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

As being a victim of identity theft. I have repeatedly sent all files and documents to EQUIFAX and XXXX. These companies will not follow cfpb guidelines for all identity theft cases. It has been 120 days and they will not remove all accounts that was opened fraudulent in my name! I have sent everything they needed to prove my case. Under your code of 605B " BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [ 15 U.S.C <1681 c-2 ] theses companies are not following this rule.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Account information incorrect

there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company is Prof Credt and the original creditor is XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2014 -
Complaint sub-issue: Debt was paid

On XX/XX/2020 I made contact with Conn 's XXXX XXXX to make payment on 2 accounts that I had in collections. They provided me with the number of the collection agency who held the account. I contacted the collection entity and paid both accounts in full. I made two payments on XX/XX/2020. One for {$570.00}, and another for {$400.00}. I never received a letter from Conns showing debt was paid in full. 

I ran my credit report which showed that Conn 's was still reporting this as a valid debt so I filed a dispute with the credit bureau XX/XX/2020 and they responded that this was a valid debt. 

I then made contact with Conns who sent me to multiple collection agencies to resolve the matter and non of them where able to assist. The originial creditor whom I paid indicated they had no record of the payment and that Conn 's had moved the credit file to another collection entity and I needed to contact them. This happen 2 more times before the last collection entity TSI directed me back to Conn 's to have the issue resolved. I sent Conn 's a copy of my dispute letter and my bank statement showing where I had made payment on the accounts on XX/XX/2020. Conns ' has yet to reply to me as to the status of my account nor have they provided a letter showing that I paid this debt. 

This collection is impacting my credit score and my ability to move forward with purchasing a home. 

I have talked to multiple collection agencies associated with Conn 's as well as multiple conns representatives. As of today XX/XX/2020 conns has reported that are waiting on the collection agency to report back even though I provided them with proof of payment. I do not feel like it is fair to me as the consumer if the collection agency did not follow process in this case. 

Conn 's did send me an email on XX/XX/2020 that they would have resolution to my concern within 72 hours and I have still received no response. I sent a follow-up email with still no response and I called today XX/XX/2020 and they were not able to give me an update. 

This is not a valid debt and my credit file should be updated and a letter sent with verification of this. Conn 's has all the information they need to remove this debt. I would be happy to provide Conn 's yet another copy of my bank statement showing payment made.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$990.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$87.00}
Complaint sub-issue: Can't get other flexible options for repaying your loan

I asked for income repayment option and I received an email confirming, I was approved on XX/XX/XXXX. I then received another email on XX/XX/XXXX stating I didnt have to make another payment. On XX/XX/XXXX, I received an email my full monthly amount was due ( {$530.00} ). I contacted Nelnet and they stated I was never enrolled in the income driven payment program. I spoke with XXXX in XXXX and completed the verbal agreement to be accepted into the program and my monthly amount would be $ XXXX.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed critical personal information to be released on over 50 % of the population United States. This is absolutely deplorable! 

It is important to note that consumers such as me even lost passwords to key business sites including retirement accounts, credit cards and even their email providers. I know this for a fact! 

Within two days of this breech, Equifax Board members sold some of their stock. Consumers did not learn of this for about 75 days! 

Equifax as a company should not be allowed to exist. It should not be allow to simply change its name. Equifax board members, executives, information technology staff and other employees involved should be punished for what they  have done to the citizens of our country. 

In the future, Equifax, XXXX, XXXX and similar companies must have comprehensive review and oversight.
Complaint sub-issue: Reporting company used your report improperly

Equifax is reporting false information on my consumer credit report. They have broken every law under the 15 USC 16 81 a 3 & 4 act. Also under 15 USC 16 81 b 2 My privacy has been intruded without any of my consents.
Complaint sub-issue: Unable to open an account

