Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting my free annual report

The credit Bureaus are giving out wrong information on me and refuse to give me my credit report. I am being discriminated by the credit bureaus and they are giving the XXXX person, who is using my information the correct information, and giving the people that I apply too, the wrong information.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX, and I always do my payments on time. However, I noticed that there are late payments reported on my Credit File. You see I have a steller payment with this compaany and I was never late in paying. I kept my own records of payments and the information they present is totally different from what I have. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 XXXX : {$920.00} Date Opened : XX/XX/2015
Complaint sub-issue: Information belongs to someone else

FRAUDULENT ACCOUNTS AND IDENTITY THEFT
Complaint sub-issue: Information belongs to someone else

I was at a car dealership today XX/XX/2019 and when they ran my credit to see if I qualified for the loan I was told that I didnt because there were some accounts in negative standing on my credit. None of those negative accounts belong to me. I have reason to believe that these accounts were opened by either my dad or uncle since they both have the same name as me. I never allowed anyone to open these accounts using my personal information and I have already filed a police report. I did not benefit anything from these accounts that were opened in my name nor did I make any payments or purchases with any of these accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX i received a alert from equifax saying that there has been a change with my credit card account issued by my bank XXXX XXXX XXXX XXXX Account closed at the consumer request.I updated my Equifax report on XX/XX/XXXX and took it to my bank XXXX XXXX XXXX XXXX sent notification to Equifax on XX/XX/XXXX and i disputed the account the same day i have supporting documents from my bank.On XX/XX/XXXX My credit file was updated my credit card account was reporting open.On XX/XX/XXXX my credit file was updated credit card close at the consumer request.XXXX, XXXX has been compliant by updating my credit card account at XXXX XXXX XXXX XXXX request.Equifax is being non compliant and is breaking the fair credit act law.I Will be submitting supporting documents to back up my claims.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending letters to Equifax all year to remove an account because it was not properly verified and it violated my rights I have asked Equifax For verification and I have also asked them for method of verification which they did not provide but According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Your company is required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you post on a credit report to a sure maximum accuracy. 0n XX/XX/2020 I sent a letter providing proof that they did not properly verify my account and have violated my rights under the FCRA I have attached proof of this error and a recent screen shot of the credit account
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous information reporting on my Credit Report : XXXX
Complaint sub-issue: Sent card you never applied for

Well I have a email saying that there were some alert on my credit bureau which the website is called kikoff.com. I dont even know how they got my information I dont even know how they got my email and theyre pretty much watching my credit so Im kind of worry and I need this to be resolved because the number that they have to call customer service it doesnt work and the number is XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Someone logged into my accounts and possibly took some of my personal information. Lately Ive been receiving letters about opening new accounts. Today I recieved a couple of hard inquiries on my credit report from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) that I have no knowledge of. I have not applied for any credit recently. With that being said I would like this to be removed immediately.
Complaint sub-issue: Investigation took more than 30 days

it has come to my attention that equifax is refusing to remove false and misleading item from my consumer report. it has been months and they still refuse to remove these negative items from my consumer report. i have read the article that they are giving consumers low credit score which is true my score is not accurate and should be higher i have sent them proof that these items are not mine for months and still refuse to remove them. Pursuant to their data sharing policy under consent they admitted that they get my consent without me even knowing when it must be made clear that they are i am requesting that they send me a copy of this consent for it is raising my concern. The XXXX XXXX must be removed from my consumer report it was told from the collection company that it is to be deleted the inquires stated in the ftc report are not mines i never gave them consent nor authorized the inquires they are not factual and must be removed but when i resubmitted the report you tell me that they are not removing them at this time remove them immediately and XXXX account is a consumer Credit card transaction and is excluded from a consumer nor was i late remove immediately. you are civilly liable for refusing to remove these negative items. This is not a error
Complaint sub-issue: Can't close your account

I closed my account on XX/XX/2018, got a check & have a closing statement. SS sent a check to the bank, {$650.00} on XX/XX/2018, which should have been returned but the bank reopened my account with out my knowledge or permission, than allowed withdraws that were not owed. I sold my house in XXXX closed all accounts & moved out of Tn. the XX/XX/XXXX yet they allowed money taken in XXXX & XXXX. The bank made the mistakes not me but now do not want to give me my money back.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$620.00}
Complaint sub-issue: Problem during payment process

I received 2 late fees from PNC Bank for paying my credit card bill on the due date over the phone after XXXX. I was not made aware that a payment made after XXXX is considered late. On both occasions I asked the PNC employees if the payment would post on the same day and I was told yes. I noticed a late fee on my account and asked for it to be over turned because I paid on time. They denied my request. I do not think that this is fair.
Complaint sub-issue: Account information incorrect

On XX/XX/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt they are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to either of my letters, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint was filed : Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Incorrect information on your report As of XX/XX/2021 the report with Equifax has been updated to the attached screenshots - still inaccurate. This malicious inaccurate reporting of non existent delinquency has effected my insurance rates on both my home and auto among other things - this is my last attempt to get correction before legal action.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have already filed a complaint with you about issues with Citibank cards. After months of trying to fix the issue and Citibank reporting me to Credit bureaus they finally accepted their mistake. My problem now is they keep sending me to credit bureaus which is lowering my once high credit score. I have asked them to please inform the agencies of their mistake in order to fix my credit but they have not done this yet, they actually sent in a 90day late payment against me. I have endured months of them basically calling me a liar, hanging up on me and " refusing to look at the issue any further ''. Now they finally realize they were wrong but still keep hurting me. I did nothing wrong. I got a credit card, used it and paid my bill on time every time. Citibank should not be allowed to push people around like they do, it's just not right. How is a company allowed to do this? Seriously I am not understanding this. Thank you CFPB for all your help in this matter, I truly appreciate it.
Complaint sub-issue: Account information incorrect

