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

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates are attached!

BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Complaint sub-issue: Their investigation did not fix an error on your report

Status update in XX/XX/2021 on my Equifax report for a credit that has not name and address. I have no way to verify the information or contact the credit because no contact information is listed. I did reach out to Equifax before and aske them to remove this off my credit report but they just keep updating the date without updating creditor information.
Complaint sub-issue: Debt was result of identity theft

Fraud activity pnc bank. Closed account
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make these charges .i ask that the items be deleted to correct my credit report .i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible.
Complaint sub-issue: Account status incorrect

XXXX, XXXX, XXXX are reporting in accurate information. The dates are wrong and amounts are inaccurate I request all three bureaus to furnish proof of XXXX if these accounts are certified.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Equifax has failed to assure me 100 percent possible maximum accuracy when it comes to my consumer report. They are still violating my rights after the third attempt trying to fix this issue. They are still hosting two tradelines on my consumer report that I have filled an FTC complaint about and a police report and they still have not removed the account from my consumer report. I even have someone on the phone stating that they only can remove an account if the furnisher tells them to. Which I stated that's not how the law works. It is the duty of the furnisher to report accurate information but it is also the consumer reporting agency 's job to assure you 100 percent possible maximum accuracy when it comes to the things on your consumer report. I will attach the FTC report the dispute letter and the police report that I sent to them and a screenshot that these accounts are still on my consumer report. XXXX is willfully being non-compliant pursuant to Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) for not blocking information [ 15 U.S.C. 1681c-2 ] ( a ).
Complaint sub-issue: Account information incorrect

XXXX OF 2020 I GOT A CREDIT REPORT AND FOUND THAT THE 3 MAJORS BUREAUS WAS REPORTING MY INFORMAITON WRONG. I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. ASK FOR A VALADATION OF THE ACCOUNT THE RESPONED TO ME STATING IN WRITING THAT THE DO NOT HAVE ANY ACCOUNT THAT BELONGS TO ANYONE MATCHING MY NAME OR THE ACCOUNT NUMBER.
Complaint sub-issue: Information belongs to someone else

I reported identity theft back in XXXX & Equifax has ignored my affidavit. I need to get compensated for this because its blocked me from getting credit. Equifax has really impacted my financial future in a negative way
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected toeliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$270.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit reporting act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Problem accessing account

I have an account with PNC. I am trying to link my XXXX account and PNC has made me unable to do so.
Complaint sub-issue: Information belongs to someone else

There are collections on my credit report that are not mine i am going to list them here.        1.   XXXX   XXXX   XXXX   -   XXXX   2  .   XXXX   XXXX   XXXX   -  XXXX  3.   XXXX   XXXX   XXXX   -  XXXX  4.   XXXX   XXXX   -   XXXX  5.     XXXX   XXXX   -   XXXX   6.   XXXX   XXXX   -  XXXX  7.   XXXX   XXXX   -  XXXX  8.   XXXX   XXXX   -   XXXX   9.   XXXX   XXXX   -  XXXX  10.   XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   XXXX   XXXX   XXXX   -  XXXX
Complaint sub-issue: Account information incorrect

I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. The finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.15 USC 1681e ( b ) which states a company must report maximum possible accuracy Erroneous RESULT OF The Equifax Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY INCORRECT across all 3 Bureaus XXXX XXXX and Equifax, I called this to attention and Equifax changed it but I request it to be delete because I did not give them permission to report this on my profile, I will pursue further law suit actions15 USC 1611 - violation ( criminal liability ) of the company if they do not give you two copies of recession notice of right to rescind on the loan 15 USC 1635b - company did not give me right to rescission, I shall receive all money involved.

