Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

XXXX, # XXXX {$11000.00} ... XXXX XXXX is falsely reporting inaccurate info to the credit bureau ( Equifax ), I disputed the inaccurate info with Equifax and sent police report I filed when my wallet was stolen. On the updated dispute results I received on XXXX, Equifax stated the company wasn't reporting on my file but I was notified by my credit monitoring service the account was reported XXXX and it's still on my credit report. This is not my account it doesn't belong to me. XXXX is under investigation as we speak for trying to collect on false accounts the company has been shut down for not having license to collect. No validation of this debt as Equifax has claimed. Please remove this fraudulent account off my credit file thank you. 

XXXX, # XXXX {$12000.00} XXXX XXXX is reporting inaccurate info this account doesn't belong to me I don't have a contract with this company. I've disputed with Equifax every month for the past 3-4 months with no response from the company or Equifax/XXXX to get this inaccurate info removed off my file. No validation of this debt at all as Equifax has claimed. XXXX never responded o my dispute. Please remove this fraudulent account off my credit file thank you. 

XXXX, # XXXX {$1200.00} XXXX XXXX is reporting inaccurate info on my Equifax and it's a fraudulent account and it doesn't belong to me. I've disputed this account with the company and Equifax with no response or validation of this debt as Equifax claimed. Please remove this fraudulent account off my credit file. 

XXXX, # XXXX {$330.00} XXXX XXXX is reporting fraudulent info on my credit file. Not my debt I have disputed with Equifax with no response I asked for validation and have yet to receive it. This is a fraudulent account and it doesn't belong to me please remove this inaccurate info off my credit file thank you. 

XXXX, # XXXX {$960.00} XXXX XXXX is reporting fraudulent info on my Equifax credit file this account doesn't belong to me, I asked for validation of this debt and no response in months from Equifax in regards to this inaccurate information. This account doesn't belong to me please remove thank you. 

XXXX, # XXXX {$2100.00} XXXX is reporting inaccurate info on my Equifax credit file that is fraudulent and inaccurate. I have disputed multiple times with Equifax with no response. Please remove this fraudulent account off my file thank you.
Complaint sub-issue: Investigation took more than 30 days

I have contacted XXXX XXXX using the CFPB PORTAL on XX/XX/2018 to validate a car loan and they have still not sent any paperwork to me to validate the debt according to the FCRA Furnisher XXXX ( a ) the furnisher have 30 days to validate a debt when requested by consumer or it most be removed if not validated in that time frame.Time frame has pasted 30 days Remove from my credit report immediately debt not valid.
Complaint sub-issue: Debt was paid

After submitting an initial complaint to CFPB ( Case number : XXXX ) I had received, and accepted, an offer from CitiBank to pay {$6000.00}, {$250.00} per month over 24 months, as a settlement for my account. ( letter attached ) I have sent XXXX payments of {$250.00} to CitiBank, but never received a final statement from CitiBank. ( final letter that was included with payment attached - note that I have copies of all 24 letters sent to CitiBank that were included with payments ) I received a collection notice dated XXXX, from a collection agency demanding payment of an additional {$6300.00}, originally from CitiBank. ( attached ) I responded to the collection agency stating that I had paid all monies due ( letter attached ) Collection agency stated in letter that they would provide me with validation of the original debt, but I have never received anything back from them. 

Incorrect listing of the final resolution of my account has been sent to credit agencies by both CitiBank and the collection agency, and has severely hurt my ability to get loans. 

I have made every attempt possible to fulfill my side of this agreement, but CitiBank refuses to honor their side, and I need assistance with getting CitiBank to get them to honor their agreement.
Complaint sub-issue: Account status incorrect

I declared bankruptcy inXX/XX/XXXX. I just saw on my credit report that First Progress credit card is reporting on XX/XX/XXXX the card usage is 64 % and the balance is {$190.00}. This just appeared now and my credit score plummeted by 60 points. I don't understand how this could be, how a closed card can show usage. I called them and the rude operator kept telling me to contact my bankruptcy lawyer. I don't even remember who they were.
Complaint sub-issue: Report improperly shared by CRC

On line looking at a car. l did not authorize hard credit. l was not even interested in the car. Just looking and talking to dealer.
Complaint sub-issue: Debt is not yours

