Johnade/consumer_complaints_cfpb huggingface dataset:
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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX XXXX 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 instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Old information reappears or never goes away

In XXXX I sent a letter to Equifax to remove undeliverable addresses from my credit report. On XX/XX/XXXX, I received a letter from Equifax stating that the disputed address was removed. But when I receive current credit report the address still remains. The latest credit report is dated XX/XX/XXXX, and it is still listed on my report. Every time I request the information to be removed I receive a letter stating that it was deleted but it never disappears from my credit report.
Complaint sub-issue: Reporting company used your report improperly

I Apply For A Citi Card Credit Card and They Denied me Because Total credit obligations when compared to the total annual income that i provided. and this information is False the information that was provided on this Decision the correct Annual Income was Provided when i submitted the application for the Best Buy Citi Card Credit Card. so i don't understand why they denied my my credit is good i don't have any problem with my credit the Decision that they made is incorrect and i want this to be investigated this is a discrimination from best buy credit card and also there was and inquiry on my report from this application that i made i want for this inquiry to be remove from my XXXX Credit Report BEST BUY CREDIT REFERENCE NUMBER : XXXX
Complaint sub-issue: Attempted to collect wrong amount

Apartment complex was listed XX/XX/2022 on my credit report for a little over XXXX XXXX dollars. I spoke with the complex manager she said she could not provide me with information & that she became manager a a little over a month ago & that she couldnt give any info. On my credit report the leased was from XX/XX/2022 til XX/XX/2022. Same day I received a call bk from the property manager before the one I spoke to, she said the tenant who lived there was evicted i ask her did she meet with the tenant at any point to describe the tenant or any supporting evidence or copies ect. Wit whom she signed the lease agreement wit? She responded with had no identification, social, check stubs, that was given to her & that everything was done online. The person also connected utilities over the phone & sent a connection verification letter through email.
Complaint sub-issue: Information belongs to someone else

Took a trip to california in XXXX of last year upon returning from my trip i found that to of my bank issued credit cards had been used in transactions were my card wasnt present after that i started to get a lot of strange things on my credit report names address and accounts that ive never used or had as well as open account and inquiries contacted the banks and stopped cards and accounts also filed an identity theft report online contacted all 3 credit breau and have had no luck in gettint these things take care of this is all identity theft attempts on my report name XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX places of employment and a collection from a bull city {$150.00} ive never done anything with this company and tons of inquires that are to many to list from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX And also XXXX XXXX XXXX  ive never heard of or done anything with dont understand how they can report this fraud on my credit as if its accurate ive tried contacting them to help XXXX equifax XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

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

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

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX/XXXX  XXXX  - partial account umber XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed and submitted a complaint about the bureaus not investigating an account with XXXX XXXX XXXX that is reporting a balance when there is no money owed to this company. I have attached proof since apparently the bureaus can do what they wish and not investigate when requested, regardless of what the FCRA indicates.
Complaint sub-issue: Their investigation did not fix an error on your report

This will be my second attempt to file a complaint as my first on miraculously disappeared even in taking a screenshot of the ID number XXXX Sent request for dispute and all information pertaining to accounts in dispute on XX/XX/2022 and all delivered by XX/XX/2022. 

XXXX failed to honor my dispute and pretty much sent me a letter stating, doesn't look like you sent this but thanks for trying. I sent the required information as well as paying to have it sent certified mail, only to be ignored while the other XXXX accepted the matter ( s ). I didn't realize that strangers had copies of my drivers license and an insurance bill to send off to get someone else 's credit report fixed. To add insult to injury, they didnt even provide a way to get in contact with them to even reply. No phone, no email, no contact name at all. Only a file number with no directions as to what information was needed to proceed. 

Equifax provided no information to advise that this debt was mine. I asked for all information be sent to me and nothing but a verified letter with the exact same information copied and pasted from my report ; therefore, I must not have any type of contract with them stating that I owe this debt. How was this investigated with no additional information provided?? 

