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

This to me is crazy. So Im submitting it again hopefully for the last time. XXXX and Equifax have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below waswere opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Complaint sub-issue: Attempted to collect wrong amount

The company is reporting simply paid on the accounts that I paid in full. I requested the company delete the accounts off all three reports and they only deleted it from XXXX. There is one left on XXXX and all four on XXXX. This makes it look as if I settled, they need to either update paid in full or delete them as originally stated.
Complaint sub-issue: Information belongs to someone else

I recently noticed several accounts and inquiries on my report that I didnt authorize, after being denied credit for a car loan.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2018 I reported a dispute with XXXX on my account they never completed the dispute and they dont let me create another
Complaint sub-issue: Didn't receive enough information to verify debt

An existing CFPB complaint ( XXXX ) revealed the debt collector had transferred the account back to the original creditor. However, this company stated the account was transferred on XX/XX/XXXX back to Citi Recovery on behalf of Department Stores National Bank. 

If the account transfer is true, I have not received any communication from Citi recovery since this transfer occurred. The account is now approaching 60 days without any communication to the consumer. I have included the debt collection agency 's response ( the text of complaint XXXX below for reference. 


Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We are in receipt of the complaint of Mr. XXXX, forwarded to our office through the portal on XX/XX/XXXX. Upon receipt of your correspondence, we documented this complaint and forwarded a copy to our client, Citibank , N.A . In reviewing our file, we find that on XX/XX/XXXX we received Mr. XXXX letter of XX/XX/XXXX, a copy of which he included with his complaint. As Mr. XXXX correspondence advised us of his dispute of the balance, we requested documentation from our client to validate the debt. On XX/XX/XXXX we received the documentation and forwarded a copy to Mr. XXXX for his review. This account was then recalled from our office by Citibank , N.A . on XX/XX/XXXX, and is no longer active on our system. For assistance with this account, Mr. XXXX can reach out to Citibank , N.A . at his convenience at XXXX, and they will be happy to assist him
Complaint sub-issue: Their investigation did not fix an error on your report

DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE XXXX XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Debt is not yours

I sold a vehicle in XX/XX/XXXX and reported the sale on the Oregon DMV website. Nearly five years later ( XX/XX/XXXX ), the vehicle had never been registered or titled by the new owner. The car was towed and I received a letter from XXXX  ( XXXX bureau of transportation )  stating that a vehicle registered in my name was towed by XXXX XXXX. XXXX XXXX   started a lien, who also later sent me a letter saying the vehicle would be auctioned to pay the debt. I ultimately received a notice from a debt collector ( XXXX XXXX ) with a {$870.00} bill. I called them and notified them that I was no longer the owner and that I reported the sale. I went to the oregon DMV and requested the record. The record did not include the buyers address, which is not a required field to report a vehicle sale ( see attachment ). XXXX XXXX has this record, which also includes the buyers name. The record includes the fact that I did report the sale in XX/XX/XXXX such as to release my interest in the vehicle ( XXXX XXXX XXXXXXXX ). XXXX XXXX  refuses to accept this DMV record because It does not include the address of the buyer. I do not believe they are just in continuing send me bills/phone calls for this debt.
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I mailed in a letter requesting the deletion of several accounts that were inaccurately reporting to my credit. The company did not give an update regarding the investigation. The company also refused to properly update and validate the disputed accounts. In addition to the above, I requested the removal of ALL credit inquiries reporting to my credit that are NOT tied to an open account and the company has not cooperated in any way.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$800.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance : {$2300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8700.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Billing dispute for services

A posted Judgment filed on XXXX in the amount {$1200.00} for apt XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX stated there was mix up due someone living with my same name. XXXX. Vendor info- LexisNexis XXXX XXXX XXXX XXXX XXXX ... I also called XXXX XXXX where case # XXXX XXXX Texas they said I needed to get with the apt complex. It was filed on XXXX. During all this time supposedly I lived there, I lived at XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Personal information incorrect

I have disputed now three times with nothing back and information is still inaccurate. There are different names, addresses etc reporting on my credit and things that don't belong to me. 

