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

I contacted Equifax on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Greetings, This has been a constant battle with all the different breaches going on with our personal information. I found out that my info was sold on the dark web and I have been fighting these for awhile. I have a bunch of inquires on my credit profile for credit that I did not apply for and I expect them to be removed immediately or I will be taking action with a lawsuit. These have all been done without my permission and fraudulently EQUIFAX Inquires not made by me. 

XXXX XXXX - XX/XX/2018 XXXX XXXX- XX/XX/2018 andXX/XX/2018 XXXX Inquires not made by me.

XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX/XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 and XX/XX/2018 XXXX inquiries not made by me XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018 and XX/XX/2018 XXXX XXXX- XX/XX/2018
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my report and I noticed inquiries on my Equifax and XXXX report that don't belong to me. I don't know why they are there but I never tried to apply for anything through these companies. Also Accordint to the Fair Credit Reporting Act section 604 - 15 U.S.C. 1681b these inquiries shouldn't be there I didn't authorize any of them to pull my credit. 
Equifax. 
1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX Bank XX/XX/XXXX 3 ) XXXX XXXX bank XXXX XX/XX/XXXX Experian. 
1 ) XXXXl XXXX Bank XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX Co XX/XX/XXXX 2018
Complaint sub-issue: Was not notified of investigation status or results

XXXX I sent a letter out to the credit bureaus. I called to get a status on XXXX I was told that no letters were received. I sent another letter on XXXX and I havent received a response. We are approaching 90 days and I feel that Im being toyed with and one is taking me seriously and I feel Im being taken advacntegw of. In Section 611 in the FCRA states that failure to investigate the items in 30 days gives reason to immediately remove the items from my credit report. It has been over 60 days so the items should be deleted promptly. I demand that these items are removed immediately or I will file litigation do to the stress you have caused. I have been impacted by The Equifax breach and my info may have been tampered with and used by an unknown person.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was in the hospital in XX/XX/2019. Due to this. I wasn't able to work and didn't return to work until XX/XX/2019. During this time, My husband was making the payments on the credit card. For numerous months, he was given wrong information about payments and due dates. He informed the company of my medical issues and asked what could be done. One month, he was given the wrong date to pay by. After talking to different departments and different managers in those departments, we were told the card was closed and had been closed for months. We were never notified of the card closing or given information on how to keep it open. We asked if we could dispute it being closed and they were dismissive.
Complaint sub-issue: Information is not mine

Case numbers : Equifax - XXXX & XXXX XXXX XXXX XXXX XXXX - XXXX Have been disputing accounts that do not belong to me for many months now, and all the bureaus keep doing is verifying the information without sending me information that has been asked. As a consumer it is my right to have all information verified, and to have that verification furnished to me within a 30 day time period. It has now surpassed that 30 day time frame 5 times over.
Complaint sub-issue: Debt is not yours

I am lodging a formal complaint against mrs. associates this debt collection company is reporting negative information on my credit reports without validating debt which is a violation of the fcra. ive sent this company numerous debt validation requests and they continue to ignore them. the debt is for {$1200.00} from XXXX XXXX. ive never in my life had an account with XXXX XXXX so I know this isn't my debt. I am trying to purchase my very first home for my family and im being told this negative account is holding me back. I am going to sue this debt collection company if they don't delete immediately. thanks for your time!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # 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
Complaint sub-issue: Their investigation did not fix an error on your report

My information was compromised and I am requesting to dispute the following inquires as I did not initiate and application or initiate the following Inquires on my credit report. 

XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Personal Loan Company Inquiry Date : XX/XX/XXXX I submitted a request to dispute the inquiry I was advised the Inquires would be removed however they have not been removed from my credit report. 