XXXX was the only XXXX to investigate and delete both accounts. So how is it that XXXX was not able to verify the accounts to be correct, yet Equifax did??? IF ALL bureaus are to report ACCURATE information, something is wrong and it all seems very suspicious. 
15 USC 1681 Section 602 A ( 4 ) states that I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions which I did not give. 15 USC 1681 1681 section 2 a ( i ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Name : XXXX ( Next Level ) {$210.00} Account Number : XXXX Please remove from my credit report Account Name : XXXX ( XXXX ) {$220.00} Account XXXX Please remove from my credit report
Complaint sub-issue: Right to dispute notice not received

I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

Between the dates of XX/XX/XXXX - XXXX, XXXX XXXX unknown inquiries were made on my Equifax credit report. These inquiries included XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. From this time through XX/XX/XXXX and again in XX/XX/XXXX Ive made several attempts to reach out to each company, each noting that they are unable to locate accounts in my name or social security number with their company or related services. I was told to reach out to Equifax to have the inquiries removed. Several calls were made to Equifax who explained that the companies must provide notice of no accounts. Calls were made to the companies. XXXX of which, XXXX XXXX XXXX, who recently provided documentation stating no present accounts or contact with the company therefore recommending Equifax to remove the reporting. XXXX company XXXX has failed to respond to attempts for assistance. XXXX explained that Equifax must initiate this fraud inquiry. Equifax says XXXX must do so in order to investigate. XXXX says the concern must go through the fraud dept. but can not be investigated as fraud if no account has been identified. In this time I learned that disputes can be filed with Equifax online. This was done in XX/XX/XXXX but again they were unable to resolve the issue. I learned that Equifax actually makes no calls to the companies, rather they just look at the reporting and deem it factual. They again asked for notice from the companies. 
As aforementioned I was able to get a notice from XXXX XXXX XXXX, clearly stating the inaccuracies and need to remove the inquiry. This was faxed ( as their website did not allow uploads despite what it says ) to Equifax in early XX/XX/XXXX but they again rejected the dispute and deemed the reporting factual despite the company providing the notice that they stated was required. These XXXX false and inaccurate inquiries remain on my credit report going on XXXX years and no one seems able to help.
Complaint sub-issue: Account information incorrect

There are two accounts showing for XXXX XXXX  XXXX XXXX both for the same place. Also the amounts are not correct! There is one showing in the amount of {$3500.00} and one for {$3500.00} When I first started to dispute this Equifax was just reporting one not two and then they added another one after I started questioning the amount.
Complaint sub-issue: Frequent or repeated calls

XX/XX/2019 I received four calls from Conn 's homeplus I gave them XXXX dollars out of XXXX that I originally supposed to pay onXX/XX/2019 they called I told them that I was gon na try getting the rest which is XXXX they call four times that same day XX/XX/2019 they called four time   XX/XX/2019 they called four times XX/XX/2019 they called four times
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been monitoring my report and I noticed that my credit score went down to XXXX inquiries that I did nit authorize and it took my score down very low and It has impacted my life with added stress with the XXXX. I am really in the red zone right now and I do not agree with the actions taken
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX, and Equifax are in violation of 15 USC 1681 subchapter III, Section 1681i Procedure in case of disputed accuracy, Treatment of Inaccurate or Unverifiable Information. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall, ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

I have attached documentation from XXXX Credit Report that shows XXXX, XXXX, Equifax did not complete a through investigation, the information is incomplete, inaccurate, and could not be verified, but they kept it on my credit report anyway. The account numbers are different, date opened, last reported date, comments, monthly payment, account status, and the account type to name a few. Each credit agency has different information, so how could they have done a through investigation. delete all accounts with inaccurate information immediately.
Complaint sub-issue: Threatened to sue you for very old debt

In XX/XX/XXXX I received a letter from XXXX XXXX with Usi Solutions stating they were the current creditor for a debt that was not owed by myself. I sent out a letter requesting verification and proof of the debt immediately and received no response from the company. My letter was sent certified and I have proof it was delivered. XX/XX/XXXX I received a voicemail stating it was about a judgement being put against me. I called back and they stated they were taking me to court and going to add the judgement to my credit report. The person on the phone said they have a photo ID tied to this, not sure how that is even possible, and read my FULL social security number to me over the phone. I told them they could send whatever paperwork they need to me as I will be disputing it as I had when I initially received the paperwork and did not get a response.
Complaint sub-issue: Didn't receive enough information to verify debt

