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

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variations of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company ( XXXX XXXX has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Complaint sub-issue: Information is not mine

I was a victim of continuous identity theft. A vehicle was purchased in my name without my knowledge. This account is reporting TWICE on Equifax for the same amount. I have sent in all of the necessary documentation including police report, FTC affidavit, drivers license, social security card and proof of current residence. Equifax continues to report the item in duplicate as well as tell me that they will contact the creditor who always verifies that the account is mine when it is in fact not! Equifax continues to report these accounts as well as others that are not mine. The other bureaus have already rectified the issue and I have been fighting with Equifax diligently for almost 1.5 years.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to the bureau and asked them to remove inquiries that doesn't belong to me. Here they are : 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I received a new copy of my consumer report and it showed a credit inquiries that I have disputed and been Disputing since XX/XX/XXXX. I have provide Equifax with a copy of a FTC report and a letter from my bank that placed this inquiry on my consumer file and in the letter it stated that they send over a request on XX/XX/XXXX to have this delete from my personal credit file. I called Equifax today and asked why is it still reporting when the bank has requested that it be removed and I have provided them with a FTC report. The supervisor stated that it was XXXX thing that she see that she could not disclose over the phone in my consumer file and in order to get this inquiry remove I would need to send another FTC report in with more detail about this inquiry. Correct me if I am wrong why would I need to do that when the Bank had already send them a request almost a month ago to have it deleted. I feel Equifax is trying to bully me and refuse to remove a inquiry that I did not authorized. Please help I have a previous open complaint that has an attachment from the Bank stated that they have put in a request on XX/XX/XXXX the previous cases are XXXX and XXXX. Per these letters Equifax has refuse to delete.
Complaint sub-issue: Problem with customer service

XX/XX/2020. I received notice that Myfedloan.org would be taking over my loan for my son 's college tuition from Mycornerstoneloan.org. I created an account. The next time I tried to log in it gave me an error and said information did not match. I called the provided phone number and was told my birthdate did not match. I was told to fax my driver 's license. I have faxed my D/L on XXXX, XXXX, XXXX and XXXX. I have also mailed it. I received one e-mail on XXXX which stated they received my request. Still does not work. I have called 10 days or so each time after faxing my D/L. Still no luck. I have literally spent hours on the phone trying to get this resolved. This is some kind of error on the part of the loan company and there is no way I should have had to spend so much time and energy trying to get this fixed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

some of the credit inquiries on my reports I dont recall like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX XXXX I definitely don't know or recall any of these inquiries. These ruin your credit and prevents you from obtaining more credit like leases, loans, mortgages and higher limit credit cards, preventing me to live a better life or to help the economy. 
And secondly they have an applied bank card on my report for 7 years stating that I owe {$1100.00} or something. I had owed just {$490.00} and 7 years ago, so according to the law of an act of a contract in new york after 6 years the contract is over, finished and not valid, and therfore have to be removed off my credit report. So both of these situatios the credit bureaus are 100 % guilty and in violation of privacy and consumer credit laws and should be prosecuted and fined and sued to the fullest extent of the law as they continue to XXXX the residents and citizens of United States. I've disputed these things at least 2 times and they either don't respond or doesn't provide any evidence against me. Please make them remove all negatives off my reports asap thanks.
Complaint sub-issue: Billing dispute for services

Due to an error on your Macy 's website account login I resulted harmed in my credit report and I seek a correction. 

Please read below. 

When I signed to a new credit card XXXX XXXX ending in XXXX, I had to add the card to my Macy s account online by entering the : CARD NUMBER / NAME AS IT APPEARS ON YOUR CARD / SECURITY CODE / LAST 4 DIGITS OF THE PRIMARY CARDHOLDER S SSN. 

That is why I did but I could never activate the credit card due to an error in the information provided ... this delayed me the process of paying the credit card as you will see further on. 

The problem is that the website asks for THE NAME AS IT APPEARS ON YOUR CARD. The name that appears in my card XXXX XXXX is XXXX XXXX, which is different from the name which I was supposed to provide XXXX " A '' XXXX XXXX customer support explained my name was supposed to be different ). Why should I have provided XXXX " XXXX '' XXXX? If that is not the name that appears on the XXXX credit card? 

Now, if you ask me to input the name as it appears on my credit card, I will do it. Right? Why should I enter a different name? 

