Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$21000.00} on the XXXX XXXXXXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Sent card you never applied for

Received a letter on XX/XX/2022 saying I applied for a " XXXX Credit Card '', but because they could not verify my identity they were unable to approve the application. This letter was from " XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, ND XXXX ''. The company name is apparently " Elan Financial Services ''. Ref : XXXX. 

I believe this letter is a scam since I didn't apply for the credit card, nor has an inquiry been made on my credit report. I have learned others have received similar letters for the last few years, or have other various complaints. They need to quit sending unsolicited letters to trick people into calling them. I did NOT call them since that is what they are trying to get people to do.
Complaint sub-issue: Didn't receive notice of right to dispute

My understanding is that XXXX XXXX has assigned a debt to XXXX XXXX XXXX   for collection and based on my research the balance is now {$100.00}. I became aware of the debt based on alerts from XXXX  and XXXX and other than that have no information on the proposed debt. I received no information on any balance from XXXX XXXX and also have received no information on a balance from the collector.
Complaint sub-issue: Debt is not mine

I recently received a letter from this company demanding payment for an account I have no knowledge of.To my knowledge I have never done business with this company and they have never provided me any goods and or services.
Complaint sub-issue: Information belongs to someone else

Some one stole my identity and applied for a store credit card in my name. I called the company and the verified and sent me paperwork stating the application was fraudulent. Who ever applied for the card it was was a hard inquiry which is still on my credit report and its affecting my score.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

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

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, XXXX  continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

SOMEONE RENTED A APARTMENT IN MY GOOD NAME USING MY ID FRAUDULENTLY, FTC REPORT ATTACHED. AT XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. The following accounts are what's reporting in error : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) I pulled my report and i know all accounts should be 100 % accurate, right. Well i found alot of things that are in violation of FTC. Please remove this account from my profile immediately. 

Report Number is XXXX from XXXX Credit Report Reference : Reference # XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Debt was paid

To : whom it may concern I was seeing a XXXX for my car incident. My lawyer informed everyone was paid for their services. However years later Im receiving phone from a collection agency stating I owe money. I don't owe any money. I do not want this collection to go on my credit. 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE 2917 DATA BREACH CAUSED BY EQUIFAX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER REPORTS.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, 2017, LexisNexis sent me a letter indicating they were " suppressing '' the bankruptcy record on my file maintained by them. I assume their use of the word " suppressed '' is tantamount to " deleted ''. As on this date, I have not received a resolution letter or the updated XXXX XXXX report. Additionally, LexisNexis has not stopped reporting the item in question to the credit reporting agencies. 

LexisNexis internal Case # XXXX LexisNexis Consumer #  XXXX
Complaint sub-issue: Received bad information about my loan

*EXPEDITE* I have contacted the Ombudsman group numerous times regarding a loan that is listed on FedLoan 's website as having been borrowed and disbursed in 2012. I did not attend college in 2012, I did not apply for FASFA in 2012. There is no possible way that I could have a loan disbursed in 2012. I contacted the CFPB about this before and was refereed to the ombudsman group. FedLoan servicing said that all there info is correct but it is not. The ombudsman group website has been absorbed into the federal aid website and there is no way to check on an ombudsman group complaint now. Basically I 'm waiting to be sued by the federal government at this point so that a judge can help me. FedLoan servicing is literally ruining my life. I ca n't EVER get married or have children at this point unless someone solves this issue. FIX THIS NOW!
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Complaint sub-issue: Company closed your account

My credit account was closed today because according to CITI they said i had to many recent inquiries on my account after telling me in many conversations that im a valued customer and they value my business. Thanks for your help.
Complaint sub-issue: Account information incorrect

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Account Name : US DEPT ED Account # : XXXX
Complaint sub-issue: Debt was result of identity theft

company : XXXX collector : XXXX XXXX/ERC REF # XXXX I use to have XXXX phone service & switched over to XXXX XXXX  in XX/XX/XXXX. 
Upon checking my credit score I found this negative mark on my score ( {$700.00} ) .First of all, I had no outstanding debt with XXXX or they wouldn't have switched me over to XXXX  and given me the unlock code for my phone to switch over. 
I assume this was a discrepancy found later, which leads me to believe of identity theft.The other  scenario I believe would be that they made a mistake and recharged me for a phone i purchased long ago and have a receipt for ( justifying a XXXX price tag ) .Another one is that they kept charging me after I switched over. I don't know, I'm guessing, since I can't talk to XXXX about it ever since they sent it to collections. 
Another point is that collections never contacted me, ever. 
I contacted them when I saw my credit score on  XXXX XXXX, very strange for a collections agency.So this comes as a surprise 4 years later. 
In summary- i don't owe this debt, it is a mistake XXXX would not have transferred/ given unlock codes if I owed this and never mentioned anything. 
i can't talk to XXXX directly about the matter. 
ERC XXXX credit never contacted me and does little to resolve the matter except bill me the amount. 
Thank You -XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

