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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. I found that under section 605b ( a ) XXXX and Equifax shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : XXXX
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2022 I opted out of XXXX XXXX XXXX XXXX, I completed all documents that they are not to report on me and to remove me from there system and affliates as well such as third parties etc they use. 
They continue to share my informationa and report about me which is XXXX percent of the time inaccurate. 
I requested information from XXXX, Equifax and XXXX regarding what was reported by XXXX XXXX and copies of the documents they are basing the information that they are reporting on the bureau about my credit worthiness and still nothing. 
I have went back and forth with them about inquiries that were not authorized by me, that companies which include XXXX reporting hard inquiries or allowing XXXX XXXX to place multiple inquiries on my report which hit me hard and they refused. They keep sending me the same generic response that its been checked and remains. 

Recently, they reported I was over my limit on a Credit Card ( XXXX XXXXXXXX ) which I was not, by {$11.00} and said that was the reason my score dropped XXXX pts that it obsered. My history is good, my payment history on time, no lates nothing my usage is 17 % they don't comply to request they do whatever they wont. I was in the middle of a refinance and my score was XXXX and when they supposedly rec 'd notice that my credit card was over the limit by {$11.00} XXXX dropped score to XXXX and Equifax dropped it from XXXX to XXXX and XXXX dropped it to XXXX all for the same thing over the limit which I have uploaded and spoken to the credit card company who say they have notified them its not.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2021, I sent a goodwill letter disputing the validity of ( 8 ) incorrect items on my credit to XXXX. I submitted disputes along with evidence that the letters were in fact sent to the correct address. The representative stated that he would include the notes pertaining to the letter and that the disputes would be investigated. He went on to state the original debtor had transferred the debt to another collection agency and that the information was verified that company. I called back on XX/XX/XXXX to follow up with my second letter and was informed that neither letter was received by the dispute department and could have potentially been destroyed. I called back in today and spoke with a representative from XXXX to XXXX EST only to be told that due to the high volume that she was not able to assist in looking into the matter and that the only thing that she could do was to start a new dispute following my follow up letter. She then transfers me to a dispute Supervisor XXXX and we started the entire conversation over and he informed me that they had not received any of the ( 3 ) letters that I submitted questioning the misinformation on my credit report. I have been patient with Equifax for ( 2 ) months and when I feel as though I am getting somewhere, the supervisor ends the call and I am then prompted by a survey. As a result of the handling of my inquiry, I am now submitting a concern about Equifax and their poor management of my personal information. This company is in violation of 15 U.S. Code 1692g, 15 U.S. Code 6801, 15 U.S. Code 1692e, and 15 U.S. Code 1692k.
Complaint sub-issue: Investigation took more than 30 days

Equifax investigated a fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. 

A month later, Equifax begins to re-report this fraudulent account that had previously investigated and removed. I called Equifax and they indicated that I can dispute it again and wait another 30 days for the results. I called back later and was told that the account could be removed with a letter from the lender only now since it was put back on my credit after an investigation removed it. I asked why it was put back on my credit and the representative replied because the lender sent a monthly update and they put it back on my credit. I inquired whether or not this was an internal policy or a requirement of the Fair Credit Reporting Act. I was told by an Equifax representative that Equifax makes its own policies on how it handles fraudulent accounts and disputes. Equifax is now going beyond the 30 days required in an investigation process for a fraudulent account investigation and intentionally causing me harm by reporting an account they previously investigated, determined fraudulent and removed. This is a direct violation of the Fair Credit Reporting Act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

I have not been able to find a means to dispute the incorrect information Equifax has on their credit report on me. Equifax telephone numbers do not allow for dispute of their incorrect information. only to put a 90 day fraud alert- but the incorrect info remains. To mail a request to one of Equifax address is a waste as they can just trash it. The Equifax credit report viewed on my XXXX acct shows an incorrect address for my residence and in a State I have not even been in. And someone tried to open an account in my name and XXXX did closed that account. The incorrect address can cause a fraudulent situation which had just occurred.
Complaint sub-issue: Debt is not mine

I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Complaint sub-issue: Account status incorrect

I am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a 30 and 60 Late pay the is showing on my credit report from XXXX XXXXXXXX XXXX USA N XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, XXXX XXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 I sent out letters and havent had a response yet I wont these items remove
Complaint sub-issue: Account status

The information that my XXXX was included in my bankruptcy is incorrect. We actually reaffirmed our mortgage and have NEVER missed a payment! We are still current on it. Please correct the reporting of this information as it is hindering my ability to refinance my mortgage. This is a direct violation of the FCRA.
Complaint sub-issue: Reporting company used your report improperly

