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

I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below.
Complaint sub-issue: Debt was result of identity theft

I dont owe this bill I dont even live in XXXX  I live in XXXX XXXX . This is fraud and it needs to be removed immediately
Complaint sub-issue: Information belongs to someone else

I have tried to dispute accounts with XXXX  ( XXXX XXXX XXXX XXXX ) and I have not been successful in deleting accounts and XXXX  is no compliant with FCRA 605B. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove these specific wrong accounts.
Complaint sub-issue: Debt was result of identity theft

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

The day last active and the day last reported are all different
Complaint sub-issue: Account status incorrect

XX/XX/2017 XXXX XXXX XXXX  bought my mortgage. I was given a letter saying the auto-payment was set-up before payment was due in XXXX and the letter not making any significant notice of when the auto-pay would start rather hiding it in the body. It was also approved right before a payment was due and through a lengthy process of sending letters back and forth. The payment was never taken and I was given a letter of notice saying I was late. Upon receiving the letter I called and was apologized to, they removed the late fee and had the difference be taken by the next auto-pay cycle. I was promised it wouldn't show up on my credit report and that the auto-pay system will pick up the following month rather than XXXX. Which makes me wonder why in the first place it was scheduled so far off. A few months pass and it shows up, I called back and a woman told me it had to go on the report as it was a missing payment. She said she would not remove it and she didn't know who I spoke with but he was incorrect. I ended up getting a law firm to combat these with the credit bureaus and all but Equifax has removed the item. I am now in the process of buying a home and because of this item not being removed I am at risk of losing out on a home.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was part of both company data breaches when XXXX  system was compromised and this past year I was notified via email of the issue. I went from having 12 Inquiries that I have valid accounts for to 49 and some are done in the same day multiple times and some in the span of 3 days. I have not done the 49 inquiries. I called Equifax multiple times for help to rectify the situation and to no avail I am still in the same spot, they told me to call each creditor which I attempted to do with 5 of them but i have the same result they have no knowledge or information showing I applied and to call Equifiax back this has been on going and it just seems as if Equifax does not want to help when their system compromised my information. I have provided the inquiries below and before they send a definition of what a hard inquire is I know very well a factual record but its not factual if somebody is using your information. So I have a Security freeze on my reports now.

Below are the following inquiries : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

Company has wrong information on me and thus not receiving proper notification on debt being sent to collection. Proper notification wasn't sent in advance on debt was going to be sent to collections. No effort was done to try and reach me before hand. Also they called a family member that I have no communication with to try an locate and having the correct phone number to reach me.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXXXXXX XXXX XXXX I entered into a Covid forbearance. I was told in both writing and verbally that there would be no negative reporting to my credit report. I complied with all of the Covid forbearance guidelines. My credit currently shows me being late on my mortgage the whole 8 months I was the Covid Forbearance.
Complaint sub-issue: Information belongs to someone else

Greetings, I have initiated a multiple disputes with Equifax over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for Equifax to respond with validated proof per the Fair Credit Reporting Act. I have provided all requested documents to Equifax including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors " XXXX XXXX XXXX '' " XXXX '' and " XXXX XXXX '' but they have also fail to fully validate contractually the account belongs to me. Below are the reporting accounts and addresses that should be Removed / Deleted from my Equifax credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX - Account # : XXXX 2 )  XXXX/XXXX XXXX - Account # : XXXX 3 ) XXXX XXXX - Account # : XXXX Reporting Addresses : 1 ) XXXX XXXX XXXX XXXX, PA XXXX 2 )  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

Several months ago, I disputed the reporting of a old XXXX XXXX XXXX XXXX account to the credit agencies. As of today, this account is still being reported, although it is over ten years old.
Complaint sub-issue: Problem with fees

In a XXXX  store ( Jersey City ) I made a purchase of {$30.00} in XX/XX/XXXX using XXXX XXXX XXXX store credit card. I did not receive any email notification on my account status in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX regarding outstanding balance and/or late payment fees. 

Today, XX/XX/XXXX I reviewed my account and discovered late charges for $ XXXX.I spent several hours trying to speak with a representative to resolve this issue and either they hung up on my call or kept forwarding. 

