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

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1500.00} ; XXXX Inquired on XX/XX/2022 ; 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: Account status incorrect

XXXX XXXX was dismissed in my bankruptcy with the last activity of XX/XX/XXXX. However, all 3 credit agencies reported it as a late payment in XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

My XXXX  credit report received a hard inquiry on XX/XX/2020 from : CITIBANK NA., BEST BUY Address : CITIBANK NA., BEST BUY, XXXX XXXX XXXX XXXX, XXXX XXXX , SD    XXXX I did not apply for a BestBuy credit card and believe a fraudulent application was made using my information. The BestBuy Citicard number : XXXX is not helpful. There is an automated system that requires either an account number or social security number. I do not have an account number and the account has not been opened yet so my social is not in their system. The automated system will not let you speak to a human representative under any circumstances I have tried numerous times. When I call the general Citi credit card number they always state they are unable to help and transfer me to the previously stated BestBuy number. I have filed a dispute with XXXX  and the determination of that dispute was the the inquiry was factual and if it was made fraudulently I would need to contact the same BestBuy/Citi number where I am unable to reach a person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted XXXX and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX/XXXXBankXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX Credit Cards/AirlinesXX/XX/XXXXXXXX XXXXHome FurnishingsXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX/XXXXFinanceXX/XX/XXXX XXXXCredit UnionXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXX Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE LOST MY IDENTITY AND I PILLED MY REPORT. THERE ARE NUMEROUS ACCOUNT THAT SEEMS TO BE INCORRECT ON MY REPORT. I SENT A DISPUTE LETTER ON THE XX/XX/2021 ABOUT THOSE ACCOUNTS THAT APPEAR TO BE INNACURATE ON MY REPORT. I REACHED OUT TO THE CREDITOR AND THE NEVER RESPONDED TO ME.
Complaint sub-issue: Information belongs to someone else

There are 13 accounts on my credit report from all three bureaus that are not mine and I have been disputing this since the beginning of the year and nothing seems to be happening these accounts do not belong to me they are not mine I dont knwo how else to do this!!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Frequent or repeated calls

Jefferson Capital Systems repeatedly sent letters to collect a debt so often that a member of my household, not myself, felt that it would " help '' me get them to stop attempting to contact me if she made a payment on the debt. This debt is over 7 years old and had already fallen off of my credit report, yet Jefferson Capital Systems still repeatedly sent me letters. Now that someone, who is not me, tried to do something kind to help me the debt has been reopened and sent on to a different collections agency. I knew this debt was old and that it was no longer reflected on my credit report. I did not make the payment and I would n't have allowed the payment to be made had I been aware. Jefferson Capital Systems had no right to continue to send me harassing letters until someone who did ; t know better finally caved and made a payment.
Complaint sub-issue: Problem making or receiving payments

On XX/XX/XXXX a company deposited XXXX ( money order ) this was on a thursday afternoon. Friday XXXX there was XXXX in XXXX purchases from my account then friday afternoon the money order or aka deposit was taken back. After all was said and done there was a negative balance of ( XXXX ). I tried to call the bank after XXXX and was on hold for over 3 hours. I finally got someone on the line and he said i would have to go to the bank and talk to a banker. Sat XXXX there is only one Bank of the West open. I went there sat XXXX   and spoke with XXXX and was informed that there was a breach in the mobile/online banking. I was then informed that it would be 10 to 30 days to investigate what happened. It has been 28 days now and they are not refunding me the money. I see on several sites that if you go in 2 business days or less i would be responsible for XXXX not XXXX. This deposit should never even been ok 'd for use. I need this money back as now i basically went to work for XXXX for free and still have bills due. i have the copy of the statement, i have a copy of the money order that was deposited. Please advise what else i am supposed to do to retrieve my funds. When i banked at XXXX XXXX XXXX XXXX   they would have held that deposit for 5 days before the funds would have been available.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX   account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Account status