My student loan servicer XXXX is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am 100 % XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from XXXX, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXXXX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 XXXX I have never authorized XXXX to run my credit i boughta car came with fin in hand use own bank contacted dealer as well as XXXX  please remove there is no open accounts on my credit with XXXX as of XX/XX/2022
Complaint sub-issue: Information belongs to someone else

After numerous attempts to try and fix fraudulent addresses, names, and accounts on my credit report from XXXX, Equifax, and XXXX, I haven't had any results or verification from anybody. The only name that should be on my credit report is XXXX XXXX XXXX. The only address that should be reported on my credit reports from all 3 bureaus should be as followed : XXXX XXXX XXXX, XXXX NC XXXX. All these other addresses are fraudulent. These fraudulent accounts need to be removed they are not mine and they won't investigate my claims. These are the fraudulent accounts as follows : 1.XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX acct XXXX XXXX 3.XXXX acct # XXXX 4.XXXX XXXX XXXX acct # XXXX acct # XXXX
Complaint sub-issue: Reporting company used your report improperly

( 1 ) Equifax has failed to protect mine and millions of others personal information. 

( 2 ) The CEO 's " sold '' off their company shares of stocks " Before announcing the massive data breach. Of which happened a month ago. 

( 3 ) Offering a " year '' of free monitoring service is clearly not enough considering the amount of personal data lost and the soon to come total number of people actually involved. My personal information will be at risk for YEARS! to come. All the thieves have to do is wait a year? This is clearly a marketing scam. 

This company should be under federal investigation for federal crimes against the people and companies. Equifax has become a case of " the inmates running the asylum '' and should not be trusted with such sensitive information. I never gave Equifax permission to keep or gather my personal information in the first place.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously tried twice to dispute an fraudulent account from my credit report. I submit my disputes on XX/XX/2022. The company responded saying ( the account verified ) with no proof of my signature. This account was open without consent and it needs to be removed from my credit report. 
These companies are not following the law according to Fair Credit Reporting Act ( FCRA ). USC code 1681 ( A ) states credit reporting agencies must conduct reasonable investigation when a consumer myself submit a dispute and delete information if the information is 100 % accurate. 

Account : XXXX XXXX XXXX 
Account : XXXXXXXX XXXX  - account verified Equifix - account verified The ( FCRA ) federal fair credit reporting act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.
Complaint sub-issue: Public record information inaccurate

I filed XXXX XXXX in XXXX, FL XX/XX/2022. I only had a few creditors in it. DISCOVER CARD is showing as XXXX of those filed for petition of XXXX  XXXX and THIS IS INCORRECT. THEY WERE ALWAYS PAID AS AGREED AND THE LAST STATEMENT I RECEIVED SHOWED XXXX BALANCE. I have disputed thru all three bureaus and it never us corrected. I CALLED DISCOVER ON XXXX @ XXXX spoke to BK DEPT XXXX XXXX She said since they received notice from middle XXXX  that I had filed, this is how they report? I told her that they are in violation of fair credit act and deceiving misreporting me. She spoke to supervisor XXXX. They said it would be CORRECTED. I DEMANDED A LETTER TO CLARIFY THIS. They sent one letter stating the account has been closed but NOTHING about removal of XXXX  XXXX filing. I have reviewed my reports weekly and nothing has been done.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Can't use card to make purchases

on XX/XX/2020, an automatic payment was made to Citi ( auto pay setup by me and initiated on their side to pull from my bank ) and cleared my bank on XX/XX/2020. As of XX/XX/2020, the amount of the payment is still not available to use as credit on the account ( ie, my credit limit is temporarily lowered by the amount of the payment amount ). 

I contact Citi 's customer service and was told that they can see receipt of the funds on their side already ( ie, they have my money ). However, there is a verification hold on the payment until XX/XX/2020. That is a nearly 2 week period. 

The representative said there is nothing they can do to release any of the payment funds earlier than XX/XX/2020. 

This happens to be a new card account, so I was told that since is the first payment, that is one reason why there is a hold.
Complaint sub-issue: Denied request to lower payments

To whom it XXXX concern, My finance company Flagship Credit Acceptance is using an illegal forwarding company that is based out of XXXX and has no business license in the state of california to operate. XXXX XXXX is the company and XXXX is the owner. 

My car was repossessed in XX/XX/XXXX by XXXX XXXX and XXXX XXXX, they both came into my underground parking illegally and lied about where they picked my vehicle up from. To this day XXXX is still operating out of California illegally. I received a settlement from XXXX XXXX and XXXX XXXX, I wanted to make the CFPB aware of this and the practices of Flagship Credit Acceptance and XXXX XXXX along with their partnership. 

XXXX from XXXX XXXX showed up XXXX on XX/XX/XXXX just before covid. He took pictures and i asked " am I going to get visit from Flagship concerning my vehicle, XXXX assured me I would not. This was the 2nd time XXXX XXXX has come to my place and made contact before or after the CFPB time frame. 

I received a phone call on XX/XX/XXXX at XXXX From Flagship and I am in the state of California and this is the 2nd time this has happened with Flagship. The last time Flagship blocked me from making any contact with them please insure they do not do this again when they are investigating.
Complaint sub-issue: Information belongs to someone else

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX XXXXo check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$540.00} XXXX   XXXX {$500.00} XXXX DOFED XXXX {$900.00} XXXX XXXX {$490.00} XXXX   XXXX {$150.00}
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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 swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}XXXX XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$82.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.