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

Upon reviewing my credit file, incorrect items were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX; XXXX XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX ; XXXX, XXXX, XXXX; XXXX XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$62.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX  - XXXX ) XXXX Balance : {$420.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; CERTIFIED CREDIT REPOR XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX XXXX XXXX are reporting incorrect information on my consumer reports
Complaint sub-issue: Account status incorrect

I have been making on time payments with XXXX XXXX and it showing on all three bureaus XXXX, equifax and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.
Complaint sub-issue: Information belongs to someone else

equifax adn XXXX  XXXX data breach caused a XXXX XXXX XXXX to be placed on credit violates my CFPB, cra
Complaint sub-issue: Old information reappears or never goes away

To Whom this May Concern, I have noticed XXXX XXXX has reaged the account on my credit report. XXXX sold the debt to XXXX XXXX in XXXX. There is no validation of the original contract - the account is listed as a closed account/charge off. It's stating the last payment was made on XX/XX/XXXX to XXXX XXXX but I have never made a payment to XXXX XXXX and I've never signed a contract with XXXX XXXX and never opened an account with XXXX XXXX. This needs to be investigated immediately since this is fraud and I will seek legal action. Please remove this account immedately from my credit profile. I have uploaded my ID and proof of residence for your reference.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This date is over 90 days I have not received a response yet. I feel like I'm being taken advantage of and my dispute has fallen on deaf ears. Section 611 ( a ), it plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted immediately be deleted I am demanding that these accounts deleted at once or I will file for litigations due to the stress you caused me. My information was also impacted by the equifax data breach. and may have gotten in the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit. 

XXXX XXXX XXXX - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX US BANK - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$560.00} Opened XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}, and XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

I have been a Victim of ID Theft and multiple Inquiries are reporting on my Equifax credit report from XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XX/XX/XXXX. I have enclosed a letter with the dates of each occasion. I have contacted Equifax explaining the situation and they have referred me to XXXX to have the fraudulent inquiries removed. I contacted XX/XX/XXXX and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.
Complaint sub-issue: Information is missing that should be on the report

Credit reporting unassociated names and addresses that I have never lived at. Bank accounts missing payment history of which is crucial to the credit reporting itself and the reporting agencies will not correct the problem.
Complaint sub-issue: Talked to a third party about my debt

I have no knowledge of this debt. This debt was recently placed on my credit report. I was not notified properly of this debt before been placed in collection. This is a violation of my rights. Company is now close but debt continues to be sold to several collection agencies.
Complaint sub-issue: Funds not received from closed account

I am a XXXX XXXX. The only business transactions I have are receiving my salary and sometimes buying home office supplies. I do not sell any products or anything of that nature. I just work on a XXXX basis. I have been using my N26 account for months as my primary checking account. I applied for a SBA eidl loan and put the N26 account down as the disbursement account because it is what I normally use for day to day transactions. However, I read my terms and conditions and saw the account can not be used for business purposes. To me, I don't use it for that, I use it to collect my salary and pay for our household needs. But I asked the SBA to change the account. They dispersed the loan before making the change. N26 returned it as fraudulent without even contacting me. I worked with the SBA to have it resent to my brick and mortar bank account. On XX/XX/20, N26 sent me a letter saying I was in violation of their terms and they would be reviewing my account to ensure I wasn't using it for business. I thought this was fine, because I haven't used it for those purposes, and I had explained to customer service that I tried to have the loan sent elsewhere. On XX/XX/20, I went to use my card, and it said it was disabled. I received no email. I talked to customer service. They could provide no information other than saying it was under review and I can not access my money during that time. All I wanted to know was how my money would be returned to me. They could provide me with no contact information and basically said we can hold your money as long as we want and you can't even speak to us about it. They ended my ability to chat with them. I have no way to contact them and they have over {$1600.00} dollars in the account. At this point, I don't trust them because what bank doesn't allow you to communicate with them while they are holding your money. I just want to know how to access the rest of the funds they are holding. I already changed my direct deposit.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act i believeXX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Complaint sub-issue: Debt is not yours

I have mailed letters to Vance & Huffman LLC ( on XX/XX/20 ) as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my physical signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. I spoke to the original creditor and was told that I have a {$370.00} balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act. 
They have been sued in federal court for violating consumer 's rights while collecting on alleged debts. Among the numerous alleged violations, Vance & Huffman
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX Below is the requested documentation for my personal identification
Complaint sub-issue: Debt is not yours

I am receiving debt collection notices from NPAS Solutions LLC. 
There is a number XXXX to call. But when I call this number they say this is not correct number. 

