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

This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under Equifax XXXX XXXX, but reappeared and is reporting negative again. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. Moreover, they've violated my consumer rights ; specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff or ( XXXX  ) days late on the XXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX AUTO XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -
Complaint sub-issue: Trouble using the card to spend money in a store or online

After the COVID-19 pandemic, PA Unemployment issued monetary assistance ( PUA ). This was issued in the form of a debit card ( USBank Reliacard ) managed by US Bank. The card was functioning until XX/XX/XXXX when my account was flagged for fraudulent activity. I was not notified nor did their app/website have any useful information on what to do. My first few attempts to contact costumer service the number on the back of my card would fail every time, after doing research I finally found a number that I could get through to someone. They explained they just needed me to upload documents to verify who I am. After uploading my Social Security Card and State Issued ID to their website and waiting 48hrs ( which is how long they told me it would take to verify my identity ). After waiting the 2days I called back and was informed that my since the billing address on my ID was old I would also need to upload verification of my current address, and so I did and waiting another 48hrs. Upon calling again I was told that they could not view my documents because the file was not in PDF So in order for them to view my documents I needed to re submit my documents as a PDF file instead. Again after 48hrs I called back. This time finding out that I needed to Fax my documents. At this point in time multiple bills I had connected with my Relicard have been declined, I have XXXX XXXX   in which I take care of in need of food, school supplies, and basic essentials. After once again waiting another 48hrs I called back and all I was told is that there was no message for them to unlock my account and that I needed to wait 4-5 business days. When I heard this information I asked to speak to a supervisor who said that he can put in for my account to be viewed faster. Now it is XX/XX/XXXX, costumer Service has been no help, the Supervisor has been no help. There is no email for Reliacard and no other way to contact anyone who could possibly help and/give me information as to why this has happened. USBank has stolen my money, gave false Guarantees and put me and the 2 children I care for in a situation were we can not get access to basic human needs for nearly a month now, during the COVID19 Pandemic.
Complaint sub-issue: Account information incorrect

PROGRESSIVE MGMT systems has yet to remove two medical accounts from University XXXX XXXX which is XXXX years old and was the insurance XXXX responsibility to pay and neither progressive mgmt nor XXXX showed XXXX or me how they arrived to the amount.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.
Complaint sub-issue: Information is missing that should be on the report

Their is an account showing with no creditor to be able to validate the debt. This is a violation of my consumer rights and it should not be reporting. 

Account number XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

Every year since  XXXX ,  XXXX  charged me for software automatic renew service, I disputed with them successfully for 3 years consecutively, I disputed the same charge successfully in year  XXXX ,  XXXX ,  XXXX . This new year  XXXX   XXXX  charged me again on citi dividends master card automatically for no reason, I had discontinued the  XXXX  software service since  XXXX . By now they still charge me this every year! And cities bank card still try to collect more money beyond the   XXXX   XXXX   XXXX   charge, they add delay fees etc. It is ridiculous!!!        XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX and Equifax both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX XXXX  Visa Credit Card : XXXX is lost/stolen. All of the transactions listed from XX/XX/2021 to XX/XX/2021 for {$400.00} is all fraudulent charges and transactions. My card is lost/stolen with fraudulent transactions.
Complaint sub-issue: Debt is not yours

IC System Inc. has violated my right to privacy by communicating this alleged debt with consumer reporting agency XXXX ( Pursuant to 15 USC 1692c ( b ) ). IC System Inc having reported this alleged debt to XXXX has caused harm to my reputation and is defamation of character. ( Pursuant to 15 USC 1692d ( 1 ) ) This company sent sent an Affidavit of Truth, Cease & Desist with specified remedy, and an invoice on XX/XX/2021 and sent vis certified mail with return receipt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Trying to rebuild my credit score download of XXXX XXXX look at it everyday get alerts noticed on XX/XX/2019 cbna for the hard inquiry and I'm wondering how can that be since I don't know who they are where they are and I didn't apply for?
Complaint sub-issue: Their investigation did not fix an error on your report