What do I do for the credit agencies to fix these?
Complaint sub-issue: Information belongs to someone else

Greetings, I have made attempts on several occasions to apprise all XXXX credit bureaus of my concerns. I went through the process of filing an identity theft report and sending certified letters, to dispute an account ( XXXX XXXXXXXX with a {$0.00} balance ) that is due to identity theft. 

Though I had an authentic identity theft report, I was told that the report was not authentic and the account remains on my reports. These credit bureaus are not exercising ethical practices consistent with the Fair Credit Reporting Act. 

I have recently sent letters to continue to request proof that the account in question belongs to me. The original address that they have on file is not an address that I have lived. They are continuing to send letters with old statements in response to my request to verify the account. They have yet to provide anything with any proof reflecting my signature. This is unlawful and it is negatively impacting my credit.
Complaint sub-issue: Information is not mine

I RECENTLY CHECKED MY CREDIT AND NOTICED A XXXX XXXX XXXX SVCS ACCT REPORTING A CHARGE OFF FOR XXXX ON A VEHICLE IVE NEVER OWNED OR LEASED, SO I IMMEDIATELY FILED A DISPUTE WITH THE CREDIT BUREAU WITH ALL SUPPORTING DOCS TO PROVE ITS NOT MY ACCT. UPON COMPLETION OF DISPUTE IT CAME BACK VERIFIED AS MY ACCT SO I CALLED EQUIFAX AND THEY STATED XXXX VERIFIED ITS MY ACCT SO I CALLED XXXX TO ASK HOW THIS ACCT WAS VERIFIED SO THE REP XXXX AT XXXX XXXX WAS VERY HELPFUL AND ASKED MY SSN # AND IMMEDIATELY TOLD ME ITS NOT MY ACCT AND SHE WOULD IMMEDIATELY WORK TO GET THIS MATTER REMOVED FROM MY CREDIT REPORT. SO THE NEXT DAY I CALLED TO FOLLOW UP AND SPOKE WITH XXXX XXXX WHO ALSO VERIFIED ITS NOT MY ACCT AND WOULD WORK TO HAVE THIS ISSUE RESOLVED A COUPLE HOURS LATER I RECEIVED ANOTHER PHONE CALL FRM XXXX XXXX STATING I NEEDED TO FILE A POLICE REPORT STATING MBFS ACCT XXXX WAS A IDENTITY THEFT CLAIM OR MBFS WOULD NOT REMOVE THIS ACCT OFF MY CREDIT WHICH IS BLATANTLY WRONG WHEN ITS NOT MY SSN # ATTACHED TO THE ACCT NOR MY PERSONAL CONTACT INFO SO WHY SHOULD I HAVE TO FILE A FRAUDULENT POLICE REPORT TO HELP YOU RESOLVE AN ISSUE THATS NOT MINE AND NOW THIS ACCT HAS BEEN REPORTING AS A REPOSSESSION ON MY CREDIT REPORT NOW OVER 30+ DAYS NOW AND WILL REMAIN THERE DURING AND INVESTIGATION PROCESS OF 30 MORE DAYS TOTALING 90 DAYS TO BE PENALIZED FOR AN ACCT THATS NOT MINE AND THIS MATTER HAS DROPPED MY SCORE DRASTICALLY AND I CANT REFINANCE MY HOME NOR BUY A NEW CAR OR APPLY FOR CREDIT OR EMPLOYMENT DUE TO THIS ERROR ON THEIR BEHALF WHICH IS UNACCEPTABLE. ITS BLATANTLY A FCRA VIOLATION THATS HENDERED ME TO THE FULLEST EXTENT AS A CONSUMER AGAIN IT UNFAIR. SO I HAVE NO CHOICE BUT THE SEEK COUNSEL AND FILE A LAWSUIT IN LOCAL OR FEDERAL COURT ON THIS MATTER AND SUE FOR DAMAGES AND PAIN AND SUFFERING DONE TO ME AS A CONSUMER .. 
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Managing the loan or lease
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has sent me mail stating In order for them to block information from my credit report that an FTC report ( identity theft ) report must be submitted. I have submitted my FTC report many times to them. Please delete this account immediately.
Complaint sub-issue: Reinserted previously deleted info

These XXXX accounts keep getting re-added after being deleted. i have provided the XXXX for the XXXX account and the FTC ID Sworn Statement for the XXXX card account. 
Name : XXXX XXXX Acct # : XXXX Name : XXXX XXXX XXXX Acct # : XXXX These inquiries below are not mines and I have asked the banks directly to delete inquiries. I did not authorize dealer to make all these inquiries to my credit report. I even requested that in my email more than once not to submit deal to any banks. 

