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

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were several accounts open under my name. It is a real upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to us.
Complaint sub-issue: Reinserted previously deleted info

I had disputed XXXX and XXXX with Equifax in XXXX 2014 and they proceeded to delete due to inaccurate information and improper reporting. Yet recently I have found these XXXX accounts on my file again. These accounts are outdated, inaccurate, contain incorrect dates and status ' and are not reporting correct payment history. They have no place being on my file if they refuse to conduct a proper investigation to correct them. I asked Equifax for proof of investigation and their results and paperwork regarding how they verified these and allowed them remain on my report and yet I have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify these derogatory marks. They must remove them if they can not honor my request to correct them and show me how they verified them and allowed them to be reported to my file. they are inaccurate and they are affecting my life very negatively!
Complaint sub-issue: Information belongs to someone else

II have sent the proper documents to Equifax for them to remove the accounts from my profile. They haven't I have follower all the proper procedure to get these accounts remove from my profile.
Complaint sub-issue: Can't close your account

Upgrade Card XXXX. On XXXX XXXX I called to close the account I was advised they could not because there was a balance. I paid off the account while the representative was on the phone. The funds cleared my XXXX account on XX/XX/XXXX. I then had to call again to close the account, which was not done. Then I was told on XX/XX/XXXX they state the account was closed. I went to my credit report to dispute the account as paid off and closed. Upgrade on XXXX confirmed with XXXX that the credit limit was not XXXX like previously reported but XXXX and the balance owed was XXXX. I have called several times to close the account. I open the app and says the account is active. I have also mailed the card back to close the account and advised Upgrade Inc to have no more electronic notices or information. Upgrade Inc. is still sending everything electronic and will not mail. Now the account shows my new due date of XXXX XX/XX/XXXX. I do not know what else to do to close the account. XX/XX/XXXX I called and spoke to XXXX who hung up on me after asking for a supervisor XXXX because XXXX was leaving in a minute, and not supervisor was there. XXXX stated there are notes on the account and it was escalated but nothing happened. XXXX XXXX responded to my email that I needed to call in about closing my account. I have emailed, called, sent letters nothing happens and Upgrade Inc. still reports the account incorrectly and confirms that it is right but the information is wrong.
Complaint sub-issue: Account status incorrect

Servicer is reporting 14 loans as delinquent, and this is NOT true.
Complaint sub-issue: Company closed your account

BBT Personal Acct # XXXX for XXXX XXXX XXXX. 
SSN:XXXX My account was charged off by BBT Recovery Charge off Dept.I called in I asked them whether or not I could take care of my checking account negative balance.They told me that I had til XXXX to pay it off.Which was a lie.They charged the account off about 3-5 days later.I could have gone in paid off the account and my account would be still open and available to me.They have reported me to XXXX.Which is a Fair debt practices reporting Act violation.I would like to be removed asap from XXXX XXXX.I am requesting and encouraging a full investigation by BBT and CFPB.This is a serious matter.Thank you much in advance.I really appreciate it. 

Please reference notes from the charge off/collection/recovery dept.It will tell everything that happen.When I talked to this dept.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a dispute to Equifax and XXXX about some sketchy accounts on my credit report. To this date I have not received any updates. I'm just trying to get this resolved so I can move forward with my life. This is adding more pressure to my life because I can not use my credit for anything and these accounts aren't even suppose to be on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I reported that my name and address was reported incorrectly on my credit report, It was responded that they could not fix the problem, because they didn't have amounts, account numbers, etc. They would not have account numbers because I am only discussing that my name and previous address is incorrect.
Complaint sub-issue: Investigation took more than 30 days

you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Please evidence your authorization to do business or operate in the state of Florida. 
XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Complaint sub-issue: Fee problem

TCF Bank has charged me fraudulent NSF fees on my account. They claim that these fees were warranted because the account had insufficient funds. This is not true. The following transpired. 