Be it known to all who call themselves " government, '' their " courts, '' agents, and other parties, that I, XXXX XXXX XXXX, am a consumer whose consumer rights are to be protected by the Fair Debt Collection Practices Act, Truth In Lending Act, Equal Credit Opportunity Act and Fair Credit Reporting Act. I certify under penalty of perjury that the foregoing is true and correct. This statement of truth to be presented will display blatant acts of consumer rights protection violations and fraud against myself being a consumer by Discover Financial Service located at XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX ; which will continuously be referred to as " Discover ''. On XX/XX/2021 I sent a cease and desist and alleged debt validation letter in regards to an unauthorized credit transaction listing on all of my credit reports that violates 15 usc 1692C ( b ), which was performed by Discover Financial Service to Discover via certified mail. The cease and desist and alleged debt validation letter sent certified mail was acknowledged and received by Discover on XX/XX/2021. On XX/XX/2021 Discover responded to my request for alleged debt validation and remedy with two documents that completely violate 15 USC 1692g and 15 usc 1692b. Again on XX/XX/2021, Discover responded to my request for alleged debt validation and remedy with another document that violates 15 usc 1692g, 15usc 1692b, 15 usc 1666b, and 15 usc 1605. After receiving these direct consumer rights violations from Discover, the company continued to collect on this alleged debt that was never validated by continuing to report to all credit reporting agencies which violates 15 usc 1692C ( b ). The documents that were sent to me by Discover are corrupt and misleading which violates 15 USC 1692e and 15 usc 1692j. Discovers illegal debt collection practices are unfair and unjust and violate 15 usc 1692f. This company has since then closed the accounts in a negative standing and have created much hardship for me financially, mentally, emotionally, and professionally which violates 15 usc 1692d. This statement of facts clearly displays that Discover knows that they have participated in illegally debt collection practices and continue to violate my consumer rights. The below list of facts is proof that Discover has been violating my consumer rights, disregarding federal laws, defaming my character, limiting my financial freedom, affecting my familys current and future means of living.
Complaint sub-issue: Threatened to sue you for very old debt

I received a phone call on Tuesday from F & M capital stating that I owe a past due amount to XXXX  University in XX/XX/2014. They stated XXXX XXXX paid for my tuition and I had to pay either a lump sum of {$3500.00} or the Full amount {$5100.00} in monthly payments. I wasn't comfortable giving them my information. They sent me a enrollment form to my email, However the address and zip code didn't match. They called me from 3 different numbers. ( XXXX  ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX. XXXX   called me this morning stating that he is from XXXX and that he would summons me in 48 hours. ( XXXX ) XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I am very frustrated at this time, my concern was not properly handled by XXXX credit bureaus - Equifax, XXXX and XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX XXXX XXXX, XXXX XXXX, accounts payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act, account name XXXX account number XXXX. 

XXXX account number XXXX. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

The companies involved is XXXX, Equifax and XXXX. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies
Complaint sub-issue: Information belongs to someone else

The accounts listed above do not reflect any correct transactions done by me. 



My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Complaint sub-issue: Personal information incorrect

Over the past 4 to 6 months I have been trying to get Equifax to correct incorrect information. I have sent in copies of drivers License, SS card, Passport, Medicare card, VA card, XXXX card and each of the three time sending in information requested they close the request with the word ( Unspecified ), ... Equifax I was told Equifax froze the information not at my request, but at an internal request once, second person said XXXX requested it? and they refuse to fix. Several months ago I was told a computer glitch, weeks later I was told internal error. I cant even log into my account, it only states " Try again later, Network error. '' Equifax on XX/XX/ requested it all again, sending onXXXX This same situation was worked on two years ago. never fixed.. Equifax has been not only un-cooperative, they have lied to me, provided false information, stalls and more. At XXXX plus years I just don't need the XXXX.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquiries on my credit report with both Equifax and XXXX that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from both of them stating the same thing which is ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below. 

Equifax : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX & XX/XX/XXXX, XXXX XXXX/XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX. 

