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

Hi I am submitting this 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Unfair crediting scores. Credit companies like Equifax and XXXX  rate unfair scores. There is no set system to dispute while they report scores that jeopardize and affect ones livelihood. It should be illegal to not have fair reporting systems when these are systems used by companies denying lifestyle opportunities. 
I was scored +XXXX  points for lowering my debt by XXXX and reduced XXXX points for adding XXXX. Who sets the standards on companies that play with a persons livelihood?
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 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 XXXXXXXX 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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 antedates the report by more than seven years.

15 U.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 inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX did their part and either updated or deleted where Equifax has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and Equifax on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Colorado XXXX-XXXX  on account # XXXX original creditor American Physicians who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. Equifax is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under XXXX XXXX. They violating Fair credit reporting act and should be held accountable
Complaint sub-issue: Information belongs to someone else

I have items on my credit report that does not belong to me. I have filed fraud reports to the credit bureaus Equifax, XXXX and XXXX. 
The listed company does not belong to me : XXXX XXXX - has two different accounts listed. 

( XXXX XXXX - {$10000.00} and {$6700.00} & XXXX XXXX {$0.00} and {$0.00} ) But, both has the same account numbers. These accounts are eroneous and does not belong to me. They are hurting my credit score. The credit bureaus are doing nothing to rectify.
Complaint sub-issue: Debt was paid

I keep getting phone calls on bills I do not know owe.. and not even in my name.
Complaint sub-issue: Reporting company used your report improperly

Unauthorized use of my credit report. I currently have 2 major issues with Equifax Consumer Services ( credit bureau ) One issue is XXXX XXXX, the second issue is XXXX XXXX XXXX  I have been disputing this XXXX XXXX account with Equifax since XX/XX/2021. Equifax keeps telling me that the account is verified. Equifax has not shown me any verification methods, all it says is " verified ''. I submitted yet another dispute XX/XX/2021, demanding Equifax to prove how they verified the account with XXXX XXXX. I called Equifax XX/XX/2021 and spoke with three different representatives, XXXX, XXXX and XXXX, I asked how do the verify accounts. They said, they only report what is reported to them. Equifax said when we dispute an item on our report, they ask the creditor to verify the account and when the creditor verify that information, they tell Equifax it is " verified '' and Equifax marks it as Verified on their end. Equifax said the do not partake in the verification process. 
Next issue is 5 collections from XXXX XXXX XXXX were reported in XX/XX/2021. The balance on these collections were {$340.00}, {$860.00}, {$1600.00}, {$1700.00}, and {$1800.00}. I disputed these collections and all 5 were removed in XX/XX/2021. In XX/XX/2021, all XXXX collections were reinserted by Equifax and all 5 collections now have a balance of {$0.00}. I logged into myequifax.com, to review all of my credit reports from Equifax, and my XX/XX/2021 credit report is missing. I called Equifax and spoke with 3 different people about this issue XX/XX/2021. I expressed to these 3 people, XXXX, XXXX and XXXX, multiple laws they were breaking and the number of violations they were in. I told them I did not validate the debt with XXXX XXXX and I did not validate the debt with XXXX XXXX XXXX  and they need to be removed until I validate them. XXXX kept ignoring my request to NOT submit another dispute, he started another dispute and asked if there was anything else I wanted to add to the dispute and he hung up on me when I asked to be transferred to another representative. All three representatives I spoke to said that there was no trace of the 5 collections being on my credit report prior to XXXX, no indication of the 5 collections ever being on my report or removed.
Complaint sub-issue: Account status