On XX/XX/2021 there was a POSITIVE balance of : {$520.00} I then used my TCF Debit card ( 3 ) times that day for the following : {$29.00} Bal = {$490.00} {$12.00} Bal = {$480.00} {$8.00} Bal = {$470.00} Then, THE SAME DAY, XX/XX/2021 TCF claimed that there were not enough funds in the account and charged me ( 3 ) {$37.00} NSF Fees. Which resulted in a positive balance of {$360.00} I called TCF customer service, and they were no help. They did refund me {$56.00} of the NSF fees. However, NONE of those fees should have been charged. I then complained to the XXXX, and TCF claims that the fees are accurate. The fees ARE NOT accurate, because there were in fact funds in the account to cover those ( 3 ) transactions. TCF just settled with the government for their illegal fee charging. But it seems that they have not stopped doing it. 

I have attached documents which clearly show that there was enough money in the account at the time to cover these debits. Even if there was a " pending '' transaction, that transaction would not have posted, and therefore no NSF fee should have been incurred.
Complaint sub-issue: Information belongs to someone else

I never applied for it, i don't recognize this account.

I didn't sign any contracts or agreements with this company. I believe, that somebody used my personal information and open this account.
Complaint sub-issue: Credit denial

As a federally protected consumer, I understand that credit is defined as the right granted by a creditor as listed in the definition ( 15USC 1602 ( f ) of the consumer credit protection laws. I also understand that 15 USC 1602 ( g ) of that same subchapter, defines a creditor as a natural person who can regularly extend credit as well as the person from whom the debt arises, therefore I am the creditor who has these rights. 

I was unfairly discriminated against by Carmax who has deceptively listed themselves as the creditor and I am referencing the denial letter as proof. This denial notice constitutes an adverse action ( 15 USC 1691 ( 6 ) ) that was taken against me while I, in good faith, was exercising my right to extend credit for personal, family and household uses. This adverse action also constitutes discriminiation based upon 15 USC 1691a ( 3 ). 

I am aware that Carmax has not only deprived me of my rights under the color of law ( 18 USC 242 ) but also has conspired against my rights ( 18 USC 241 ). 

I am aware that a credit application is not only a financial asset 12 CFR 360.6, but it is also self liquidating paper ( 17 CFR 260.11b-6 ) which means it can be monetized. 
Essentially Carmax has fraudulently profited from the personal information that was submitted in good faith, and is using it to profit financially, which is also the definition of identity theft found in 15 U.S. Code 1681a ( 3 ). 

Carmax was able to gain financially from behaving indecently and with dishonor. These blatant and disrespectful proves some of the many ways Carmax is acting above the law and without respect for the standards, regulations and laws in place to ensure fair and equal treatment of the consumer. This transaction has been incredibly one-sided and I have received nothing in return except disappointment.
Complaint sub-issue: Their investigation did not fix an error on your report

This Bankruptcy was not verified by the courts and needs to be removed. I have attached the from the courts supporting such facts. They do not have Social Security Number attached this account for me. This not my account, by the FAIR Credit Act ( section 623, 611 ) this information must verified by the original account holder ; in addition, to being accurate is not. I will hold XXXX, Equifax, and XXXX   responsible for displaying this information on my credit report. 

I have attached the letter from the courts, and I have requested this information to be removed months ago. Therefore, it has been over the 35 days. This is information can not be verified by a third part either as a so called government agencies. 

Please remove ASAP. Or face a Lawsuit
Complaint sub-issue: Account information incorrect

i have contacted all 3 credit bureaus in regards to incorrect information that is being reported on my credit report for the past several months and i've grown tired of this. i have written letters to all three credit bureaus to show me actual verifiable proof that this was indeed investigated and how it was verified and all 3 bureaus have failed to do so. and they continue to report incorrect inquires as well as accounts on my file. they are not following the FCRA guidelines and they should be legally bineded to do so!
Complaint sub-issue: Account information incorrect

I contacted XXXX XXXX XXXX in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the XXXX representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXX XXXX XXXX that due to a drop in my credit score my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the Director of Credit at XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my credit score. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score. XXXX XXXX XXXX granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose tome that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XXXX XXXXinstallment was paid prior to the due date. I am currently not in a hardship. XXXX did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by XXXX that was supposed to prevent a negative report on my credit for these months. XXXX did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided XXXX given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with XXXX XXXX XXXX and is a violation of the FCRA. I have reached out to XXXX XXXX XXXX and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to XXXX XXXX XXXX.
Complaint sub-issue: Privacy issues

