Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XXXX XXXX to XXXX XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the XXXX Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put Equifax, XXXX, and XXXX on notice and they have not complied within 30 days time frame.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of XXXX. As soon as the pandemic started in late 2019, I was XXXX  and was unable to work. I have a total of 2 missed payments from XXXX and XXXX of 2019. I have sent multiple goodwill letters asking for forgiveness as I am a victim who suffered from this pandemic. The company nor the credit bureaus have taken any action. I have made consistent on-time payments before and after the late payments occurred. I would like them to be removed because I am a victim of Covid-19.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX/XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED/XXXX XXXXXXXX {$180000.00} USDOE/XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$990.00} XXXX XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My Name is XXXX XXXX XXXX XXXX I been resiving, Notification of my credit report About i quieries i dont recognized those inquieres, i dont apply for those account, or business, i contact both parties, they dont help Im trying to fix my credit and with this issued is goin to be a disaster, if this keep goin on, I only have XXXX credit card, no loans or nothing else i dont need no more credit, I have XXXX XXXX, XXXX, XXXX.. 
No need more.. please Help me.. 
I think im victim of identity theft.
Complaint sub-issue: Investigation took more than 30 days

This company did not complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XXXX 

XXXX {$7200.00} ( XXXX XXXX, and Equifax )
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, I purchased a ticket on XXXX XXXX  XXXX on XX/XX/2020, which was 7 months ago. The Airline CANCELLED the flight. I have tried to reach the airline since XX/XX/2020, for almost 3 months without any answer from them. Since they cancelled the flight, their own policy states that they will offer a full refund as well as it is the LAW per the department of transportation in the United States of America. They are refusing to answer any of my requests for months for a refund and wrote back to Citibank, my credit card company recently that they won`t issue a refund, only a credit. Citibank is also refusing to give me my refund and said that they are siding with the merchant. For one this is illegal, because by law they have to issue me a refund not just a credit, and for 2, they never even communicated with me about the credit. I explained this to the credit card company, Citibank, and the investigation was closed in the merchants favor. I have re disputed this, as this is not fair, as it is illegal to issue a credit ( which I never received/been notified anyway ), when I want a full refund. Please let me know my options and If I need to notify counsel? On top of this, they mistakenly sent me another customer of the bank`s personal information/ other dispute information by accident which had all of their social security information, which is extremely frightening. I am hoping you can assist me with forcing Citibank to refund me my money that has been outstanding since XX/XX/2020, over 7 months ago, as well as fining them for sending me other customers information. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

[Letter # 4] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I requested to the three major credit bureaus ( Equifax, XXXX  and XXXX   ) to block unauthorized charges from credit report under FCRA 605B. I sent letters to the three agencies with a copy of my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. XXXX   and XXXX successfully blocked all unauthorized charges from my credit report as directed by section 605B of the Fair Credit Reporting Act. Both of the agencies placed an extended fraud alert on my credit file. But Equifax was unable to locate my credit file. Then they asked for two documents : one to verity identification and the other one to verify my current address. I sent to them a copy of my social security card to verify my identity and a copy of my drivers license to verify my address. Again, they were unable to locate my credit file with the documents that I provided. They kept sending letters asking for the same two documents. I sent to them in four different times the documents they requested : a copy of my social security card and a copy of my drivers license. Also, I sent to Equifax a copy of a police report and the ignored me. Im frustrated because I did not had any type of problems to clean my credit report with XXXX  and XXXX. I want to clean my credit file and place an extended fraud alert just like XXXX and XXXX   did. Here I attach a copy of the police report, copy of the Federal Trade Commission Identity Theft Report and copy of the four letters that Equifax sent to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft and my personal information has been used to open several accounts and more attempts made to get credit. I have included the police report & identity theft report. Please permanently delete these things from my credit report.
Complaint sub-issue: Debt is not yours

On or around XX/XX/2016 I was involved in an accident was XXXX. Once I was able I immediately contacted XXXX XXXX XXXX in an effort to return their equipment. I was advised that I was " too late '' as 15 days has now passed. 

I explained the situation and still want to return the equipment, but they refuse to speak further with me and instead are poisoning my credit report. 

