Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

XXXXXXXX XXXX XXXXXXXX have reported false fraudulent information to the 2 credit agencies XXXX and XXXX. 

I have written to the company XXXX XXXX  XXXX letting them know the account is not mine. I never signed any contract with anyone at XXXXXXXX XXXX XXXXXXXX or had ever dealt with them. I have written a letter to them and all 2 credit agencies to immediately remove this fraudulent information. The amount which XXXX XXXX 's current claim is due is {$2100.00}. The amount has increased since XX/XX/2022. Whys is this Happening? This appears to be an identity thief. Please help to remove this item from my credit reports.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from reaching my dream personal credit standing. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am currently in the process of obtaining a mortgage loan. In order to qualify for a lower interest rate I needed to bring my score up 2 points with XXXX, bringing my XXXX score to a XXXX. My mortgage lender uses Credit Plus to pull credit reports & rescores. In an effort to bring my score up 2 points with XXXX, I payed down a credit card. 

Instead of going up ( as predicted ) my score shockingly dropped 9 points  with XXXX! Credit Plus and lender had no idea how or why. Credit Plus contacted XXXX, who admitted they incorrectly updated the new balance & available credit limit, there by creating the score to drop. XXXX  corrected the information. However, according to Credit Plus, XXXX said that updating these numbers " messed up their reporting algorithm '' and now my score will reflect the incorrect lower score for the next 4 months. 

XXXX is pointing the finger at Credit Plus, saying they corrected their mistake, and Credit Plus can request a new score. And Credit Plus is  pointing back at XXXX saying they inputed incorrectly, and now it is still not reflecting a true, and accurate credit score because the algorithm was " messed up ''. 

I 'm being told there is nothing that can be done by Credit Plus. Now I 'm stuck paying a higher interest rate & mortgage insurance on my loan because of false/incorrect credit score. Because of this incorrect information, I 'm paying more, and no one will fix their mistake, and report a correct credit score. 

I received information back on the rescore on XXXX XXXX, 2018. Also, no one from Credit Plus will talk to me. They told my lender, they do not, and will not communicate directly with consumers. This " mistake '' due to XXXX & Credit Plus is costing me an additional {$200.00} a month on my payment. It 's a big deal to me, and I should n't have to pay more because my score is being reported incorrectly. In addition, Credit Plus has told my lender that my score will be " stuck '' at the lower score for 4 months. I do n't understand how this can be.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Account status incorrect

Last year, I filled a request for deferment. FedLoan sat on the application for MONTHS but did not process it, resulting in late payments being recorded on my credit report. This is negatively affecting my credit score and in turn, is affecting my ability to get approved for an apartment. These late payments were at no fault to me, but due to the inability of the staff to perform their basic job functions appropriately.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Debt was result of identity theft

Procollect has put my account into collections from an identity fraud case. Someone stole my identity and opened up a gas, listing an incorrect address as well.
Complaint sub-issue: Other problem getting your report or credit score

This is formal complaint against Equifax Credit Bureau. 
For last two years I have been trying to get a FICO score from this credit reporting agency. 
However with no succes so far, and the company is still reporting me a deceased person. 
I have send 10 or more letters with copies of my current documents showing that I am alive ( drivers license, passport, car title, insurance bill, social security card, license plate sticker sheet etc. ) but so far all my effored have been ignored. 
Can you help? 
Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

One particular issue is that I have disputed that my auto loan with XXXX XXXX XXXX XXXX account number ending in XXXX was supposed to be in good standing with no missed payments. Please see attached letter from XXXX XXXX XXXX XXXX. Which is just one of the issues I have with them for not making sure my credit reports are accurate when Im constantly calling and even speaking with supervisors.
Complaint sub-issue: Deposits and withdrawals

I had applied for unemployment benefits in Minnesota and had been in a long standing battle to get approved for a long time. At the beginning of XXXX I was finally approved and granted backpay for months which resulted in a handful of deposits amounting to almost {$10000.00}. I was having my social worker help me fill out the direct deposit forms on my unemployment account at the time and unfortunately he somehow managed to mix up mine and other clients banking information. This resulted in almost $ XXXX being deposited into an account at TCF bank that was not mine, after contacting TCF I was told that if the account holders name did not match the name on the direct deposit that they would return the payment to the sender. I waited and waited but it has been 5 months and still the state has not received that money back yet. For some reason TCF is still holding these funds and because Im not the account holder of the account where the funds were deposited TCF will not even speak to me about this matter. 