I OPTED OUT OF SHARING MY INFORMATION AND TELEPHONE NUMBER, I'VE BEEN WITH DISCOVER CARD FOR A FEW YEARS NOW AND THEY BROKE MY PRIVACY POLICY, I CALLED DISCOVER SEVERAL TIMES AND THEN CALLED THEM AGAIN ON XX/XX/2019, THE CUSTOMER REP EXPLAINED TO ME THAT SOME CALLED IN AND REQUESTED THAT MY TELEPHONE NUMBER BE SENT TO OTHER COMPANIES. I REPLIED BY EXPLAINING TO HER THAT I NEVER EVER AUTHORIZED ANYONE TO CALL YOU AND REQUEST MY NUMBER BE DISBURSED TO THESE COMPANIES. THEN I CALLED DISCOVER CORPORATE AND FILED A COMPLAINT WITH THEM REGARDING MY TELEPHONE NUMBER AND PERSONAL INFORMATION BEING GIVEN TO THIS INDIVIDUAL THEY SAID CALL IN AND REQUESTED ALL THIS INFORMATION. I NEVER EVER CONSENTED OR AUTHORIZED ANYONE TO CALL DISCOVER AND SOLICIT MY PERSONAL INFORMATION. THESE ARE THE NUMBERS THAT ARE CALLING ME 24/7 DAYS A WEEK : CLAIMING THEY ARE DISCOVER THEMSELVES AND I'M IN GOOD STANDING WITH DISCOVER : 1 ) XXXX THEY DISCONNECTED AFTER I CALLED. 2 ) XXXX 3 ) XXXX 4 ) XXXX XXXX ALL NUMBERS CLAIMING DISCOVER GAVE THEM MY INFORMATION.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : ( XXXX XXXX XXXX XXXX )
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Complaint sub-issue: Reporting company used your report improperly

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit inquiries on your report that you don't recognize

I talked to Equifax today, they said I could not dispute my hard inquiries. They advised me to speak with the lenders. I would like to dispute my unauthorized.
Complaint sub-issue: Public record information inaccurate

Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. Equifax and XXXX has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report.
Complaint sub-issue: Account information incorrect

Late Payments for the year of XXXX, XXXX and XXXX are being reported on my account inaccurately. The company has not provided evidence to prove the payments were late. On XX/XX/XXXX in response to complaint XXXX the company submitted a word document of a payment history that doesn't have any of my information on it, this document is not a valid document as I do not know if the payment history submitted is mine. The word document doesn't have any of my information on it including personal information, car information or payment details. The response that was submitted on XX/XX/XXXX isn't valid as XXXX XXXX has not proven any late payments, however they're reporting late payments to all of the credit agencies which is negatively impacting me and my credit score. I would be honest in XXXX and XX/XX/XXXX I was late due to not working so I can take care of my mom who was battling stage XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

On XXXX XX/XX/2020, as the COVID-19 pandemic was beginning and I was impacted with job and pay issues, I immediately contacted the Lending Club and asked for assistance with deferring my payments. On XXXX XX/XX/2020, they approved my request due to being impacted by COVID-19 pandemic and at the same time, they reported my account as being delinquent to the credit bureaus. This is unfair and inhumane treatment. When the world is being impacted by not being able to work and families are struggling, its bad enough that I had to reach out to request assistance due to being impacted, but to have the account reported immediately as delinquent when I have been reaching out for assistance from the beginning is unfair treatment.
Complaint sub-issue: Their investigation did not fix an error on your report

This Complaint is formal notice that EQUIFAX has failed to respond in a timely manner to my disputed account XXXX  XXXX Balance Owed : {$3400.00}. EQUIFAX inform me to contact the creditor and I have done so. I have requested validation and has not produced it. The credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Please FIX this item now.
Complaint sub-issue: Account information incorrect

The Fair Credit Reporting Act states that negative information can not appear on one 's credit report for a period longer than 7 years. But despite that, XXXX continues to report an old negative account on my credit file. It has now been on my credit report for 7 years and 3 months. This account needs to be deleted immediately.
Complaint sub-issue: Information belongs to someone else

My credit report says someone used my personal information to loan a car and the car was repossessed and now it says i owe the lender {$11000.00}.