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

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX XXXX and XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. Please block these unknown items from my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$340.00} ; US DEPT ED XXXX Balance Owed XXXX {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$430.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Complaint sub-issue: Information belongs to someone else

Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, XXXX, and Equifax in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX  ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

This was not sent an error ; I am a consumer by law and my information was misused and now I have some false information that is not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. I have sent dispute letters to the credit bureaus. However, they failed to follow proper cause.
Complaint sub-issue: Their investigation did not fix an error on your report

I tried to remove unverified and unauthorized accounts on my credit report and the credit bureaus continue to report the information
Complaint sub-issue: Information belongs to someone else

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX CHARGE OFF XP Late Dates : XXXX, XXXX XXXX  XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} REV {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX/XXXX/EF The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, FCRA must block the fraudulent information and the victim must be identified within four business days  after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Account status

XXXX issues : 1. I newly arrived the USA on an XXXX in XXXX, 2012, but could not obtain a Social security number until XXXX, 2012. I rented an apartment with XXXX, paid with my XXXX-based credit cards ( because I could not open a USA account. On XXXX XXXX, XXXX refused to accept payment by credit anymore and required that I pay through a bank account ; which I could not. 

Aside from this difficulty, the apartment was bug-infested. I made XXXX complaints in XXXX that I could not for medical reasons continue to stay in the apartment. After XXXX unsuccessful attempts to debug the apartment, I was offered another equally bug infested one. I moved out of my bugs-infested rented apartment. Residence management failed to attend legal arbitration when I reported bug infestation to the Maryland Attorney General. I signed out properly from the residence, assured that my rental agreement was mutually resolved. Yet, debt collectors have been on me since 2012, seeking to collect grossly overinflated claimed-default. Claims of a default have been listed on my credit report. 

2. I applied for a credit card with XXXX ( 5 ) times. On each occasion XXXX incorrectly reported that my credit score was XXXX ( XXXX ) ; even after I showed evidence to the contrary. I have had to close my account with XXXX because I never got any explanation for the erroneous credit score. XXXX credit enquiries within 1 year has affected my credit report, forcing me to secure credit at high rates. That is just wrong.
Complaint sub-issue: Information belongs to someone else

There are inquires on my credit reports made in XXXX and XXXX that do not belong to me. They were placed their fraudulently. I filed a police report number XXXX and provided it to Equifax, XXXX and XXXX to have the fraudulently information removed as well as old Addresses and Name Variations who could have contributed to this issue along with documentation from the creditors proving their investigation deemed they were fraudulent and needed to be removes. The credit bureaus refuse to remove them and my disputes come back in a few days and inquiries are factual. This is not possible if they actually completed a full investigation and looked at the documentation. This is affecting my credit worthiness and my ability to obtain a place to live for my family.
Complaint sub-issue: Fraudulent loan

XXXX XXXX XXXX has took out a loan in my name without my permission. I request an audit trail in accordance with XXXX. I am the consumer in fact, I am the original creditor, everything I do is for family, household and personal purposes.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX, Account # XXXX was deleted from their records and send a AUD correction to Equifax to remove the account effective XX/XX/2022. Equifax SC # : XXXX. AUD Control # XXXX They are refusing to remove an invalidated and deleted collection account from my credit report. 

The company, '' XXXX XXXX XXXX '' no longer has authority to collect on this account.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report. To this day almost 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. They have yet to send any proof of these items to me. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or i will fill for litigation due to the stress you caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have successfully submitted disputes with XXXX  and XXXX XXXX about an unauthorized entity on my report. Equifax 's site does not function properly. When I enter my credentials and click " Continue '' nothing happens. They offer a chat service, but I tried to use it during their business hours only to be disconnected because there were no agents available. I looked for a phone number, but I was unable to find one.

