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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Account status incorrect

On Monday XX/XX/XXXX, I went to XXXX  XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX  XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX XXXX cards I had just opened. When I called XXXX  XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to XXXX.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a call from my credit card Fraud Department ( Citi ) in XX/XX/XXXX that my credit card had been compromised and they closed the account and issued me a new card. There were a total of {$2300.00} of fraudulent charges on my account that I did not make and did not authorize. <P/>Citi investigated this matter and on XX/XX/XXXX I received a letter from them stating that they are reversing all the fraud charge claims I had previously submitted and that I am now responsible for the full amount of these charges and that their investigation is closed. Also their bill has no address to send certified mail only a XXXX  would be given where it is not possible to confirm any receipt. <P/>Also their bill does not include address to send billing disputes. <P/>I am requesting your help to resolve this matter with Citi bank
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I received an alert from XXXX and XXXX credit bureaus that an account was potentially delinquent and when I went to research the alert it was for XXXX XXXX an account from a lender I know nothing about, never applied for, never heard of, and there was also an address on my report I was unaware of. After speaking with the credit bureau the address is associated with that account. My credit payment history is exceptional for several years and I deal with really bad XXXX  this has shot my XXXX  to the roof literally freaking out as Ive worked really hard to keep good credit.
Complaint sub-issue: Reporting company used your report improperly

About a week ago, Equifax was obviously hacked, and all sorts of personal information was divulged. As a result, I have been forced to jump through hoops in my busy schedule in an effort to ensure that I am safe from potential harm. At this current time, it appears as though I am safe, but it still has caused me quite a bit of worrying as I try to check all my bases on the matter.
Complaint sub-issue: Their investigation did not fix an error on your report

sent multiple letters asking for verification of this account and never received any documents which supports this negative reporting on my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX Account # XXXX Amount {$610.00}, XXXX XXXX XXXX Account # XXXX Amount {$650.00}, XXXX XXXX XXXX Account # XXXX Amount {$210.00}, XXXX XXXX XXXX Account # XXXX Amount {$910.00}, XXXX XXXX XXXXXXXX Account # XXXX Amount {$1900.00}, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX Amount {$800.00}, XXXX XXXX XXXX Account # XXXX Amount {$490.00}, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX Amount {$48.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights. I demand the accounts listed below be removed because 15 U.S.C 1681 Section 602 A. States that 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 an account without my written instructions. I did not give XXXX, XXXX or Equifax permission to furnish these accounts. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

This is a follow-up on complaint XXXX in which Equifax claims an erroneous record on my credit report doesn't exist. The account XXXX XXXX XXXX XXXXE XXXX still exists on my credit file with Equifax as of XX/XX/2022, I verified this using my.equifax.com. This account is over seven years old and needs to be deleted immediately. Equifax refuses to respond to disputes. XXXX and XXXX already deleted this months ago.
Complaint sub-issue: Account status

EQUIFAX fails to remove the XXXX XXXX account information. EQUIFAX reports incorrectly the account CREDIT LIMIT is XXXX EQUIFAX reports incorrectly the SCHEDULED PAYMENT AMOUNT is {$210.00}. EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Complaint sub-issue: Account status incorrect

Money lion keeps changing my payment history. At first it was only one 30 day late from XX/XX/2020. I disputed it and it came back as accurate which isnt true. So I contacted their customer service and was told I wasnt late and they would correct it. Well today I was notified of 2 60 day lates from XXXX 2020. At this point I want the account removed from my credit report, because they are updating my credit report with inaccurate information, causing my credit score to decline on a paid loan.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I stayed at the XXXX XXXX XXXX in XXXX, ut from XXXX XXXX XXXX XXXX  due to a sewer backup in my condo. We stayed in rooms XXXX and XXXX and all room charges and pet deposits were to be paid by XXXX XXXX, who is contracted with XXXX to help with accommodations during the repair process. I was required to provide a credit card for " incidentals '' to be charged at checkout. When I checked out, I asked for a receipt and they couldn't give me one. When I saw that they had charged my credit card {$210.00} on XX/XX/XXXX, still during my stay, I called the hotel and they still couldn't provide me with any information. I contacted XXXX Corporate offices, and they couldn't get the hotel to respond to me and provide this information either, so my only recourse was to file a dispute with my credit card company. 

The hotel then told the CC dispute dept. that they had " tried to charge my card on XX/XX/XXXX but it had insufficient funds so they rebilled it on XX/XX/XXXX '' - they still didn't provide any documentation as to what those made up charges were actually for. The card company denied my dispute based on the information the hotel gave them. This is a blatant lie, because I was not staying at the hotel on the date they provided to the CC company.