I refuse to pay this amount as I had no idea that I even owed {$30.00} in XX/XX/XXXX. Let alone a staggering amount of {$100.00} late charges. 

I request CFPB to help resolve this issue and ensure bad business practices such as these are eliminated so another consumer does not have to go through this nasty experience. 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account DISCOVER BANK Date opened XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the Fair Credit Reporting Act. This of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 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 Has Violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man 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: Information belongs to someone else

Across the three credit bureaus they have been neglectfully holding information against me all the while not reporting back to me as it has been more than 30 days since I reached out regarding my credit report about accounts due to identity theft. My identity was compromised a few years ago as I was left defenseless to end the attacks and figure out who was opening accounts in my name, making unauthorized purchases and by the time I found help to lock my reports it was already too late. I completed the information required such as an FTC complaint and so forth as well as added fraud alerts however equifax, and XXXX along with XXXX have neglected to investigate my concerns as you will see on the attached documentation breaking FCRA rules and regulations all the while keeping me in the dark. There are dozens of fraudulent accounts across 3 bureaus stuck on my report in which I am reaching out to the cfpb to help me with this as these bureaus are purposely leaving fraudulent information and inaccurate information on my report. They also said I failed to provide information however, I have sent in all the information months ago as you can see on the documentation I will have uploaded providing everything I sent to them. This needs to stop after this my last resort is pursuing legal action
Complaint sub-issue: Information belongs to someone else

I pulled my credit report and noticed my low score. I took a look at the things that were hurting me and noticed inaccurate information. I called about the account stating that I had several missed payments and noticed each one are reporting something different on all 3. Can you remove this off my account immediately! I never had this account and dont know where it came from.
Complaint sub-issue: Was not notified of investigation status or results

From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT MS XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on XXXX  it says XXXX and on equifax and XXXX  it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
Thank you
Complaint sub-issue: Didn't receive enough information to verify debt

Enhanced Recovery Company XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern, On a recent review of my credit report, I discovered Enhanced Recovery Company is reporting a debt that I have previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am disputing this debt in entirety. I am requesting that Enhanced Recovery Company provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Enhanced Recovery Company cease and desist from all collection activity pertaining to this account. Enhanced Recovery Company are only to contact me via mail at my mailing address. I am allowing Enhanced Recovery Company a period of 30 days to produce this information. If Enhanced Recovery Company is unable to validate the account, then they are to remove the collection account from all of my credit reports. 

Enhanced Recovery Company failure to act will result in this matter being referred to the XXXX XXXX XXXX and the Attorney Generals Office.
Complaint sub-issue: Information belongs to someone else

My identity was compromised after the Equifax XXXX XXXX and stolen. Accounts and credit checks have been submitted in my name that I never authorized. 

For months I have resubmitted my FTC report, only for Equifax to do nothing. I have been on the phone being transferred to various different departments for over 5 hours for weeks on end. Never had this issue resolved. 

I filed an FTC report, a police report. They refuse to remove the following fraudulent inquires offering different lies each time of why they won't do their job. XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX delete these as you promised. You are a part of the fraud and have violated my consumer rights. As a result of your incompetence, my credit score keeps going down.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

there were several inquiries in my credit on XX/X/17 regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit
Complaint sub-issue: Account status incorrect

I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

I tried to speak to a XXXX credit card representative about my suppose late payment showing up on my Credit Report and causing my score to drop! They did not want to listen to me and just ended the call, they offered no help and I was truly disappointed, I tried to resolve it with them on XXXX of 2022
Complaint sub-issue: Problem during payment process

On XX/XX/19 a payment was submitted for {$1000.00} it should have been for {$100.00}. I called the company and the representative said 3-5 business days to see if it will be approved. My bank is overdrawn and I need the funds back into my bank account as soon as possible.
Complaint sub-issue: Banking errors

It appears that PNC Bank is authorizing pending charges but not reimbursing once the transaction is posted
Complaint sub-issue: Reinserted previously deleted info