Credit Card Bill was due on XXXX/XXXX/17. I called into the customer service on XXXX/XXXX/17 and paid the bill over the phone. ( Details of time, person spoke with, and confirmation number given, can be made available, if needed* ) Received bill due XXXX/XXXX/17 and noticed bill from prior month not paid, also included late and interest fees. I called back to customer service ( * ) on XXXX/XXXX/17, explained the prior month and stated I was willing to pay what I owe ( using my original given payment information, on XXXX/XXXX/17 ), not the late and or interest fees, since I paid this on my previous call ( on time ) and received a confirmation number in doing so. I was told I would hear back within 3-4 business days. I then received a letter on XXXX/XXXX/17 ( dated XXXX/XXXX/17, which is 5 business days since my last conversation with customer service on XXXX/XXXX/17, not 3-4 as I was told ), asking for information not pertaining to how my original phone payment was made ( XXXX/XXXX/17 ). 
Due to my work and travel schedule, I returned a call to customer service ( * ) on XXXX/XXXX/17 after receiving bill due XXXX/XXXX/17, balance still not paid, after 2 previous calls and additional late and interest fees. It was at this time where customer service noticed my previous calls, apologized for the error/s on their behalf, paid my bill in full and credited back all additional late, interest fees, etc. DO NOT UNDERSTAND WHY THIS WAS REPORTED ON MY CREDIT REPORT, SINCE IT WAS NO FAULT OF MINE, HOWEVER, I REQUEST THIS REPORT TO BE REMOVED FROM MY CREDIT REPORT, FOR IT IS HURTING MY OVERALL CREDIT SCORE.
Complaint sub-issue: Investigation took more than 30 days

XXXX  account doesn't match other credit reports. Asked for investigation and it has taken longer than 30 days to provide original documents proving debt or anything owed.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Account number # XXXX I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Never late my payments please remove. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. I also have all my certified mail copy saying it's delivered and i got my return mail slip as well. 

As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Again, please provide what I'm requesting because I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX
Complaint sub-issue: Account information incorrect

After dealing with XXXX Bank on a Auto loan incorrect reporting to the credit bureus. Loan was Paid off in FULL XX/XX/XXXX of XXXX. They are marking XXXX of XXXX XXXX late even though I had spoke with multiple Reps on phone over weeks leading up to sale of truck that I was in process of selling truck and it would be paid in full. Truck was sold on XX/XX/XXXX I called XXXX BANK that day ( XX/XX/XXXX ) to ask if I should make XXXX payment being it would be 30 days on XX/XX/XXXX. Their response was it was not needed and they will make note of account to state vehicle had been sold and payoff was being sent. This didnt happen and 30 day late mark went on my credit EVEN though before it was reported as " late '' they recived full payment for the vehicle before they marked it as late, I got the alert around XX/XX/XXXX and by that time they had already had full payment for the truck. And the payment the are marking late is the last payment which was included in the Payoff. I was never late on any payments to them leading up to this, I kept in contact with them to make sure nothing would be marked late and even offered to make payment day of to avoid a 30 day. I was assured it would be noted on account that vehicle was paid off in full and assured no negative marks would happen. After speaking with them again and again I am told that those " cutomer services reps '' do not have the authority to make those calls. Well when I am told by a rep of their company the above how am i suppose to know I need to go to a different person that makes that decision when it was never offered to me. I have spoke to multiple people now at XXXX BANK and they all tell me they agree with what happened wasnt right, but they cant change what was reported. Attached is a copy of the sale of Truck on XX/XX/XXXX For the XXXX XXXX XXXX They have also reported to the 2 bureaus incorrectly/different on what month. Than on XXXX shows paid as agreed Equifax it shows it was XXXX payment XXXX Shows XXXX XXXX Shows " Paid, Closed ; was Paid as agreed ''
Complaint sub-issue: Their investigation did not fix an error on your report

I demand to see Verifiable Proof from XXXX, XXXX  and Equifax ( an original Consumer Contract with my signature on it ) and have a file of the accounts listed below. The failure to positively verify these accounts, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. I demand the following accounts be verified or removed immediately. Please add a Promotional Suppression to my credit file. Which, nothing was sent or handled. In addition, investigation always exceeds the 30 day window. 

XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX Card XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account
Complaint sub-issue: Information belongs to someone else

I've tried over the last year for Equifax to remove a XXXX  XXXX  account that is in the name of XXXX XXXX. XXXX XXXX XXXX has already agreed this isn't my account. Both XXXX  and XXXX  have removed it from my file. Yet Equifax refuses to remove this. This is my last step before having to go back to court. 