After 3 different calls, including a supervisor, they said they could reopen the dispute, but that I needed to provide a receipt from the hotel, and there was no other documentation that would be acceptable, knowing full well I couldn't provide that information, because I didn't have it and the hotel refused to provide it. Essentially allowing the merchant to LIE to them about the charge, and siding with them, leaving me with no options but to pay over {$200.00} with no truthful explanation for the charge.
Complaint sub-issue: Account information incorrect

I have been paying down my Credit Card balances, but this decrease in the card balance is not reported in a timely fashion, as opposed to ANY increase in a card balance, which seems to be updated in a matter of days. I have paid down thousands of dollars in Credit Card debt, but my percentage of use never changes. This is critically impacting my ability to get credit to add available credit, which would lower this percentage of use as I pay these balances down. 
This is clearly both negligence in regard to the consumer, while at the same time offering only cards with high annual fees which finically benefits the Credit Reporting agencies, besides implying that paying to upgrade to a service offered by the reporting agency would assist in increasing the consumer 's credit rating.
Complaint sub-issue: Information belongs to someone else

I don't recognize this account, i don't have any agreements with this company, i never sign anything.
Complaint sub-issue: Account information incorrect

after disputing a late credit card payment with Citi Bank they denied my claim and retaliated by reporting an increase the balanced owed sabotaging my credit score.

Efforts to several reps were futile.
Complaint sub-issue: Problem getting report or credit score

My credit score has dropped XXXX points since XX/XX/2017 to date, however the credit monitoring service nor XXXX, XXXX or Equifax credit bureaus can provide an explanation of the factors that influenced such a significant change.
Complaint sub-issue: Company closed your account

I have 2 credit cards - Citi Premier Credit Card and Citi Costco Anywhere Credit card issued by Citi. Both cards are expired this year & I received notification from Citi that the cards won't be reissued due to " bankruptcy or a charge-off on another credit card account issued by Citi ''. When I received the notice, I immediately called Citi to inquiry and try to solve the issue to prevent my credit card account being closed. As for record, I do not have bankruptcy or charge off from any  credit card issued to me in the past. On XX/XX/2020, I faxed a credit report I pulled from XXXX  from XX/XX/2020 to Citi to show proof that the reason they denied my credit card renewal is incorrect. However, Citi didn't properly address my inquiry and as of result of it, my Citi Premier Credit Card was closed after XX/XX/2020. I was about to do a mortgage refinance and obtain 2 new credit cards from XXXX XXXX   and XXXX in between XXXX - XX/XX/2020. So I am simply don't understand why Citi won't reissue the credit card and Citi couldn't provide the proof which stated about the bankruptcy/charge off when I asked for. 
It is such a frustrating experience to deal with Citi Credit Card department about such incident when I clearly understand that they make a mistake and I am being proactively to address the issue.
Complaint sub-issue: Information belongs to someone else

There is an unauthorized inquiry on my credit report made by XXXX XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
Complaint sub-issue: Report provided to employer without your written authorization

XXXX and Equifax states XXXX verified a Bankruptcy. No Bankruptcy in XXXX data base. Delete Bankruptcy do NOT UPDATE! XXXX job denied because XXXX reported a Bankruptcy. FCRA violations XXXX XXXX XXXX, XXXX XXXX XXXX ( a ) et. al. Violation of privacy, no Permission to report without permission. Causing me injury to provide for family. Obey the law remove this from my credit report. Sent letter XXXX XXXX stating not verified, deleted from XXXX data bank. Possibly XXXX  and XXXX, my second complaint. Would like a statement from XXXX and Equifax under penalty of perjury they verified this bankruptcy! Delete immediately. Will fie complaint with the FTC to insure an unbiased reinvestigation and a removal of this bankruptcy off my credit report without prejudice.
Complaint sub-issue: Didn't receive services that were advertised

I became aware of the Equifax cybersecurity incident/data breach on X/X/2017 and went to the website https : //www.equifaxsecurity2017.com/potential-impact/ to determine if my data was part of the breach. I clicked the button " Check Potential Impact '' and was prompted to enter my last 6 digits of my SSN and my last name. Unlike the information provided on the page with the button suggesting that I would receive a message telling me if my data was subject to the breach and giving me the option to enroll in TrustedID Premier, Equifax 's system automatically enrolled me in TrustedID Premier without any confirmation on my part. I was not offered information on if my personal information was a part of the data breach unlike what is explained on Equifax 's website nor given the option to choose to enroll or decline to enroll in TrustedID Premier. On XX/XX/XXXX at approx. XXXX PDT, I called Equifax at XXXX and spoke with XXXX . XXXX told me that my information was part of the breach despite not collecting any personal information on the phone call but could not confirm what data was breached, instead referring me to the same website that would not confirm if my data was breached. He also claimed that TrustedID Premier would email me 72 hours after my ( unauthorized ) enrollment, despite never providing an email address. XXXX also referred me to the FTC and gave me the option to cancel TrustedID Premier, which I was unsure about because I never chose to enroll in it and I am unsure if I cancel it if it would prevent me from enrolling again once I weigh details about the program. At this point, per Equifax, it appears that my data was affected, I have not been told what data was affected, and I was enrolled in TrustedID Premier without my consent.
Complaint sub-issue: Received bad information about your loan

