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

In XX/XX/2022 I pulled a copy of my free Consumer Reports. After review of my most recent reports I discovered accounts that were not authorized by me. These accounts are result of Identity theft. I filed a report with the FTC it will be attached with this complaint. Fraudulent accounts include, XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$500.00} ), XXXX  XXXX ( {$3000.00} ), XXXX XXXX XXXX ( {$1400.00} ), and XXXX ( {$10000.00} ). I am currently working with my local authorities to get help on pin pointing the person/s who are responsible for opening these fraudulent accounts. Please block and delete these accounts from consumer reports. They do not show an accurate account of my creditworthiness.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In  XXXX  of 2016, there were  XXXX  credit inquiries to my credit report that I did not authorize.
 XXXX / XXXX /2016  XXXX   XXXX    XXXX / XXXX /2016- XXXX   XXXX / XXXX /2016-  XXXX   XXXX    XXXX / XXXX /2016- XXXX
Complaint sub-issue: Personal information incorrect

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Old information reappears or never goes away

I reported this issue with Equifax before that they keep reporting wrong last name in my credit report as XXXX XXXX instead of only XXXX XXXX. I submitted documents which shows only XXXX as my last name not XXXX and I wanted that wrong spelling last name of XXXX XXXX to be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Late Date XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Fair Debt Collection Practices Act ( FDCPA ) Violations The Justice Department today announced that XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) has agreed to pay over {$2.00} million to resolve allegations that it violated the Servicemembers Civil Relief Act ( SCRA ) by failing to refund a type of up-front lease payment to 492 servicemembers who lawfully terminated their motor vehicle leases early. 

A XXXX XXXX XXXX  access code was used to steal the personal information of roughly 5,000 consumers, leading the bank to conduct a full-scale inquiry into the data breach
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2019 I was notified by my XXXX XXXX XXXX XXXX, that EQUIFAX was reporting my Credit Score 100 points less ( XXXX ) than the Other Credit Reporting Services XXXX  ( XXXX ) " I have NO Derogatory ... I contacted EQUIFAX via Chat, Individual just kept repeating her self not addressing the issue. Then after a half hour wait spoke with XXXX ( XXXX ) ( Supervisor ) who repeatedly stated that the score from Equifax 's Website was NOT their score ( even though their site provided and my Credit Union had roughly the same score ). This 100 point difference without a valid explanation, cost my family thousands of dollars in Interest being paid on debt. This is unacceptable, AND needs to be addressed.
Complaint sub-issue: Account information incorrect

I have inquiries on my credit report that I did not apply for or authorize. 

The only inquiry that is valid is XXXX XXXX for my car lease. 

Please remove all other hard inquiries.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.
Complaint sub-issue: Their investigation did not fix an error on your report

A record of bankruptcy appears on my credit report. I have never filed for bankruptcy and have a credit score of over 800. However, my father has the same name as me, and filed for and completed bankruptcy in 2018. I contacted Equifax who completed the investigation within the required 30 days. They have determined that the bankruptcy is mine and not my fathers and refused to remove it. They told me to contact the bankruptcy court and write a letter to them providing copies of my father and mine license, social security cards, and the letter of official bankruptcy discharge which shows my fathers last 4 digits of his social. They also told me to call the court to see if they can email them. I will be completing all of that today as well as contacting my attorney as I feel this is unacceptable because all thats needed is to check the bankruptcy against our respective social security numbers.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Depth of Ed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15U.S.C 1681 Section 602 A. States I have the right to privacy 15U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than seven years 15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Complaint sub-issue: Account status incorrect

I have a line of credit in the amount of {$1000.00} with XXXX XXXX. I am a long standing customer as well as my husband as his business account are with XXXX ( was known as XXXX XXXX XXXX as well as my accounts as well. A couple of months ago the amount of {$140.00} was used from the line of credit on one of the accounts. I don't know if it was an over draw or what. The bank sent us a bill and I gave it to my husband and he forgot to pay it. It was an oversight. When the bank sent a second notice, he went in and paid it and the account was paid in full and up to date. In the meantime, XXXX reported this to Equifax with a statement that my account was suspended and closed. I was so upset. I went into the bank and they were not helpful. Even though it was an oversight and I never had a late payment, they said that I would have to take that up with Equifax which I know can't do anything about it without XXXX getting involved. My account is open and active and XXXX would not even send an update to Equifax and XXXX to tell them that the account is open and active So now on my credit report this untrue statement will remain for 7 years. I have worked extremely hard to keep my credit rating in good standing and now this is on there and it isn't even true as of XX/XX/2019. I never have had a late payment on anything. I am surprised that they did this and more unhappy that they will do nothing to update this so it doesn't show a closed account on my credit report. 
I filed a Complaint with Equifax but without XXXX cooperating, nothing will happen Hopefull your agency will be able to help me so that I will not have to have this blemish for 7 years on my credit report.. 
This is not how to treat a long standing customer. 
Thank you for your time. 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, XXXX placed a judgement against me for {$10000.00}. I was not aware of this until they added this to a collection account in my credit. In XX/XX/XXXX I went to court to file a motion to vacate/set aside default judgement. The file was granted on XX/XX/XXXX which means the judgement that was entered in my credit is no longer valid since this motion was granted.
Complaint sub-issue: Received bad information about your loan