Please investigate and remove fraudulent inquires from my credit report.
Complaint sub-issue: Other problem getting your report or credit score

I sent a dispute to lexis nexis I haven't heard anything from them I also requested my report
Complaint sub-issue: Problem with the interest rate

I reviewed the amount of the loan on the contract which was approximately {$13000.00}. I purchased the XXXX XXXX XXXX in XX/XX/XXXX from CarMax. I was alerted to look at this because on my credit report which suggested that I had only started making payments in XXXX or the amount of payments made to the vehicle was not accurate as to the date in which I actually opened up the loan. As I continued to look at the loan which was at about a 13 % interest rate, I realized as of to date I made approximately {$19000.00} in payments to the loan. I had 2 deferred payments throughout the entire loan and I wanted to know why am I still making any payments to a loan that was already at 100 % principle paid plus over {$6000.00} in interest at this point. I am trying to understand why Carmax wants me to pay almost {$10000.00} for borrowing {$13000.00}.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Card opened as result of identity theft or fraud

XX/XX/2022. 
2 credit cards fraudulently opened in my name. XXXX XXXX Us Bank I did not apply or open anything from them. I noticed it on my credit report and through emails. 

Thanks
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquiries by 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: Debt was paid

In XXXX 2014, we bought a TV from Conns XXXX with an offer of 0 % interest if we paid in 24 payments ( months ). We divided the total amount including insurance into equal payments which we automatically paid off in 6months ( XXXX 2014 ). A year later, we received a non-dated letter offering us an increase in credit line because of our " positive payment history ''. At the same time the letter shows a current balance of # XXXX. So we called the company to find out what was going on. The customer service agent said to ignore it if it did not have an account number. It was a way for them to market their products. Our deal with them was over a year ago. However, right after our call, their collection department started calling us and leaving urgent messages. We called again and they said we owe them {$24.00} insurance. We said we do not have the paperwork that is already old and for us paid off. We asked for a written correspondence with explanation of this amount. It has been 3 weeks since we asked for this and nothing came in the mail. 
Starting on XXXX XXXX their collection Department put our home number and a mobile phone on a 2 hour robocalls and we have been receiving those calls from about XXXX in the XXXX till XXXX in the XXXX. 
We attempted to block the numbers but they kept changing numbers. We are now at XXXX local numbers and XXXX XXXX number. 
We appreciate any help you can provide and advice for the next step to stop this merchant from harassing us. 
Respectfully.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We attended a 90 minutes time share presentation onXX/XX/2018 at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, during our family vacation.The name of the company was XXXX XXXX. While reading the contract, the people asked us to provide them a valid ID and our credit card.My husband told them not to charge anything on our credit card until we sign the contract.We did not sign anything but they charged our credit card in the amount of XXXX US dollars ... We filed for dispute when we saw that they charged our credit card that amount hoping that Citi card would not pay them.Citi card did their investigation, we provided them our letter of what had happened why we filed for dispute ... On XX/XX/XXXX, we received a letter from citi card saying that they are unable to assist us because that was a face to face chip card transaction, that we had provided our credit card to the merchant and they had inserted our credit card into their chip card reader so citi card held us responsible for this charge. We called them many times, explaining to them that we did not signed the contract but they told us that the investigation was closed and that they could not do anything about it. They sent us the bill amounting XXXX. One lady told us from citi card that we need to contact the merchant directly and tell them to refund the money to us directly because they already closed the investigation. 
We did contact the merchant on XX/XX/2018 and we emailed to them the letter that we recieved from citi card dated XX/XX/2018 because they asked for it.The manager named XXXX XXXX told us on the phone that citi card had withdrawn the money from their bank account, so my husband asked, how could that happen? We called citi card if they received the whole amount from the merchant but citi card employee said no, they did not received anything from the merchant. 
Please.. please ... please ... we need your help to solve this problem, we feel so helpless ... 
We attach all the documents concerning this issue on the next page.. 
Thank you so very much and we heartily hope that you can help us .... We don't want to pay the amount that we never use and we don't want our credit be ruined by this incident ... 
Hoping for your kind consideration and understanding ... XXXX bless.
Complaint sub-issue: Frequent or repeated calls

Citibank account was closed accepted payment in full.