I do no owe XXXX XXXX XXXX and now they have turned me over to a debt collection company called XXXX XXXX XXXX that is poisoning my credit report and causing me damage in obtaining favorable credit terms and emotional distress. 

I have obtained XXXX XXXX XXXX XXXX on an unrelated matter, but they have advised me they will step in if my efforts to get this taken care of in a voluntary manner fail. 

Along with this complaint I am filing a Complaint with my State 's Attorney General and have been told I have a cause of action under the Arkansas Deceptive Trade Practices Act. 

However the most disturbing is that I want to invoke the arbitration clause in XXXX XXXX XXXX XXXX contract and they refuse to send me a copy of my contract. I have been assured by XXXX XXXX they can compel the production and then I will immediately arbitrate against XXXX XXXX XXXX and their collection agency. 

Please help me get this resolved. 

Thank You!
Complaint sub-issue: Their investigation did not fix an error on your report

HAVING ALREADY STATED THAT THESE ACCOUNTS ARE NOT MY ACCOUNTS AND PUTTING A BAD LOOK ON MY CREDIT PROFILE AS A WHOLE
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX on accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but I have gone and paid everything and it should no longer be on my credit.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Trouble with how payments are being handled

My Direct loans transferred to FedLoan servicing on XX/XX/2021. After multiple attempts to inquire how 109 past payments made to XXXX XXXX XXXX ( XXXX ) and XXXX are being reported for PSLF/TEPSLF.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 



XXXX, IL XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX ; 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from XXXX on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful XXXX credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2017 and XX/XX/2017 credit inquiries were made without my consent. Customer service wouldnt help to remove these inquiries reporting to my credit report.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/XXXX I applied for a Best Buy card that's financed through CitiBank. I was told to call XXXX. I called that number and spoke to a woman that placed me on hold to process the application. After about 10 minutes I received a call from XXXX and it was a person asking did I just apply for a Best Buy card. Told her yes and that I had a rep on the other line from the Best Buy card services. She explained that was her that placed me son hold and that her calling me was apart of the verification process. So she stated that she had to do some more verifying. She stated that my cellphone didn't meet the requirements to send a one time text. ( Crazy thing is my cellphone that she called me on was the number that's on all 3 of my credit bureaus ). So she stated do you have any other Citibank accounts that's opened. I said " No '', I applied for a Home Depot card but they need more information to verify me that a woman called me and stated that I'll get a letter in the mail that I need to fax that letter and a copy of a utility bill in. She stated okay at this time we can't approve you and you'll get a letter in the mail in 7-10 business days. 

Called today and got the automated system that stated that my application was declined due to can't verify my identity. Please see the attachment. My ID and SS, current bill and credit report from XXXX. Please keep in mind she already called me on the phone number that's listed on my credit reports. 

Please notice that my XXXX credit report don't have any CitiBank accounts. CitiBank is bias and they won't give me a card. Keep in mind this same scenario occurred for the Home Depot Card I spoke to someone last week and I never received the letter in the mail for verification purposes, but they ran my credit. How convenient, they don't extend credit but make money off the amount of credit applications that they get in.
Complaint sub-issue: Information belongs to someone else

I have over 10 inquiries on my credit report Im a victim of identity theft I also have police report confirming this information
Complaint sub-issue: Account information incorrect

Include dates, amounts, and actions that were taken by you or the company I have called Equifax and remove inaccurate information on my credit report. Since XX/XX/20 I have been fighting tooth and nail to resolve credit inaccuracies. I have been filing disputes for late payments, and fraudulent inquiries Equifax refuses to remove. I have called them day in and day out for weeks working on resolution and I have sent multiple disputes waiting 30 days between disputes! I have spent over {$50000.00} in credit repair and I have lost out on over {$750000.00} worth of damages in lost investments.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

t was happened at XXXX. XXXX XXXX ( office ) on XX/XX/2018, the first time, I used the XXXX signature visa card to pay the amount of {$5500.00} and it was declined, then, the merchant asked me to use other credit card, I said, I may be change mind, I held the citi visa card, he took it then charged it. I got home and checked my acct, the amount was on there and was pending status. I called to the citi billing disputes dept on XXXX, I got a case confirmation # XXXX. Later, I faxed all documentation to the citi when they requested. I called back to the citi on XXXX, they told me, the case is still continue to processing now, and will remove that amount from my acct. Now, I received the new message from the citi on XXXX, the amount of {$5500.00} back to my acct. I am requesting to resolve this issue.
Complaint sub-issue: Account information incorrect