Credit Complaint Record XX/XX/XXXX Equifax - Disputed Items Account Name Account Number Type Disputed Since XXXX. XXXX, XXXX ( XXXX XXXX ) XXXX Collection XX/XX/XXXX (? ) N/A XXXX XXXX XX/XX/XXXX (? ) N/A XXXX XXXX XX/XX/XXXX Note : Page XXXX is the escalated notarized complaint to Equifax. 
Pages XXXX show that the XXXX account was removed 3 times from my Equifax report in XX/XX/XXXX! The credit bureau verifies that it is erroneous and takes it off but the company is practicing unfair reporting. Please have this permanently removed from my file. 
The XXXX additional " N/A '' accounts were payed off over a year ago and have not been removed by Equifax. 
Dear CFPB, The items listed above have been disputed multiple times since the initial date listed beside them. Attached please find the supporting documentation that shows what actions were taken through either me or through the XXXX XXXX XXXX to try and resolve these credit errors. I have attached the verified records of the credit disputes and pray that you will assist me with getting these items resolved from my credit.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX Auto Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX Acct # 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.
Complaint sub-issue: Company closed your account

As a consumer affected by XXXX XXXX covered major disaster period that is still ongoing, I have recently become aware that my consumer rights have been violated on several occasions. According to XXXX XXXX Sec XXXX, no person XXXX furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period. Sec. XXXX also restricts collections on consumer debt during a national disaster or emergency. Debt collector means a creditor and any other person or entity that engages in the collection of debt, including the Federal Government and a XXXX government, irrespective of whether the applicable debt is allegedly owed to or assigned to such creditor, person or entity. Discover Bank has closed my credit card account, furnished adverse information to my credit file and also caused me to lose other credit opportunities by damaging my credit score/financial reputation. The president has not declared the XXXX XXXX to be over therefore this is still in effect. Discover Bank is noncompliance with federal law and has willingly and intentionally harmed me. I demand all adverse information to be removed from my credit file immediately, for my account to be reopened and a new card sent to me.
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX a fraudulent unauthorized closed account and account number # XXXX reappeared on my credit report. My information was leaked in the XXXX equifax data breach and was also leaked in the XXXX  XXXX data breach.
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Citi and XXXX The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Citi Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Public record

I do not understand what or why I 've been filed with the following agency. I tried contacting them but I have to call during working hours Monday thru Friday. I ca n't because I 'm at work during those hours. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *this number is wrong. The correct number is XXXX.
Complaint sub-issue: Debt is not yours

There is a medical bill from my daughter on my XXXX credit report. My daughter had XXXX at the time of service and the bill was placed on my credit in error. It was originally placed on my XXXX, XXXX and XXXX report. When I saw this error, I contacted all three agencies to let them it was incorrect. XXXX and XXXX removed the account after confirming it was not my debt. However, after multiple disputes and talking to both the XXXX and the reporting agency, XXXX is refusing to remove the account. Even though it has been proven to not be my responsibility.
Complaint sub-issue: Information belongs to someone else

This loan with Faye servicing belongs to XXXX XXXX. XXXX XXXX did not sign the promissory Note or mortgage. Please remove from my credit
Complaint sub-issue: Charged too much interest

I recently received an Envelope post marked XX/XX/XXXX from Citi Bank. There was no cover letter only Account Statement from XXXX XXXX. 
I filed a Written Dispute in XXXX, regarding a Purchase I made with my Home Depo Credit card totaling XXXX. I paid the deposit on XXXX and the balance on XXXX. 
It did not show up on my XX/XX/XXXX statement with closing dates XXXX. 
On my XX/XX/XXXX Account Statement it showed up as a credit for the Total amount of XXXX, but then added right back in to Purchases totaling XXXX. 
Then on my XX/XX/XXXX statement only a partial credit was apply XXXX was credited from my account leaving a balance of XXXX. 
Then in XX/XX/XXXX statement I was charged for the XX/XX/XXXX XXXX XXXX for a then showing a Balance of XXXX. 
I was informed in writing that the total purchase amount XXXX was Charged back to my Home Depo credit card account, but as the statements prove, the balance reflected that amount included in the Total amount due. 
The Account was charged off with the incorrect balance. 
This account is discharged through Bankruptcy XX/XX/XXXX.