This is the incompetent and unethical company who lost millions of people 's data and hid the fact for months last year. Now it looks like they have made it impossible to reach them.
Complaint sub-issue: No notice of investigation status/result

I submitted a dispute to Equifax for inquiries on my report. The response that I received was that I could contact the creditor if i believed it was in error or not authorized. Requesting them to assist me which would make it much easier than directly contacting these companies when you call these companies a lot of times the employees do not know and will refer you to the credit bureau.
Complaint sub-issue: Information belongs to someone else

Hi, I am writing to request the following information to be deleted from my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not consent to these accounts. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete these items as soon as possible.Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under XXXX5 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

DISPUTED ACCOUNTS : XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Citibank Na., Best B Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Regards,
Complaint sub-issue: Their investigation did not fix an error on your report

Not showing how they verified any standing deputes. Never receive a letter on whom they spoke with or how they conducted there investigation. Only stating it was verified but not how. Never received credit report with credit scores. And this from Equifax and XXXX. For a bankruptcy. That should have been removed. It has been removed from my XXXX  credit reporting. Because they have not done there job properly nor fairly I would like all items that I disputed be removed. Thank you.
Complaint sub-issue: Need information about your loan balance or loan terms

After speaking with multiple representatives from Key Bank and XXXX, I am still unsure as to the why I am no longer eligible for forbearance. I am told by the representatives that I have already exhausted my time in forbearance ; however they will not or can not explain the policy or law-basis for the time limit. Simply put, I would like to understand what the forbearance time limits are and what, if any, similar options are available. 
I finished my degree on XXXX XXXX, XXXX. As such, I do not have the financial resources to pay the required amount owed. So, in an effort to determine and understand my forbearance options, I contacted both XXXX and Key Bank multiple times. My most recent attempt was a call on XXXX XXXX, XXXX which resulted in an attempted transfer to a manager by the representative, which resulted in 30-plus minute hold and then a call disconnect. 
Because, after multiple requests, I have not received an explanation as to the basis for the exhausted time allotted for forbearance.
Complaint sub-issue: Information belongs to someone else

I have disputed information on my credit report as a result of identity theft. I submitted my FTC ID theft report and formal request with proof of identity to Equifax requesting they block/delete the harmful and damaging fraudulent accounts as pursuant to section 605b of the FCRA. The information continues to report which is a violation punishable of {$1000.00} per instance. I submit this complaint as a victim of Fraud Enablement after providing all necessary information to remedy this unfortunate situation.
Complaint sub-issue: Problem making or receiving payments

PNC Bank is preventing a 3rd party account making authorized withdrawals from my checking account. I have an investment account with XXXX  Investments that has been acknowledged and accepted by PNC Bank.
Complaint sub-issue: Their investigation did not fix an error on your report

My Equifax complaint was closed because I was mistaken for a repair company which is not true
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # 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 an account without my written instructions
Complaint sub-issue: Account status incorrect

Some one is going to school with my information they stole many from my account and stile driver license and social security income
Complaint sub-issue: Debt was paid

My real complaint is regarding communication but no correct option to check as there was NO communication at all from either XXXX XXXX or Americollect. The only way I found out about the debt collection was an email from my credit monitor once I was already in collection. I participate in a XXXX XXXX program that posts statements online and allows XXXX to communicate directly with me without mail or phone but XXXX provided no communication. Although XXXX received XXXX payments since XXXX, 2016, XXXX was the last statement posted online so I could not see payments applied and XXXX accepted payments after they put me in collections. There is no debt and payment to Americollect would constitute duplicate payment. I have repeatedly requested a document from XXXX showing all payments, at what point I went into collections, and why I was put in collections. Still waiting ; not provided and they could have posted this immediately online if they had been willing to.
Complaint sub-issue: Problem getting my free annual report