My score dropped over XXXX points in less than 7 days, NOTHING on my report indicates what may have happened to indicate such a drop in score. I have reached out to XXXX out of the XXXX credit companies and am being offered general information on how scores are calculated. I am aware of how they are calculated, which is why it doesnt make sense or adding up HOW so many points were dropped from my score in a short amount of time ... it is discouraging and need specific help! Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted Equifax after contacting 3 creditors that are showing on my credit that I did not authorize as inquiries. I informed Equifax that the inquiry was fraud, and the creditors have agreed to delete from my credit file. The creditors said that they have sent electronic Communications to the bureaus, but Equifax is saying to me they have not received it. It has been 2 months. I have gotten a credit file update on today in the mail from Equifax saying that the inquiry will remain. I called and was told they have not received any Communications yet from the other parties. I spoke to the creditors twice and they said the information was sent and that they have always had issues with Equifax. 1 inquiry from XXXX has already deleted from the other bureaus, but not Equifax. All of the inquiries include XXXX, XXXX and XXXX. The creditors have even sent me letters verifying that they have agreed to delete from my credit which I sent to Equifax. However Equifax is saying that they can't accept it from me although they allow documents about other things. I've had to put a fraud alert on my acct due to recent unauthorized use of my credit information and they know this. I also have 4 student loan accts that are showing as duplicates. They all are listed as XXXX XXXX. If someone can assist me in this matter, I would greatly appreciate it. Thank you in advance.
Complaint sub-issue: Their investigation did not fix an error on your report

I never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX account number xxxxxxxx XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.
Complaint sub-issue: Reporting company used your report improperly

I contacted XXXX XXXX on XX/XX/XXXX about them violating my rights as a consumer and committing fraud by reporting late payments to my account without my express written consent to do so. Their fraudulent activities are outlined pursuant to 15 USC 1692c ( b ) : Communication with third parties- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. XXXX  XXXX had no prior consent from me, the consumer and natural person, to report these late payments, or the entire account for that matter, to my consumer report and they are in violation. 

Also, pursuant to Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX. All " late payments '' XXXX  XXXX posted on my consumer credit report were in the years XXXX, during the pandemic. They are in violation of the Cares Act by posting these late payments to my report while they had active Coranavirus Relief programs going for all of their customers.

Furthermore, pursuant to 15 USC 1666 b ( 4 ) XXXX XXXX is in violation of my rights as a consumer. 15 USC 1666 b ( 4 ) states : Billing error - For the purpose of this section, a billing error consists of any of the following : The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. All statements have shown the amount due as positive but how can my payments be late when the balance shows as a positive and not a negative. They can't their statements prove that the " bill '' is already paid.
Complaint sub-issue: Reinserted previously deleted info

equifax shows a car repo from 2008 on my report twice all other agencies do not show it at all after i filed bankruptcy which this was covered in the bankruptcy even if it should be there it should not be there twice this is greatly affecting my credit score
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, has violated my rights. 
XXXX XXXX XXXX. # XXXX XXXX XXXXXXXX. # XXXX 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: Account information incorrect

XXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. 
Transaction history is not to be reported according to the consumer laws. 
The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. 
The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.
Complaint sub-issue: Information belongs to someone else

I checked my credit report and saw that there are 3 student loans on my credit report that are not mine. I listed these 3 accounts on a Identity Theft Report. I have reached out to XXXX, EQUIFAX AND XXXX AND LET THEM KNOW THAT THESE ARE NOT MY ACCOUNTS BUT THEY HAVE NOT CHANGED MY INFORMATION.I have no idea how i have these accounts on my profile. XXXX, XXXX AND EQUIFAX are BREAKING THE LAW because although i have disputed these items, They are in violation of federal consumer law. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. I as a consumer have NEVER given EQUIFAX, XXXX OR XXXX ANY Written instructions or consent to report anything on my credit report. NO CONSENT MEANS IDENTITY THEFT. I am demanding these 3 items be removed because it isn't fair to me as a consumer and they are fraudulent accounts. If they are not removed, I will not extend my credit to anyone anymore or allow Equifax, XXXX or XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. There are inaccuracies on these fraudulent accounts as well and these 3 consumer reporting agencies aren't reporting the same information. These inaccuracies on my credit report it has caused me to lose faith in the banking system. If Equifax. XXXX and Equifax wants to continue doing business with me then they must delete these Inaccurate accounts off my consumer report. This isnt fair to me as a consumer.
Complaint sub-issue: Problem getting your free annual credit report