These accounts must be DELETED. Equifax has NOT send ANY PROOF OF VERIFICATION or ORIGINAL DOCUMENTS with SIGNATURE OR ORIGINAL CONTRACT of these accounts. Equifax is violating my consumer rights by reporting false information on my credit report. 
These accounts below must be deleted. 

1 ) .XXXX XXXX  XXXX Account XXXX XXXX Balance : {$1900.00} ( This account is reporting for more than 10 years ) Must be deleted XXXX ) .XXXX XXXX XXXX XXXX Account XXXX Balance : {$9100.00} ( This account is reporting for more than 10 years ) Must be deleted These two accounts listed above Must be DELETED. Equifax is reporting these accounts for almost 10 years now on my credit report. I have sent multiple documents in mail to Equifax showing that these two companies DO NOT HAVE ANY ACCOUNTS on file with my name on it or any documents with my signature on it. Equifax must Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years now. By LAW, the credit bureaus are only allowed to list negative items for a certain amount of time. These accounts MUST BE DELETED NOW.
Complaint sub-issue: Information belongs to someone else

I HAVE SENT MANY LETTERS TO THIS COMPANY AND THEY HAVE NOT RESPONDED. 

I AM A VICTIM OF IDENTITY THEFT. AND EQUIFAX HAS MUTIPLE FRAUDLENT COLLECTIONS ATTACHED TO MY ACCOUNT WHICH ARE NOT MINE. 

PLEASE REMOVE AND BLOCK THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Got debt collection notice in mail today from XXXX XXXX XXXX of XXXX XXXX Notice was in Spanish. 

Called XXXX XXXX XXXX at XXXX to ask for an English-language copy. Agent said she would send one and it would arrive in 7 to 10 business days. 

Filed a complaint against XXXX XXXX XXXX with the State Attorney Generals office. 

Called CITIBANK to see if debt may have been based on identity theft. Agent told me that no account existed in my name or under my social security number. So question remains how did XXXX XXXX XXXX tie me to this debt, if a real debt it is. Did XXXX invent the debt? 

Contacted my lawyer XXXX XXXX in XXXX, MI. Told me to send certified letter and what to put in it. Did so, which XXXX XXXX XXXX received. 

On XX/XX/2018, XXXX XXXX XXXX sent me another notice also in Spanish. 

On XX/XX/2018 XXXX XXXX XXXX responded to my certified letter of XX/XX/2018. This response was composed of an explanation of where the debt came from but did not contain any supporting evidence beyond what it claimed appeared in an electronic file indicating the debt. 

XXXX XXXX XXXX never responded to the fact that the debt was incurred via a CITIBANK credit card, which I do not have and, moreover, CITIBANK has no record of me owning one. CITIBANK checked its records via my name and social security number. 

Will send another certified letter demanding payment history, one from CITIBANK itself. ( Haven't sent as of XX/XX/2018 ). 

XXXX XXXX XXXX has not provided anything beyond what it said appeared in the Sellers records. 

Called XXXX XXXX at around XXXX XXXX. Wanted more information about lack of detail in response to my certified letter. Spoke to XXXX XXXX in dispute department. She thought it unusual that the notices were in Spanish and that the billing address was in California. She promised to do more research and that I should call her in a week. I told her I wanted a letter from XXXX XXXX indicating all of the information it had on the information she told me or I would pursue matters with the Michigan State Attorney Generals office. Earlier in the conversation she indicated that the AGs office contacted XXXX XXXX. 

On XX/XX/2018 XXXX XXXX XXXX send copy of billing statement from a Sears in Spanish indicating the debt of {$360.00} and giving the address to sent the amount to Sears Credit Cards. I thought the debt was incurred via a CITIBANK credit  card. I also got the address of the person or persons who made the purchase. XXXX XXXX XXXX never bothered apparently to check to see if the address was valid. It isn't. I looked for it in XXXX I also got from XXXX XXXX XXXX a form for filing a dispute related to identity theft/fraud in which I am to include my social security and driver 's license numbers. 