I wasn't given the exact payment amounts but I know it was maybe 5 or 6 payments totaling almost {$10000.00} a lot of them were sent on XX/XX/XXXX, but not all of them some were on a few days before the XXXX or a few days after. 

The last 4 digits of the account where the funds were deposited were XXXX I dont have the full account number because we are not given access to that information directly on the state website. If you need the full account number to find the payment let me know and i will have to contact the state. But I think it should be more than possible to track the payment with those last 4 ending digits.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Collection Agency threatening legal action for a credit card debt that I do not owe. Credit Reporting Agencies do not have the credit card number on my credit report. The implied credit card number does not exit and never had the card, the amount being asked for me to pay is {$3500.00} which includes implied balance, interest and penalties. I am a law abiding person and want this to be straightened out. 

I have been getting calls from a person, who claims to be working for a debt collector firm. I explained to him that there is some mistake about this claim, as I never had this Credit Card and proof is that it is not showing up on my Consumer Credit Report either. On the phone the person obtained my address from me and started sending me collection letters with collection notices, stating that there is a judgement against me in regard to the referenced account.
Complaint sub-issue: Denied request to lower payments

My name is XXXX XXXX and I have an auto loan with Key Bank. In the month of XXXX I applied for skipping a payment because I lost my job and I was going through financial tough time. They approved me for that month so I did n't make any payment. Next month they 're start making hundreds of harassing phone calls from the collection department that I missed a payment. I suppose to have a skipped payment for that month they said I never sing the latter. I never get any latter from them and I told them to resend me the latter again but never get that latter from them. Now they 're reporting it to my credit bureau and it 's really hurting my credit. Also I 'm worried about they are going to reposition my car. So tried to work with them about that issue and they refused to help about this matter.
Complaint sub-issue: Application denied

Notice of Grievance and Complaint RE : Case # XXXX - Citi Reference Number : XXXX Ongoing Credit Discrimination against national origin. 

My original complaint was submitted to the Office of Comptroller, limited in detail, and their organization forwarded the complaint to the CFPB without my evidence to substantiate the complaint and I have herein resubmitted complaint with enclosed affidavit in accordance with the protections expressed therein securing my religious and national origin birthrights for lawful consideration as brought the attention of many of Citibank N.A. representatives that have to sought to undermine my rightful demands to include economic damages. 

See attached documents.
Complaint sub-issue: Account information incorrect

I have called customer service about erroneous reporting on credit report, XXXX 2020. I'm listed as being 60 days late of this account. This is not true. All payments were done as scheduled
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

First, I have disputed with Equifax for them to delete the addresses listed below as they are inaccurate and erroneous : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX DELETE ALL ADDRESSES LISTED ABOVE!! 

I have disputed these inaccurate account entries with Equifax on numerous occasions and they have stated that the items were verified. To that end, I disputed with XXXX XXXX, the third party collection agency that is reporting this inaccuracy as well. XXXX alleges that a balance for 2 accounts is due in the amount of {$1100.00}. One account for {$650.00} and the other {$480.00}, yet they were unable to provide any documentation that bore my original signature for both entries, nor any documentation that reflected the financial responsibility page for both entries. Lastly, they never ceased reporting of these inaccurate entries to the credit bureaus as requested so that I may validate the alleged debts. 

To that end, I visited XXXX XXXX XXXX ( since renamed from what XXXX alleges ) and requested a complete and comprehensive document that reflected any charges that I may allegedly owe the facility. See attached documentation that reflects a mere 1 account and a balance of {$350.00}. Equifax has allowed XXXX XXXX to continue to damage my credit worthiness with these inaccurate entries. 