This mistake from your end led me to not activate the credit card and have an unpaid balance of {$87.00} dollars which I carried for over 90 days and resulted in you reporting to the credit report bureau. 

I called to explain this situation to Customer Service but they replied they can not do nothing about it and they could not care less. 

But now I am seeking to get a mortgage for my first home and this mistake from Macy 's end is jeopardizing my future. This is not fair. 

I am a good customer of XXXX, always buy some XXXX XXXX pants only in Macy 's and now shirts to go to work. Why should I get criminalized from a mistake on your end? 

This is not fair. This is not an I forgot to pay. This is an inability from Macy 's end to add an additional card with the proper name. 

This is one of those errors which need to be fixed from Macy 's end.
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 602 States Im have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer repoting agency can not furnish account without my written instruction.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX the CRA reported a late payment on an auto loan for XX/XX/XXXX that was incorrect. I disputed the information and sent my proof to the CRAs. The late payment was then removed XX/XX/XXXX. On XX/XX/XXXX a new late payment was added for XX/XX/XXXX. This inaccurate data has been reported to the Attorney General and XXXX. this inaccurate data is also in violation of a number of FCRA Laws, XXXX XXXX data compliance and consent of disclosure. If the information was correct and true under XXXX the data would not constantly change.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX XXXX had this account during the statue limitations. XXXX financial systems has put different dates on a XXXX credit bureaus when the account was purchase and forged payment on my account to keep the account open. The payment has rise from XXXX XXXX. XXXX and Citi Financial has put and double jeopardy on the credit trying to collect from the same debt. XXXX XXXX has given me numerous dates of when they purchase my account and I have the dates infront of me when I call about every letter I have receive for XXXX XXXX within the 6 years and more about this account .This account is also past the statue of limitations. XXXX has been acquiring contacting the credit bureaus using my social security number.
Complaint sub-issue: Reporting company used your report improperly

Unable to fix issue with XXXX, have been placed on hold with no answer & talked to representatives that did not understand the issue. XXXX has reported a credit card as late. 

Im accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Other problem getting your report or credit score

Account Name XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2016 Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Complaint sub-issue: Debt was paid

I have two accounts in collection for XXXX XXXX. I am unsure of how that happened because I do have an active account with XXXX. When I called and spoke to XXXX, they stated that one was from an address at my mothers house, which was paid in full but they say it was not, and we have proof. They said the other was from when I moved services, the representative said that instead of transferring the services, they cancelled the account and switched it to a new account and never forwarded me a bill for the previous property I had services at. Now I have two accounts with them in my collections on my credit report, but though some collection agency I have never heard of or spoken to. I have yet to receive documentation on the debt collectors part for those two separate collections they have on my accounts and credit report. One account in collection is not supposed to be there because it was paid for in full in person at a XXXX  store, and the second one was at the fault of XXXX incorrectly transferring my services and instead canceling my account and opening a new one without my knowledge nor sending me a bill for the previous account. I have called XXXX  and they are of no help and will not resolve the issue.
Complaint sub-issue: Information belongs to someone else

I would like for the CRA 's to remove the negative accounts.
Complaint sub-issue: Information belongs to someone else

Please remove inquiry from XXXX on my credit report. I have attached a letter from XXXX
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are 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 remove the following accounts completely from my Credit Reports : 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
Complaint sub-issue: Problem during payment process

I have a cash advance balance on a US Bank credit card as well as a purchase balance at a lower interest rate. Each month after paying at least the minimum payment the cash advance balance has been increasing month over month despite the fact that I have not taken any new cash advances. I called on Thursday XX/XX/2020 to complain about this unfair practice which effectively increases the interest rate on my overall outstanding balance every month in violation of the Fair Credit Billing Act specifically 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing 1666i1. Limits on interest rate, fee, and finance charge increases applicable to outstanding balances which states that " ( a ) In general In the case of any credit card account under an open end consumer credit plan, no creditor may increase any annual percentage rate, fee, or finance charge applicable to any outstanding balance ''. The representative explained that the increase in the interest rate on my overall outstanding balance on the credit card was happening because US Bank 's policy is to apply the cash advance interest charges to the cash advance balance and then apply the minimum payment to the lowest interest rate balance first which causes the cash advance balance to increase every month despite the fact that no new cash advances have been taken. It is my contention that US Bank 's policy is in violation of Federal law since it has the effect of increasing the overall interest rate on my outstanding credit card balance each month. After checking my statement with another credit card I have with XXXX XXXX XXXX on which I also similarly carry a purchase balance as well as a cash advance balance at a higher rate I confirmed that they do not engage in this unfair and arguably illegal practice as US Bank does. Despite explaining the issue to US Bank at length and informing them that their unfair practice was likely a violation of the Fair Credit Billing Act they steadfastly refused to change their policy to conform with Federal Law.
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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

