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

XXXX and Equifax is showing XXXX XXXX on my Credit report.. I have never had an account with XXXXXXXX XXXX and the credit bearues refuse to remove them
Complaint sub-issue: Public record information inaccurate

XX/XX/2022, re : Equifax unverifiable Bankruptcy reported on my credit report. Bankruptcy Court Case No. XXXX. First of all, there is no company I am referring to the U.S. Bankruptcy Court, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, Florida XXXX. On XX/XX/2022, I sent a letter to Equifax Credit Bureau, XXXX XXXX XXXX XXXX, XXXX XXXX. In the above referenced bankruptcy. As of today XX/XX/2022, no one has responded to me yet. Equifax never removed the bankruptcy nor has my score changed according to my research I am entitled to XXXX points once my score is updated. I have attached a copy of the page in the Equifax credit report they have no intention of correcting my report or my credit score. The FCRA mandates that Equifax correct this unverifiable information within 30 days, or it must be removed. It has been 76 days and there has been no change to my credit report or my score. I am attaching a copy of the letter that I sent to Equifax on XX/XX/2022. This letter was sent certified mail return receipt requested. XXXX XXXX XXXX XXXX XXXX received on XX/XX/2022, signed by XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I'm 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/block any items 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 are the list of items which do not belong to me or were opened without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

It is quite obvious what happened, as I am only 1 of 143 million Americans. Equifax, through seemingly gross incompetence, has allowed my credit and personal information, and millions others, to be breached and taken from their data records illegally. I assume this is n't the appropriate place to mention the over a month time period that elapsed before Equifax announced this breach to the public, only after their shares in the company were sold, so I wo n't.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. I have already contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!
Complaint sub-issue: Overdrafts and overdraft fees

US Bank uses a very deceptive way of determining when overdraft fees will be charged or not. The app and website will indicate that your balance is a positive value because certain charges have n't posted or cleared fully. The bank will allow you to continue using your card, even if you have the overdraft protection feature in place to prevent this from happening. Then, out of the blue your account will have a negative balance. US Bank 's policy is that if your account is negative, you have until XXXX that evening to replenish the account back to a positive value to avoid the overdraft fee. However if the account became negative on a date in the past, and it is n't reflected on your account balance until 4 days later, that does n't actually allow you to replenish your account back to above XXXX, because it will use the date the account was charged, rather than the date the account appeared negative on your account website. This is a very deceptive because you will think your account has a positive balance, then out of the blue one day it will be negative, so when you try to replenish it or make a transfer from another account within the business day, it wo n't count because it actually went negative days before without you knowing. This problematic strategy also comes unfairly into play for checks clearing. Per US Bank policy, you have until XXXX of that night to replenish a negative balance to avoid an overdraft. That means if a check is cashed from your account at XXXX XXXX, you have five minutes to issue a transfer or replenish your account to avoid the overdraft fee. If the check is cashed at XXXX XXXX, you have the entire day to accomplish the same task. How am I to know that US bank does n't even post check until late in the evening to purposefully incur charges that its customers wouldnt see if they were asleep, for instance because the account was brought below XXXX late in the night but right before XXXX. Extremely unfair
Complaint sub-issue: Investigation took more than 30 days

On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$4900.00}.
Complaint sub-issue: Public record

I have a satisfied judgement showing on my report from Equifax. It was included in a bankruptcy filing and has been satisfied. XXXX and XXXX have already removed the judgement from my credit reports but Equifax continues to report it. I respectfully request it be removed from my Equifax report as it has been satisfied due to being included in bankruptcy.
Complaint sub-issue: Frequent or repeated calls

Calls from XXXX, up to XXXX XXXX times a day, auto dialer. After I have informed them, elderly are in the home, and the person they want is not here. 
.. Discover Card
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I disputed some inquires in Late XX/XX/XXXX to remove some inquires due to a Victim of their Inquiry issue. I received a letter it was not resolved a deleted. Here are the in inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

