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

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX  XXXX  XXXX  appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1.XXXX  XXXX - no balance is showing, limit of {$6000.00}, account partially listed - XXXX, date listed XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I was trying to get my son a new vehicle because his broke down. My salesman told me that I would be eligible, but with a very high interest rate due to my credit. I then ask to see my report and realized there was things on there I have never seen. These items need to be removed as soon as possible.
Complaint sub-issue: Debt is not yours

This account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report. 

XXXX XXXX - {$1100.00} XXXX - {$22000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$760.00}
Complaint sub-issue: Account terms

Equifax did not process items that were discharged in my bankruptcy. I mailed my discharge to them XX/XX/2016. I did another online dispute XX/XX/2016 and was told I had to mail my drivers lisc. SS Card, and utility bill in order for them to process.
Complaint sub-issue: Account status incorrect

Auto Pay for Macy 's credit card was activated on the wrong credit card account. I spoke to Macy 's customer service. Macy 's indicated that the previous account ending in XXXX was mistakenly not closed. Therefore, the new account ending in XXXX did not need to be opened. The Macy 's representative I spoke to on XX/XX/2022 removed all late fees for the new card ending in XXXX, and I made a payment for the balance remaining of {$310.00}. I was advised that the previous account is now closed ending in XXXX. I am asking that the late payment status from all Macy 's accounts with all credit reporting agencies remove the late status. Thank you! 

XXXX XXXX
Complaint sub-issue: Investigation took too long

I have tried to get Equifax to completely remove XXXX XXXX XXXX from my credit report due to how XXXX went about taking my truck with many phone conversations with Equifax about it. I also called XXXX credit numerous times for them to remove it as well. They have refused to over many years. Because of them I have not been able to get any credit. I also have disputed time and time again to have my inquiries for credit removed due to being turned down and they refuse to do that as well. I need all my inquiries removed off of my reports. Under disputes with these credit Agencies, they have removed the remove account option in order to do so and will not listen to comments or requests to do so in their add more information box with it. They also have never sent me paperwork on their investigations as well and the process they went through of documentation to make sure they did their job. The have not followed FCRA guidelines for Due process.
Complaint sub-issue: Unexpected increase in interest rate

I just made my XXXX payment on my ELAN XXXX card. I was surprised that the minimum payment due was so high. I checked the back of my most recent statement and found that the interest rates had been increased. I did not receive any notice of this increase. I have ALWAYS made my payments on time and for at least the minimum amount. I stopped using this card over one year ago in response to a notification of an unacceptable rate increase, and have been making payments over the minimum amount ever since to avoid any increase in interest. I believe this arbitrary increase without notification is opportunistic and punitive.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 Discover bank # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights, XXXX # XXXX  has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 ( a ) ( 2 ) it also states a consumer reporting agency can not furnish a account with my written instructions.

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 purpose.
Complaint sub-issue: Information is missing that should be on the report

I have contacted Equifax on 5 separate occasions both via phone and mail to update my credit report. Currently, neither one of my XXXX  XXXX cards are reporting to my Equifax. However, both are reporting to both XXXX   And XXXX. I have sent Equifax multiple copies of all three reports so they can update the information accordingly. I've also contacted XXXX XXXX to make sure they are sending the correct info to Equifax. XXXX XXXX has confirmed that they are sending the information, its just Equifax is not reporting the information altogether. Equifax has not been thoroughly investigating disputes and instead of investigating they have refused to acknowledge my dispute or just sent me copies of my report.
Complaint sub-issue: Account status incorrect

Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax, XXXX and XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Complaint sub-issue: Old information reappears or never goes away

In XX/XX/2018 I filed a dispute against XXXX XXXX XXXX. The dispute was validated and removed the ac ch int from my report. Now the account is back on my report with a different credit bureau ( XXXX  ). Also the start date was changed which re starts the statute of limitations. Which is illegal.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX {$760.00} company name general revenue corporation collection not my debt do not belong me wish it be remove asap
Complaint sub-issue: Other problem getting your report or credit score

Equifax refuses to unfreeze credit despite repeated attempts to do so. Possibly confusing me with my twin sister.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX I spoke to equifax about removing my fraud alert after being a victim of identity theft. I spoke to a representative named XXXX XXXX who had me verify my identity by providing my social and id. We had an email interaction while doing this ( his email was XXXX ). He mentioned that there was an issue with my report but that he had successfully removed my alert and freeze but that he would call me in 1 hour to confirm. I never received the call during those times so I decided to check my account on equifax to see if it was resolved. I noticed that the report was not longer showing the alert/freeze HOWEVER, my report had complete incorrect information!!! 

- An account that I been an owner for XXXX XXXX XXXX # XXXX WAS NOW - SHOWING AS AUTHORIZED USER WHICH WAS INCORRECT. 
- An account that I had removed XXXX BANK XXXX was back in my report! 
- XXXX of XXXX inquiries were now ADDED to my report from the past!! ( XXXX, XXXX, XXXX, XXXX XXXX ) EVEN THOUGH I ONLY HAD 1 AS OF XX/XX/XXXX!!! 

