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

Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 XXXX 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 severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Complaint sub-issue: Account status incorrect

Settled debt with company called " XXXX XXXX XXXX ' in which they stated once paid they will remove from my credit report. Its been a month and its showing up on my credit report. Amount was {$300.00} - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the XXXX equifax and XXXX regarding this and i was told to get an FTC report.
Complaint sub-issue: Received bad information about my loan

I had asked for an extention when for when I was to start paying my student loans back. They said they were going to grant me a forbearance for 1 year because I was on public assistance. A while later they had started marking me as non payment. I noticed this on my credit score. I called and they gave me the runaround. They said they were going to look into it. Then they determined the proper procedures were n't followed to maintain the forbearance. I did everything they asked me to do. It is on record that they stated I would not have to start paying the loan back for 1 year. They started reporting non payment after about 4 to 6 months later. After talking to them again, they put it in forbearance again but would not remove the derogatory marks from previously. I even started my payments early. This is through nel net.
Complaint sub-issue: Contacted you after you asked them to stop

On XX/XX/19 a representative from the company contacted multiple people as well as myself while at work. When I returned their call from my personal cell phone I informed them to not call my work. 

On XX/XX/19 the same representative called my office again. I again informed her to not call my work.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting Act XXXX XXXX XXXXXXXX XXXX with account number XXXX has violated my right to privacy. 15USC 1681 Section 602A State that I have a right to privacy. 15USC 1681 Section 604A Section 2. Also state a person or consumer reporting agency can not furnish an account without a written instructions.
Complaint sub-issue: Debt is not yours

I was contacted by XXXX XXXX XXXX The debt was incurred in XX/XX/XXXX they are reporting it as XX/XX/XXXX Not only are they re-aging this debt, but I don ; t  know what it's for this debt is out of statute
Complaint sub-issue: Investigation took too long

I sent a letter to XXXX regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from XXXX XXXX ).
Complaint sub-issue: Information belongs to someone else

After carefully going over my credit report on XX/XX/2020 I seen 3 fraudulent accounts and an inquiry that doesn't not belong to me. These accounts are identity theft and is causing serious harm to my credit profile.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to the bureau several times regarding a Bankruptcy showing on my file. In their investigation they stated verified. In my dispute i requested who verified those bankruptcy cases, they did not provide me a copy or documents of whom they spoke with. The bankruptcy courts have told me that they do not verify nor provide any information to credit reporting agencies, nor do they ever validate and or confirm public records to third parties providers who collect information proving public records. Therefore I have proof the bureau has never validated or verified these inaccurate public records on my report, which tells me they are in violation of FCRA. 
Case numbers are XXXX.
Complaint sub-issue: Information belongs to someone else

CarMax Auto Finance Account # XXXX placed a derogatory mark on my credit report via XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors did not verify this collection. Also, there is no written form of communication, contract, or signature for the accused debt. A document without a signature does not validate debt. According to FCRA, CarMax has violated my rights as a consumer and I am requesting legal action to remove/delete the account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried numerous times to get the closed account ending in XXXX regarding XXXX XXXX to reflect correctly which Equifax has failed to do. XXXX shows the account being closed in XX/XX/XXXX with no further activity. 

Equifax after a recent investigation on XX/XX/XXXX already reflected the next day changes that were erroneous errors. They showed the account with lates from XXXX XXXX XXXX and another charge off reporting in XX/XX/XXXX which makes no sense since the account was paid and closed in XX/XX/XXXX as will be shown from a picture took of the reporting. This account is paid and closed as of XX/XX/XXXX with no activity afterwards. 

Equifax has purposely tried to re-age this account to reflect negative activity after the fact it was closed in XX/XX/XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Dear CFPB, I desperately need your help in this matter with Equifax. Please help me, I would like to put another complaint on Equifax, I have been disputing items on my credit report since XX/XX/2019. FIRST, I would like to say each time I open a dispute my credit takes a 70 point decrease just from opening a dispute almost as to discourage me and being punish for opening a dispute. Second, Im really getting sick of the stall static that this company continues, I have received a letter that says that Equifax was not able to find me in your database, and that I need to send a valid social security card and a statement with proof of address. 

I have made copies of my previous letter and my last letter send out on XX/XX/2019 I also have attach the documents I have sent to prove my identity from my previous letter # 3 and letter # 4 each time. I have sent a COPY of my S.S card, COPY of my driver license, COPY of my check stub and even a COPY of my XXXX  XXXX bill and XXXX online statement. Only to receive a letter from your company suggesting I did NOT send the correct forms to prove my identity. When that is just a plain lie, my complaints have remained OPEN with absolutely NO response from your company. 