15 USC 1640 ( 2 ) ( A ) ( i ) - civil liability failure to provide right to rescission results in double amount of finance charge and {$1000.00} for each violation found in connection with the transaction 15 USC 1666b ( 4 ) ( 5 ) - company failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance )
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX - posted an account in collection on my credit report and individuals SSN does not match to my SSN or previous address.
Complaint sub-issue: Reporting company used your report improperly

I am a real person and I would like to dispute incorrect information on my credit report. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Debt was paid

I already proved with the credit bureaus and the CFPB that this account is a relatives account it is not mine ; it has been removed from my credit reports a couple of times, the account gets sold after I show that it is not mine and then it goes back on my credit reports, affecting my life and my family 's life. Original account is Citibank NA : XXXX XXXX XXXX XXXX. The account was sold to XXXX XXXX XXXX, then XXXX, XXXX and now a company called XXXX XXXX XXXX ; whom never contacted me, they placed it on my credit report. I did send them a letter, I have not heard back from them.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022 I submitted a complaint stating that an account was opened with XXXX XXXX  that I didn't authorize nor give my consent. I also attached a FTC report in proof on identity theft. XXXX removed the account from my consumer file and since have reinserted this fraudulent account stating that it has been verified. On this investigation results XXXX is also reporting on this notice that the account in question address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  After I viewed the other two credit agencies I discovered that all three Credit reporting agencies are reporting different addresses for XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  & XXXX So now the question is who is this company that verified this account. I XXXX  the address XXXX  XXXX and the address that XXXX is reporting is not the correct address.
Complaint sub-issue: Account status incorrect

On XX/XX/2018 I made a payment of {$490.00} to Nelnet ( Bringing me current ) On XX/XX/2018 I made a payment of {$50.00} to Nelnet ( Keeping me current ) On XX/XX/2018 I made a payment of {$53.00} to Nelnet ( Keeping me current with decrease in balance owed ) However, my credit report as of XX/XX/2018 has yet to be updated correctly. 
I called XXXX  and filed a dispute sometime in the month of XX/XX/XXXX to dispute the issues with my credit still showing me being behind 140+ days with an account that " needs attention '' and I received notification on Sun XX/XX/2018 that my 3 accounts had been updated and current. One week later, I received notification from XXXX XXXX stating that my credit for the three Nelnet accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both Nelnet and XXXX  continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but Nelnet has three separate account on my credit when in Nelnet I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.
Complaint sub-issue: Information belongs to someone else

Im 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, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$850.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem with fraud alerts

Dear CFPB, About 10 months ago I was a victim of identity theft and went through all required procedures to protect myself. I filed a police report and FTC affidavit and notified all XXXX credit bureaus who shared the information with each other for my protection. After 6 months of working with the police everything was back to normal. Since fraud alerts make every financial transaction regarding credit or employment very sensitive I sent official letters to each agency with my passport scan and social security card scan along with employment identification making an official request to have the fraud alerts and security freeze removed. To my surprise only the XXXX agency has complied. There is still a short statement on my Equifax report the exact opposite of what I legally had requested removed under federal rights! I want these statements removed! Their inability to listen and follow instructions caused problems for me today during a particular transaction so this is it. I have attached a letter which was sent out in XXXX ...
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax falsely reports information and did not correct errors as far back as official complain XXXX. It has caused multiple set backs and adverse actions on credit negatively effecting myself. Refused to give copy over phone in writing and now by contacting after again denied credit card due to false information not corrected yet they shared with my personal bank. I was notified by my bank and equifax has still refused to send the feedback copy of report used to determine this that I am allowed by right to dispute. This company has known of identity fraud as also breach by this company occurred in XXXX. 
XXXX Fixed errors and sent report around XX/XX/XXXX it is now XX/XX/XXXX, problem over the phone has now stated I failed to pass identity questions when infact XXXX they provided I am not associated with and is not on my report therefore inaccurate information given to even identify myself the caller and this has now delayed application submissions for living/ housing as faced with hardship. The credit bureaus continue to cause more harm as they have not investigated as requested in XXXX to XX/XX/XXXX and eventually I had to fight for freeze as told they could not do this either. I XXXX XXXX note my rights to review and at least offer a way to receive such information by proving in another way such as through mail have not been given. This remains the same for XXXX as they confirm removal of false inaccurate information to me in a report yet report to creditor 's or venders/ XXXX parties other false information. I need to report this as it has gone on over 3 years and has greatly effected me and my children 's life especially during the pandemic when everything has been converted to electronic pay and identity style structured technology systems. The Social Security and Postal Service also are effected and I have already requested lift off of freeze until I call in to place back on and noted I would have to pay a fee as this is suppose to be offered free as identity theft protection. Note Annual credit report also has been denied several times to me during the pandemic when it has been available for free for everyone. My information was taking and company XXXX took unauthorized {$29.00} out of my private banking account that I had to dispute as well and now I am unable to even supposedly verify myself on there phone verification. I need my reports I have the right for errors to be corrected. I can not get this as bureaus with-hold my information just as the post office continues to cause havoc to my right to mail. Lastly note all information was provided such as ID, social Security Card and Address proof birth certificate and still 3 years no help this has caused XXXX XXXX and XXXX to have identity in question this long and negatively impacted as well the government ran programs I am on the discriminate and retaliate for all this that is out of my control and yet it is used against me.
Complaint sub-issue: Information belongs to someone else