This means that whenever this representative corrected my information, he changed the account status of my account and also added these inquiries that did not belong to me and were no longer there as of XX/XX/XXXX. 

I called multiple times on XX/XX/XXXX but i could not get transferred to the same representantive! I also could not anyone to understand my issue and they all kept saying that it was correct however this was not the case. 

I have attached a report pulled from the equifax website as of XX/XX/XXXX which was showing the correct info. I also attached the CURRENT INCORRECT report which shows all of these incorrect changes! 

I demand an explanation of the miss handling of my report immediately and my account to be corrected. 

I demand these old inquiries to be removed XXXX, XXXX, XXXX XXXX XXXXXXXX I demand the account XXXX XXXX to be corrected as OWNER and NOT Authorized user. 

I also demand compensation, I have spent countless of hours trying to recover myself from being a victim of identity theft and I have received nothing but inexperienced customer support. This is not affecting my financial situation and its not acceptable. It is clearly a violation of my FCRA RIGHTS.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX has sent my private payment information to the credit bureaus with out my consent violating my privacy rights as a consumer. It states in the 15USC 1681 ( a ) ( 4 ) and ( b ) that consumer reporting agencies should exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, ( b ) 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. The credit bureaus should not be allowed to add my private payment information to any report sent by a creditor who is also violating my privacy rights by sharing my information without my consent. Therefore I demand that this account be removed immediately from my credit report.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. I am a victim of identity theft. I did not authorize these accounts. These accounts are fraud.
Complaint sub-issue: Information belongs to someone else

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OF OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Complaint sub-issue: Account status incorrect

There is a medical collection showing on my Equifax credit report that should have been deleted MONTHS ago. This collection is from XXXX  XXXX  in XXXX, ME and the medical practice it is from is XXXX  XXXX XXXX, who agreed to DELETE this collection several months ago and requested XXXX XXXX to send a DELETION REQUEST to Equifax, but it is STILL showing on my report a good XXXX months later. If this is not IMMEDIATELY deleted from my credit report, I WILL be taking legal action against Equifax AND XXXX  XXXX  and will be seeking monetary damages for FALSE CREDIT REPORTING. I have uploaded an image of the collection.
Complaint sub-issue: Transaction was not authorized

A person unknown to us withdrew from our Citibank XXXX XXXX Account { Account number : XXXX ] a total of {$4200.00} by issuing two checks to himself, drawn on his account at XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ; XXXX ]. 

We have copies of both checks. They were issued on XX/XX/2022. 
( Check images attached. ) The first check is for {$2300.00} and made out to XXXX XXXX XXXX [ from XXXX XXXX XXXX ], XXXX XXXX XXXX XXXX, XXXX Ohio XXXX. It is marked for emergency. 

The second check is for {$1900.00} and also made out to XXXX XXXX XXXX from XXXX XXXX XXXX and marked emergency payment 2. 

We did not authorize the withdrawal or payment from our Citibank account and do not know the person whose name is on the checks. Our debit card was never missing or lost. We did not authorize any withdrawal by this person or his bank. 

As of XX/XX/2022, the {$4200.00} taken from our XXXX XXXX account has not been returned to us.
Complaint sub-issue: Their investigation did not fix an error on your report

THEY HAVE NOT REMOVED THE INCORRECT INFORMATION. THEY HAVE NOT PROVIDED THE SUPPORTING DOCUMENTS TO SUBSTANTIATE WHAT THEY ARE REPORTING.
Complaint sub-issue: Information belongs to someone else

There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( Equifax, XXXX and XXXX ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XXXX/XXXX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue. 

2. In XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special XXXX XXXX Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!
Complaint sub-issue: Not given enough info to verify debt

LJ Ross has sent me what is on my credit report. This not validating what I 'm asking. Moreover, I am asking LJ Ross Assoc to validate background information with respect to the described account numbers. Since deleterious errors may be contained with respect to what you reported, I formally request that you send all relevant data within the 30 days.In addition, show that the accounts was established legally. I want more than only a cursory account history. Instead, this is a call for a formal documentary review. 
If this documentation can not be provided during the time delineated here, data forwarded by you to the credit reporting agencies should not be considered truthful and may indicate L J Ross Assoc 's intention to violate applicable federal and/ or state collection laws. In that case, please erase those bureau reported immediately. 
I also ask that no info given is medical description because there are thing that I only want a doctor to know Under the Hippa
Complaint sub-issue: Their investigation did not fix an error on your report

I SUBMITTED A DISPUTE TO ALL XXXX CREDIT BUREAUS ABOUT AN ACCOUNT NAME XXXX BANK ACCOUNT NUMBER XXXX THIS ACCOUNT IS CLOSED ON MY ACCOUNT ON ALL BUREAUS.. THEY ALSO HAVE IT REPORTING TWICE ON MY REPORT FOR EQUIFAX STATING ITS BEEN CHARGED OFF WITH A BALANCE. 
THIS ACCOUNT IS NOT MINES SO I DISPUTED THIS AND THEY HAVE DID NOTHING BUT DECREASED MY BALANCE AND CLOSED THE ACCOUNT THAT WAS ALREADY CLOSED DELETE THIS ACCOUNT IMMEDIATELY IT'S DESTROYING MY FINANCIAL LIVING.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment on XX/XX/XXXX incorrect reporting, I have no late payments on this account 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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

