Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

There are 5 things reported in my credit report to Equifax that are fraudulent claims. I have provided proof many times over the last year, most recently again in XX/XX/XXXX, yet Equifax takes only days to " investigate '' and never gets verification of any such debts reported from the companies or otherwise. When I spoke to them I was told " we just call the credit company and ask if its valid '' then they verified " we do not get or have documentation of the debt ''. Examples are 2 XXXX XXXX policies that I personally closed myself and nothing was owed as I switched companies. Equifax has not been able to provide any proof or from XXXX of the report to my credit as any valid debt and I know is fraud. Additionally, there are 3 claims from the XXXX XXXX XXXX but I was only there on one day XXXX, XXXX and have provided proof to Equifax that my insurance and XXXX paid in full that one bill. There were not three seperate dates or charges there. Even with proof, Equifax did not take it off nor verify with the collection agency or institute. Equifax refuses to obtain any proof of claimed debt and does not accept the paperwork directly from my insurance company and the XXXX payment verification from XXXX too. This verifies my debt paid! Equifax does not validate or correct any of the information and simply keeps it on my report.
Complaint sub-issue: Account information incorrect

I paid off and closed this account with Greensky XXXX XXXX  on XX/XX/2019. 

They have YET to report to the Credit Bureaus that my account is PAID AND CLOSED. 

I have contacted Greensky 5 different times : Home Improvement : XXXX Patient Solutions : XXXX Retail & E-Commerce : XXXX Monday - Saturday XXXX - XXXX ET Sunday XXXX - XXXX ET XXXX They assured me that on XX/XX/2019 the credit reports would be notified the account was paid and closed. This has NOT HAPPENED. Today is XX/XX/2019 I have disputed this with XXXX  twice and XXXX  three different times. XXXX I have provided the letter stating the account is closed and has a XXXX balance and they still state that after contacting Greensky the account information reflected on my report will remain. 

This has negatively affected the rate I will receive on my mortgage.
Complaint sub-issue: Information belongs to someone else

I received a couple of bills in the mail stating that I needed to make a payment for a loan. I dont owe a loan, I dont have any loans under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

I have entered a dispute to have this BK removed from my file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. None of the 3 credit bureaus can verify the BK, ( because the court doesn't share information with credit companies ). LexisNexus is staying that one of the credit bureaus have verified the bankruptcy which is untrue. They refuse to remove this public record or state how it has been verified. Ive reached out to pacer and the BK courts and they both have stated that they do not share Bk information by way of phone, fax or email. LexisNexus has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file. This negative/unverified report is hindering me from getting credit extended to me.
Complaint sub-issue: Personal information incorrect

This is the 3 time I have complained about inaccurate information on my credit file. I have several things on my credit file that need to be addressed ASAP!! I have a very common name and there has to be several XXXX XXXX in the Ohio area however my name is not XXXX XXXX! My name is XXXX XXXX MY DOB IS XXXX MY SS IS XXXX. I WOULD LIKE A FREEZE PLACED ON ALL MY INFORMATION AND A NEW REPORT SENT OUT ASAP. MY FILE IS BEING CONFUSED WITH SOMEONE ELSE THAT IS NOT ME! PLEASE DELETE THE FOLLOWING ADDRESSES XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. THEY ARE NOT ACCURATE. PLEASE REMOVE ANY VARIATIONS AND MISSPELLINGS OF MY NAME.
Complaint sub-issue: Deposits and withdrawals

My wife and I needed new checking accounts. I was sent a promotion incentive email for Citi Bank to open new checking accounts, maintain a {$300000.00} bonus for 60 days and they give you {$2000.00} incentive for doing so. I opened my account on XX/XX/XXXX and funded it with my savings money from XXXX XXXX XXXX in the amount of {$260000.00}. On XX/XX/XXXX my wife opened her checking account from Citi and I funded it with my savings from XXXX XXXX XXXX with {$59000.00}. I then transferred {$150000.00} from my Citi account over to her Citi account to maintain a higher balance and receive a higher incentive from the Citi checking account promotion and Citi Bank has blocked my account. Since, they have not provided me the reason for blocking nor have refunded my money. They blocked the transaction from completing so, Citi currently has {$340000.00} of my life savings currently blocked. We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This savings money is everything we have as a family. XXXX college tuition, down-payment for our next home ( in which we XXXX  soon and need access to our funds to find our next home ). I called and made a complaint to Citi XXXX XXXX XXXX, they provided me with a reference number XXXX. They claimed I would get a letter within XXXX business days but those days have passed and I still have no letter or no confirmation as to when my account is going to be unlocked or more importantly my money refunded back to me. I called the XXXX XXXX back, since it has been about 19 days and since they have closed my case again with no information as to when and where my money is. Also no indication as to why my account was blocked or if its going to be un-blocked?
Complaint sub-issue: Card was charged for something you did not purchase with the card