Inquiries XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 This is a fraudulent inquiry. 
Inquiries XXXX XXXX XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries null/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : :XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry.
Complaint sub-issue: Reporting company used your report improperly

On or around XX/XX/2021 when signing up for timeshare as a single individual there was no credit pulled or stated due to property was being taken over at the same rate and amount that was owned by the original owner. Three months later I noticed westgate being report without my written consent
Complaint sub-issue: Card was charged for something you did not purchase with the card

Someone got my card, charged {$220.00} from me, ordered a bunch of stuff from XXXX, XXXX, XXXX XXXX XXXX, there was quite a bit more but I cant remember what else it was that they got. All I know is that when I tried to use it the machine kept on denying my card. So I had to order me a new card, I am still getting money taken from me every month there is almost {$150.00}. missing off my card, I dont go anywhere to buy anything, I dont order online. My S.S.I money is the only way I live, having people steal it from you each month its hard to live on it. I HAVE HAD MY IDENITY STOLEN FROM ME, THATS THE REASON WHY I CANT GET MY CREDIT SCORE UP. There are people out there that is using my Social Security number to get credit cards, all kinds of other things while I sit here trying to get our own place to live, we cant even do that because someone is putting my name to shame or giving me a bad name for using my information. WOULD YOU PLEASE CHECK OUT MY XXXX XXXX  ACCOUNT, MAKE SURE ITS NOT ME THATS TRYING TO PURCHASE CREDIT CARDS, LOANS, CARS.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS/INQURIES ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates XXXX  XXXX they notify of any changes in credit scoring on both XXXX, and Equifax. The problem has been a car loan I am joint account holder on. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to XXXX the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission ( Refer to Publication by F.T.C XX/XX/2014 XXXX this company is still practicing in the same unfair credit reporting ways to the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with XXXX  and Equifax, XXXX. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an XXXX  XXXX XXXX  on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops 78 this month and 101 points last month because of late payment made by my wife whereas her score drop 20 to 30 points on XXXX  because of XXXX.. When i spoke with XXXX XXXX while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or XXXX. Why I'm I not being treated with fairness in this.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a compliant about credit bureau equifax. When I did they dropped my credit score by more than 25 points and nothing has changed since last score received from them. The same accounts are on my report and nothing has changed for them. They updated accounts that have been according to last report been closed. I disputed info on my report that I did not authorize nor had any knowledge about. Now they have updated accounts that I had no knowledge of and refused to properly investigate items and accounts are closed. Can some one help me. Unauthorized inquiries from XXXX/XXXX, XXXX XXXX and XXXX XXXX. This is very sad that consumer reporting agency would instead of investigating inaccurate info they are further victimizing people. Can someone please help.
Complaint sub-issue: Confusing or misleading advertising or marketing

I purchased a vehicle from CarvanaXXXX. The vehicle I chose, a XXXX XXXX XXXX XXXX, I chose it specifically because it was advertised to have the adaptive cruise control feature. I received the vehicle and the delivery person commented on how cool the feature was. During my 7 day trial period I sat down to figure out how everything worked and discovered that the vehicle does not in fact have adaptive cruise control. I contacted Carvana on XX/XX/XXXX and was told a ticket would be opened to have the issue resolved. I never received a response so I reached out via text on XX/XX/XXXX and was told the most they would do was to send me a {$500.00} check for the inconvenience. A XXXX search confirms that to have the feature added would cost approximately {$2500.00}. I feel the advertisement was misleading and I was tricked into keeping the vehicle by them stalling by opening a ticket for the issue putting me past the 7 day trial period. I feel this situation violates UDAAP and is false advertising.
Complaint sub-issue: Reporting company used your report improperly

