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

EQUIFAX, I AM GOING TO FILE ANOTHER ATTORNEYS GENERAL COMPLAINT AGAINST YOUR XXXX IF YOU REFUSE TO FIX THIS! 
STOP SENDING THIS COMPLAINT BACK AND GET TO RECTIFYING IT! 
I WILL MAKE SURE YOU PAY ME MILLIONS!
Complaint sub-issue: Trouble using the card to spend money in a store or online

I ( along with 3 family members XXXX received prepaid {$100.00} Visa XXXX  cards in XX/XX/XXXX purchased at a XXXX store in XXXX, OH. The website listed on the card is XXXX and the contact number XXXX. 

The card has been in my possession, unopened in the packaging since receipt. When I tried to access the card online on XX/XX/XXXX, the website states another person has already registered the card and used all the funds in XX/XX/XXXX. I contacted the other recipients of these cards and they all experienced the exact same issue. The funds were stolen from their unopened cards. If this happened to all 3 recipients in our case I imagine many others were negatively impacted. 

I contacted the card processing agency at XXXX and spoke with a manager named " XXXX '' who informed me they could not help unless I had the original purchase receipt for the card. I do not have this as it was a gift, a very common use for these types of cards. I contacted the gift giver and they no longer have the receipt for the card. I still have the physical card and all the original packaging in my possession. 

When I asked XXXX how someone could register my card and use all funds without the physical card she replied, " hackers have access to all kinds of things on the internet. '' She also stated that this is a reoccurring issue with their cards. My guess is that a data breach occurred and information for multiple cards was lost or the processing company is illegally selling the information secondhand. 

I asked for any possible resolution to prove I'm the rightful card owner ( the physical card, the packaging, or any of the corresponding identification numbers ) and regain the stolen funds, however the agents refused to help in any way other than the original purchase receipt. This does not seem like a fair practice to the consumer as people do not typically receive a receipt with a gift card. It allows the company to skirt responsibility for widespread fraud perpetuated with their product.
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. Equifax must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance-
Complaint sub-issue: Problem getting your free annual credit report

I requested my free annual credit report online. I was denied stating it needed to be done via mail. I printed, completed, and sent the requested form along with my ID and proof of residence as requested. I received a letter back stating I was not entitled to receive a free credit report because I had already received one, which is not true or accurate. I requested my report from all three credit bureaus at the same time and date, only one of which complied with this request and gave me my free report online. I go through this with this credit reporting agency every year and I believe it is because I write several complaints asking them to correct my credit report because they have a very regular habit of reporting inaccurately.
Complaint sub-issue: Information belongs to someone else

So I pulled my credit report around XX/XX/2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XX/XX/2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help so i can qualify for a house.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been released as a co-signer and have no responsibility on the 2 XXXX loans listed on my Equifax credit report. I submitted proof and Equifax investigated and did nothing. I would like these removed from my account
Complaint sub-issue: Was not notified of investigation status or results

I have been sending letters for almost two years trying to get this account off of my credit report, this account does not belong to me and the entry is harming my credit report. I did not authorize this account.
Complaint sub-issue: Information belongs to someone else

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act. 


This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. US COurt of Appeals for the Third Circuit Court case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( D.C. 
No. XXXX ). 

They refuse to correct information after being provided proof of inaccuracy.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate reportings with XXXX, XXXX, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX  XXXX XXXX A Account Number XXXX XXXX is reporting an open date of XX/XX/2019, XXXX has an open date of XX/XX/2019, and Equifax XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In or around XXXX, 2019 I went shopping for a car from dealers that specifically stated they are a " buy here pay here with no credit check. '' I bought a car from XXXX XXXX XXXX in XXXX, GA and did NOT consent to or sign any consumer/ credit check request form because it was not required. That was the main reason I went to this type of dealer because I did not want anybody running my credit. 
However, a few months ago I noticed a hard inquiry on my credit by XXXX -supposedly conducted for an auto reseller on XX/XX/2019. I immediately called the number listed for XXXX but I could not get anyone over the phone. I kept calling and leaving messages but to date nobody has ever returned my calls. The company does not provide any option to send an email or dispute online. Ii tried to dispute with the credit bureaus but I was told that for this kind of dispute I have to dispute with the furnisher/provider of the information. I went back to the dealer to inquire why they had XXXX run my credit without my consent and they categorically doing that and restated their earlier position that they are a " buy here pay here '' company that does not do any credit checks. I have since tried unsuccessfully to get XXXX to remove this inquiry from my credit.
Complaint sub-issue: Deposits and withdrawals