I made a complaint to Citibank about unauthorized transactions using my card information ( XX/XX/XXXX ). The original complaint included the amount of times I had contacted the company about the unauthorized transactions ( 12 times ) and nothing was done. On XX/XX/XXXX I received a letter from Citibank and the complaint had not been fully resolved in my favor due to the representative leaving important details out. Citibank had declined my request to credit me for the 8 unauthorized charges from XXXX XXXX XXXX totaling {$230.00} because it was from the same mobile wallet used in previous transactions. I had told the representative that during that time I had lost my phone as well as my wallet while I was out. I don't know if the representative heard me but had left out important details about my phone being stolen causing my mobile wallet to be at risk. I managed to call every other card company to fix my issues but Citibank was the only company giving me a hard time. I had not attended any event at XXXX XXXX during that time. I recently have gotten a new phone as my old phone is either lost or stolen. I did not authorize ANY purchases using any phone during that time. As I mentioned in my previous complained I called Citibank to fix this issue and nothing was done for almost an entire month. I do not want to pay for ANY of these unauthorized transactions. 

XX/XX/XXXX {$52.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$24.00}
Complaint sub-issue: Debt is not yours

Date opened:XXXX Balance : {$800.00} Company : XXXX XXXX Account name : The Bureaus Inc This is false. Not me ( XXXX XXXX ) I was victim of identity theft which I just found out about while opening bank account at XXXX XXXX XXXX  this year 2021. I never applied for a credit card. I was in college ( XXXX university ) and took out student loans through XXXX. Never needed a card and now this is messing up my future and business which isnt fair. I tried to dispute it through XXXX but no word back yet. I need removed so please investigate. Theres got ta be proof its not me!
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. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on I.C. SYSTEM, INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Complaint sub-issue: Deposits and withdrawals

I was scammed notive the bank on XXXX XXXX on said situation was told i have to file a police report we contacted the bank on XX/XX/XXXX to be told yes we had to file a police report and to come up to the bank close out the account and reopen another account and that the bank would start a investigation, and that I wouldnt be responsible for paying back the dispute because I was scammed. On XX/XX/XXXX I called the bank to find out how the investigation was going to find out nothing had been investigated. So on XX/XX/XXXX we went up to the local bank to have them start a investigation because my whole work check was used to pay back the bank. I have called the fraud department to be told the account has been put on hold nothing can come in and nothing can go out. To find out that another one of my work check was confiscated to pay back the bank. I dont have issues paying the money back and was told I could make payment arrangements but for a month now they have taking my money. I have had no money for a month I have lost my home because I couldnt pay the rent, I am staying with my mom who is on a fixed income. I went to the bank today to find out that they finished the investigation and that the bank was closing my account and mailing a check to me. I did report right away but all they have done is give me the run around and kept my money. All they said is you have a lot of XXXX XXXX  transactions
Complaint sub-issue: Reporting company used your report improperly

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Below I am listing all the accounts that I found was to be wrong. Account Name : XXXX  Account Number:XXXX This Account is only being displayed on XXXX and no other bureau. I have tried to dispute this account with XXXX but with no luck. Account Name : XXXX Account Number : XXXX This account is only being reported on equifax and no other bureau. I have tried to dispute this account and with no luck. I am not sure what company this. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account NumberXXXX  This account has different dates from last reporting to date last active. Account Name : XXXX XXXX Account Number : XXXX This account does not appear on XXXX but the other two are reporting different information on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I RECENTLY DISCOVERED THAT I WAS A VICTIM OF IDENTITY THEFT. SOME OF THE INFORMATION AND ACCOUNTS APPEARING ON MY CREDIT REPORT DID NOT REFLECT ANY TRANSACTIONS MADE BY ME OR ANYONE I KNOW. I REACHED OUT TO THE INDIVIDUAL CREDIT BUREAUS AND TRIED TO RECTIFY THESE PROBLEMS. I WAS INSTRUCTED ON WHAT TO DO. I WAS ASKED TO CONTACT MY LOCAL POLICE DEPARTMENT AND FILE A POLICE REPORT AND ALSO CONTACT THE FTC AND VARIOUS LENDERS. I DID ALL OF THESE AND MORE. I SUBMITTED ALL THE DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS ( XXXX, EQUIFAX, XXXX  ). AFTER 30 DAYS OF INVESTIGATION, XXXX  AND XXXX  REMOVED ALL THE FRAUDULENT ACCOUNTS AND INQUIRIES. ON THE OTHER HAND, EQUIFAX HAS DENIED TO REMOVE AND BLOCK ALL THE FRAUDULENT INFORMATION. 