On XX/XX/XXXX I received an email from Citibank to open a Citi checking account and earn a bonus of up to $ XXXX with required activities because I am a Citi XXXX XXXX XXXX XXXX since XXXX. On XX/XX/XXXX, I clicked on the link it took me to citi.com to open the account, that same day I received an email from Citibank with the link to the Welcome Kit as the account was opened, provided an option to transfer funds into the Citi account by logging into my other online account with another bank. I transferred {$15000.00} into the account. I then linked the newly opened account with my existing Citicard online access for my credit cards. Everything seems to be ok. Around XX/XX/XXXX, I could no longer access to my online accounts and still unable to get into both the credit card or checking access. XX/XX/XXXX, I spent 35 minutes on the phone with Citibank asking where my money is, they told me to wait for the letter in mail without any explanations why. XX/XX/XXXX, I spent 56 minutes on the phone with Citi Fraud Department asking for documents, which I had provided. They told me the account is closed and they will decide when to send me back my money after the account is closed. XX/XX/XXXX, I spent XXXX minutes on the phone, first they told me if I want my money back sooner I can go to a branch, but it is up to the branch if they want to give me back my money. XX/XX/XXXX, spent another XXXX minutes on the phone and someone " promised '' to call me back to get me more details. It didn't happened. XX/XX/XXXX, the letter from Citibank arrived and it said " Your Citi accounts will automatically close within 60 days '' because they found that I have violated the terms of " your account per the client manual ''. I called Citibank again and they would not talk to me because they are now asking me for the debit card number in order to go through their verification that they had other means to do so from multiple calls before, the letter specifically said the card is longer active then why asking for the number, I had no use to keep a closed debit card. They are holding my {$15000.00} hostage without any clarification even though I have provided documents that were asked, I've been a credit customer for years and now Citibank is committing fraud against consumers by taking their money and holding it for XXXX or more days without cause, meanwhile using my money to loan it out to others and making a profit of my money. This is financial fraud against consumer without any explanations or rights.
Complaint sub-issue: Problem with personal statement of dispute

I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XXXX of 2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted XXXX   XXXX XXXX/ XXXX XXXX I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX/ XXXX XXXX is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Complaint sub-issue: Information is not mine

I have an account that was opened fraudulantly. I have been disputing this several times and it has finally been proven that the macys account that was opened in my name was due to identity theft. However XXXX and equifax will not remove it from my report. I keep calling on this and keep being told it is under investigation. I spend hours and days on this calling XXXX and equifax and just keep being told it 's under investigation. I explained to both of them that transunion has finally removed it but was told these credit reporting agency 's do not work together. That makes no sense to me because I just received a letter from experian informing me that I have been a victim of identity theft and they were notified from the other credit beaurous and they are putting a 7 year fraud victim alert on my report. My question is if I am being told they do not communicate then why did I receive this letter?
Complaint sub-issue: Debt is not yours

Recently, I discovered that there was a negative credit reported due to a collections agency trying to collect a debt that did not belong to me. I called and spoke with " XXXX XXXX '' at Procollect to inquire about this debt and discovered that it belonged to a person named XXXX XXXX. After stating that my name is not XXXX XXXX, she started getting upset, frustrated, and irate when I asked to speak to someone who could help me dispute this. She demanded that this account be paid and that it did belong to me. She was no help at all. 

I am currently in the process of trying to find housing and it's making it very difficult because of this. I believe this is harassment and abuse by this individual and this company called Procollect. I am not able to get any help and this company has placed a negative report and it's affecting my credit score and ability to find housing. 

Procollect has provided me with the account number XXXX. I also emailed them a police report as identity theft. Please help as this company is being abusive to their consumers.
Complaint sub-issue: Debt was paid

After Acima Credit falsely offered credit on behalf of XXXX XXXX  when they are actually a Rent to own business, I voluntarily, returned the Sofa. I made 1 payment and returned the product. The store informed me that they would pick up the sofa. On XX/XX/20 XXXX XXXX came and picked up the sofa. Animal credit received notification of this from the store XXXX XXXX. ACima credit continued to take payment until I filed a complaint with my Bank/XXXX XXXX to stop the automatic debit since I no longer had the product.
Complaint sub-issue: Account information incorrect

Lending club sold debt to XXXX XXXX/XXXX collector who was paid XX/XX/2018. Lending Club is still reporting an outstanding balance which is impacting our attempt to obtain a mortgage. XXXX  and XXXX  will not update our credit report with the document we received matching the credit account in question showing there is no longer a balance. We attempted to outreach Lending Club to obtain a letter as that is what the credit bureaus are requesting and Lendig Club refused to provide a letter or update the credit bureau information when speaking with them XX/XX/18. We have paid this debt, and find it extremely unfair they are reporting a past due balance. Lending Club is claiming since they sold the debt, they are not obligated to update the information. However, that debt is paid so its technically NOT outstanding if they sold it, as selling it means they received a payment from the collector, and we paid the new debt owner. Therefore, all parties received money. I am not disputing the payment pattern that showed there are late payments with lending club, solely that they are reporting an outstanding balance.
Complaint sub-issue: Reporting company used your report improperly

I am writing to file a complaint regarding unauthorized entries on my credit report. Specifically, I have found that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my report and I did not authorize these companies to access my credit information. 