XXXX : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I did not authorize these inquiries with any of the above listed companies on or around these dates. 
Thank You for your time.
Complaint sub-issue: Problem with fees charged

This has been an ongoing problem with end in sight. I was involved in a car accident, where I was rear ended and my vehicle was a total lost. The insurance company paid off my car loan and everything was clear. After the car paid, I see this charge on my credit report. I contacted the loan company, they informed me that the charge was sent to collection and they had no information about the loan. I filed a complain with the credit agency and this is the result, " Charged off as bad debt Account information disputed by consumer, meets FCRA requirements ''. 

I have no idea what to do, I have asked for a bill, to explain this additional charge and have not received anything. I did not receive a statement from this loan company after the insurance paid them off. 

I ask for assistance in this matter. The loan company is refusing my request and continuously put me on hold and disconnect the calls.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report an accounts that have not been verified. 

Accounts : XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX Equifax has responded amd stated that these accounts are valid. They supplied no documentaion showing my obligation to pay these accounts. Equifax did supply a contract with a unknown company XXXX XXXX XXXX the same documents sent to me from XXXX XXXX XXXX. There is no contract showing I owe XXXX XXXX XXXX. Its also shows that these are two different companies. ( Please see Arizona secretary of state business information attached ) XXXX did not provide their licensed information proving the validity of their company or their authorization to collect in the state of Arizona. I have no knowledge of any such account with them or XXXX XXXX XXXX and would like to have the original contract sent to my showing my wet signature. XXXX XXXX has no business with me and never has had any business with me. XXXX XXXX and XXXX XXXX bank have not been verified or validated as well there are no documents that I have received showing my obligation to these organizations.
Complaint sub-issue: Information belongs to someone else

I have contacted these companies and the bureaus on several attempts an got no results. These accounts are reporting inaccurate on my credit. The accounts accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX department of education, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

For several months a company known as XXXX has been charging my Cashapp debit card {$10.00} at odd hours of the morning. I have tried to stop this by contacting them, but there is no way to do so. I contacted Cashapp Support several times about the problem as well. They just now put a stop to it now that my account is down to {$1.00}. This is ridiculous as I have no idea who they are or why they are charging me money. I did not do this, please help.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Complaint sub-issue: Reporting company used your report improperly

The is a public record showing on my Equifax and XXXX  credit profile detailing past Bankruptcy- XXXX for XXXX and XXXX. They were both dismissed, nonetheless they show up on my credit report. 

This is unsolicited data and it shouldn't be data-mined and sold to reporting agencies and subsequently end up on my credit report. In the past I have asked these Credit Bureaus to remove these items from my report. I have spoken to the clerk of the court in which I have filed and they ensured me that they don't report this information to credit bureaus and the only way that it could be obtained was through data mining.
Complaint sub-issue: Public record information inaccurate

I have a bankruptcy thats reporting to the 3 credit report agencys that lexisnexis is giving them false information on my report and I told them that this a fraud
Complaint sub-issue: Information belongs to someone else

I applied for a credit card at my bank today XX/XX/19 and I was not approved because there is an account reflecting badly on my credit report. This account is not mine ' I did not open it and i have never given anyone permission to open this account on my behalf. I don't know who this account belongs to nor who could have stolen my personal information to open this account with my personal information but I have already filed a police report. I did not benefit anything such as goods, services or any other benefit from this account and I did not take part in any payments, purchases or any other transaction with this account. I also do not have any contract or relationship with this company.
Complaint sub-issue: Information belongs to someone else

What Compliant? 
CoreLogic RunDate XX/XX/XXXX What type of Problem? 
XXXX XXXX Test Account XXXX, VA XXXX What Happened? 
Fraud Court Record Judgement on File* ( XXXX ) XXXX File Date is ( XXXX ) or more Years Old without Removal* XXXX What Company? 
CoreLogic_XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Who is Involved? 
CoreLogic XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Denotes Identity Theft in the Collecting and Selling of Information for the use in Credit Determination as well as ' Unfair or Deceptive Business Practices.
Complaint sub-issue: Personal information

I opened a bank account with XXXX XXXX XXXX XXXX & They Credit Reports Go Through Equifax. & They Have My Birthday Year Wrong But Saying I Do n't Have Any Credit History. How Can I Change That & Where To Send My SS Card? Birth Certificate & My Licenses To Confirm My Birthday Is XX/XX/XXXX and Not XX/XX/XXXX .. I Need It To Be Done Asap So I Can Build My Credit To Get An Appartment.