I have had 3 charges from company XXXX of XXXX charged to my citibank checking account in error on XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I advised the company to take one bill of XXXX which I had in arrears and asked them to cancel the account. The company went on to charge me in XXXX, XXXX and XXXX. I contacted the bank to dispute the 3 charges at the same time. the bank then created 3 separate cases XXXX, XXXX, and XXXX. I received paperwork from the bank to fax documentation to the bank on fax number XXXX which i did on 4 different times. Using the reference number they gave me for all 3 cases R # XXXX I faxed a letter explaining what happened with all my required info and email conversations with me and the vendor advising them to only take 1 payment and cancel my subscription. The bank initially provided temporary credit for all three charges. A few weeks later the bank sent me documentation that they have no received any documents requested, I called in and spoke to a rep that gave me the XXXX number to fax the info again, which I again faxed. The credits were then reversed advising that documentation wasn't received and the cases was resolved in favor of the vendor. I called back and spoke to supervisor XXXX who advised me docs were received on XX/XX/XXXX but only applied to case XXXX, He also advised that fax # XXXX was not working and gave me fax XXXX which i then resent all the docs again and they were received. I need the bank to replace these charges back to my account i did not authorize them and I have provided documentation of my conversation with the merchant proving this.
Complaint sub-issue: Received bad information about your loan

Paid three loans in full while on a temporary deferment. I resumed payments only to be told now that my monthly payment went up because I only have one federal loan now.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2019 XX/XX/2019 XX/XX/2019 there was fraudulent XXXX  charges on my checking account by my debit card XXXX XXXX XXXX XXXX which was cancelled by the bank. A new debit card which was issued on XX/XX/2019 by mail card # XXXX XXXX XXXX XXXX which I had received on XX/XX/2019 with letter stating that there was a breech and TCF Bank issued new card which was also used a day later. The amount that were charged to my account on XX/XX/2019 and XX/XX/2019 were XXXX XXXX XXXX XXXX. I filed fraud complaints case # XXXX and case # XXXX. Icalled TCF Bank today XX/XX/2019 and they denied claims stating I had charged these amount through XXXX and I didn't and I would not be receiving my money back. Now I am negative {$530.00} Checking account # is XXXX Thank you for helping My name is XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone # XXXX I did call the XXXX XXXX  phone number that was given with charges and they will not take phone calls. The XXXX XXXX phone number was XXXX I am not able to print out my statement because they are changing there web at this time. They could only read it over phone to me
Complaint sub-issue: Sent card you never applied for

Received a letter XXXX XXXX from Citi Bank stating there might be a fraudulent account setup in my name. Called number provided in letter and they wanted my social security number and I didnt feel comfortable giving that information because I never setup or applied for this card. On XXXX XXXX received actual credit card in mail. Tried calling to cancel and Im not willing to provide my social security number over the phone on an account I never applied for.
Complaint sub-issue: Information belongs to someone else

Equifax did not do a thorough investigation when I reported a fraudulent account on my credit report. The account I am referencing is XXXX XXXX. I contacted XXXX XXXX in regards to this account and asked them if the person responsible for using my information to open this account would contact them and assume responsibility if they would remove it from my credit report and transfer it to them. They stated they would. However, this person never did. XXXX XXXX is well aware of the fraud and Im sure there are notes of this conversation at the very least. There is no documentation with my signature granting XXXX XXXX permission to set up an account in my name. This is not my responsibility.
Complaint sub-issue: Was not notified of investigation status or results

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021 I sent a letter requesting that the its disputed be verified sending the documents used to verify these debts. XX/XX/XXXX the letter was delivered and I have not received respond. I have provided all the documents and the tracking confirmation that they received the letter on XX/XX/2021.
Complaint sub-issue: Attempted to collect wrong amount