There's unknown incorrect unauthorized accounts wrongfully reporting on my credit file and I'm demanding that these accounts be removed as pursuant to the laws of the FCRA. Please block the following. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Complaint sub-issue: Problem with statement of dispute

I have had REPEATED issues with EQUIFAX and seems to be a pattern of negligence or abusive intent. I submitted a dispute referring to my XXXX account that had a leading " - '' which was unnecessary or inaccurate and ambiguous, and in NO way did I phrase the validity or whether it should appear on my report. EVERY instance of EVERY dispute I have filed has NOT been adequately/sufficiently/properly/appropriatelyrelatively addressed. I demand accountability. I will be contacting every other govt agency and filing civil action to FINALLY hold this FOR PROFIT institution ACCOUNTABLE for their imprudent handling of consumer disputes for the sake of GREAT FINANCIAL GAINS TO THEMSELVES AND THE CREDITORS. I will also hold the CFPB accountable for ANY AND ALL actions that prevent or interfere with this objective, including the disabling of my account, which has been already done!
Complaint sub-issue: Was not notified of investigation status or results

XXXX Equifax, and XXXX were all sent disputes on XX/XX/2021. I sent a dispute of items that were alleged to belong to me. The 30-days that are required to investigate this matter under FCRA 611 ( 15 U.S.C. 1681I ) have expired. However, this inaccurate information is still on my credit report. The alleged items could be linked to the Equifax data breach are. I would like this information removed immediately per the FCRA or I will instruct my attorney to file litigation because I don't have time for the back and forth.
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Complaint sub-issue: Information belongs to someone else

I was made aware of an account and several inquiries appearing on my credit report that do not belong to me. I found out today XX/XX/20 because I had my credit ran to see if I pre-qualified for a home loan. I had no idea these inquiries and account were on my credit report because that are not mine and I didn't give anyone else permission to open this account or make these inquiries in my name. I don't know who is responsible for this but I have already filed a police report. I do not have any written/verbal contract with any of the companies listed on this report and I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit. I have filed a complaint with the CFPB regarding these inquiries and account that were opened without my authorization.
Complaint sub-issue: Public record information inaccurate

I was trying to get a loan to help for school this fall ( for my daughter ). Well I was told about some bankruptcy information I do not recognize at this time. The CRA stated Lexisnexis provided this information, so we sent a letter to lexisnexis disputing this information. We never heard back from them and while lexisnexis is a huge database of personal information this is not acceptable. I read on the ftc website they have to respond in 30 days and that did not happen.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Can't close your account

I received an email from Citicards XXXX XXXX stating that my account # XXXX will be closed as of the expiration date on the card which is XX/XX/XXXX. Just got off the phone with them, talked to customer service, the client focus team and an account manager to try to set up a payment plan with a lower interest rate. Was told there isn't one available. I then spoke to customer service to close this account as of now and was told firstly that the card is already closed and has been sent to the credit bureau. I asked what about the letter i received and was told in is in the process of being closed. I was then told I can't close the account. Since it is in the process of citi closing it. So instead of the credit bureau seeing that I closed the acct it will see that it was closed by the credit card company which would lower my credit score. That seems illegal to me, a customer should be able to close their account at any time. I have made all my payments and I am not in arrears on any card. I then tried to close my remaining card with them and was told I needed my pin, never has to use one before this. They said they would text my one. Then I was conveniently disconnected. I have been trying to raise it since the end of XXXX at which time I had emergency XXXX XXXX XXXX and wasn't able to work for 6 months.
Complaint sub-issue: Debt is not mine

I continually get phone calls from a collection company that does not leave a message but calls almost daily. We once called them to tell them who we are and that XXXX have no unpaid debts and still get calls at all hours.