FedLoan Servicing. My XXXX loans were through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I graduated with my XXXX  Degree FedLoan Servicing had my loans. They told me I had to consolidate everything for Public Service Loan Forgiveness. I consolidated in 2011 and since that time worked for a XXXX XXXX making payments which continued to increase each year as expected due to income driven repayment. Each year when I would certify they would tell me I had not done the certification in a timely manner and would say I owed about 900.00 ( two payments together ) or would make me take a monthly foreberance and take a hit in interest and principal. This happened for 5 years total. I have now also been made aware that because I was told I had to consolidate I missed the opportunity of loan forgiveness through XXXX. This has in return caused a significant increase in my student loans which are currently about 72,000 which FedLoan Servicing continues to service with outrageous interest rates and all my penalties in 10 years I will have paid almost 200,000.00 Each year I dealt with this gross misuse and unethical practices and threats. I have each certification from my HR rep and notes in my FedLoan account about my continued concerns for not being given the correct information or slow processing times and then being threatened with fees or outrageous payments. Thank you for any help available.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I an currently in a transaction to close on a commercial property. I have recently ( XX/XX/XXXX ) requested for several paid off or closed accounts to be removed from my credit report. On XX/XX/XXXX I checked my credit report with XXXX and Equifax and my XXXX Report showed XXXX scoring while Equifax showed XXXX. Once the request to remove the closed accounts came back showing a XXXX balance but changing the late days from 180 days to 120 days my score on XX/XX/XXXX went down to ( XXXX XXXX and Equifax XXXX ). Once I discovered this detrimental drop I contacted both bureaus and the Supervisor of Consumer Relations and Fraud department - XXXX from XXXX in XXXX says they can not tell what has changed the score and would not help me discover nor correct the issue. The rep before her even went on to say that she saw that my " XXXX XXXX 's account was not charged off but was at a " XXXX '' balance. They both well confirmed that they could see that the said " XXXX XXXX 's account as well as the XXXX account for student loans had been paid off since XXXX but was reporting on my credit report. 
XXXX ( Rep ID of XXXX ) the Dispute Dpt. Supervisor asked me to verify all of my information such as ( SSN, Name, Address, D.O.B ) and once I verified my information correctly went on to say that she would not help me unless I sent in my photo ID and SS Card by fax and they would not retrieve the information for another 5 business days. The rep before her ( XXXX ) asked for the same info then asked me questions then stated I was not able to answer his questions before I asked to speak to a supervisor. Due to the negligence of both bureaus I have not gotten any further in my quest to correct any incorrect reporting and redeem my credit score therefore this issue may cause me to lose the opportunity to close on my commercial property and leave me no choice but to sue. Please help me rectify this issue with both bureaus.
Complaint sub-issue: Personal information incorrect

I recently received a letter dated XX/XX/2018 from Equifax stating : 'We have received your request concerning your Equifax credit file. However, the Identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. '' Then the letter requests that I provide items to verify my Identification and current address. 

I have made no recent contact with Equifax. 
I have made no recent requests to Equifax regarding my credit file. 
I have not provided Equifax any identification recently.
Complaint sub-issue: Reporting company used your report improperly

I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
XXXX employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

XXXX started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in XXXX it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/XXXX to XX/XX/XXXX. 

Equifax has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull credit ...
Complaint sub-issue: Account status incorrect

On, XX/XX/2021 I started disputing A ambulance bill that was reported on my credit file. I have never road in a ambulance. They have hospital bill on my credit that should not be there. I want to see the original documents of these incorrect accounts on my credit file. I have asked for these documents since XXXX. I have not received.
Complaint sub-issue: Information belongs to someone else

This account does not belong to me.. It belongs it is a corporate account.
Complaint sub-issue: Personal information incorrect

EQUIFAX is listing my personal information as, " Formerly Known As '', XXXX. Further, on their options to " DISPUTE '', EQUIFAX is providing no options. I have provided a copy of their website showing this listing of a name I have never been known as, and EQUIFAX providing NO option to dispute.
Complaint sub-issue: Information belongs to someone else

This XXXX XXXX XXXX account just showed up on my credit report and does not belong to me. I have included the fraud report as well. Please remove this asap. 

XXXXXXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX Account Number XXXX XXXX  Date Opened XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This accounts don't belong to me, please remove them from all 3 credit reporting agencies, you can see the list of accounts below : 1. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Information belongs to someone else

I have been in contact with the company about things on my report I don't recognize. The insist that the items in question are mine without providing proof, which is my rights to have based on fcra rules.