Complaints submitted on XX/XX/2019 OPEN COMPANY RESPONSE IS IN PROGRESS SINCE XX/XX/2019 on XX/XX/2019 OPEN COMPANY RESPONSE IS IN PROGRESS AS OF XX/XX/2019 on XX/XX/2019 OPEN COMPANY RESPONSE IS N PROGRESS AS OF XX/XX/2019 it is now XX/XX/2019 and NOTHING has been done. 

Equifax has been unable to solve and answered complaints but you they have time to send a stall tactic letter? 

Enclose : are my original scan paper work that I already and always have sent to Equifax, please see for yourself.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( XXXX, EQUIFAX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX, XXXX, XXXX XXXX- XXXX, US DEPT ED- XXXX, XXXX XXXX XXXX. All of this accounts I have not validated or given these companies WRITTEN OR ORAL Consent to report anything negative about ME. I am demanding you to block and remove this information and accounts within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 with fees

My card has been charged an " Optional Enhanced Debt Protection '' fee that I was unaware of and did not opt in to. When I called today to cancel it, I was told it has been on my account since XX/XX/2012. It is about {$12.00} a month ( {$0.00} per {$100.00} of balance ), so I have paid {$1200.00} to this when I never gave consent for it. This card is with Citibank through Best Buy.
Complaint sub-issue: Information belongs to someone else

I have numerous negative items stated on my credit report that is not mine. I was never aware of these negative items. I believe I have been a victim of identity theft and this misinformation on my credit report has been affecting me terribly. My information was also compromised during the Equifax data breach.
Complaint sub-issue: Other problem getting your report or credit score

I am trying to open a XXXX XXXX account. I have a credit freeze on my credit. I went on the Equifax website and lifted the freeze. However, Equifax will not release me credit score to XXXX. I have called Equifax 3 times and they assure me the freeze is lifted however, every time XXXX tries to get my credit score Equifax tells them it is frozen and that I need to call them to lift the freeze.
Complaint sub-issue: Funds not received from closed account

My account was closed due to a PPP loan being placed in my personal account. I, as long as MANY others, did not know this would cause such an issue otherwise i would've made sure to get a business account. Its been weeks and i haven't heard back about my funds nor my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent out letters to each of the credit bureaus by mail on XX/XX/22 regarding unauthorized inquiries posted on my consumer report. I have yet to receive any response or update regarding my claim. It has been more than 30 days and they have failed to look into this matter. as a consumer I have rights to privacy, which each of these credit bureaus have violated. Equifax, XXXX and XXXX also known as a financial institution have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information being shared to benefit for monetary returns. They are in direct violation of 15 USC 1681 ( b ) - It is the purpose of his subchapter to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, they are also in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which they have failed to do this. I have never given, authorized or verbally consented to any of these transactions.

Please be clear that no consent or authorization is IDENTITY THEFT! Their willful noncompliance has resulted in identity theft which I demand to Cease and Desist! Pursuant to 15 USC 1681a ( d ) ( 2 ) Congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transaction and or experiences to be deleted in accordance with my written instruction.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a dispute to have account removed from my credit report and all negative information associated with the account. I requested this on XX/XX/2022 under the debt bondage repair act as I am a XXXX XXXX XXXX. I submitted my dispute via XXXX XXXX and it lost as under review this is beyond the allotted timeframe the agency has to remove the information according to law. A consumer reporting agency must block adverse information within four business days of receiving a consumers submission. 
A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing. 
Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of 1022.142 ( e ) ( 1 ) They did not reach out to me within 5 days nor did they remove the information within 4 days so I could move on to my other disputes one at a time. This is a direct violation of my rights as a victim of trafficking and consumer and federal law. I want this information removed so I may continue my other disputes and regain my freedom and life.
Complaint sub-issue: Their investigation did not fix an error on your report

For over 2 years Equifax have been reporting a Bankruptcy on my credit report that is not 100 % accurate. Every time I dispute only the incorrect information it comes back verified even though I provide proof that the case number and the court name is incorrect and they saying it come back correct because the social is correct. so i went to XXXX since that where they say they get there info from and now it has been deleted from XXXX. I ask Equifax to remove this Bankruptcy since there XXXX  is no longer publishing it and they violate my right by not deleting it and by not verifying if and still reporting on my credit. 
I have provide you a copy of my last letter to them before I take legal action if not remove. 
Please assist me CFPB
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX I filed disputes to all 3 credit bureaus. XXXX, EQUIFAX AND XXXX. I DID NOT RECEIVE ANY INVESTIGATION WITHIN 30 DAYS. I've sent letters no response and complaints. I beyond frustrated at this time.
Complaint sub-issue: Account status incorrect