equifax annual credit report & myequifax have been down, unable to access my personal credit file for 3 days. I am sure equifax has sold thousands of credit reports for mortgages and auto loans the past 3 days, but I can not access my credit? 

plus the cfpb allows equifax to continue to not address and settle the 2017 data breach? 
how long will this be legally allowed to continue? its been 5 years since my data was stolen and still nothing has been done about it? 

and they don't even publish a phone number to call?
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING UNKNOWN ITEMS AND INACCURATE THINGS ON MY CREDIT REPORT TO THIS DAY XX/XX/2021, XXXX  DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET AND I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND IGNORED OF MY DISPUTES. MY INFORMATION WAS ALSO AFFECTED BY THE EQUIFAX DATA BREACH.
Complaint sub-issue: Investigation took more than 30 days

Hello my name is XXXX XXXX. I recently checked my credit report and was able to see a bunch of fraudulent actions taken in my name. I saw numerous fraudulent accounts as well as inquiries on my credit report. This is frustrating because I never attempted to get any lines of credit with these companies, and now this fraud is hurting my credit score. I am very frustrated at the fact that I have tried to resolve this many times. I will place the items I want removed below along with an FTC report and proof of ID.
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Delete all hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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: Banking errors

On XX/XX/2021, XXXX XXXX initiated a ACH pull out of my Discover Bank XXXX account into my XXXX XXXX account in the amount of {$10.00}. 

However, XXXX XXXX realized that my XXXX XXXX account has been closed, so they returned the {$10.00} back to Discover Bank ( see XXXX XXXX response to the CFPB attached ). 

Now that it is XX/XX/2021, the returned {$10.00} still did not show up in my Discover account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

long story short i bought a washing machine part off XXXX. XXXX completely botched the case I had opened and refused to correct it, so I did a charge back with my credit card who also botched that dispute as well and went to the XXXX for help and they sent me san email claiming they had requested pictures of the damage item which i never received and i would have gladly provided it if i was informed. this involves Dispute ID : XXXX pic of the damaged item is being attached to this complaint. 

since this is being filed i also never received my credit card replacement either or any letter they claimed was sent out on XX/XX/XXXX requesting information. i have filed over a dozen complaints against the post office over the last couple months for various issues including missing mail.
Complaint sub-issue: Investigation took more than 30 days

I have disputed this account with Flagship three times and nothing has been sent to me proving the validation of this account. It has been over 120 days since the first letter was sent i send a new one each 30 days and still no response. 
I have also disputed with both XXXX and XXXX and they still fail to provide me with adequate information or documentation of validation of this account. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IMMEDIATELY as all of these companies are violating my rights and refusing to help solve the issue.
Complaint sub-issue: Account information incorrect

I have been trying to resolve this issue with the XXXX bureaus for months in this account XXXX XXXX  XXXX {$18000.00} Account number XXXX. At XXXX point the XXXX bureaus reported it as being in collection for XXXX month then they reported it being late and now closed. I have never been late as I take this matter seriously. I have requested by certified mail for the XXXX bureaus to provide full validation under FCRA and also requested them to provide documents on the company right to collect or deem its late. I have not received any such documentation. Because of this inaccuracies, I can't apply for a home loan. All my children are an adult and I have even continuously provided {$200.00} per month to help them out.