XXXX and it 's designated debt collection company, " West Asset Management '' ( also known now as Global Receivables Solutions ), engage in some dishonest billing and collection tactics. I was actually quite surprised to find out this same exact situation has happened to other people. After terminating my relationship with XXXX XX/XX/2014 ( important to note that I was no longer on a contract but paying month to month ) ; I paid XXXX for the remainder of that month in addition to the next month 's service. Unknown to me, XXXX decided to charge me for yet ANOTHER month of billing. So cancelling in XXXX 2014 and paying both XX/XX/XXXX and XX/XX/XXXX phone bills ; XXXX still decides to charge me with a XX/XX/XXXX bill! But because I no longer had autopay setup for the account, XXXX forwards the account to its collections company for hire - " WEST ASSET MANAGEMENT. '' When I finally received documentation for the extra month I " owed '' XXXX and contacted West Asset Management, they told me it could be resolved if I paid the amount in full and it would not affect my credit. I agreed even though I did not feel I owed the debt. 
Checking my credit and seeing it get decreased with all three bureaus because of a derragatory mark, I again contacted West Asset Management. They informed me that I had paid too late and that there was now nothing they could do to remove the debt. West Asset Management was dishonest with me about the terms of resolving this debt. 
To summarize, XXXX is very unscrupulous in trying to collect extra money from people who disengage their services. This was extremely disappointing that the manipulated end date of services in order to collect an extra month ; I had been a good customer on contract for well over two years who always paid on time and in full. In addition, West Asset management uses dishonest techniques ( as well as possibly illegal ) such as lying about settlement terms and threatening with lawsuits for collections. 
After the time and money sunk into fighting this issue with these XXXX companies, I would like these negative marks removed from my XXXX, XXXX, and XXXX Scores. I would also like other people reading these online to really reconsider doing business with a company like XXXX at all.
Complaint sub-issue: Information belongs to someone else

I value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an IXXXX XXXX XXXX  # 's XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$630.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00}
Complaint sub-issue: Information belongs to someone else

These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Complaint sub-issue: Threatened to sue you for very old debt

Spoke to a member of this collection agency. Informed him that I have not received notice of the debt. The debt was sent to the wrong location and requested proof of debt with copy of my lease in which he said he was reading. Informed him that I am not saying I will not pay nor I will pay I'm requesting proof to sent to the correct location. The representative said they did their due diligence and by contacting them I am refusing to pay the debt today they would be taking legal action against me.
Complaint sub-issue: Public record

I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation Dear Sir or Madam,
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX, XXXX XXXX XXXX )
Complaint sub-issue: Reporting company used your report improperly

13 inquries were filed on my credit report dates filed : XXXX & XXXX. These lenders has tremendously impacted my credit scores I have XXXX collections as well XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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: Their investigation did not fix an error on your report

On XX/XX/XXXX I entered into a person loan with XXXX XXXX for {$15000.00}. Due to being diagnosed with Covid 19 in the last week of XX/XX/XXXX, I was extremely ill for over month. In XXXX I was hospitized, laid off of my job, and dropped from my corporate insurance policy. I was sighted for a 30 day late for XX/XX/XXXX by XXXX XXXX on this loan. When I was well enough, I contacted XXXX XXXX and notified them of my near death health issue. I requested a courtesy adjustment to my credit report undet the circumstances and was told that they would remove the late pay as long as I caught the payment current. On XX/XX/XXXX I paid {$600.00} to catch the payment up. The late pay was never removed. I then repeated the process and disputed the late pay. Still.never removed. Now, on XX/XX/XXXX I cantacted XXXX again and spoke with someone in the department that handles credit reporting. After being on hold for 45 minutes, i was notified that management had approved for the late pay to be removed, the sited the previous notes and I was told it would take 7-10 days. Today is XX/XX/XXXX. The late payment is still reporting. At this point, this late payment is adversely affecting my ability to finance my business and do my life, and take care of my family. According to the Hereos Act Section 110401, negative consumer credit reporting is suspended during the Covid 19 Pandemic plus 120 days there after.
Complaint sub-issue: Account terms

XXXX Reporting Incorrect Amount on my credit report currently as of today XX/XX/2017 showing {$1000.00} due however a payment cleared my XXXX checking account. ( see attachment ) Since they are not interested in recording the payment per FCRA regulations, Please review the documents and upon completion of review have this collection account removed and blocked from my file.