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

I AM VICTIM OF AN IDENTITY THEFT AND THE I WOULD LIKE TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE NEVER REQUESTED THE DISCOVER PERSONAL LOAN ACCOUNT TO BE OPENED, I HAVE NOT MADE CHARGES ON THAT ACCOUNT NOR I MADE ANY PAYMENTS ON THAT ACCOUNT. THAT IS A FRAUDULENT ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. AGAIN, THAT ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE ACCOUNT AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER REQUESTED TO HAVE ANY RELATION WITH DISCOVER.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear CRAs/XXXX/Equifax ; XXXX ; Please see the attachments for detail. I was reviewing my credit report today with my family & noticed all those accounts below still reporting on my credit report as-is. Therefore, its telling me that you never conducted a truthfully investigation with your organization but however you continue to send me random pre-printed templates responses. Those items below continue to report with multiple inaccuracies and violations and they are incomplete and therefore unverifiable. 
Still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

XXXX XXXX XXXX XXXX XXXX inaccuracies, DELETE! 
XXXX  XXXXXXXX XXXX XXXXXXXX inaccuracies, DELETE! 
XXXX XXXX XXXXXXXX inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXX inaccuracies, DELETE! 
XXXX XXXX XXXX XXXXXXXX inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXX inaccuracies, DELETE! 
XXXX XXXX XXXX  XXXX inaccuracies, DELETE! 
XXXX XXXXXXXX XXXX XXXXXXXX inaccuracies, DELETE! 


I was also reading some new findings from cfpb about your level of investigation. And I quoted " CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''
Complaint sub-issue: Debt is not yours

The llc company XXXX XXXX has reported a debt that is past statute of limitations from XXXX XXXX. I want validation and removal of this debt from my credit report. And all copies and documentation forwarded to me. Again, this company is commuting fraudulent activity by reporting fraudulent information on my credit report, which effects the quality of my life. I expect the removal and full validation and investigation within 30 days. 


Thank you, XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax contacted XXXX XXXX XXXX  stating I filed a fraud complaint with their agency disputing a credit line of {$300.00} opened without my authorization which is false. XXXX XXXX XXXX suspended all access to account paid on time. 

Equifax acts resulted in closure of a good account while I am in a mortgage purchase process with a closing date of XX/XX/2019. XXXX XXXX XXXX will not reopen account.
Complaint sub-issue: Was not notified of investigation status or results

I am higghly upset that the credit bureaus have not responded back to me about my investigation. this is extremely important to me I need the accounts that dont belong to me to be deleted as soon as possible.
Complaint sub-issue: Debt was paid

We just received a letter from this debt collection agency stating that we owe to the company we used to rent our apartment from. There was no correspondence from the rental agency about any money owed, and they even kept our {$800.00} damage deposit without any explaination. This rental agency needs to be reprimanded for taking advantage of it 's renters.
Complaint sub-issue: Information belongs to someone else

Ive reached out to the credit bureaus in regards to the accounts on my credit report. These accounts were opened without my knowledge. I asked to have information regarding the original contract of these items within 30 days. The credit bureaus have not responded within 30 days of written instructions.
Complaint sub-issue: Frequent or repeated calls

Harassing me at work, calling and harassing fellow coworkers, will not answer any questions with any form of pertinent information. Would not tell me what the company was other than a name.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received an email from Credit Karma notifying me that a hard inquiry was made on my credit reporting agency named XXXX XXXXMy account has had a freeze in place since last year or longer.When I went to all three reporting agencies to examine my reports I saw no hard inquirys. Im not sure if Credit Karma is a fraud or not but they sent me the email asking if it was me. No! It wasnt me! I did not click on any links in the email but went to the three seperate credit sights desperately. I also tried to call the bank that did the hard inquiry and no matter what I said I could get no help. They prompted only for my account or social security numbers so I hung up
Complaint sub-issue: Their investigation did not fix an error on your report

I have been fighting an account with XXXX and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from XXXX and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?
Complaint sub-issue: Old information reappears or never goes away

I was intimated by XXXX that my credit score was downgraded 27 points. This was in the same month that I have successfully paid off my mortgage without a single delinquency. I called all three credit bureaus to no success, no one could tell me why and from where the deliquency was reported.