Lexis Nexis has knowingly and without lawful authority stolen my identity, created a profile with my likeness and produced an item under the guise of " predicting risk assessment ''. They have proceeded to furnish this information to various entities all while profiting tremendously. As a consumer, I am aware of there being no statute of limitations on fraud. How is this fair and equitable to me as a consumer? I am also aware of various laws in place to protect me as a consumer. These fraudulently created and furnished reports contain my social security number. I am sure Lexis Nexis does not have the required forms provided by the XXXX : XXXX No. XXXX or XXXX  XXXX signed by me in their possession. All of the fraudulent information they have produced and provided under the guise of being me has caused me severe financial harm and stress and injury. I am looking for remedy immediately in the form of check totaling {$7500.00} made payable to me within 10 days.
Complaint sub-issue: Overdrafts and overdraft fees

I called into the PNC call center about a 2 overdraft fees. I was sent to the escalation department. The case worker there was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded regardless of who I spoke to ''. I was told that if I had a problem with that I could send a letter to corporate. Today, X/XX/17 I called the corporate line I found online. A male consultant then told me that if I wanted to go ahead and use my card, I could opt into overdraft protection ( which would just charge me more in over draft fees. ) I have been treated aggressively and the customer service reps refused me the opportunity of speaking to a supervisor. I feel the refund was due because of a bank error. I had an overnight direct deposit come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account. I am not asking for ALL 6 of the overdrafts ( at {$36.00} each for a total of {$210.00} ) they have charged me this month. Just the 2 that went through last night.
Complaint sub-issue: Cashing a check

I have a XXXX  XXXX  that buys and sells fresh produce through out the country. I am licensed by the USDA so I have prompt payment requirements. On XXXX XX/XX/2021 at XXXX I attempted to deposit a check for {$22000.00} in the lobby atm at the us bank branch at XXXX XXXX XXXX XXXX XXXX MO XXXX. I have been making these deposits every Friday morning in this same machine for several months.I entered my pin and followed the prompts then inserted my endorsed check. Then the word error came across the screen and a slip of paper came out stating an error has occured and I would have to call an 800 # then an investigation would be done. So I called the 800 # and the person told me that the bank would investigate and notify me by mail in 10 business days. I asked the people in the branch for guidance and they told me to call the 800 # because there was nothing they could do. I need this money to promptly pay for XXXX XXXX XXXX  from a California XXXX. I have to have a XXXX XXXX to do this kind of business and in having that license I agree to pay for fresh fruits and vegetables and the interstate transfer of said product in 10 days. The US Bank policy to remedy this machine error puts my lXXXX XXXX XXXX in jeopardy.
Complaint sub-issue: Public record

I have judgements on my equifax credit report that should never have been reported. These items were paid in full. I am still a resident at the apartment complex. I would to have these items removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 1. XXXX XX/XX/XXXX 2.XXXX  XX/XX/XXXX 3. XXXX  XXXX XX/XX/XXXX 4. XXXX  XXXX  XX/XX/XXXX 5. XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX 6. XXXX XXXX/XXXX  d XX/XX/XXXX 7. XXXX  XXXX XXXX  XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX  XXXX  XX/XX/XXXX 10. XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX  XXXX  XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX  XXXX  XXXX  XX/XX/XXXX 16. XXXX/XXXX  XXXX  XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account opened as a result of fraud

Received bank account information and promo from multiple banks on our address for an unknown individual ( XXXX XXXX ) not associated with our address or anyone in our household or next of kin, friends etc..
Complaint sub-issue: Information belongs to someone else

I am interested in disputing all incorrect information from my credit report with Equifax to help clear my file. a lot of information is invalid. an is hindering my file. please update all information to help my credit report.
Complaint sub-issue: Information belongs to someone else

XX/XX/2021 someone ran my credit from Citibank Na, XXXX XXXX XXXX XXXX XXXX. Im not sure if they opened a credit card or not Im just trying to get ahead of it. My XXXX account was hacked and they stole all my information now I cant even call out or text message anyone on my phone. They took my social security number, address, name, DOB and bank info.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX XXXX XXXX and I began email correspondence to discuss me purchasing a XXXX The XXXX XXXX XXXX XXXX Print Silk Shawl from her. On XX/XX/XXXX, I agreed to purchase the scarf for {$850.00} via XXXX. The {$850.00} consisted of the price she was selling the scarf for, XXXX fee, shipping cost, and insurance cost. 
I sent the {$850.00} to XXXX that day and she shipped the scarf to me the next day, XX/XX/XXXX, and provided me the tracking information. The day after that on XX/XX/XXXX, I found the scarf on XXXX website for almost {$300.00} cheaper. I emailed XXXX and asked her if I could return the scarf to her for a refund since I was able to find the scarf for a much better price. 
She didnt immediately respond to my email so when I received the scarf on XX/XX/XXXX, I shipped it back to her the same day without even opening the box. I emailed her to let her know the scarf was on its back to her and provided her with the tracking number and advised it would be delivered on XX/XX/XXXX. I asked her to please issue the refund. 
It was at that point that she told me all sales final. This was the first time we had discussed any type of cancellation or return policy. I explained to her she would have had to tell me the sale was final before I made the purchase not after. She said she would mail the scarf back to me when she received it and would not be issuing the refund. 
She did send it back and I received it again on XX/XX/XXXX. Once again, I did not open the package and mailed it back to her on the same day. USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX shows it was delivered to her on XX/XX/XXXX. She has not sent it back. 
I do not have the scarf nor has XXXX agreed to refund my {$850.00}. 
I am enclosing all of our email correspondence, pictures of the package both times I received it and mailed it back, and pictures of shipping confirmations when I mailed it back to her. 

XXXX  CONFIRMS THE MERCHANT ACCEPTED THE RETURN. 

THANK YOU, XXXX XXXX
Complaint sub-issue: Don't agree with fees charged

I have received a Federal Loan after coming out of the XXXX, I never used any Military Aid. I went to XXXX XXXX XXXX in XXXX XXXX Louisiana in 2000 for a few months. At this College they did not use the classroom, the labs, or computers which we paid for. We were not taught at the level of books we had. Most of the class quit the fist few weeks, and some people were fired. I dropped after the computer lab was not able to be used in a computer college, and required for the testing. 
I do not see how the loan of less than {$2700.00} was paid to the college and I was charged. 
I have been paying on and garnished a less than {$2700.00} student loan for 16 years. 
I have paid fees of {$100.00} a month, {$50.00} a month, {$32.00} a month. 
One time fees of {$97.00}, {$150.00}, {$32.00}. 
Garnished taxes of {$450.00}, {$300.00}, {$350.00}, XXXX Wages taken $ XXXX {$1500.00}? 
They say I still owe XXXX different loans of XXXX loan broken in XXXX of over {$1500.00} So when I pay somewhere in the area of & XXXX for {$2700.00} and still owe {$1500.00} plus dollars with monthly fees. Where is this wrong?
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed with this company back in XXXX the company is XXXX. They didnt send me any method of verification stating a original signed contract with my signature because according to Section 609 of the FCRA it has to be proof of a original signed contract with my signature. This company just continues to report this on my credit report and being that XXXX has so many names and addresses on my file I didnt sign up for this.Please reach out to this company XXXX to investigate.
Complaint sub-issue: Account information incorrect

# 1... I had a debt from XXXX XXXX XXXX that was sent to XXXX XXXX and I paid the debt off over the phone with XXXX she stated they would flag it for removal and I also sent Equifax a dispute to have this taken off my report and when my 30 days were up the debt still remains on my report and shows not paid. I have reached out to XXXX credit in XXXX VA and she has stated that it has ben flagged last month for removal but Equifax will not remove it from my report. This is causing me a denial when I apply and they keep dropping my score I'm very disturbed by this matter and it needs to be fixed immediately. 

# 2 ... Also XXXX  XXXX  keeps reporting a bad debt once Equifax removes it they put it right back on there I am a victim of IDENTITY THEFT and this also needs to be removed and blocked from re-issuing on my report. these have been removed from my other reports from XXXX and XXXX, I need Equifax to be diligent and stop this I should not have to keep going through this every month. I have worked really hard on my credit and I refuse to let Equifax or a fraudulent person or company cause me any more hardship. 
I have filed a theft report with FTC AND A POLICE REPORT.
Complaint sub-issue: Account status

One of my accounts ( XXXX ) is not showing on my Equifax credit file. I spoke with several XXXX agents in their credit reporting department and they assured me that they are sending the same information to all 3 credit bureaus. My account is showing on XXXX but not Equifax.
Complaint sub-issue: Information belongs to someone else

I am frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted XXXX, XXXX, and Equifax via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX  XXXX XXXX XXXX in the amount of {$550.00}
Complaint sub-issue: Other problem getting your report or credit score

Issue with : Equifax only Date : Ongoing Problem : Equifax has not updated my credit score or credit report since 2012. My Equifax credit score is 90 points lower than the other two major credit bureaus. I can not dispute or ask Equifax to update my credit report because their website stonewalls me, claiming I give them incorrect contact information. The same information works correctly with the other credit bureaus. 

Detail : When I attempt to access my credit report with Equifax, they tell me that my contact information doesn't match their records. This leads to an infinite loop : I try to update my contact information, and that yields an error message because my information doesn't match their records. 

My credit monitoring service shows that Equifax 's records for me stopped in 2012. 

I've tried using my contact information from 2012. That doesn't match their records. 

I've tried having them send a contact information update form via. post. Some weeks later, a letter from Equifax arrived. The letter states that they can not provide an information update form by post because my information doesn't match their records.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report I am disappointed because of these information still can be seen in there. I feel like I'm being taken advantage of for being ignored by my disputes. I'd informed you so many times that these items are apparently inaccurate and incorrect.
Complaint sub-issue: Information belongs to someone else

Discover knowingly closed this account because they know it was fraudulent this is not my account and I contacted them numerous times about this