Ive never done any business with this company and they have not verified this account that they put on my credit report. They are violating several laws including but not limited to 15 USC 1681a ( d ) 2 ( a ) i which means they shouldnt report anything between me and the company to the credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Information belongs to someone else

Equifax refuses to work with me to remove fraudulent information being reported on my credit report. I have been working with them sinceXX/XX/2019 with no success.
Complaint sub-issue: Information belongs to someone else

I contact the  XXXX  on  XX/XX/2017    to report that my personal information was being used to obtain credit.. as of today the results of my request still has not been honored. I asked them to block and remove the fraudulent information and they have not done either as required
Complaint sub-issue: Problem with statement of dispute

I requested Equifax provide me verification of negative on my credit. Fair Credit Reporting Act requires them follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requested them verify the item I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. They sent me the typical verification with the creditor information, but failed to give verifiable proof that this was mine.
Complaint sub-issue: Information that should be on the report is missing

For the last four years someone has been using my social security numbers and trying to get loans last year someone reported that I was released and each year I send information to Equifax and the problem is never sovled this year I notice something else was wrong my potential job tryed to run a background check and couldn't because I had to report fraud of idenity theft for the previous years my I'd was stolen out my mailbox and this person has access to my social security number how they retrieved it I don't know.This year I called Equifax again because my potential employer could not verify my address with social, and asked them to for a temporary lift so my employer could verify my social and they asked me security questions and was not able to lift it because they stated I answered the questions incorrectly, so they asked that I submit information to verify who XXXX and I did each year I have and they keep acting like the information was never received I believe the person who used my information works for the goverment or know someone who does, Last year my social was linked to someone who was dead I had to clear that up the previous year someone got XXXX phones in my name and now this.The process has been going on for four years with this and Equifax is not helping.I worked at XXXX XXXX in 2014 and someone who was from another country had the same social security number as I did.I just want this to stop I do have proof of who iam and can verify that as I have done with Equifax for the last four years it's starting to be a problem, they sent me a letter last year stating I was affected by the data breech.Also this is not right and has also slowed my process to go to orientation for my potential work place which I was suppose to go on the XX/XX/XXXX but  couldn't.I have to take them proof verifying who Iam
Complaint sub-issue: Reporting company used your report improperly

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and XX/XX/2021. I demand the deletion of these inquiries from my Equifax report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter
Complaint sub-issue: Account information incorrect

Dept of Education XX/XX/2013 Balance is {$0.00} Highest balance is {$4100.00} Shows 120-149 days late on the report, but this account is paid in full and closed.
Complaint sub-issue: Debt is not yours

I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020, the bank withdrew from my account {$1700.00} The bank never advised me that I was going to withdraw that money from my account The bank did it without asking CITIBANK did not have my authorization. 
I was informed that the withdrawal was to pay a debt from my father. 
I am not obligated to pay a debt that is not mine. 
I am outside the country and without work. 
What they did was a violation of my account They have to collect that debt from my father and not from me
Complaint sub-issue: Problem with fees

On XX/XX/XXXX they charge me an annual fee for XXXX and on XX/XX/XXXX they closed my credit card account I asked them if I need till to pay the annual fee they told me NO Then I got a late fee and it's keeping on my account that I am late they won't be able to remove the annual fee till 51 days after closing so my credit report will get a bad credit history
Complaint sub-issue: Debt is not mine

A collections report keeps appearing on my Credit Report for a debt that is not mine and I am never notified of the debt until it appears on my Credit Report.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I haven't received a response yet. I feel like my disputes are being ignored and I am being taken advantage of. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been over 60 days, so the items should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My personal information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Complaint sub-issue: Not given enough info to verify debt

IC systems was wriiten on XXXX XXXX, 2016 and legal demand for validation of the alleged debt was made. They have ignored this request.