I currently have an ongoing dispute with Equifax due to their inability to show accurate information on my credit report compared to the other two agencies. Equifax has since been in the news regarding allegations I alleged in my previous complaints associated with my credit report. Since monitoring my report in XXXX of XXXX, I had a score that was in range with the other two reporting agencies, and since XXXX of this year, my score has dipped by 25-30 points compared to the other two agencies. Plus, Equifax will drop my score by at least twenty-five points compared to the other companies that might have it drop by XXXX points for an inquiry. Plus, since having made several payments on time with my credit cards that are not the best, Equifax will list payments late while it will report to the other companies on time. I have a small business, and Equifax gives an XXXX grade with the same information reporting to XXXX, who gave me a XXXX rating for a business with the same reporting information with credit. Equifax lags behind the other two agencies with reporting information accurately, and I did receive a denial letter for working capital, and it stated that it was due to missed or late payments and derogatory neighborhood for the denial of working capital information was provided to the lender from Equifax. There are concerns with the reports but nothing as blatant as the incorrect reporting of information as it appears with Equifax. 

Please, I have a daughter whose name is XXXX XXXX XXXX, and there have been several attempts to merge the files again with her previous addresses to mine. Her birthday is XX/XX/XXXX, and mine is XX/XX/XXXX. Her name is XXXX XXXX XXXX, and she is XXXX XXXX XXXX. I am XXXX XXXX XXXX her name is not an alias for me ; she is my daughter.
Complaint sub-issue: Information belongs to someone else

There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX 2017 I sent a validation letter to Enhanced Recovery Corp they recieved itXX/XX/XXXX 2017 on the behalf of XXXX. I ask in the valdation letter for them to send me a signature of the contract and validated the debt the say I owe. The sent me a bill of the phone useage from XXXX themselves. I then sent 2nd letter tell them this does n't validated an debt an to remove this debt of my credit or I will be force to take legal action I sent the 2nd letter onXX/XX/XXXX 2017 giving them an additional 5 days business to validated the debt they recieve that letter on XX/XX/XXXX 2017 it is pass the debt but they have recently reported a new collection on my credit onXX/XX/XXXX 2017 but having validated my debt
Complaint sub-issue: Their investigation did not fix an error on your report

As of XX/XX/XXXX, there are inaccurate items reporting on my EQUIFAX credit profile. I am asking that CFPB investigate Equifax for failure to protect my consumer rights. Equifax 's actions are clearly illegal as described in the information listed below. 

How can Equifax state that it has completed its investigation, including contacting the furnisher of the information, where applicable, and not provide me the exact details of their communication and validation information received? 

A summary of the discrepancies listed on my Equifax credit report are listed below : Trade : XXXX XXXX XXXX - balance {$13000.00} EQUIFAX states that this information was verified and belongs to me. EQUIFAX also states it verified the information is reported correctly. How is it possible that EQUIFAX missed the double reporting of debt on my credit profile? There is a collection account on my credit report listed by XXXX XXXX XXXX for {$10000.00} listing the original creditor name as XXXX XXXX XXXX. The XXXX XXXX XXXX account states it was opened on XX/XX/XXXX. The XXXX XXXX XXXX Payment history lists their account as " late '' during the months of XXXX XXXX. The XXXX XXXX XXXX account lists the responsibility as an individual account while XXXX XXXXXXXX XXXX lists the responsibility as a joint account. 
Once again, how is it possible that EQUIFAX reviewed my credit report and investigated my concerns, and completely overlooked this major issue? According to fair reporting practices, if the original creditor sold the debt to a collection agency, it should not continue to report a balance owed. PLEASE DELETE THE ALIVE CREDIT UNION INFORMATION AND PROFESSIONAL DEBT INFORMATION AS THEY BOTH ARE NOT ACCURATELY REPORTED ON MY EQUIFAX CREDIT REPORT. 

NOT AUTHORIZED INQUIRIES : PLEASE DELETE! 
Inquiry : XXXX - XX/XX/XXXX Inquiry : FACTUAL DATA - XX/XX/XXXX Inquiry : XXXX  - XX/XX/XXXX Inquiry : XXXX XXXX - XX/XX/XXXX Inquiry : XXXX XXXX, XXXX - XX/XX/XXXX NON REPORTING DISPUTES Trade : XXXX XXXX  THE DISPUTED ITEM IS CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I received a notice of cancellation from the insurance company providing my Homeowners policy. The reason stated was that they reviewed my claim history from the Comprehensive Loss Underwriting Exchange ( CLUE ) database provided by LexisNexis. The cancellation notice contained a record of a claim for water damage that I did not recognize. On XX/XX/XXXX, I contacted LexisNexis and was told that a new claim for a loss that happened on XX/XX/XXXX was added to the database under my name. After further review, it was clear to the LexisNexis clerk and myself that this was an error since this claim belonged to a person with a similar name but lives in a different state and was insured by XXXX XXXX XXXX XXXX  XXXX which I have never done business with. I filed a dispute to have this record removed and a request for a report of all my records. On XX/XX/XXXX, LexisNexis sent me a letter stating they had verified that their claim information was correct for this dispute. I immediately called and initiated a new dispute but i have to believe that little to no effort by LexisNexis was dedicated to adjudicating this dispute since it is obviously a different person with a different SSN. 

Relative to the report request I made, LexisNexis sent me a letter which I received on XX/XX/XXXX with a URL to access my CLUE information. The number of records in this report and the amount of inaccuracies was stunning. The report has these sections : Identification Records, Address Characteristic Record, Phone Records, Business Association Records, Online Marketing Records, Property Deed Records, Property Assessor Records, Insurance Policy Records, Automobile Insurance Claim Records, Property Insurance Claim Records, and Inquiry Records. Within these sections there were over 65 areas where the information was incorrect and obviously related to other people with a similar name. On XX/XX/XXXX, I called LexisNexis and disputed all approximately 65 inaccuracies. The other cause for grave concern was the amount of Personally Identifiable Information ( PII ) that LexisNexis is exposing when they provide reports intermixed with different individuals information. This report has SSNs, email addresses, cell numbers, addresses ( both past and present ), spouse names, policy numbers, mortgagee, etc. This is extremely sensitive information that should be addressed by CFPB to ensure that LexisNexis implements better protective measures with this information in the future.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have an active Citibank issued credit card account with Best Buy that I have maintained in good standing for 5 years. I use the credit card on a regular basis. On XX/XX/2021, I visited Best Buy # XXXX in XXXX MD and planned to use my Best Buy CC account for a purchase. The employee who assisted me informed me I needed to verify and update some of the information on file for the account, including my income and address. I was told this was a regular SOP that best buy did on credit card accountholders. To verify my identify the best buy employee asked for my social security number- I re-stated that I already have a Best Buy credit card and wanted to make sure he was only updating my income and other particulars on the account, I did not need a new, second Best Buy credit card account. The employee confirmed my statement- and assured me the SSN was only required to update my account information. 

The following day, XX/XX/XXXX, I received word from my credit monitoring subscription that a hard inquiry had been added to my credit report due to a new credit account request from Best Buy-Citi. I contacted Citibank who advised me that a new credit card account was initiated by Best Buy on XX/XX/XXXX. I spoke with Citibank Disputes office asking that the hard inquiry be deleted from my credit report. On a subsequent call, Citibank referred me to Best Buy since it was Best Buy that initiated the transaction, and Citibank is only the CC issuer. I visited Best Buy in XXXX on XX/XX/XXXX and spoke with a manager, XXXX XXXX, who referred me back to Citibank to since Citi is the bank of record and card issuer. Then I recontacted Citibank who restated that resolution of the issue falls to Best Buy since their employee initiated the unauthorized event. 

I did not consent to having my credit report checked and for no reason would I have needed a second Best Buy credit card, when I already have an Best Buy credit card. The Best Buy employee on XX/XX/XXXX misled me and performed a credit inquiry without my consent. Efforts to gain resolution with Citibank and Best Buy since have been unsuccessful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unreconized credit inquires i did not allow are the following XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXX XXXX  Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$720.00} Creditor Classification Retail Amount {$720.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

RE : Unauthorized Accounts/Inquires To Whom It May Concern : I recently reviewed my credit report and found unauthorized Accounts/Inquiries that are attached to this letter. I disputed these accounts on XXXX they came off due to violations listed on the bottom of this page. I would like to see the same for XXXX & Equifax. 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4XXXX XXXX XXXX  I have these three negative accounts on all three credit Bureaus. I've disputed an account from XXXX XXXX XXXX & two accounts from XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) Equifax ( XXXX XXXX ) XXXX ( XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX ) I have inquiries from on my credit report that did NOT get my written instructions & I have the right to privacy and confidentiality under 15 USC 1681. In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Personal information incorrect

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXXXXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX T XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7. XXXX XXXX