I have not had any business dealings with these companies and I am concerned that these entries XXXX be the result of identity theft or other fraudulent activity. I request that you immediately remove these unauthorized entries from my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX resorts all bankkruptcy are FTC violations XX/XX/XXXX XXXX has issued a Finding of Violation to XXXX XXXX, which uses the trade name XXXX XXXX ( XXXX ), for violations of the Foreign Narcotics Kingpin Sanctions Regulations, 31 C.F.R. part 598 ( FNKSR ). From XX/XX/XXXX to XX/XX/XXXX, Compass maintained accounts on behalf of two individuals on OFACs List of Specially Designated Nationals and Blocked Persons ( the SDN List ). 
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 
If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( XXXX ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.
Complaint sub-issue: Problem accessing account

My Reliacard account card ID XXXX my Name is XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Address XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX My dispute resolution for fraudulent transactions and identity theft of my Louisiana state unemployment benefits deposited into my us bank reliacard account was stolen. The dispute resolution of fraudulent transactions case was resolved and considered closed and the funds were put back into my account after following and completing the entire dispute resolution process. US bank reliacard account customer service then locked my account from assessing my funds immediately after depositing the funds back into my account. They initiated an account verification process to verify my identity. I then gather all the required documents to submit to them that were required to unlock my account and verify my identity. I was given 3 options of verifying my identity by uploading the documents to there website which I couldnt do they restricted assess of my online account so I couldnt login in order to upload the documents. 2. Was by fax 3. Was by Mail. I faxed the required documents to cardholder services ID CHECK/ VERIFICATION. I faxed my State ID, Social security card, and my XXXX W2. They received my documents and verified the documents I faxed but still havent taken the restrictions off my account. They have now taken the money out of my account from my dispute resolution case which was considered closed and reconciled after I faxed the required documents needed to not verifying my identity even though I have.
Complaint sub-issue: Information belongs to someone else

Upon looking at my account i noticed that I have over 50 inquires on my report that dot belong to me. I have sent certified letters to the companies, as well as disputed them through Equifax directly ad they have yet to be removed. These inquires are fraudulent and should be removed asap. I have even places a fraud alert on my credit file to prevent this from happening. please see the list of fraudulent inquires below.
Complaint sub-issue: Debt is not yours

Debt was removed or discharged as paid in full / error but is still on credit report after receiving documentation that there was an error and account was deleted.
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, US DEPT ED, XXXX, XXXX, XXXX Company Inquiries : XXXX  XXXX  XXXX  XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have disputed inquiries on my credit report to equifax, XXXX  and XXXX XXXX in regards to unauthorized inquiries. I have been contacting each of the companies since XX/XX/2019 to no resolve. I received letters staying that my request are frivolous. 
This is causing me and my family great hardship in the current crisis. I am a XXXX veteran trying to use my VA benefits to obtain a mortgage. With all the inquiries on my reports, makes it impossible to get an approval with a great rate and less money towards upfront fees.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX ******* XXXX
Complaint sub-issue: Account information incorrect

I have recently obtained a copy of my credit file and there are many mistakes in my rep XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX XXXX XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unverified account
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Attached is a FTC Report for IDENTITY THEFT for inquiries I did not authorize anyone to use my personal information nor did they have a permissible purpose 15 USC 1681b.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I send a dispute to Equifax about the following account XXXX XXXX XXXX XXXX  ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. 
With the dispute I also send Equifax an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When I went to the car dealership XXXX XXXX XXXX XXXX XXXX  they said they was only going to run my credit ones and ran my credit Numerous of times these are all the credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Complaint sub-issue: Information belongs to someone else

**Dear governor, My name is " XXXX XXXX XXXX. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX, 2021 while browsing cars on Carmax, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by XXXX XXXX as well as XXXX XXXX, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX credit report.