Status of closed account by XXXX XXXX Card is being re aged. Received an alert from XXXX XXXX under XXXX that as of XX/XX/XXXX the card was closed when it was previously reported as closed in XX/XX/XXXX. They are also showing twice on credit reports with XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This company, XXXX XXXX, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with XXXX  and Equifax, who will not update the status either.
Complaint sub-issue: Received bad information about your loan

I have been having issues with my student loan servicers regarding accessibility of information, transparency, servicer transfers, and payment refunds. My student loans were serviced by Fedloan up until XX/XX/XXXX, after which they were transferred to XXXX/XXXX  XXXX I made $ XXXX in payments to Fedloan during the COVID-19 forbearance period and paid the remaining $ XXXX to XXXX over the next several months , still within the forbearance period. I requested a refund of these payments when the BidenXXXX debt relief program was announced, on XX/XX/XXXX, and have been met with confusion, conflicting information, and stalling for months. It appears that Fedloan Servicing has lost information regarding my payment history when they transferred my remaining balance to XXXX/XXXX  because neither servicer can find history of it. As a result, XXXX is refusing refund of the first {$10000.00} of payments and delaying the {$17000.00} of payment history they do have record of. I have called Fedloan and they told me it was not their responsibility and that XXXX has to handle the refund. I have called XXXX 4 times, emailed once, and mailed bank statement history of payments directly to their office. Each call is met with operator confusion and telling me that the refund is processing on time but no one can give me a completion date. Every time I call I am told that it will be done by a different date, I was first told it would be done in 6 weeks, by XX/XX/XXXX. 4 weeks after my request, I got a letter saying it was just submitted and it would be 8 weeks to receive the refund, XX/XX/XXXX. First I was told that my loan balance would be reflected in XXXXXXXX XXXX website and then Studentaid.gov, now I'm being told I will get my refund and it will not update the balance? How am I supposed to pay off the loan then? In addition to the conflicting information, both Fedloan and XXXX 's websites restrict account access to website features once the loan balance is {$0.00}. XXXX prevents users from acccessing their account inbox to send messages and contact the company with questions or concerns. They then force uses to mail or fax to send documentation. Fedloan is the worst offender and restricts all access to the user 's account, including any and all payment history and tax forms. The current status from XXXX is that the refund is processing and is currently held up with their request to Fedloan for information regarding the loan payments that I made that they did not transfer and have no record of. These companies have truly mishandled my money and should be subject to punishment.
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and I saw that my credit score is low because you put some accounts there. I have no idea where did you get it I didn't use anything and never apply for it
Complaint sub-issue: Personal information incorrect

I have submitted disputes to all three credit reporting companies about incorrect address on my reports. They have all agreed that the only accurate address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. Yet all the other address are still listed on my credit report. One of the addresses being included on a fraudulent inquiry submitted through XXXX  on XX/XX/2020. They agreed to remove the addresses yet the addresses still populate.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX XXXX Attorney, XXXX and I contacted Equifax and spoke with their Fraud team. They agreed that XXXX XXXX/XXXX provided was fraud in the amount of {$5200.00}. They were supposed to remove. 

They still have not. 

On XX/XX/XXXX I filed a new fraud/dispute # XXXX to remove continued fraud of XXXX XXXX/XXXX customer and 3 new fraud accounts from XXXX XXXX. 

On XX/XX/XXXX they requested a full copy of the last XXXX XXXX Police Identity Theft Police Report. I faxed this to them at XXXX on XX/XX/XXXX at XXXX XXXX. I will attach a fax confirmation of this. 

On XX/XX/XXXX & XX/XX/XXXX I called again to make sure they received a copy of the faxed police report and they said they did not. 

Now they say they have closed confirmation # XXXX before I could submit the police report. They just closed the file without attaching the police report. Thus not taking off the fraud. 

I have faxed in all documents of fraud to verify fraud by the XXXX XXXX, TX and XXXX, TX Police Departments. 

They promise to remove fraud, but they do not. 

These same companies have been removed correctly from my XXXX and XXXX Credit files.
Complaint sub-issue: Investigation took more than 30 days

had an account showing on my credit report that was showing open when it should not have been and it was affecting my credit report negatively with a XXXX balance I disputed this and disputed it again and it's still has not been settled and is being again reinvestigated hi either the credit reporting entity or the account entity itself I also have the same exact legal name for the past eight and a half years now as another woman who is very very close to me and I have found to be linked to her in many ways before and we are not the same person but my information has been linked by same exact legal name even though it is not me but it is impossible to differentiate between the two of us this way.
Complaint sub-issue: Information belongs to someone else

I just reviewed my credit report and noticed errors on my file