Call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX
Complaint sub-issue: Debt is not yours

The following items are located on my credit report and does not belong to me. Please have them provide proof of ownership. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

My federal student loans were with XXXX XXXX which transferred my loans over to MOHELA around XX/XX/XXXX. During the pandemic I made {$100.00} a month since XX/XX/XXXX, about {$1900.00} total, in voluntary payments to XXXX and MOHELA from when I first requested it from Mohela on XXXX of XX/XX/XXXX. MOHELA has only refunded {$370.00} of that amount and stated because I made the remaining amount with XXXX that it would take XXXX days to process. I still have not received any information or ETA of when I would receive a refund check for the remaining amount.
Complaint sub-issue: Problem getting your free annual credit report

I am not able to get my free credit report from Equifax with ease.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022, but the bureaus did not remove them nor did they prove validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card company isn't resolving a dispute about a purchase on your statement

I placed an order for a fire pit where I found the ad through XXXX. 
The Firepit was a millenium falcon fire pit The company was XXXX and it was never received. I used my BestBuy/Citi credit card, ending in XXXX. 
Order was placed on XX/XX/XXXX. 

When I disputed this with the credit card company, they sent me a copy of a XXXX tracking number that supposedly stated that the item was received. 
1. No delivery address was on this label.

2. The tracking number was not present or clearly legible on the label that Citi/BestBuy provided. 
3. The delivery city was incorrect -shows XXXX XXXX XXXX XXXX however my deliver address is XXXX XXXX 
4. The date format is not consistent with standards for XXXX XXXX. 
5. I work from home, I am home all day, and was present at home at the time of the delivery. No delivery attempt was made.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )
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 XXXXXXXX # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated rights XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX  # XXXX, has violated my rights 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 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: Debt is not yours

In XX/XX/XXXX I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating collection agency XXXX XXXX XXXX XXXX XXXX # act:XXXX {$15000.00} this company appears to not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
Complaint sub-issue: Account status incorrect

Incorrectly reporting late payment. NEVER LATE XXXX XXXX  ACCOUNT # XXXX BALANCE XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave XXXX XXXX  a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also XXXX XXXX. XXXX XXXX replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three bureaus.
Complaint sub-issue: Reporting company used your report improperly

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax several times with my updated personal information in an effort to report fraudulent accounts in my credit file. They have updated the address I provided, then sent a postcard stating they don't have an account in my name. 
Equifax 's failure to follow federal laws written to protect victims of identity theft, they are engaging in defamation of my character and engaging in third party debt-collection activities over unverified debt. Equifax continues to state that they do not have a file in my name, however I have proof that they have my name listed in my credit file, and are failing to update it as my current name. After updating the Equifax several times and providing documentation of my name change, they continue to refuse to update it. The other major credit bureaus, including XXXX and XXXX have updated my information. This leads me to conclude that Equifax is knowingly and willfully engaging in identity theft, fraud, and use of my private information without my consent. Their automated system is failing to provide the required protection written by federal laws. 

Additionally, Equifax has failed to follow FCRA, FACTA, and E-OSCAR guidelines which state that information reported from identity theft must be blocked within 4 days. I have proof and record that Equifax received proper notice pursuant to federal law requiring them to block the fraudulent accounts. They have also failed to include a fraud alert, while the other major bureaus have updated my account with the fraud alert. 

Equifax additionally is obtaining information under false pretenses which holds them liable under title 18. Equifax has produced consumer reports to creditors whom submit application using my new name, which Equifax has also stated to me that they don't have a file on. How could a creditor pull my file using the same name I am using to contact the bureaus and these creditors are given access to my private an person information, but I can not access my file using the same information? 
I am prepared to sue Equifax if they continue to engage in criminal activity that is harming me and my reputation, for their engagement in third-party debt collection of unverified debt and for failing to following the federal laws that were written to protect me from this exact behavior Equifax is engaging in. 

I have record of all contacts between Equifax and myself, including certified mail return receipts and a Notary witness who signed that the relative documents were mailed out and received.
Complaint sub-issue: Contacted employer after asked not to

I am submitting this complaint to an unknown collection agency that continues to contact me at my employment and refuses to give information about this supposed debt I owe them. The contact person that continues to harass me is XXXX XXXX XXXX. XXXX XXXX has also went as far as providing this so called debt information to my co-workers in a harassing manner. This is not only wrong but humiliating. I believe that as a tax payer I have the right to file a complaint. If someone can assist me, I will definitely appreciate it.
Complaint sub-issue: Personal information incorrect

I requested to deleted the wrong address from XX/XX/2019 to today, but it still exists. 
The other two credits contributed to the resolution I've lived in the NJ colony  for 40 years. 
Wrong address : XXXX  XXXX, XXXX, VA XXXX Dispute NO : XXXX