Enhanced Recovery is attempting to collected on a pass due bill for original Creditor XXXX. The account balance on the collection notice is incorrect. I would like to have XXXX validate this debt they say I owe.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original 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 XXXXXXXX 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
Complaint sub-issue: Trouble with how payments are being handled

I took out a XXXX XXXX loan for my daughter that was supposed to be deferred until she graduates next year. I currently already have other student loans being paid to Fed Loan Servicing and those are automatic payments. Soon after I took the loans out I became ill and had to have a relative take over my finances. Seeing that I was already paying Fed Loan Servicing it was assumed it was being paid and never questioned until I received a collections notice for the loan and it shows on my credit report as defaulted. 
The loan was supposed to have been in deferment so it is unknown how it defaulted. 
I tried contacting Fed Loan Servicing and they claim they have no information except that the loan was once there but they transferred it to " XXXX '' and they gave me the phone number of XXXX and I was told I needed to call Fed Loan Servicing back at XXXX as I would have to get the information from them, they also advised me to speak to a manager. I spoke to a manager was told there is absolutely nothing they can do for me and can give me no information. 
Furthermore as I had mentioned above, I have other accounts with Fed Loan Serviceing that is an automatic payment for the minimum amount that they take out every month. I don't understand why it wasn't added as the others are all lumped together. 
More questions they are unwilling to answer.
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. CHAPTE XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$440.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I had T-Mobile service for XXXX month prior to canceling my account. I paid my bill in full. Somehow, XXXX opened a second account in my name, when I realized they were double charging me I asked them to fix it and they said they closed the second account. Now, they are claiming I owe money on that account. I initially called and they said that my bill was paid and when I asked them to check the account number on the bill I was told that the account was canceled and they were unable to see it. I them sent them a letter certified mail ( XX/XX/2019 ) asking for a detailed bill showing where I owed XXXX, which they failed to provide. I received a letter from a collection agency on XX/XX/2019 for {$91.00}. I then contacted the FTC ( XXXX ) to report the issue. I disputed the validity of the collection under XXXX XXXX XXXX with both XXXX and Equifax. XXXX allowed me to upload documentation showing the debt was invalid and already disputed, but Equifax did not. Equifax said that the debt was valid which is not true and and I should not be held responsible for a mistake on the part of XXXX.
Complaint sub-issue: Reporting company used your report improperly

I was informed by my bank, XXXX XXXX XXXX XXXX ( XXXX ), that Equifax is guilty of suppressing the due monthly reporting of my XXXX XXXX Credit Card the suppression of which was never authorized by the bank and certainly not by me. 

Subject : Account Balance hasn't been updated XXXX XXXX XXXX XX/XX/2021 : Thank you for your eMessage. XXXX XXXX sends your credit file to all of the major credit reporting agencies each month at the end of your billing cycle. Your account last reported XX/XX/2021. The card will report for XXXX after the billing cycle. The exact reporting date is unavailable. The account ending in XXXX is being suppressed by Equifax. You will need to contact Equifax regarding why they are suppressing your account. This is not something XXXX XXXX can correct since we never requested suppression. If you have further questions, please call our 24 hour, toll-free member service line at XXXX. 

Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX, XXXX XXXX, www.equifax.com Your Message XX/XX/2021 : Why has't my XXXX XXXX credit card balance been updated with XXXX, Equifax or XXXX  for the current cycle? In fact this card isn't even reporting on Equifax. Please help.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX  I disputed an account on my credit report. I aso requested a verification with my signature from the reportig company. After 30 days the account was not marked as disputed, and tey had not provided me with sufficient verification of the account. A statement is not proof, as has been shown several times. On XX/XX/XXXX  I notify them that the verification of the account is not sufficient. On XX/XX/XXXX I notify them of the failure to mark my account as disputed and the breach of FCRA. The company still has n't marked the account as disputed, instead they closed it and reported derogatory statuses on my report. This is completely unacceptable to treat consumers in this way