In XXXX, I completed a consolidation for my student loans. In XXXX, the Public Service Liam Forgiveness program began. A borrower who worked in a qualifying public service job was required to have consolidated loans and make 120 payments on a qualified repayment program. I had all that! As I neared the end of what I thought were my 120 payments, I contacted my lender to inquire about how to proceed. At that time, I find out my consolidated loans arent in the right program. I had consolidated my loans as FFEL, and that didnt count. I spent 7 years paying that didnt count. I had to go through another consultation in a Direct loan program and start 120 payments all over again. 
As I do more research, I see that there are many, many people in my same situation.
Complaint sub-issue: Information belongs to someone else

The fraudulent XXXX XXXX loan accounts is still listed and showing on my Equifax credit report. The accounts is not my accounts.
Complaint sub-issue: Was not notified of investigation status or results

I have been following up with Equifax regarding some incorrect information they are reporting about me. I first submitted a dispute on XX/XX/XXXX, but never heard from them. I sent a follow-up about the issue on XX/XX/XXXX. It is now XX/XX/XXXX and still I have not received any notice of an investigation into the information they insist on reporting falsely.
Complaint sub-issue: Public record information inaccurate

The public information record of XXXX XXXX XXXX thats listed on my XXXX, Equifax and XXXX XXXX credit report is incorrect. The public information record is inaccurate.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$5900.00}, {$550.00}, {$1700.00}, {$7700.00}, {$6800.00}, {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$6800.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Complaint sub-issue: Account status

I completed the Student Loan Rehabilitation Program on XXXX XXXX XXXX after XXXX consecutive on time payments. I was in default on my student loans and dreaded the calls from the collection agency. I decided to address the defaulted loans in XXXX XXXX. I was told by the collection agency and the guarantor that all negative entries related to the default and late payments would be removed. I am aware that in certain circumstances if you were delinquent prior to entering into said agreement those negative items could remain. That was not the case with my XXXX tradelines that are in dispute. I repeatedly asked both parties to be sure I understood. I made my monthly payments to XXXX XXXX on behalf of XXXX. XXXX had received my loans from XXXX Bank. XXXX STATED that the XXXX Bank tradelines would be updated to reflect no late payments or they would be removed completely because of the Statute of Limitations ( XX/XX/XXXX ). All XXXX of the ( XXXX ) tradelines would be removed as well. XXXX was removed. XXXX will not update the information and as a result Equifax, XXXX and XXXX are stating that " XXXX '' says the information is accurate. The information is not accurate because XXXX is also stating to the XXXX Bureaus I had a late payment in XXXX XXXX. I have not had any relationship with XXXX since XX/XX/XXXX. They refuse to update even after I called XXXX directly as instructed by Equifax and XXXX. The credit bureau representative stated that there is a XXXX balance on my report for all XXXX XXXX entries and the lates will be removed according to their records in XX/XX/XXXX so " you do n't have to wait much longer '' and it is not affecting your score. It is affecting my score because it shows XXXX late payments for all XXXX loans. I do not want to wait 2 months to get information off of my report that should n't be there, I most certainly do n't want to wait two more years. The fact still remains that I have met my on time payment obligation. I paid as agreed and now the credit bureaus should follow the rules and comply as well. It is very difficult dealing with XXXX as a regular everyday working American. I understand that the credit bureaus do n't want to deal with it either, but it is their job to get proof and resolution. They have not done either. XXXX Bank should be deleted from my file. They refuse to provide proper documentation to support what they 're reporting is accurate and this is wrong.
Complaint sub-issue: Account information incorrect

THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE LATE PAYMENTS : 1 ) XXXX XXXX 2/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX ( CLOSED WITHOUT KNOWLEDGE )
Complaint sub-issue: Account status incorrect

Greetings CFPB : This message is about a closed Citibank revolving credit line still being reported as open. Thank you for receiving my complaint. 