On XX/XX/XXXX I reached out to Plaza services about a debt that I had no prior knowledge of. The representative was VERY RUDE AND SARCASTIC. She refused to put the manager on the phone. She refused to assist me and abruptly hung up on me. I called back to get information on a debt they a attempting to collect that I have no knowledge of and a guy answered laughing in my face, put me on hold for a long time, then another person answered refusing to help me AGAIN.
Complaint sub-issue: Personal information incorrect

So I sent a letter of on XXXX remove Inaccurate Personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people.

These are clear Violations of my Federally Protected Consumer Rights.
Complaint sub-issue: Was not notified of investigation status or results

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Complaint sub-issue: Reporting company used your report improperly

A charged off XXXX XXXX account is reporting my credit report that never belonged to me due to Identity Theft. The amount is {$250.00}. I don't let accounts go unpaid, I can spend {$250.00} on a dinner, so if it was mines I would've just paid it no problem. My credit has no unpaid accounts. This account is fraudulent and needs to be removed immediately from my credit report. 

I Have Never Lived At The Address Associated With This Account. The service address is stated as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX I have never lived there ever, and I didn't start this account. My wife actually has been taking care of this utility service for our residence during the dates of this fraudulent account service at this false address so I wouldn't have needed this service to begin with. We had gas service at our real address during this same timeframe under her name. We never even lived in the county of this address during the dates of this service. 

This matter was not properly investigated by this bureau. By the Fair Credit Reporting Act, this account needs to be removed. It is both false and inaccurate. My rights have been violated.
Complaint sub-issue: Investigation took more than 30 days

Commonwealth of Virginia and XXXX XXXX investigation are still open disputes, have been open for several months now. I would like all disputes on my equifax report to be closed.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter off on XX/XX/XXXX. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. A financial institution is not supposed to share my information to third-party people. These are clear violations of my federally protected consumer rights.

I have attached : A copy of my license with my current address A copy of the utility bill A copy of the bank statement a copy of ssn A copy of the letter that was sent off on XX/XX/XXXX A copy of an FTC report with a few of the addresses A copy of the previous CFPB complaint
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, these accounts listed below have violated my to these so called debt collector to prove that I, XXXX XXXX XXXX am a debtor. The credit bureaus have been slow and neglectful to remove such accounts and have ruined my finances. 15 USC 1681sec. 602 A states I have a right to privacy. 15 USC 1681 sec. 604 A sec. 2 that a consumer reporting agency can not furnish an account without my written consent. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I sent complaints # XXXX, XXXX, and XXXX on XX/XX/XXXX however it was already closed when I reviewed it. I am resubmitting my complaint to you today to inform you that there were erroneous items found on my credit report : 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 XXXXXX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information 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 have submitted request after request for my credit report inaccuracies to be removed almost a half dozen of times. The response that is being received is either not making sense or requesting verification on my credit profile in which this has already been included with the disputes. I tried to called XXXX and kept getting an automated recording after entering my social security number, their company was the first to respond on my disputes not correcting anything requested and then put a credit fraud alert on my account blocking credit applications from being processed when the fraud complaint was on the credit bureaus for reporting inaccurate information that has been asked to be removed. XXXX  request you to upload a black and white copy of your drivers license and the Fraud Alert Form to be in black and white, but they issue the application in color. Lexis Nexis is continuing to kill trees sending the same letter requesting me to verify an account that " they say '' can be set up online. 

All of my rights has been violated under the follow 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my permission. 

I could go on and on, however we all know the laws regarding consumer fair credit, but yet and still there seems to be nothing done regarding all of these inaccuracies that are being reported regarding these issues from consumers.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE OTHER 2 BUREAUS DID THEIR INVESTIGATION FOR 30 DAYS AND THEY REMOVED THE FRAUDULENT ITEMS BUT EQUIFAX REFUSES TO REMOVE THEM. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 11 of  the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$340.00}.