I just called my lawyer 's office.
Complaint sub-issue: Problem with personal statement of dispute

My Discover card was taken and used without my knowledge to buy womens clothes Discover is trying to make me liable for this balance and has turned it into my credit t report affecting my credit score.
Complaint sub-issue: Problem with personal statement of dispute

I have written a letter to the XXXX of Carmax, about my condition and what happen to my excellent payment history. In XXXX XXXX, I suffered a XXXX which left me disable at the age of XXXX. Please see my attached letter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank XXXX XXXX XXXX for the excellent  service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XXXX of XXXX. 

I bought my XXXX XXXX in XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XXXX XXXX, it has left me disable and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the XXXX XXXX XXXX and they have approved my claim. Id have a spotless payment history. I understand my obligations with Carmax and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account. 

Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Carmax XXXX late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future. 

Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Carmax may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Carmax, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope XXXX XXXX XXXX believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon. 

XXXX, XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Please pull the phone records for a conversation that took place approximately XXXX XXXX XXXX. I  had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months grace period after graduation. So I called in because I had just graduated 3 months prior. The representative told me that I was correct and that you guys start sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the Fedloan customer service agent on approximately XXXX XXXX XXXX I  waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX notifies me that approximately 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I cant get a decent rate on my car loan, and my credit score has been brought down to the XXXX 's solely due to Fedloan 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with Fedloan 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals then automatically get rejected too. I have called in and talked to Fedloan customer service additional times and they told me to keep submitting more disputes ; which I have to no avail. This is ruining my life. I have been experiencing constant stress, imbalance in my relationship, a feeling of financial insecurity, XXXX, XXXX. This is not fair to my human well being and a direct block of the American dream. I have attended college for 7 years straight full time and got a good career and I have had my Fedloan student loans as well as ALL of my other bills set to Autopay ( never missed or late ever ) and yet I am rejected for a home mortgage and can not move forward in life. Please help me CFPB! Please do n't let them continue to ruin my life! <P/>-XXXX
Complaint sub-issue: Investigation took more than 30 days

I contacted the three credit bureau about an account on my report. Its been over 30 days and I still havent heard anything back from the company nor the three credit bureaus
Complaint sub-issue: Information belongs to someone else

Equifax keeps reporting accounts that are in someone else name and social security number. The following items on the enclosed PDF file are not mine. There is an alternate social that Equifax keeps reporting and can not get it through their head that the alternate social being reported IS NOT MINE and all the creditors have verified this and told me they removed the item, but yet Equifax continues to report it. I have enclosed a printout of the items, every item in YELLOW is NOT MINE, also a copy of the latest three police reports filed. The two addresses in yellow are not mine either. XXXX said they would remove it, XXXX XXXX sent a letter to remove it and yet they appear still on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Our local XXXX chain of grocery stores regularly offers Visa and XXXX gift card promotional offers. During these promotions, I regularly buy large quantities of these gift cards to accrue rewards, and spend the gift cards for routine business activity. All of these gift cards are issued and serviced by U.S. Bank. 

Anywhere from XXXX XXXX XXXX XXXX of all of the gift cards I purchase are compromised and locked immediately on purchase. The only avenue US Bank offers to unlock, and replace the cards ( by sending me a new one in the mail ), is to call an overseas support line. This support line is regularly so backed up that the call disconnects and the automated system advises me to call back at a later time. The times that the call does go through, I'm on hold for half an hour, and spend another XXXX minutes resolving the compromised card. 

The issue at hand, is that the policy of the customer service representatives is they will only replace one single gift card per phone call. Due to the amount of cards I purchase ( and the sheer quantity of compromised cards I am sold ), and the impossibility of ever getting through, the policy US Bank has in place actually makes it impossible for me to ever get these cards replaced. There is simply not enough hours in the day, even if I did not work nor sleep, to replace these cards one by one over the course of a XXXX minute phone call. US Bank has provided no other avenue or recourse for me to have these cards replaced and by doing so is holding my money hostage. They have made it impossible for me to replace the cards.
Complaint sub-issue: Billing dispute for services

i went and see my credit report online on Credit Karma and I 've seen a lot of bank accounts that someone use my social number and open them. I just need all of them to remove from my life. I can list all of them for you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is all the accounts that i have never regonize. i really need them to dispute from my credit reports.