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

I have been submitting letters since XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries on your report that you don't recognize

On XX/XX/XXXX I overnighted a dispute letter to EQUIFAX and a copy of my identity theft report ( please see attached ) and asked them to remove the fraudulent inquiry from XXXX. By law, they were supposed to remove it four days after receiving my dispute- as of today, XX/XX/2022, they have not removed it. I even spoke with one of their representatives on XX/XX/2022, who said she was going to delete it - that was seven days ago and the fraudulent inquiry is still showing on my credit report. Please remove the fraudulent inquiry from my credit report immediately as I have requested numerous times.
Complaint sub-issue: Their investigation did not fix an error on your report

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Complaint sub-issue: Information is not mine

Equifax was contacted about XXXX Bank assesing my credit file on XXXX/XXXX/2014. I told them that I had not applied to this business for credit. Please see that Equifax remove this hard inquiry from my file. Someone should be fined for assesing my credit without my permission.
Complaint sub-issue: Account status incorrect

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
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 XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : 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: Problem with fees charged

I obtained a lease from Us Bank approximately a year and half ago, I am in the process of trading this vehicle and there is a early term fee on this lease. I was never disclosed this not have I ever seen it on a lease. 

this payoff I received today XX/XX/XXXX my lease balance is XXXX purchase price option is XXXX EARLY TERM ADMIN CHARGE XXXX SALES TAX XXXX the payoff I received on XX/XX/XXXX lease balance XXXX purchase price option XXXX EARLY TERM ADMIN CHARGE XXXX SALES TAX XXXX 1st off trading the vehicle in I would completely pay my lease balance and the purchase price option off 100 %. there should be no early admin fee as they will be paid 100 % for the vehicle. 2nd issue is there are no taxes as I had a XXXX trade in when I bought this car so there was no taxes. 

I have tried multiple times to correct this with them and every time I call they have zero idea on how to help me they just say I owe it. 

its not an early term the lease and truck would be paid off in full. 

I completely feel as If I was deceived and taken advantage off.
Complaint sub-issue: Their investigation did not fix an error on your report

I informed the XXXX, Equifax, XXXX and each of the secondary reporting bureaus that I am a victim of identity theft. There are accounts on my file that do not belong to me. XXXX did resolve my complaint and removed the fraudulent items. The others have not. 15 USC 1681 c 2 says that a consumer reporting agency has to block and remove all information on a consumer file that resulted from an alleged identity theft within 4 days of receipt. My rights are being violated and I need assistance with this matter.
Complaint sub-issue: Old information reappears or never goes away

My husband add me like an authorized user without my permission to his XXXX bank credit card. When I realized it, I called and bank delete me like and authorized user BUT still report to all credit agencies like I am still on his account and it hurts my credit score enormously! As my husband has missed payments, etc. But I have nothing with his financial problem as I just recently moved to the USA and do not want to suffer from this false information! I called 2 times to XXXX bank and they confirmed that do not see me more as an user but they do not know that to do to eliminate all false info from credit agencies! Please help me to solve this issue
Complaint sub-issue: Debt is not yours

Plaza Services is currently adversely reporting on my XXXX credit report. According to the correspondence received from them the original creditor is XXXX XXXX XXXX. I do not know this company nor how I could possibly owe them money. I do my business at the bank as I have for many, many years. I have asked them twice to validate the debt by showing proof of how I owe it. And a contract with my signature among other information that would help me validate the date. Each time they send me a new bill with my name and an amount stating they purchased the {$310.00} debt from XXXX XXXX XXXX. I can not keep going round and round with them to no avail. 

I have also requested information from XXXX asking what methods they used to validate that the debt is actually mine before negatively reporting it. In response, I get a generic " verified '' and that is just not sufficient. I have no problem paying debts I owe. But I can not and will not just have someone mail me something and say in essence, " pay this '' and I just do it. My personal finances are not set up that way.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX : {$370.00} XXXX XXXXXXXX XXXX : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an account on my Equifax report from XXXX that was reported as opened as of 2016 as incorrect/not mine. The investigation came back as belonging to me from XXXX but the dates are all wrong. This should be off as it is very old.
Complaint sub-issue: Can't close your account