Equifax has agreed my name and info is XXXX XXXX, it's already been proven in court that I am not XXXX XXXX, nor is this account mine.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

On or about Tuesday, XX/XX/XXXX, a guy claiming to be from a company called Westwood threatened legal action against me if I did not pay a past due amount. They threatened arrest, jail and garnishment of wages if I did not agree to immediately pay something. 
Out of fear, I paid {$50.00} immediately and agreed to {$150.00} payments for the next 4 weeks even though I can't really afford that at this time. They have my debit card numbers and will withdraw the money on certain dates. 
I am concerned about the legality of this. I don't like strangers with my card numbers ; I have no idea who these people are and if they're legit. I was supposed to receive a receipt by email for the {$50.00} paid already and never did. 
Until I can verify that they are legit, I will be canceling my cards..I do not want to lose funds to this potential scam.
Complaint sub-issue: Debt was result of identity theft

I received a bill from a company called XXXX XXXX XXXX XXXX for a dialysis treatment ( date is XX/XX/18 ). I do not get dialysis. Ive never visited this facility or live in the area. And I legally changed my name but the bill is under my old name - which I did not have at the date above. The bill amount is {$1000.00}. 

The collection agency is called XXXX XXXX XXXX ( XXXX ). Ive spoken with them twice and they say they do not have the contact info for XXXX XXXX XXXX. And I can not find them online. So I have no way to contact the creditor.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XX/XX/2020
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, 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 Equifax. 


1. Company Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Complaint sub-issue: Information belongs to someone else

Some how my name and ssn number been compromised and it has affected my credit file and now reporting unknown and unauthorized accounts inwhich I'm demanding be removed immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX {$100.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I told pnc bank before to put my work on a do not call list. I found out that around XXXX XXXX XXXX XXXX they have been calling my work.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my XXXX XXXX credit score and my Equifax is showing 6 hard pulls that I do not recognize.XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX were pulled XX/XX/XXXX. I alerted Equifax and set a 90 day fraud check on my accounts so hopefully that deters any identity thief from trying to take out any more credit. If I could get assistance in this, it would be great.
Complaint sub-issue: Information belongs to someone else

I have been trying for more than 10 days to fix an error on all three credit reports. Equifax fixed the error which was probably caused by their breach within 24 hours. I filed to have XXXX  also fix the 2 errors. 
I am not XXXX XXXX XXXX XXXX and I have never lived at XXXX XXXX XXXX, XXXX  XXXX, XXXX, Fl XXXX. 
These two errors need to be fixed by both XXXX and Equifax. I have tried to contact Equifax for over 1 week and they are impossible to deal with. Their dispute website does not work and I keep getting kicked off. If you pay for a yearly membership, you might get through, but I doubt if that would even work. There is no human contact or customer service to help. Of all the credit bureaus they are the worst and only want to sell me my credit report or establish a membership. 

XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I never heard of this company before. I do not owe these companies and didn't engage in any business transaction with them. I contacted Equifax and XXXX and requested copies of contract or where I agreed to pay the accounts but they did not.. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ,
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Unresolved Chargeback dispute between Citi and a merchant ( XXXX ) regarding the original transaction date of XX/XX/2020 in the amount of {$1700.00}. This was a deposit for an out-of-state apartment lease who required a merchant transaction through XXXX. 

On XX/XX/2020, I was forced to put a temporary hold with Citi on this transaction due to Covid-19 travel restrictions, but two days later I cancelled the hold when the landlord agreed to hold my deposit until Covid travel restrictions were lifted. 

Citi sent a " Dispute Detail report '' that this transaction amount of {$1800.00} was canceled and applied a permanent credit to my Citicard. Later, Citicard rescinded this credit claiming they made a mistake and the charge remained on my Citicard. 

The merchant nor the landlord received the funds after I cancelled the hold with Citi. 
I used other funds to pay the amount again to the landlord, while Citi showed that I still owed it on my Citicard