Equifax reported 3 collections to my account all at the same time. Thus caused my credit score to drop 60 points. These accounts were all paid and show a XXXX balance on each account. I contacted all 3 collection agencies. All three stated they did not recently contact Equifax or update any information to my credit account.
Complaint sub-issue: Inadequate help over the phone

I faxed a letter to Equifax asking for this creditor " XXXX '' to be validated and removed off my credit report which I faxed on XX/XX/2017. I then called the next ( XX/XX/2017 ) business day to make sure it was recv 'd via fax and I spoke with off shore representatvie who told this was removed ( I asked her more than twice she said hold on researched and said " ma'am this is no longer on your credit report '' ) from my report so I assumed it was from my dispute I sent. I then asked her again she yes it is not on the report so my call ended at that point I assumed it quick due to being faxed. I then called back because I did n't feel confident about what she told me and got another off shore rep who told me it was not then I got aggravated so I asked for a supervisor. Next I explained to the supervisor what information I was given she then apologized but I told her that is not fair to me due to asking her more than once is that was correct. Then the supervisor wrote this up and I advised her that this creditor I sent them a letter and enclosed a copy of drivers license & social security card ( which I sent in error it should have just been the letter ) in error and XXXX on my part. I am upset about being given the wrong information.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I understand there was a remaining balance after the vehicle was repossessed and sold of approximately {$2900.00}. What is very concerning is the amount of interest recently added and reported to XXXX XXXX Iowa XXXX XXXX XXXX. The company alleges that interest accrued to a total of {$2700.00}, which is nearly equal to the original remaining balance. This company has also consistently made, removed, and adjusted notes on my credit report which has caused my credit to fluctuate greatly. In addition, the credit report has consistently showed that the account was a chargeoff/collection account, which made me further question the legality of adding such exorbitant interest to the account. {$2100.00} has already been seized via wage garnishment, so I am concerned that this company has done this seemingly unscrupulous XXXX and legal processes against other unsuspecting consumers with no means to investigate the legality of these actions.
Complaint sub-issue: Problem with product or service terms changing

The water finance company Aqua Finance was a fraud and not correct with their offering to give for their product everything was fraudulent and I think its not right to do people like that and I want it off my credit
Complaint sub-issue: Debt was result of identity theft

Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail DISCOVERBANK, XXXX, XXXX, and XXXX 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/2018 and prior I have disputed the negative account with all three collection bureaus and spoke to a representative explaining that the debt was not mine. I was able to show that I lived nowhere near the area at the time the debt was taken out. This debt is for a gym membership in XXXX, Ga.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2022 I spoke with a rep at Equifax about my identity theft and potential fraud. I was advised to fax or mail in copy of my drivers license and social security card along with a copy of my police report. I also sent them the documents I was able to get from one of the creditors that advised the inquiry was fraudulent and sent previously to Equifax months prior.I called back 5 days later to confirm if my documents were received, I was told yes and that my request would be processed. On XX/XX/2022 I received an updated Equifax report advising that the inquiries I stated were fraudulent were in fact valid and will remain. I called on the same day and the rep had advised me that an internal process was not completed properly and she would have to resubmit my dispute again and I will get my results within 30 days. On XX/XX/2022 I receive another updated report from Equifax and this time it shows where they deleted the items in question and at the same time validated the items as accurate within the same report. I called Equifax and on rep XXXX advised he couldn't do anything about my file because he couldn't see documents I faxed in only my driver license and social security card. I asked to speak to a supervisor name XXXX, she advised that she could see the documents i sent in but could not validate them to update my account she said another department called the specialty department handled those issues. XXXX could not explain why on my same report the items shows deleted and then the same items showed valid and accurate. XXXX told me I would have to submit a FTC report along with the same documents I sent on XX/XX/2022 that are currently available on Equifax system in order for them to reinvestigate my dispute. So now I have to resubmit this request for a third time because it appears Equifax is not willing to review any of the previous documentation sent. On the updated Equifax report you will see on pages 3 and 4 were the items in dispute were deleted and also validated at the same time.