Macy 's w ebsite showed the balance owed and I paid that balance. I requested that my credit card be closed.     I continued to be on their email list for sales but just ignored the mails then I get a call a few months later saying that somehow when I closed my account they billed me another dollar so I had a few months of fees ( each month a few more dollars to be paid ). I did not think this was correct but the representative assured me that if I paid the  XXXX  the account would be  XXXX  balance. He processed the payment and then the next month I see again they are charging me another fee.     When I complained over their website portal they said I 'd have to call another part of their company to take care of it. When I explained that I would make a legal complaint against their company they replied that they were sorry and " Our record indicates that your account was closed on  XXXX / XXXX / XXXX , as you requested. As of today,  XXXX / XXXX / XXXX , you have a zero balance. '' Now I get an email and it has a balance due for  XXXX  of {$2.00}! How many people are they doing this to?
Complaint sub-issue: Need information about your loan balance or loan terms

I attended XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I received private student loans from Citibank. Citibank sold some student loans to XXXX XXXX XXXX who I am currently making payments to. Citibank never notifed me about what was done with the remainder of my student loans nor did I receive any correspondence, even that they had or were selling my loans. Citibank has since placed a chargeoff of {$11000.00} on my credit report. No one is able to help me or transfer me to someone who can help. I never received notice that my loan was chargedoff. I have no idea where to make payments or any other information.
Complaint sub-issue: Information belongs to someone else

My birth name is : XXXX XXXX XXXX. This company ; Checkr, did a bank ground check for a potential employer ; XXXX. The report entailed erroneous info with 3 different alias ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These different names are not XXXX XXXX XXXX, I dont know them and have no affiliation with them. Additionally, the information contained in the report was for those people and not me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my personal credit report and I noticed a list of unauthorized inquiry had been made such as XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX DC XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), And XXXX XXXX ( XXXX/XXXX/XXXX ). 

I have contacted who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.
Complaint sub-issue: Account terms

A new line of credit, XXXX XXXX credit card has been opened since XXXX. credit reporting agencies have not been documenting any of the information regarding this account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried numerous times requesting Equifax to send me documentation on how the " verified '' this alleged debt on XXXX XXXX. An Equifax employee informed me that they have no right to send that me that information in how they " verified '' the alleged debt. Also, was told that they can only send me a letter that states, " unchanged, deleted or verified ''. But according to FCRA, Section 611 ( a ) ( 5 ) ( A ) ( i ) and 15U.S.C. 1681g, I have the right to demand for those documents that are  used to " verify '' an alleged debt. But with Equifax refusing to do so. Equifax has violated my rights as not providing documents in how this alleged debt has been verified. I called Equifax on XX/XX/2018 at XXXX.
Complaint sub-issue: Account status incorrect

I applied for a Mortgage Loan on XXXX/XXXX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are 14 XXXX XXXX XXXX XXXX loans that are reporting a 90 day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing 30 days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from XXXX XXXX XXXX stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the 90 day late payment be removed from all 14 loans. If XXXX  XXXX XXXX refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.
Complaint sub-issue: Debt is not mine

I have 7 times written letters to this company that my health insurance paid this bill. This home health care was awful while treating us, and even worse with billing.
Complaint sub-issue: Information belongs to someone else

I am in disagreement with the items listed on my credit report as having late payments ... The credit bureaus refused to reverse the late payments..Not to mention they will not give me an explanation as to why they wont overturn or fix this inaccurate claim..It has greatly affected my credit score..I would like these items be fix on my credit report immediately.. XXXX XXXX   XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX XXXX I received an Email from Citi Bank telling me they needed to speak to me. Being hard of hearing I had my wife contact them, with my permission, to find out what was wrong. They told her that they believe my credit card had been used fraudulently. She asked for the names of the charges which they summarized and they were not made by us. They closed the account and reissued a new card. They opened a Identity Theft Case on XX/XX/2022. They sent us an Affidavit of Fraud form to fill out. They told us to make a minimum payment of {$35.00} in good faith of which we did. When I got the bill I filled out the Affidavit attached a Police Report and a Identity Theft Report with The Federal Trade Commission. The Charges that were made on the card that are disputed are : XX/XX/2022 XXXX XXXX XXXX, XXXX, NV for {$1200.00}. XXXXXXXX XXXX XXXX, XX/XX/2022 for {$2.00}, and {$19.00}. XX/XX/2022 for {$12.00} and XX/XX/2022 for {$12.00}. Then on XX/XX/2022 a XXXX charge for {$1100.00}. Then the next Bill came and another Charge on XX/XX/2022 from XXXX XXXX XXXX XXXX, NV for {$190.00}. we have disputed all these charges of which come to {$2600.00} of which they are adding interest. My Wife called ( XXXX @ Citibank XXXX ), on XX/XX/2022 and told them they can't be requiring minimum payments and adding interest to disputed charges. All that happened was we got another Email on XX/XX/2022 saying that our dispute is being looked into. Then on XX/XX/2022 I get another Email telling me my adjusted payment due to my billing dispute is {$56.00}. So I'm Still paying for disputed charges and being charged interest for charges I, or my Wife never made with the Citi Bank MasterCard.
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed information for the months of XX/XX/2022, XX/XX/2022, and XX/XX/2022 missing for my XXXX  account. I make monthly payments but for some reason there was no information for those months. I filed a dispute and included attachments of my statements with XXXX XXXX XXXX XXXX showing my payment history for those specific months. Nothing was changed and they just said " all the information is accurate ''. I also submitted a XXXX  complaint against XXXX XXXX XXXX XXXX in which they responded on XX/XX/2022 that they sent a request out to the credit Bureaus to update their information. On XX/XX/XXXX I receive a response from XXXX from my second dispute that again says all the information is accurate. No investigation was made and no attempt was made to read my statements for those months.
Complaint sub-issue: Their investigation did not fix an error on your report