XX/XX/2016 Equifax apparently has some incorrect information about my identity in their files. They refuse to supply me with my free credit report, so I can not even begin to look for problems myself. They have failed to make a good faith effort to correct their error. 
I first encountered the problem when trying to create a My Social Security acct. online. I was blocked when the system could not identify me. Social Security told me that XXXX of the credit reporting companies was used to identify me and may contain incorrect information about me, and recommended that I get my credit reports. When I tried to do that, Equifax blocked my request saying that they were not able to " match your records ''. I have spent hours on the phone and online trying to get Equifax to fix whatever the problem is. They first told me to file a dispute online, but when I tried to do so their system blocked me again. On the phone they tried to tell me that the problem was my middle initial. They filed a dispute and I have received a letter XXXX Equifax conf. # XXXX XXXX saying that they have fixed my name by adding my middle initial. Not surprisingly, this did not fix the problem. Back on the phone, they gave me the run around, telling me that my information was correct, did I want to file a dispute again, etc. They refused to transfer me to anyone who could help ( the Customer Representative is a phone bank in the XXXX and they do not have adequate access to my records. It is abundantly evident that their job is to make me go away. 
In the past I have had my identity stolen twice, my address changed online without my knowledge, my credit card used fraudulently, etc., so this is a very urgent problem. Amazingly, this is causing Social Security to block me. I am nearing the age when I will file for XXXX and Social Security benefits, so this is no trivial matter. 
Please help. My request to you is : 1 ) XXXX Equifax to fix this problem 2 ) XXXX Equifax to provide me with a full and complete explanation of the error, the origin of the error, and what they have done to fix it. 
3 ) Force Equifax to completely investigate my credit information and determine what damage to my credit has been done. 
4 ) Force Equifax to contact Social Security XXXX to correct all errors regarding my identity and place an explanation of this event in my Social Security file. 
5 ) Force Equifax to give me the required free credit report. 
6 ) Force Equifax to extend the XXXX alert on my credit files ( I currently have another year or XXXX on a XXXX alert caused by the events noted above. ) Thank you sincerely, XXXX ( aka. XXXX to Equifax XXXX
Complaint sub-issue: Reporting company used your report improperly

To Whom it may concern, please remove all tradelines being reported with any derivatives of the name XXXX XXXX XXXX that name has been copyrighted, I hereby revoke and rescind any prior written or verbal consent to use the name XXXX XXXX XXXX. See attached affidavit of publication. Failure to do so will result in a lawsuit against your Financial InstitutioXXXX.
Complaint sub-issue: Debt is not yours

In the month of XXXX & XX/XX/2021, I sent letter to all three agency XXXX, XXXX and Equifax disputing accounts eastern account system for the amount of {$100.00} and XXXX acct # XXXX, XXXX XXXX {$29000.00}, XXXX XXXX {$230.00}. I stated that these accounts are inaccurate, not my accounts and I did not give permission for these accounts to be reported on my credit report. which this is a violation of the FCRA. XXXX removed all accounts listed above. this is unauthorized uses of credit report. How this information is this verified or accurate if its only one creditor.
Complaint sub-issue: Deposits and withdrawals

PNC bank refuses to link my checking account with the XXXX application for me to be able to invest my money.
Complaint sub-issue: Account information incorrect

This loan has been officially paid off as of XX/XX/XXXX. I was making payments every 2 weeks and it was been paid off. while looking at my report it hasn't shown any update to me making payments on this bill. Also when obtaining this loan I was given loan documents that I signed for payments to start later on in the year of XX/XX/XXXX. then I was sent an email stating those papers that I initialed were wrong but I never signed the updated versions
Complaint sub-issue: Information belongs to someone else

i just got a copy of my credit report and i saw that someone opened a XXXX account in my name. I have never had a XXXX account the address listed is not associated with me. I am attaching my ID that has my address and also social security card
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I brought a plane ticket, but I got sick. So, I called to cancel my plane ticket. XXXX offer me future credit, but I would just like my money refunded.
Complaint sub-issue: Reporting company used your report improperly

I found out about the security breach at Equifax on Friday, XXXX XXXX, XXXX. I checked their site and was informed that my information may be compromised by this breach. On Sunday, XXXX XXXX, XXXX, I placed a XXXX fraud alert through XXXX.
Complaint sub-issue: Right to dispute notice not received

There was an account on my credit report listed with a different collection agency for XXXX XXXX. Because I knew the account was inaccurate, I disputed the account and requested validation of what they were reporting and the prior collection agency deleted the account on my credit report when I did this. Months following this collection agency deleting the account, I suddenly get an alert that a new collection agency is reporting the debt called Enhanced Recovery. I was never sent any sort of notification from this company that they had purchased the debt so I disputed the account again with Enhanced Recovery and they 've yet to respond to my dispute.