it would take XXXX days. I called early in XXXX and spoke to another representative and then a supervisor. The supervisor informed me that the representative on XX/XX/XXXX did not complete their request to the team, so no work had been completed. He said that he would put in the request and expedite it to make sure it was handled accordingly. This was not done. I called again on XX/XX/XXXX or XXXX and talked to another representative and supervisor. This supervisor assured me that he would correct the matter and to " consider it solved ''. In fact, he did accomplish something, but instead of fixing the matter, the back-end team moved all but {$27.00} of the balance of Plan # XXXX to my purchase accounts in error this caused me to incur in error an additional {$110.00} in interest. I called on XX/XX/XXXX and spoke to another representative. He explained that the back-end team was still working on the case and would in fact clean it all up and everything would be right within 5 days. I waited and then called today XX/XX/XXXX and had my worst call with a supervisor. He choose not to listen and said that everything on the recorded calls was wrong and that Citi has determined that I am at fault here and responsible. I told him there are multiple recorded calls with Citi employees advising me on what to do and stating they will correct Citi 's error, he refused to acknowledge the fact and said he would do nothing. I immediately told him I would be disputing the amount and needed the address to write the dispute to as well as informed him that an FTC complaint would be filed for failing to adhere to the laws and guidelines. He did not care and I closed my account with him and he was finished with me.
Complaint sub-issue: Was not notified of investigation status or results

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
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 ask 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