Beginning in XX/XX/2021, XXXX XXXX XXXX, XXXX fraudulently starting reporting repossession on my credit reports with all 3 bureaus. Via thorough documentation, I submitted disputes to have it removed so I may proceed with increasing my score and purchasing a much needed vehicle. Meanwhile, Ive been in civil litigation with XXXX XXXX XXXX and also reported company to Dept of Ag and CFPB who forwarded to FTC. Upon receiving the disputes, XXXX XXXX XXXX removed the repossession as required by law, but out of retaliation replaced my account in paid good standing but closed status with a charge off and marked the XX/XX/2021 history as unpaid, although I was not even in possession of this vehicle in XXXX and this contradicted their earlier claim on my credit. 

I once again disputed this claim, prolonging my ability to purchase a vehicle. Equifax, XXXX  and XXXX have not removed this status and do not seem to have record of the previous claims in which this contradicts, violating consumer rights law. This frivolous and false reporting is being allowed and not monitored thus damaging my credit and ruining my life
Complaint sub-issue: Attempted to collect wrong amount

Contacted Americollect on XX/XX/2015 via certified mail requesting the information on the alleged debt. Americollect responded back on XX/XX/2015 with the information has requested. 

We have continually been making payments on this medical debt for the past year, as the amount of the original debt was too much for us to pay all at one time. Americollect has reported this medical debt on both my wife 's and my credit report and I have asked them to remove it, as payments are continually being made, and they refused. In addition, they have multiple negative reports on each of our credit reports for the same single debt. I 've asked them to consolidate this to one report on only one of our credit reports for the corrected amount and they 've refused to do that also. We are making payments on this medical debt and anticipate having it paid off prior to the end of this year, but Americollect needs to report only one amount on one individuals credit report, not multiple amounts across each of our credit reports. 

We just want this multitude of unnecessary information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.
Complaint sub-issue: Received bad information about my loan

I was enrolled at XXXX XXXX college in 2011 for XXXX. I took out a private loan with genesis and want to know if my loan was covered by the settlement that was reached that would force genesis to repay the loans?
Complaint sub-issue: Information is incorrect

EQUIFAX is reporting transactions and experiences on my consumer report which include late payments, Past due amount, Original balance, Monthly payment, Terms, balance, credit limit and monthly payment from the following company : XXXX XXXX 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) transactions or experiences are not to be reported on a consumer report and pursuant to 15 U.S. Code 1666b a payment on a credit card account under an open end consumer credit plan is not to be treated as late for any purpose. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. This company and their inaccurate reporting have damaged my livelihood.
Complaint sub-issue: Debt is not mine

Amount : $ XXXXThis letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. 
This is the XXXX time that this company had listed a debt in my name and I believe they are playing a fraud game and I wish bring a suit against this corporation. I have previously disputed their entries, yt every 6-7 months, they re-appear attempting to collect money that is not rightfully theirs ; a debt that is not mine. 
Something must be done about this company. The internet is full of stories of this company sending out debt letters to people where the money does not belong to them or their identities have been stolen. 
I need to know how to I file a harassment claim against these unscrupulous collection agents! 
Am I going to be going through this for the rest of my life with this company? 
SOMETHING MUST BE DONE ABOUT THEM!
Complaint sub-issue: Problem with fees

I had a hardship in my life and my financials werent right. I couldnt pay for basically anything and became dependent on my parents and since they had too much on their plate I couldnt ask them for help for my card.
Complaint sub-issue: Debt was result of identity theft

Lending club stated I received funds into my bank account on XX/XX/2018. My account was put on hold due to identity fraud and hacked on XX/XX/2018 as the bank Say I would have not been able to receive any deposits or withdraw any. I sent the bank statements to lending club fraud department and the bank manager also stated she left 6 voicemails within two days and never received a call back. I ask lending club to remove the account after doing more investigations. The lending club is forcing me to pay for a XXXX XXXX loam I never received in the amount of {$7100.00}. They sold the debt to XXXX XXXX investigator as {$8100.00}. I sent the same paperwork to XXXX XXXX  email and didnt get any responses. I even tried negotiating the XXXX I had in my savings to get the account negotiated and written off.