The debt is about a Medical Bill from XXXX XXXX XXXX XXXX for {XXXX} ( service date XX/XX/2020 ). Which they say I need to pay. Although this bill should have to gone to my insurance company. They did not sent it to insurance company even though I provided them with my insurance information. Now they say then can not send it to the insurance company because it is very old. 


Thanks, XXXX
Complaint sub-issue: Not given enough info to verify debt

ROSSMAN & # XXXX reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was # XXXX This is a error and needs to be updated.
Complaint sub-issue: Didn't receive notice of right to dispute

I initiated a dispute with the company ProCollect , Inc on XX/XX/XXXX about the validity of debt and then about settling the debt and getting it removed off my credit reports on XX/XX/XXXX to no avail. I've tried to email and get ahold of a Mr. XXXX but I'm not having any luck. It is now XX/XX/XXXX and I'm still not getting anywhere with this company. I've mailed out a dispute letter 3 weeks ago to settle this debt and no response from this company. I want this account removed from my credit reports now! They agreed to remove the account after several disputes and complaints last year yet the account is still reporting. The account # is XXXX. I attempted to call a Ms. XXXX at the number XXXX ext. XXXX on XX/XX/XXXX but I didn't get a chance to speak to anyone. I called the customer service number and asked to be transferred with Ms. XXXX and the call was dropped. I want this account removed from all credit reporting agencies and I need something in writing stating they will remove the account. Thank you!
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I submitted a letter to the 3 credit agencies known as Equifax, XXXX and XXXX. As of today XX/XX/XXXX, I have yet to hear from XXXX. I heard from Equifax and XXXX. They deleted some of the incorrect information ; however my credit report is still inaccurate. As a result, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Again I mailed these letters on XX/XX/XXXX and I have yet to hear from XXXX. Therefore I am asking that they delete all of the accounts that I inquired about. I have enclosed parts of my credit report to show the inaacuracies that are still being reported. 

Exhibit A The past due amounts are clearly incorrect. XXXX is reporting that {$65000.00} is past due and XXXX is reporting that {$140000.00} is past due. 

Exhibit B The circles represent all of the inaccuracies. In regards to the payment history, Equifax is reporting that the account was charged off starting XX/XX/XXXX. However, XXXX is showing that the chargeoff started XX/XX/XXXX. Also all 3 of the agencies are reporting that the balance due total is XXXX. However, I am receiving letters from XXXX stating that the balance due is {$12000.00}. XXXX  has been harrasing me about a balance due when clearly the due balance is XXXX. 

Exhibit C XXXX is reporting that I have no payments on the account under payment history. However, XXXX is reporting that I started making payments in XXXX of XXXX, This information is inaccurate. Also please keep in mind that Equifax deleted this account because it is inaccurate. 

Exhibit D Equifax is reporting that this account was paid on time starting XX/XX/XXXX and was charged off starting XX/XX/XXXX. XXXX is reporting that this account was paid on time starting in XXXX of XXXX and charged off in XXXX of XXXX. This is clearly inaccurate. Equifax is showing that the account was paid on time in XXXX of XXXX but XXXX is stating that it was charged off by then. XXXX is stating that I made no payments on this account which clearly contradicts everything
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting a current balance of {$1000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was turned back in per the terms of the agreement. There is no outstanding balance due. Please update and/or remove this line item from my credit report. This false reporting of a balance due is harming my credit score. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX ADD THIS TO THE FTC ATTACHED PLEASE e FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the Navajo Nation Human Rights Commission spurred the FTC to take action which began in XXXX of 2018.
Complaint sub-issue: Debt was result of identity theft

This debt don't belongs to me.It was a product of identity theft and I demand that it be block and or deleted from my consumer report. 15 U.S.CODE 1681c-2 Block of information resulting from identity. 
This is my second complaint with this company [ XXXX XXXX ] about the same issue. 
XXXX # XXXX. 
XXXX {$9000.00} This is a fraudulent Account made by someone other then me.
Complaint sub-issue: Card opened as result of identity theft or fraud

I've filed a dispute with XXXXXXXX XXXX XXXX XXXX where I have been XXXX  in the XXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Where I am XXXX  at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX  number is XXXX. I looked on my credit report, I seen a account from XXXX that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX  XXXX  Identification with my Social security card. which could've all been verified by the XXXX  XXXX XXXX had this company did a proper investigation into this matter. Where they never responded to my dispute letter mailed back in XX/XX/XXXX. First of all for these reasons if I have been XXXX  for the past XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

CFPB I am filing this complaint on Equifax Credit Bureau because they are violating The Fair Credit Reporting Act Section 1681b ( c ). I sent Equifax two certified dispute letters because there are some unauthorized inquiries on my credit file that I did not authorized. My first dispute was on XX/XX/XXXX and my most recent dispute was on XX/XX/XXXX. I contacted these creditors and they couldn't provide me a permissible purpose so I disputed this back with the credit bureau on XX/XX/XXXX and received the same dispute results that these inquiries are a factual record of file access. CFPB i contacted Equifax and ask them to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry and that rep. stated they can not dispute a inquiry because they are factual of statements. I also told that rep over the phone that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 that rep stated the same thing and said I'm sorry I can not dispute credit inquiries because they are factual of statements and also have that conversation recorded. I will upload the second dispute letter of the unauthorized inquiries and the results from Equifax.
Complaint sub-issue: Account information incorrect

PLEASE READ THE REASON FOR MY COMPLAINT* 1. Date Open is inaccurate - Company is reporting different dates on different credit bureaus. 

2. Company is RE-AGING THE ACCOUNT!!!!!! 
- Attached is a copy of XXXX on my credit reports this year on each report there is a different date. The last report they RE-Aged the account 2YEARS!!!!!! 

FCRA Violation!!!!! 


3. Company has not verified the account!! 
- No documentation has been provided with accurate information.
Complaint sub-issue: Information belongs to someone else

HELLO, EARLIER THIS YEAR WHILE CHECKING MY CREDIT I NOTICED A BUNCH OF RANDOM ACCOUNTS ON MY PROFILE, NEVER APPLIED OR EVEN HEARD OF THESE COMPANIES. I DISPUTED WITH THE COMPANIES AS WELL AS THE CREDIT BUREAUS. MY PURSE WAS STOLEN RECENTLY SO I CHECKED MY CREDIT AGAIN, JUST TO FIND THAT THEY ARE STILL REPORTING EVEN AFTER DISPUTING AND PLACING A FRAUD ALERT AND EVEN MORE ACCOUNTS APPEARED. THIS IS VERY FRUSTRATING. I CANT EVEN GET AN APARTMENT TO LIVE FOR ME AND MY XXXX. PLEASE PLEASE HAVE THESE ITEMS REMOVED IMMIDIATELY FROM MY REPORTS THEY ARE FRAUDULENT!
Complaint sub-issue: Their investigation did not fix an error on your report

I have emails and recorded phone calls dating back to 2017 proving retaliation, abuse of authority, refusing to remove fraudulent information from my credit report, failing ( refusing ) to provide updates on status of investigations. The Office of Consumer Affairs, in XXXX, GA, has discriminated against me. The staff is unprofessional. They have intentionally refused to remove fraudulent information from my credit report. 

I am specifically requesting an agent with CFPB contact me to investigate Equifax, and specifically its Office of Consumer Affairs. The XXXX American customer service representatives : XXXX, XXXX, XXXX, XXXX, XXXX, and others have violated my rights since 2017. Theyve continued to allow companies like XXXX XXXX and others to put fraudulent collections on my credit report. These customer service representatives will put fraudulent addresses BACK on my credit report that have been previously disputed and removed. 

The prejudice, discrimination and racism Ive endured since 2017 by the Office of Consumer Affairs has taken a toll on my health. Im under extreme duress by their continued attacks. They use their positions with Equifax to appear that theyre following the law and responsibility of the office, however, they are not. They are bullies. They are quietly and discretely attacking my credit report and credit score. 

Currently there are 3 hard inquiries on my credit report that were not requested by me. I did not authorize these inquiries. There is currently 1 fraudulent collections item from XXXX XXXX  on my credit report. I have been reporting fraudulent collections actions on my credit report for 3 years consistently. I am consistently dealing with the same customer service representatives in the office of Consumer Affairs. For the past 3 months Ive been fighting to remove the fraudulent collection action by XXXX XXXX. Equifax has merely relied upon a statement submitted by XXXX XXXX  that the debt is valid. There was no evidence that submitted proving that the debt is valid. This type of action, by XXXX Office of Consumer Affairs has taken place since 2017. 

The actions of the Office of Consumer Affairs via Equifax are harassing me. Their conduct should be illegal. When I contact Equifax, when my social security number, address, and date of birth are verified by representatives in another country, I am always transferred to the Office of Consumer Affairs. There is something in Equifaxs system that requires me to be sent to the XXXX Office of Consumer Affairs. 

Regards, XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

XXXX and Citi Bank choose to automate their responses and limit their options and communication. It's frustrating to use a touch tone phone and not get the assistance needed. The lack of conversation is outrageous. Nothing is black and white especially when it concerns credit. 

Please address this.