Around XX/XX/XXXX, I saw a suspicious charge made to my credit card. I called in and got new card mailed. I was waiting for that new card for a while, and I didn't get any phone call/ text/ email from the company. On XX/XX/XXXX, I was checking my account, and saw someone activated my new credit card and have been using it. So, I reported right away, cancelling that credit card. The next day, I called in again, and got a new card issued ( and this one I have with me now ). About {$2000.00} charges were made to that stolen card. And that card, I never received it. Then, I haven't heard from them for a while, so I called in again regarding the process, and the company told me that they send some letter regarding the dispute. Then, I found out that the claim that I made on 19 purchases from unknown party using the stolen credit card during the dates of XX/XX/XXXX - XX/XX/XXXX ( totaling {$870.00} ) were reversed on the XX/XX/XXXX. After I found out through the letter received end of XX/XX/XXXX, I saw that the reason that these claims were reversed was because they claimed that I somehow " benefited from the transaction by either receiving services and/or merchandise from the merchant '' from a stolen card. I called in for few weeks regarding these reversed charges, but I heard various reasons from the employees, like I may have another cardholder using it ( which I proved that it was not the case, as both cards ( I share with another person ) went missing together ) and fraud not being viable, since the other party activated knowing my personal information ( the lady explaining this weren't hearing my case at all, just arguing that this is my fault ). Last time I called in again regarding this reversed claims and tracking number of the previous credit card package, and the lady on the phone firmly said that the case is closed and don't have access. She just referred to another department to call in regarding the case, which I haven't got a call for few days.
Complaint sub-issue: Information belongs to someone else

XX/XX/2019, I have submit online dispute on equifax.com to mention that they put other person 's credit history to mine. That guy owe money and had late payment which affect my credit score. His first name is similar to mine. 

I asked them to resolve this and have no reply.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I mailed a letter to the credit bureaus, asking for a credit investigation. They were supposed to respond within 30 days, but I have not received anything from Equifax or XXXX.
Complaint sub-issue: Investigation took more than 30 days

A validation of debt letter under Fair Debt Collections Practice Act was sent to AMERICOLLECT INC Services but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from AMERICOLLECT INC is considered fraudulent and invalid. Since this was a medical situation i also requested that they provide a HIPPA authorization, in which they failed to produce. I also attached a copy fo the certified receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these inquiries or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Complaint sub-issue: Debt is not yours

I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I sent letters to Equifax, XXXX and XXXX credit bureaus regarding negative accounts reflecting on my credit report that aren't mine. I requested removal of the negative information impacting my credit. I haven't received a response from either three companies. I also demanded they update my only address to reflect the current address and they haven't done that either.
Complaint sub-issue: Account information incorrect

I SENT 2 LETTERS TO EQUIFAX ON THE XXXX AND XXXX OF XXXX, WITH NO RESPONSE CONCERNING THE INACCURATE ACCOUNT OF XXXX  , XXXX.THIS HAS BEEN A STRESSFUL PROCESS WITH NO HELP IN THE MATTER.XXXX ARE REPORTING DUPLICATE ACCOUNTS WITH EQUIFAX AND THEY WONT REMOVE THE ERRORS.I HAVE ATTACHED THE COPIES OF THE LETTERS BELOW
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 stated a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt is not yours

On XX/XX/2019, I was contacted by Enhanced Recovery Company regarding a debt from XXXX  of {$740.00}. I asked the representative to provide me with an address that service was established and an account number.The representative could not provide me with this information. I informed the representative that this was not my debt and questioned how can they report something on my credit file that they do not have all the information about. She instructed me to go to XXXX ID Theft and fill out a fraud affidavit, on such affidavit, it requests information like, an account number and proof of residency during the time the account was established. 
I contacted ERC again, to inform them that I couldn't successfully fill out an affidavit without that information and they told me that i had to pay the debt even if its not mines to get this removed off my credit file. I did send a request that they validate this debt as mines and provide me with relevant information and have not received any information from the company to support my request.
Complaint sub-issue: Account information incorrect

On or before XX/XX/XXXX and XX/XX/XXXX respectively, I sent dispute letters to XXXX, Equifax and XXXX  requesting verifiable proof ( an original Consumer Contract with my Signature on it ) in accordance to the Fair Credit Reporting Act, Section 609 ( a ( ( 1 ) ( A ). Information on my credit report does not belong to me and the credit agency did not remove the accounts from my credit report. The credit report agencies has not verified or removed questionable accounts on my credit report. This is causing me stress, high interest rates, and loss in employment opportunities. And opportunity to obtain a mortgage loan to move into a save community to raise my daughter. In XX/XX/XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. As well as XXXX  announced a data breach and I believe I am a victim. I am requesting XXXX XXXX  dollars for pain and suffering.
Complaint sub-issue: Account status incorrect

XXXX XXXX IS REPORTING DEROGATORY ON MY CREDIT REPORT SHOWING A BALANCE AND PAYMENT HISTORY. THIS ACCOUNT SHOULD BE REMOVED DUE TO THE FACT THAT THIS ACCOUNT WAS DISMISSED IN COURT XX/XX/XXXX. THEY ARE IN VIOLATION AND NEEDS TO BE REMOVED. I'VE CONTACTED THE BUREAU REGARDING THIS. IM TIRED OF BEING TREATED THIS WAY. 

XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX AND HAS REPORTED INACCURATE INFORMATION. DATE OF LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED, REPORTING THE ACCOUNT AFTER CLOSED. THE ACCOUNT WAS CHARGED OFF IN XXXX AND IT CONTINUED TO REPORT XXXX AND XXXX. THIS IS A VIOLATION PLEASE REMOVE! 
RECEIVED AN UPDATE ON XX/XX/XXXX SAYING THEY UPDATED INFORMATION BUT NOTHING HAS CHANGED
Complaint sub-issue: Problem using a debit or ATM card

XXXX XXXX, Targeted Employment Area Designations Among Reforms WASHINGTONU.S. Citizenship and Immigration Services ( USCIS ) will publish a final rule on XX/XX/XXXX that makes a number of significant changes to its EB-5 Immigrant Investor Program, marking the first significant revision of the programs regulations since 1993. The final rule will become effective on XXXX XXXX, XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

I have 4 collections items from Alpine Credit Collection Agency on my credit report. These accounts originated at XXXX XXXX XXXX in XXXX, CO. I provided my XXXX information at the time of service. Somehow the information wasn't transferred to XXXX XXXX for my x-rays. XXXX XXXX never sent me a bill and I first received a bill from Alpine Credit. I have called Alpine Credit and disputed this account. I have also called XXXX XXXX and given my XXXX information and was told my account would be removed from collections. I called both companies in early XXXX. However, these collections accounts are still on my credit report today XXXX XXXX and has taken a significant toll on my credit report. Can you please help me?
Complaint sub-issue: Information belongs to someone else

other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute to Equifax on XX/XX/XXXX, regarding XXXX XXXX. XXXX ( XXXX ) has reported that I am late, lowered my credit limit, charged XXXX in interest XXXX wrongfully ),  and has started harassing me. I uploaded 5 pages of documents showing that when I made the purchase, I signed for 48 months NO interest equal payments. They stated that Equifax verified the debt. There is no way they have signed papers after XX/XX/XXXX which is when I made this purchase. Equifax failed to actually look at my documents and verify what the lender sent. This has caused undue stress and a continued lowering credit score. According to the Fair Credit Reporting Act, they have an obligation to verify and have failed.
Complaint sub-issue: Debt was result of identity theft

I received an email from a XXXX XXXX regarding a XXXX XXXX XXXX  card that I have never had in my life. It states that True Accord is a 3rd party debt collection agency, working on behalf of XXXX XXXX. It states that no attorney has personally reviewed this account, if I fail to reach out to them, they may forward it to a local attorney for the purposes of filing suit. I take offense to this language very much so. Especially since the debt doesn't belong to me. I do not know who it belongs to, but it doesn't belong to me at all. I am not going to verify any information with them. They should be able to verify it, which they won't, because the debt doesn't belong to me at all. I have been a victim of identity theft for over 5 years. I am attaching my police report and nothing else.
Complaint sub-issue: Information belongs to someone else

I contacted the three consumer reporting agencies, Equifax, XXXX, and XXXX and let them know I am a victim of the Equifax data breach and my social security number was compromised. I am a victim of Identity theft. I didn't know at first so I only did the Identity theft affidavit. I got some letters from them saying that they couldn't block the information because I didn't provide an Identity theft Report. So I filed an Identity theft Report and sent one in certified and didn't get any response from them. This is not fair. There taking advantage of the law. I don't deserve this. How am I truly and identity theft victim and they choose not to help me. This is extremely unfair. I don't feel protected. I feel defamation of my character. My intent is to sue if Consumer Financial Protection Bureau can't help me. I have proof that they have my Identity theft affidavit on file so I will upload proof of that along with my Identity theft report, the notarized letters I sent them, My ID, My utility bill and that should be more than enough information for them to remove the accounts. No consent is Identity theft.