I opened a revolving credit line with Citibank ( IL ) in XXXX, called " Ready Credit '' ( now called " Checking Plus '' ), and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by Citibank reporting to credit bureaus ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I have tried to remove it but they say it is closed and not to worry. They do not seem to know how to remove this old account. The XXXX  available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with Citibank directly, and also disputed it with the credit bureaus, to no avail. Citibank reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request
Complaint sub-issue: Account terms

I contacted XXXX XXXX XXXX regarding a collection amount that showed up on my credit report showing I owe {$130.00} I spoke to XXXX in customer service on XXXX/XXXX/XXXX @ XXXX and she could not help me she transferred me over to XXXX XXXX XXXX collection department. I spoke to XXXX on XXXX/XXXX/XXXX @ XXXX and made me aware it was for service from XXXX XXXX. My issue with this is that the name on the account was originally on my sister 's name then it was transferred to me. I decided I no longer needed a landline so I cancelled the account but never received any bill regarding these charges until now. I am trying to purchase a home and it is affecting my credit score because this account was sent to a collection agency called AFNI , Inc . They could not prove to me that any letters were sent by XXXX XXXX XXXX and never received any letter from the collection agency AFNI, Inc. as well. If I do owe this amount of {$130.00} I do not have a problem paying it, but in all fairness this should be removed from all XXXX credit bureau companies. So I can move forward in purchasing a home for my family.
Complaint sub-issue: Public record information inaccurate

Both Equifax and XXXX  are reporting a bankruptcy on my credit report. I have contacted them numerous times requesting that they remove this derogatory information on my credit to no avail. 

This is correct that was not pulled correct and neither bureaus want to correct their mistake and have it resolved. This happened over 10 years in Illinois and does not need to be on my report. But because of the laziness of these bureaus, they do not want to do their work. The date in question was in XX/XX/2008, yet they are still not removing the derogatory from my record.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I received an alert from XXXX XXXX  through my account XXXX  appt. 

Alerting me that ; XXXX XXXX XXXX  Alert Msg : I have a new credit inquiry on my credit report Made by : XXXX  For credit card ( or ) loan credit inquiry affected my FICO credit. 

I have not applied for any credit cards nor any loans of any kind and extremely concerning That such an agency- company as " Credco '' make an inquiry on my credit with out my knowledge, or written permission. 
I am not XXXX  nor have I contacted Credco OR request that any company do on my behalf. 

I want Credco to restore my credit ( FICO ) report. 

Please look into this complaint and immediately address accordingly and restore my credit report due to illegal fraudulent activity. 

XXXX XXXX  is activity looking into this matter as well since they thevones who notified me.
Complaint sub-issue: Information belongs to someone else

I have fraudulent addresses that keep reporting on my consumer report please delete these addresses from my profile.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX, XXXXXXXX XXXX XXXX  XXXX CT XXXX, NC XXXX, XXXX XXXX CT XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX CT XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Balance : {$1000.00}.
Complaint sub-issue: Deposits and withdrawals

I recently opened an account with Citibank in XX/XX/2018 and decided to transfer my funds via XXXX. I was trying to buy lunch and noticed my debit card that I activated with them is not working. I called customer service and they transferred me to a supervisor named XXXX that said he can't help me for security reasons. He said a letter was sent out stating that I need to provide documents proving my identity. 
I told him that all I need to do is transfer my money out of my citi account back to my old XXXX  XXXX XXXX account and he won't let me. 
This was also over {$1000.00} worth of money and I do not get paid for a while. I have no money for food or to pay a tuition bill that is due on Friday. There are no warnings on my log in on citibank 's website or the app about a block nor was it included with my debit card and welcome letter so this is XXXX. I brought my issues up to the XXXX  account customer helpline and they told me that XXXX closed my account and I will get a check in the mail. I was desperate to get access to my money and was willing to fax documents as they suggested and they backtracked and said there was nothing they can do except drive 2 hrs to a branch, but I can't because I don't have money for gas because they're holding my money hostage. I have all of this money sitting in my account and I can't wire it, I can't use XXXX nor can I use my debit card. This is criminal, unethical and pathetic and I want my money back ASAP.