DELETE these entries immediately from my credit report per attached documentation that fully justifies the inaccuracy and untruthfulness in these entries being attached to my report.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$7400.00}
Complaint sub-issue: Old information reappears or never goes away

OnXX/XX/XXXX, I retrieved a copy of my credit report. To my dismay, I noted several inaccuracies that were reinserted on my report after I received documentation ( see attached ) from Equifax that they had indeed DELETED these entries. XXXX XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

XXXX XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

I AM DEMANDING THAT ALL OF THE AFOREMENTIONED ACCOUNTS BE DELETED FROM MY REPORT YET AGAIN!!!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I contacted Citi card to report three unauthorized transactions that occurred on XX/XX/XXXX, and to close the account. The customer service representative transferred me to the fraud unit at which time I was disconnected. 

Two of the three unauthorized transactions that I reported ( i.e., XXXX Flowers and XXXX XXXX & XXXX XXXX have been removed from my pending transactions. One unauthorized transaction ( i.e., XXXX XXXX for {$23.00} XXXX remains on my account. 

Since then, I have received a new credit card from Citi Bank and the XXXX XXXX unauthorized transaction has been transferred to my new credit card number. I have called Citi more than a dozen times and spent more than 180 minutes on hold and have been unable to resolve the unauthorized transactions or close my credit card account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Complaint sub-issue: Reporting company used your report improperly

This is in regards to the Equifax breach. I was informed I may have been effected by the breach.
Complaint sub-issue: Personal information incorrect

I have tried to get old addresses removed from my credit but it has been to no avail.
Complaint sub-issue: Account status incorrect

I have tried multiple times to dispute this inaccurate and incomplete information with all three credit bureaus. They have all fail to comply with FCRA Section 609 ( a ) ( 1 ) ( A ) verify, through physical verification the original signed consumer contract. I have requested proof of this alleged account numerous times. I have NEVER been supplied with it, because no such account exist. Failing to show proof per the FCRA the item must be removed from the credit report.
Complaint sub-issue: Report improperly shared by CRC

I have disputed several inquiries many times with Equifax and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me to Equifax. These were not authorized. 

XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 I am requesting information on how Equifax conducted their investigation into my previous dispute ( s ).
Complaint sub-issue: Information belongs to someone else

I discovered two weeks ago that Lexisnexis -- as part of the Risk Solutions part of their company -- had a report on me that includes information about another woman with the same first and last name, but different middle initial and different social security number. This woman 's financial information is negative and I am in the process of trying to complete a financial arrangement which this information is blocking. I called Lexisnexis to dispute the information. The person I talked to was able to determine the problem by a simple visual examination of the data but said the dispute process would take 30 days. I asked that it be expedited. 

I should point out that none of the information in the Lexisnexis data base is in any of the reports from the credit reporting agencies, like XXXX. 

My immediate concern is the difficulty the inaccuracies are causing me. But in the course of my discussion with the Lexisnexis representative I became alarmed about the quality of Lexisnexis information in general. I was told that the data collection depends on first and last name only ; it isn't even sophisticated enough to take different middle names into account -- much less, apparently, social security numbers. Lexisnexis Risk Solutions describes the product as providing 'powerful analytics tools and targeted solutions that support more informed, more effective decisions '. Nothing about my situation supports this description.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Debt was paid

AFNI is reporting a debt on my credit file. I recently checked my credit and notice this debt. I have never received any phone calls, letters, or any notifications. I called immediately to find out what this was regarding to and paid the debt. Afni is in violation of my 30 day right to dispute. I never received anything.
Complaint sub-issue: Reporting company used your report improperly

XXXX was contacted with written request and proof of identity in regards to consumer report and freeze on the XXXX th and again on the XX/XX/XXXX also have left several messages via phone and faxed request as well no communication or evidence of issue has been resolved
Complaint sub-issue: Account information incorrect

Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of Equifax, XXXX, and XXXX we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. Thank you.
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX