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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

Spoke with XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Complaint sub-issue: Their investigation did not fix an error on your report

I tried getting this issue resolve directly with equifax, equifax has failed to investigate this issue or remove those accounts i am a victim of identity theft i have submitted a FTC report and proof of my identity
Complaint sub-issue: Reporting company used your report improperly

Citi Bank is reporting an inquiry on my credit report. I did not approve of them putting this on my credit report. This is unfair. 

An inquiry should only happen for the following reasons : 1.Insurance ( they are not an insurance company ) 2. Court Order ( we are not nor have we been involved in court proceedings ) 3. Employment ( I have never applied for employment ) 4. Firm offer of Credit ( they have never given me a firm offer of credit )
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out XXXX rounds of dispute letters to the XXXX credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me XXXX contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX, I sent Citi Bank a certified letter with a settlement offer in the amount of {$1000.00}. I explained my current financial situation and included terms that if the company accepts my check by cashing it they would agree that my account would be paid in full. The settlement check was cashed and now they fail to honor the terms. Prior to me sending this check my account was in a positive status and had never been late. My account has been reported as last to the Credit Bureau. Since XX/XX/XXXX I have been receiving numerous collection calls threatening legal action against me. I acted in good faith, but it appears that your company chose to act in a deceptive manner.
Complaint sub-issue: Information belongs to someone else

Consumer background check was requested. Upon review a name other than my own was shown to on the report. Everything was identical to my information other than the first name.
Complaint sub-issue: Problem making or receiving payments

On XXXX XXXX I had Investor 's Bank, XXXX XXXX, N.J. withdraw {$6400.00} from my savings account and make a certified check out to XXXX XXXX Visa. XXXX claims this check was never received and is now missing for over 5 weeks. Investor 's REFUSES to put a STOP payment on this check UNLESS XXXX signs a form saying it wasn't received. XXXX customer service told Investor 's Bank manager XXXX XXXX they WILL NOT SIGN ANY FORMS. INVESTORS now refuses to put a stop on this certified check and reimburse my account. I want a stop payment put on this " missing '' {$6400.00} check and my account reimbursed ( I will do an electronic transfer in the future ). 

XXXX XXXX Investors Bank. XXXX XXXX ( tel. )
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

The computer was returned back to the store and management refuse to credit the merchandise. The store manager decided to attach the file amount owed to make me pay for a computer that was returned. This created a bad relationship between myself and Conn 's Department store.I truly tried to resolve these debt 's with Conn 's management.
Complaint sub-issue: Received bad information about your loan

I have received information from a debt collector about a student loan I never received. this collection agency AllTRAN EDUCATION , INC, XXXX XXXX, XXXX OK XXXX, PH : XXXX, FAX:XXXXXXXX has interrupted my Federal income tax many time for collection of this unknown debt I have incurred. I have viewed the document ( promissory note ) and the signature is not mine, but a forged signature of my name and a forged description of my social security number. The date that is stated of such signing is a date that my actual accountability can refute.
Complaint sub-issue: Information belongs to someone else

There is a collection from XXXX XXXX for {$2400.00} that has been showing up on my credit report for a couple of years now that I have been disputing. I was staying with my sister during this time frame.
Complaint sub-issue: Report improperly shared by CRC

I did everything I can do to work thing out with Equifax for changing the comments and the payment history cause a negative change it my credit report. That little change cause a big change on my credit report and I clearly sent over the documents to prove what happen to my account and Equifax did nothing to help me. Equifax open up a new dispute that can take 30 to 60 days. Taking me out of business I can not believe this just happened to me. I ca n't sleep eat I am about to lose everything I work because of this. All I ask was to remove the account until XXXX responds back to your dispute. Why do I have to suffer. I even open up a case with the Attorney General I might have to get legal help to get threw this. Equifax you 100 % made this error I ca n't believe you did not help me and I sent you over all the proof. Account changes, credit score changes with dates what else do you want from me. I attached the dispute that Equifax just open up and also proof I made a compliant to the Attorney General. I feel like I am in a nightmare and can not wait up. 6 years down the drain.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : ATTORNEY GENERAL-CHI XXXX XXXX : {$6200.00}
Complaint sub-issue: Received bad information about your loan

I had student loans for my XXXX XXXX XXXX. I started working in government in XXXX. I finished my XXXX  in XXXX. I was told I had to consolidate my loans for XXXX. I was told it would not affect my Public Loan Forgiveness. It did. It restarted over when I consolidated and I lost roughly 2 years of qualified payments. I called the loan servicer and told them they TOLD me this was what to do and it would not affect anything and they said basically too bad, it's now a new loan so I had to start over. I would be much closer to forgiveness if those payments would have counted like they should have! This is unfair and deceptive.
Complaint sub-issue: Debt is not yours

Disputed twice currently XXXX dispute XXXX as of XXXX separated told XXXX XXXX divorced XXXX was not at that address at all since XXXX this is not my bill {$210.00} XXXX XXXX now it is in collections which affects my credit report me and my x just completed bankruptcy court now this!!! I did not make this bill XXXX XXXX {$210.00} said so twice to XXXX XXXX must been signed in my name I refuse to let this affect my credit report after going thru bankruptcy please help!!!
Complaint sub-issue: Debt is not yours

Selene Finance foreclosed on my property as I requested in the previous CFPB Case thanks to your help. They sold the property on XXXX XX/XX/2017. But since that date, they left the account in limbo. They report the account is open to all three credit agencies with {$1.00} as the balance. It has been months with no resolution. The information I gathered is all by phone and the company refuses to send me information via mail regarding the status or future of the account.
Complaint sub-issue: Account status incorrect

My account was reported 30 days late I was twice I have never been late with my auto account I have reach out to bb & t many times submitting my reference # exc showing that it was an inaccurate reporting they was suppose to rectify the error which it still shows and its preventing me from closing out a deal.
Complaint sub-issue: Reporting company used your report improperly

There were letters sent off via mail on XXXX XXXX. I advise the credit bureaus to investigate every piece of information on the accounts Also. I have attached the certified tracking numbers. They stated my accounts were verified but how is that possible if they didnt do a proper investigation according to the law. Every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate.

15 U.S.C. 1681 section 602A 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. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court complement jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Privacy issues

When : XX/XX/2020 How : emailed, called Elan numerous times. Also contacted Fidelity numerous times. 
Who : Elan Financial Services What : Consumer Privacy issue, Elan Financial Services incorrectly determines recurring charge merchants without consumer permission, does not allow consumers themselves to update this list, and Elan itself can not update/correct this list, either. 

Please see my email to Elan below. 
-- Hi, I have a Fidelity credit card via Elan. 

Recently I find out that your company software or system automatically identify certain merchants as recurring, i.e. they can incur recurring charges. This is completely false, and without my permission. Most of these merchants do not have intention to impose recurring charges, either. This is purely your software or system making the wrong choice without our consents. This is illegal as it does not have my permission. 

The issue is getting worse in which, I just found out, no one can update this recurring charge/merchant list, as I found out while on the phone with Elan customer service now. I am informed right now that they can not update this list, either. 

I urgently request you either allow me to update this list, or remove this feature completely from your system. 

Should this not be done within 30 days, I will have to file formal consumer complaint to appropriate bureau and agency as this feature violates my privacy, allows merchants to impose recurring charges to my credit card without my permission. 

Regards,
Complaint sub-issue: Debt is not yours

Received a collections bill that I know nothing about.. have never received a bill and the company said it dates back to 1996.. company told me to call you guys
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

Citi bank emailed me on XX/XX/XXXX that they had closed my credit card account due to inactivity without having informed or warned my prior to such action. I called them and they told me they had sent me a letter one year ago urging me to use the card more but making not mention of possible closure of the account. I asked them to reopen the account ( this is my oldest account ) and they made me undergo a credit check again. This has implications on my credit score which is unacceptable since the bank failed to communicate with me their intention ( and/or policy ) to close the account, or receive my prior authorization for such action. They also failed to remedy the situation once contacted.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

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: Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Complaint sub-issue: Personal information incorrect

Equifax keeps adding back fraudulent addresses. I have requested now 4 times to remove the addresses marled as fraud and they keep reporting them back to my credit profile.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX  XXXX {$7800.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : equifax Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Complaint sub-issue: Reporting company used your report improperly

I was affected by the security breach at Equifax and am vet angry. I want credit monitors for my life time and not just one year. Any criminal will wait it out one year and then I am at risk. This is wrong.
Complaint sub-issue: Information belongs to someone else

I have a Hard Inquiry for a request for Credit I DID no authorize from a division within XXXX   XXXX XXXX. Additional there is no contact information in my credit report to directly dispute with the company that entered the data. ( under FCRA law this should be there. classified as " missing information '' )
Complaint sub-issue: Frequent or repeated calls

Very abusive debt collector with profanities would not stop calling even when told the company no longer exists. 
XXXX XXXX XXXX CST
Complaint sub-issue: Their investigation did not fix an error on your report

Fedloan has and is still reporting inaccurate late payments on two of my 8 student loans. All of which, are linked to the same account and repayment plan. I have always been on the income driven repayment plan since I have been out of school. My payments are {$0.00} per month and have always been. They are reporting inaccurate payments owed per month, interest, account balances, high balances, and refuse to correct the inaccurate late payments on two of my student loans. I have requested proof via letter to XXXX and never received anything.
Complaint sub-issue: Investigation took more than 30 days

HAVING A PROBLEM WITH XXXX  AND EQUIFAX REMOVING ACCOUNTS THAT I HAVE FURNISHED INFORMATION THAT SHOWS THAT THESE ARE NOT MY ACCOUNT
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
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 accounts 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 accounts 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 is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} 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: Frequent or repeated calls

They are calling every 3 hours. I have an app that says its Citibank robocall. I dont have a Citibank account. They have called 3 times today since XXXX XXXX. They also called several times last week
Complaint sub-issue: Threatened arrest/jail if do not pay

Was told I would have to appear in court with no date specified also the agent and I quote " good luck in court '' and then hung up ... At the age of XXXX I did not have a credit card with a XXXX credit limit which I tried to explain to him and at that point is when he hung up on me