I called FICO who charged me {$59.00} just to see my report which they said they couldnt comment on till they saw it. They have promised to reverse the charges but I dont have that just yet. All this was on XX/XX/XXXX and XX/XX/XXXX. 

I finally found out that a delinquency already reported in 2017 was again reported this month thereby dropping my score by 27 points. This is extreme carelessness and this is on a account that is CLOSED. 

Everyone is making me run around in circles to figure out who will fix this. XXXX that originally started this drama over {$8.00}, wont talk to me because the account is closed.
Complaint sub-issue: Debt is not yours

Mrs Bpo constantly harasses me during various hours of the day and I never pick up as the number is unknown. Now I find out they have reported an XXXXXXXX XXXX account which isnt mine. This is the second collection company harassing me for this account which is not mine. The address on this account was from Alaska. I have not lived in Alaska for over 15 years. The phone numbers on the account are not associated with me at all. I have no knowledge of this XXXX account. I have not had XXXX for over 10 years. This collection needs to be removed from all the major credit bureaus immediately.
Complaint sub-issue: Threatened or suggested your credit would be damaged

This company XXXX XXXX XXXX ALSO known as USCB says that I OWE $ XXXX. I have disputed to them numerous times over a 2 month period that that account was not accurate and i asked them if they could provide me a documented copy of my signature on paper. Ive requested to them with my disputes that they remove this incorrect item off my credit report and update immediately. I have not received any response nor have I received any removal off my credit report. I have reached out to them via phone and no luck there either. I know this account is incorrect and I need them to remove the debt immediately.
Complaint sub-issue: Investigation took more than 30 days

I've filed a dispute with the credit bureaus in regards to inaccurate items on my credit report. it has been over 30 days and i have not received any investigation results
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XXXX XXXX. My credit card was charged XXXX US dollar. and when I called the bank, they says it 's the system error they will give me refund.and they did give me the XXXX us dollar refund, but on the XXXX and the XXXX us dollar charge showed on my statement again.I called the bank ask for solution, they keep saying " It 's not your problem '', and they will investigate for me. I payed for the minimum on the credit for about two month, the debt collection company keeps calling me for the money that I " owned '' .This problem is not solved until today.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This bankruptcy on my credit report must be removed as for the fair credit reporting act and the creditors are not required to report anything to the credit reporting agencies! So why is there any bankruptcy reporting on my credit report that is reported to this credit reporting agencies. This is clearly an error on your part as a credit reporting agency reporting a Bankruptcy! Send me all your data about where you gathered this bankruptcy!
Complaint sub-issue: Other problem

I havent been able to access my citi account for XXXX MONTHS. All they call about is getting my minimum payment, but when I try to get access to my account again it is ENDLESS transfers and holds. 
I can NEVER get anyone from the USA on the phone, anything I ask besides their script gets IGNORED. 
WORST. COMPANY. EVER. 
And then today ( XX/XX/2022 ) I get a voicemail from them, call back ( which takes XXXX min to even get connected ) to which point the person is asking ME why Im calling and when I mention that YALL CALLED ME, I get put on hold. Still am on hold. 
IVE WASTED SOO MUCH TIME
Complaint sub-issue: Account information incorrect

Multiple times I have tried disputing incorrect accounts with these credit bureaus but they always fail to make corrections. I have contacted them around 5 times in the past 3 months trying to get this info off my report along with sending them proof that the accounts are not mine and invalid.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$6800.00}, {$3.00}, {$4100.00}, {$8200.00}, {$210.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX  DELAWARE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

I woke up to numerous accounts on my credit report that I have no connection to.I immediately called XXXX  and was informed I had to file a FTC report. So I then filed a FTC Report ( FTC # XXXX ) and sent it to XXXX, Equifax and XXXX  via USPS. XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ) XXXX  received my complaint on XX/XX/XXXX ( tracking number # XXXX ). Ive faxed Equifax my complaint and none of these entities has remove the fraudulent accounts. They are taking advantage of me as a consumer and dragging their feet with removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 7 days and the fraudulent accounts are still on my report. My score has dropped over 100 points due to this. Equifax has even went as far as sending me a letter stating that pursuant to FCRA 605B ( c ), which is a very disrespectful and vague response being that they're not being specific to which subsection they are choosing to deny my demand pursuant to being that there's 3 different sections listed under that law. Furthermore, by providing such a vague answer they're not affording me a chance to rebut their statement directly.

Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 )
the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Complaint sub-issue: Account information incorrect

s XXXX equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!
Complaint sub-issue: Information belongs to someone else

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that 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 information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Complaint sub-issue: Didn't receive notice of right to dispute

I noticed that my bank account was less than it should be. I contacted my bank and they stated that there was a writ of execution on there! They provided me with the company contact information so I called. They said that there was a judgement against me back in XX/XX/2013. I asked if there were other options for payment and the woman said NO, we will not release the funds. I again asked if there were other options for payment. She again said No. I reminded her that this judgement was from XX/XX/2013 and she said it doesnt matter we have so long to collect and we will not be releasing the funds! I was never notified and they would not offer any alternative methods of payment then the one lump sum they were holding!
Complaint sub-issue: Information belongs to someone else

Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records.There is 1 account reporting to Equifax which is fraudulent and I'd like it removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law and I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional and physical health.
Complaint sub-issue: Trouble with how payments are being handled

I 've been in repayment of my loans since XX/XX/XXXX with Fedloan. In XX/XX/XXXX of this year ( XX/XX/XXXX ) I enrolled in a XXXX degree and applied for loans. Once my new loans were instated, fedloan, automatically deferred my previous loans. I called them immediately on XX/XX/XXXX when I realized this had been done and I requested it be reversed as I want to continue paying my loans. They told me I have to sign a waiver and I requested they send it to me right away. Today is XX/XX/XXXX, I still have not received the waiver, despite 5 more conversations with Fedloan. I am told that once I do receive and submit it to them it will take another 7-10 days to reinstate it. In the meantime I am accruing interest at the full rate instead of the rate discounted .25 % for having automatic debit through them. I never asked for my loans to be deffered and they are being extremely unhelpful in allowing me to repay my loans.
Complaint sub-issue: Information belongs to someone else

These accounts are not mine. They are inaccurate information, and need to be removed immediately from XXXX, Equifax, and XXXX
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 USC 1681 : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX Above Listed 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 diverse item of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe that the information in inaccurate.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

Gentlemen, I have been trying my best to raised my Credit Score. Lately, When Refinance my 2 Vehicles From XXXX XXXX  and XXXX XXXX XXXX XXXX. With the XXXX XXXX XXXX XXXX recently in about a month. And My Credit Score was at XXXX With the XXXX. And my former vehicle account was closed and my new vehicle refinance loan showed on my credit report. However, The Equifax gave me a score of XXXX and the XXXX was XXXX all of this was the result of my refinancing loan. They never factors that my balance was going down. Infact, One of the Vehicle Loan I co-signed for my son at {$550.00} a month also with XXXX XXXX XXXX XXXX. My son XXXX XXXX. Who is a Member of the XXXX XXXX XXXX. Had been paying his Car loan for the Past 4 years and has only XXXX plus left over. And they should take-off the account after the 12 months period my son was paying for his car. They can verify with XXXX XXXX XXXX XXXX. That my son is the one paying for the car loan that I have co-signed for him. And their poor evaluations of my Credit Performance.  Affected my ability to get a better rate In shopping for for Home Purchase with the XXXX XXXX  as well the XXXX XXXX. I want these ( 3 ) Credit Bureau Reporting agency. To correct my score and provide me a copy of their recent adjustment to my Credit History report. I do hope, They will heed your Good Office and provide the New Credit Report ASAP. Thank You very much for your Immediate actions on the matters and Considerations. Sincerely, XXXX XXXX. XXXX XXXX Home Adress : XXXX XXXX XXXX, XXXX. AZ XXXX
Complaint sub-issue: Report improperly shared by CRC

I have approximately XXXX hard line inquires on my report ( via XXXX XXXX ) and they were NOT authorized to do so! How do I remove them from my report! These inquires have caused my score to decline significantly and I am livid!
Complaint sub-issue: Can't qualify for a loan

Applied as a co-signer for my son and the application was stilled denied. 
I am XXXX and retired, but carry an impeccable credit score / FICO ( XXXX, XXXX, XXXX ). 
Plain and simple - age discrimination and work ( retired ) discrimination, against SallieMae.