I've been disputing XXXX XXXX XXXX  in the past and i finally got XXXX  to do a real investigation on XXXX XXXX at XXXX XXXX to see if it was a real company. the results came back that its absence of existence. this is considered a Phantom Debt, because the company that there claiming to collect a debt for is non existent. i would like this removed this from my credit report just like XXXX  has done with there  investigation.
Complaint sub-issue: Didn't receive notice of right to dispute

IQ data contacted my mother, they never sent any mail, did not attempt to contact me directly, and did not tell my mother that the call was due to a collection. Therefore I was never notified in any form as to me owing a dept, my options to dispute it or anything pertaining to verifying the debt. The only contact I had was when I reached out to them with no knowledge of who I was calling and what the matter was about and have not received anything since pertaining to this said collection. They now will not comply with my request and terminate all phone calls I make in attempts to handle the matter.
Complaint sub-issue: Investigation took more than 30 days

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Can't get flexible payment options

Ca n't afford to pay the monthly payments. Contacted the provider and they stated they ca n't do anything for me. I 'm not sure why I 'm paying for a loan for a degree that does n't exist.
Complaint sub-issue: Debt was result of identity theft

Disputes and letters have been sent to the creditor CBNA, Sears, Macy 's and XXXX  XXXX  since XXXX of 2020 until XXXX XXXX a a police report has been provided to creditors and credit bureaus.
Complaint sub-issue: Account status incorrect

I tried reaching out to the creditors ( XXXX XXXX XXXX XXXX in addition to the credit bureaus ( XX/XX/XXXX Equifax, and XX/XX/XXXXXXXX. To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I pull ; ed my credit report today and I see a bunch of credit inquiries on my credit report that looks fraudulent because I did not make them and I did not authorize anyone to pull my credit report. Please review the following inquiries for identity theft : Someone did all of these on XX/XX/2021 : XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXXXXXX XX/XX/2021 Equifax Soimeone did all of these on XX/XX/2021 : XXXX - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX- XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXXXXXX XXXX XXXXXXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax Someone did all of these on XX/XX/2021 : XXXX  - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax
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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been fighting EQUIFAX for almost a year now trying to reslove ID THEFT issues. I have retained a attorney to assit in this matter due to EQUIFAX refusing to take any action and remove fraud accounts even with police reports and over whelming documents proving these accounts are fraud!!! They were all removed at one point and now or re-reporting. Equifax refuses to do anything even when i call the Office Of Consumer Affairs they do not help in any way. The following accounts are FRAUD and need to be blocked and are removed ASAP other credit agencies have removed and confirmed these accounts are fraud, why wount Equifax? 
1.XXXX Reported : XXXX XXXX, XXXX 2.XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 3.XXXX XXXX 4 XXXX Reported : XXXX XXXX, XXXX 4.XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 5.XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX 6.XXXX Reported : XXXX XXXX, XXXX 7.
Complaint sub-issue: Was not notified of investigation status or results

I filed disputes with all 3 bureaus and still have not received anything from them. 
I understand it time to received things by mail but more then 30 days is not acceptable. 
They say they will send results within 30 days then that what they should do.