IT COMPLETELY BAFLES ME HOW EASY IT IS FOR A CREDIT REPORTING AGENCY TO SLAP FRAUDULENT INFORMATION IN YOUR CREDIT REPORT BUT SHOW RESISTANCE TO DELETE IT. I AM A LAW ABIDING CITIZEN AND I CONTRIBUTE POSITIVELY TO SOCIETY. UNFORTUNATELY, I AM UNABLE TO HAVE TOTAL CONTROL OF MY PERSONAL INFORMATION BECAUSE OF IDENTITY THIEVES. THE CREDIT BUREAUS ARE SUPPOSED TO PROTECT ME AND MY INFORMATION. THIS HAS NOT BEEN THE CASE WITH EQUIFAX. I WILL LIKE THE CONSUMER FINANCE PROTECTION BUREAN TO STEP IN AND HAVE THIS ISSUE RESOLVED. THIS IS COMPLETELY UNFAIR AND TOTALY BIASED. ALL 3 CREDIT BUREAUS CONDUCT THE SAME INVESTIGATIONS INTO IDENTITY THEFT. BUT I DON'T UNDERSTAND HOW 1 CREDIT BUREAU IS ABLE TO HAVE A COMPLETELY DIFFERENT OUTCOME FROM THE OTHERS. MY CREDIT REPORT IS SUPPOSED TO BE FAIR AND ACCURATE. UNFORTUNATELY, EQUIFAX HAS NOT MADE THE EFFORT TO MAKE SURE MY CREDIT REPORT IS ACCURATE. PLEASE HAVE THIS FIXED AS IT IS IMPACTING MY LIVELIHOOD. 

I HAVE ATTACHED A COPY OF MY OTHER REPORTS WITH THIS COMPLAINT SO EQUIFAX CAN HAVE A REFERENCE TO ENSURE ACCURACY I HAVE ALSO ATTACHED A COPY OF THE ORIGINAL POLICE REPORT, FTC IDENTITY THEFT REPORT, FTC IDENTITY THEFT AFFIDAVIT, PROOF OF IDENTITY AND PROOF OF RESIDENCE
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to XXXX10 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$880.00}, XXXX XXXX M XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Complaint sub-issue: Information belongs to someone else

I noticed a few accounts on my report I dont recognize
Complaint sub-issue: Their investigation did not fix an error on your report

i noticed on my credit report XXXX XXXXXXXX XXXX account number XXXX was incomplete and inaccurate. i disputhed this account and it remains on my report. i now have proof that the fair and thorough independent investigation was never carried out by all parties involved that being Equifax XXXX and XXXX. first off Equifax doesnt even have an account number listed for this account which is incomplete and the contact info is different on each report. and the open date is incomplete.The date of first delinquency is also wrong Equifax has it listed as XX/XX/2016 when it clearly shows that date to be paid on time. How was this information passed up/ looked over? proof that they did not investigate. i am requesting proof of investigation and this account must be deleted for being in violation of the FCRA. Proof is attached in Documents.
Complaint sub-issue: Problem getting my free annual report

I attempted to order my free credit report from Equifax both via the website XXXX and also via telephone. Suspiciously both times I was rejected due, according to them, the inability to verify my identity. When I tried to obtain the report using the paid service on their website I had no trouble obtaining the report. This seems suspicious that I could obtain it one way but not the other. I was also charged for my Equifax report for {$1.00} and also for my 3-bureau report for {$39.00}. I only received the 3 bureau report, which means I was charged an extra dollar for a report already included in the upgraded version.
Complaint sub-issue: Information belongs to someone else

A vehicle was purchased through XXXX XXXX XXXX by another person with the same name as mine, it is not my account so I disputed with credit bureau. The account was removed after 3 months of back and forth. Now it is again showing up on my report, along with the other man address. Also some of his collections that had been removed are showing up again. I have been dealing with this issue for almost a year now. What rights do I have if XXXX  insists this is my account, which I know it is not because they removed it previously?
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX {$180.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$530.00}
Complaint sub-issue: Investigation took more than 30 days

I received a notice from Lexis Nexis that the company was unable to process my request. You were unable to find my data in your file. I submitted a dispute to Lexis Nexis and provide proof of identity. 

The Consumer Number is : XXXX Case # XXXX I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and as federally protected consumer under the Fair Credit Reporting Act ( FCRA ). 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

If this is the case, you are violating my privacy by disclosing my data including my a name that matches mine to 3rd party companies. 3rd party companies such as XXXX, XXXX, and XXXX. 

Attached : 1. My driver License 2. The original letters sent to your company 3. Proof of delivery
Complaint sub-issue: Their investigation did not fix an error on your report

From the months of XX/XX/XXXX through XX/XX/XXXX, I have disputed this unknown medical bill on my credit with Equifax, that it is " Not mine, please delete from file. '' I have even called in and spoke to at least 3 different representatives in the last 6 months about removing this erroneous/fraudulent account from my file. Equifax has ignored ALL attempts to get this resolved and has made it hard for me to apply for credit.
Complaint sub-issue: Information belongs to someone else

Certified mail/return receipt has been sent as of XX/XX/2021 to Equifax. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, Equifax is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). Equifax has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, EQUIFAX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to EQUIFAX, this is not a third party and I have sent EQUIFAX all documents required by law.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  # XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE