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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem with convenience check

In XX/XX/XXXX, I received convenience checks to draw on my US Bank Visa card. They were offering good terms, 3.99 % fee, 0 % interest until XX/XX/XXXX. I called the bank to verify that the checks were valid, and to check my credit limit. ( {$32000.00} dollars according to the bank ) They assured me the checks were good to go. Over the next 1-2 weeks, I wrote three checks, # 1- {$15000.00} # 2- {$12000.00} # 3- {$6000.00} dollars. I was subsequently informed that US Bank denied payment on all three checks. This has caused me to incur returned check and overdraft fees, and to spend hours on the telephone with representatives from US Bank. They are non-apologetic and refuse to help with the fees, even though they admit that it was their mistake. I am asking that US Bank refund all my extra incurred fees, and that you fine them for their poor business practices and lack of consumer protections.
Complaint sub-issue: Public record information inaccurate

Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX 2017, Lien Notices are required to be removed from Personal Credit Reports.The change by Equifax, XXXX and XXXX which took effect XX/XX/XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked Equifax, XXXX and XXXX, to remove these notations -- from my Credit reports -- theses notations are still there.
Complaint sub-issue: Debt was result of identity theft

Okay, again, this is in rebuttal to the very offensive response to previous complaint #  XXXX .   So ... ..now I get the fraud kit and affadavit! It would have really been fine to just send me the information, especially when I first contacted you all back in  XXXX   WITHOUT  the continued attack on my credibility and having a passive aggressive stance in your language in response.     Funny how when I started this process, nobod y at TBI eve n suggested or tried to get this for me to help me out. Instead, it was a bunch of continuous grief, pulling teeth to get answers of which I never got because I could never get the purchase receipts or signed transactions indicating who exactly made purchases on this account ... and ... .subsequently paid on the account.     I will submit the information as asked for by your company but I still keep asking the question over and over, " why was n't this suggested a long time ago? '' Lastly, and again, the language and offensive response is stil l one of calling  me a liar and suggesting that whoever is responding to these complaints should be reviewed for ethical conduct and at minimum, be required to attend some sensitivity training and ethical conduct continued education. It seems this person seems to believe that he/she knows more about my life than I d o. TBI should  either examine who they hire and who is entrusted to handle these complaints or do a deeper review and analysis of their company culture as a whole. I would suggest running all communications through your legal department and have someone more qualified than this person, make the next communication.     Therefore, this complaint i  s aimed directly at this individual in hopes that it does catch the attention of someone at TBI who should be paying attention. If this is the way that TBI handles their communications, well then, it is quite easy to see why they are on the target list for so many complaints and unethical and unprofessional behaviors.
It should never be commonplace to attack the credibility of a consumer REGARDLESS of what a rogue individual 's opinions are or of what the culture of TBI supports in regard to this behavior. Therefore, it is my belief that it must be the overall culture of TBI due to the fact that an individual like this is left unsupervised to respond with this kind of attack and not be ashamed or even fearful of legal consequences.
As mentioned, please have someone with a better understanding of sensitivity and professionalism contact me on the next response.
It is my hope that CFPB is paying close attention to this thread!
Complaint sub-issue: Didn't receive advertised or promotional terms

On XXXX XXXX 2017, I applied for the citibusiness aadvantage credit card based on an advertisement from citibank that I would receive XXXX XXXX XXXX miles once I spent {$3000.00} on the card within 90 days. I was approved for the card but upon calling to activate the card I was informed that I did not qualify for the promotion because I had the same card product within the last two years. This is not true ( I have not had the card in the last 2 years ) and this fact was confirmed by the representative on the line who looked at my card history with Citibank. I was told that a request would be submitted to the promotions department but since then, after five separate calls ( speaking with, among others, XXXX, XXXX, and XXXX ( XXXX ) Citi has not been able to provide me with any evidence that I have ever had a card with Citi in the last two years that would disqualify me from this promotion. I believe that Citibank should honor this promotion and extend the qualification period so that I have the full 90 days to spend the required {$3000.00} on the card.
Complaint sub-issue: Account information incorrect

Please refer to the last two complaints that were submitted. After my initial complaint of incorrect information being reported as well as an ADDITIONAL INCORRECT ACCOUNT being added to my report, I now see that my report has been improperly updated as well. In my last complaint, I reported that a closed account from XXXX XXXX XXXX was added to my Equifax report in the amount of {$1800.00}. I have an open account with XXXX XXXX XXXX with a limit of {$600.00} that is open and in good standing, and that is NOT the account that I was disputing. Today, there was remark added to my report stating that I am disputing both of those accounts, which is NOT ACCURATE! I clearly stated that I was disputing the account in the amount of {$1800.00} that Equifax incompetently added to my report while investigating my initial demand to remove inaccurate accounts from my report. Equifax has now put my report at further risk of false reporting and damage as XXXX XXXX could potentially close the open account that has and is in good standing due to MORE ERRORS ON THE END OF EQUIFAX. Please refer to Dixon-Rollins v Experian Information Solutions U.S Dist Court Eastern District PA Case Number 09-0646 ... Memorandum Opinion, XXXX XXXX XXXX. False reporting, whether due to incompetence or any other circumstance, is a direct violation of 15 USC 1681b ( a ) ( 2 ) as shown in this judgment, as is punishable by fine on the end of the data furnisher. I am currently in the process of filing litigation against this company and will seek compensation for punitive damages. False reporting and inaccurate reporting is a direct violation of the law and my rights! It directly infringes upon my quality of life, and is unacceptable.
Complaint sub-issue: Don't want a card provided by your employer or the government

Someone set up a Debit Express Card in the beginning of XXXX with my name on it. 
They notified Social Security to send my check to the card instead of the direct deposit that was always in place. 
When the money was sent they took it. 
I reported this to the FTC on XX/XX/XXXX. Report # XXXX. 
I contacted SSI when I found out my check wasn't deposited in my account and they told me about the Debit Express Account. 
I contacted Debit Express and they said someone established a account in my name and had the card sent to them. {$2100.00} was withdrawn. 
Direct Express sent me a card minus fees. {$57.00} was on the card. XXXX XXXX at Social Security told me to see what the balance was and to send back the card, which I did. 
Now in XXXX I get another card from Direct Express. 
I did not order one and have no intention of ever using anything from Direct Express. 
I tried to call the number on the card to cancel this and called the Fraud Line number which I had from before. There is no way speak to anyone in Customer Service.
Complaint sub-issue: Fraudulent loan

After filing a complaint XXXX requested I submit an affidavit and police report for fraud. I did so and they responded that I am still responsible for the loan even though I did not sign for it or receive any documents pertaining to the loan such as promissary note. They have acknowledge they did not have ab accurate email address for me nor a signature. They are now asking that I resubmit a new affidavit and police report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX  General Clothing Stores XX/XX/XXXX Yes XXXX XXXX XXXX  Credit Card XXXX. 
XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX/XXXX Department And Variety Stores - non specific XX/XX/XXXX Yes
Complaint sub-issue: Their investigation did not fix an error on your report

You didnt conduct a investigation so escalate this issue to the HIGHEST DEPARTMENT... You are a Federal Government Agency. You keep saying this information accurate... I provided you with proof of the inaccuracies in past cfpb complaint with evidence. How in the XXXX is this information INACCURATE? The XXXX Date Opened XX/XX/2018, XXXX XXXX XXXX XX/XX/2018. The Account Status on XXXX says Closed, XXXX XXXX XXXX says PAID... Which One is it? Lets Talk more on your violations, Payment Status on XXXX XXXX XXXX says Current. Payment Status On XXXX states Late 150 Days... This is straight up XXXX XXXX .... Lets do you XXXX job by correcting or delete... I will speak to my State Attorney General about your violations you are committing under federal LAW by FCRA ACT. You are furnishing this inaccurate information... PLEASE LOOK INTO THOSE ATTACHEMENTS WITH PROOF OF EVIDENCE OF MY CREDIT REPORT. LETS FIX THIS BEFORE I ESCALATE THIS ISSUE... READ THE ATTACHMENTS AND INVESTIGATE CARFULLY...
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed inaccurate late payments showing up in my credit file from Equifax 7 times. The credit file is showing that I paid XXXX  XXXX payments late over 180 for several years which is completely false. I disputed this issue with XXXX and XXXX as well and the inaccuracies were removed right away when I provided the proof and documentation. Equifax refuses to remove the false late payments even though I have provided payment history that was signed and notarized as well as letters from the crediting company that states the late reporting 's are not correct!
Complaint sub-issue: Account information incorrect

The year XX/XX/XXXX-XX/XX/XXXX Dept of Education paid {$9400.00} to XXXX XXXX College. At the time this school has been convicted of committing Fraudulent activity. At the same time I attended XXXX XXXX College someone in there Financial aid department received a pell grant from XXXX XXXX OF XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, NV XXXX-XXXX. When it was brought to my attention I automatically applied for Loan  forgiveness with XXXX XXXX  on XX/XX/XXXX ( my application number is XXXX ) which is still pending I was also informed to notify my loan services Great Lakes Borrower and they did nothing about it. I told them I was a victim of fraud through an institution who was shut down due to fraud and they are still trying to hold me accountable for XXXX plus interest. I have disputed this and reached out to them several times and nothing. I even provided them with the XXXX XXXX of XXXX number and address and it was phony too. My loan serviced did nothing even XXXX XXXX still has my application as pending because it is being investigated!
Complaint sub-issue: Debt was result of identity theft

ATTENTION TO ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2100.00} does not belong to me. This account was fraudulently opened through this company ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire SOME FORM OF ACCOUNT I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Complaint sub-issue: Investigation took more than 30 days

XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  SS #  XXXX   XXXX / XXXX / XXXX   XXXX , Equifax and   XXXX    will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over 60 days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  Delete all my unauthorized inquires from my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX continues to allow erroneous and inaccurate information on my credit report regarding a Macy 's account. There are numerous issues with this account. XXXX has allowed the re-aging of the account to show a later delinquency than the original delinquency. Two attempts to dispute the item were met with no real investigation and claims the item was verified with the latest attempt occurring on XX/XX/2019. Macys is providing inconsistent and inaccurate reporting through the three credit bureaus. If the information being furnished is accurate why is the reporting different between each bureau? Furthermore a charge-off is a one time event so why is it being reported every month as a new charge-off? A charged-off account is written off and should also not have a past due balance. Please refer to the attachment for all the inaccuracies.
Complaint sub-issue: Debt is not yours

I have received an alert that IC Sytems has place two collection accounts on my credit reports. I dispute this debt and request debt validation and copies of all physical and electronic files sent to this company concerning this debt. This includes copies of contracts for service, Identification used to open account, billing and accounting for all amounts that claim to be due- There are two accounts one in the amount for {$190.00} and {$390.00} company XXXX XXXX . Please accept this letter as notice and I would like copies of these documents within 30 business days according to the FCRA and FDPCA laws. 

I called today at XXXX and was transferred twice they had no information and could not pull up my account. 

Please do not contact me by phone only mailing correspondence.
Complaint sub-issue: Old information reappears or never goes away

Multiple phone calls 2 loans from XX/XX/XXXX, one for XXXX, another XXXX settled in XX/XX/XXXX with {$0.00} balance. They were off all 3 company reports for few months before reappearing on all except XXXX XXXX. XXXX XXXX eventually came back as well and all 3 are on it ... .. Not only were they already taken care of and closed in XX/XX/XXXX, AND then the XXXX withheld my XXXX income tax return of over XXXX to the Dept of Edu XXXX The 2 XXXX XXXX are the same 2 as dept Ed. There is not 4 loans. They have been closed with {$0.00} balance even BEFORE my Tax return of over XXXX was withheld and paid to the DOE. 

The 3 XXXX XXXX charges stem from an ambulance ride back in XXXX of XXXX. How they charge u for 3 bills for one ride, who knows. These were covered and paid by XXXX. They were removed and then came back. I've tried multiple times going in circles. It's frustrating when u spend hours and hours to finally get these errors taken care of, only to pop goes the weasle, they're back. Please help. Thanks
Complaint sub-issue: Reporting company used your report improperly

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Complaint sub-issue: Reporting company used your report improperly

I was alerted to the recent attack on Equifax resulting in the potential compromise of 143 million people 's private information, and used their tool ( equifaxsecurity2017.com ) to see if I was affected. According to the tool, they think that my information may have been compromised, and offered to enroll me in their XXXX XXXX program, but that would waive my right to participate in a class action lawsuit against them, so I did n't enroll. I checked my credit report, and everything seems fine, but I 'm still putting a 90 day fraud alert on my credit.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have loan with XXXX XXXX XXXX  in my home XXXX XXXX XXXX XXXX fl. loan number XXXX t am current on the payment. due to covid panic in the beginning i was out of work without pay check. i was few days behind in XXXX and XX/XX/2020. MY CREDIT SCORE WAS XXXX. DUE TO THIS LATE REPORT MY SCORE DROP TO XXXX. 
I Am in the market to buy a home now. due to this late report i can't get loan approve. The Du come as REFER/ELIGIBLE.Please advise XXXX to remove this 30 day late reporting. I ATTACHED THE DU REFER/ELIGIBLE
Complaint sub-issue: Account status incorrect

The problem I am having is that they are reporting a late payment when I was in the process of asking for assistance for the people who were affected by COVID. I asked for the help in XXXX, everything was online. At the end of XXXX I got a confirmation that they received the assistance application for financial help and that they would contact me in 10 days. After that we have been follow up over the phone contact because there had been no response. They have been asking for documents which we have already sent to them. On the XXXX of XXXX I received a letter from them stating they had received the package where I was looking for assistance and that the packet was completed and they would send me a determination regarding the availability of foreclosure prevention. On the XXXX of XXXX they stated they had reviewed the loan and stated I qualified for the pandemic payment deferral program. When I go see my credit report I have made the last payment in XXXX of 2020. In XXXX I asked for help. I appear on the credit report that in XXXX in XXXX the payment was unknown because I was still waiting for response. In XXXX I received letters but still had no offers on programs and I then started paying in XXXX. In XXXX they are showing that I am over 100 days late but I had not been able to pay since XXXX. I have all the documents showing all this as well. Please note that my wife has reported this same complaint already under tickets XXXX, XXXX, XXXX, XXXX. But since credit report is for each person, I need to also fix my credit score, because the mortgage is under both names, my wife and mine
Complaint sub-issue: Information belongs to someone else

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.
Complaint sub-issue: Problem getting your free annual credit report

For at least the past 5 years Equifax has refused to provide my free annual credit report when requested via the XXXX   XXXX XXXX ( https : //www.annualcreditreport.com ) website. Every year I have to jump through a bunch of extra hoops to get it by mail ( instead of electronically like I get the other two credit reports ) and then half the time their call center wants to charge me for it. 

I was advised by their XXXX page to call their Global Consumer Care Team at XXXX, but the auto attendant refused to connect me to a live person. 

As far as I can tell Equifax is trying to use this to scam money out of consumers.
Complaint sub-issue: Account information incorrect

The XXXX XXXX Missouri is reporting a monthly payment for a charged off account Please verify and delete all inaccurate accounts
Complaint sub-issue: Their investigation did not fix an error on your report

I've been disputing an account with Equifax Information Services, XXXX XXXX XXXX Account # : XXXX, which is a paid medical account that has been disputed. There is a law that prohibits such reporting called XXXX, and I believe the CFPB is the proper arbiter of such cases. Equifax has repeatedly violated my consumer rights granted under XXXX, and you should make them pay for their infraction!