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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 : XXXX 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. Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$3100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$230.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX  BANK XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$270.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXX XX/XX/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 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.
Complaint sub-issue: Personal information incorrect

Information on my credit report I incorrect. My name and address is incorrect. 

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Delaware XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had a fraudulent charge of {$5.00} on my credit card. I reported this several times, being referred and transferred endlessly to various departments and nothing has been done by XXXX XXXXXXXX XXXX. As a result, my account is delinquent, they have substantially reduced my credit limit and I have now got a negative report on my credit score. I would have simply sucked it up and paid the fraudulent charge, but I now refuse to on principle. XXXX XXXX XXXX need to fix this and apologize.
Complaint sub-issue: No notice of investigation status/result

this number represents 2 accounts1. XXXX XXXX Bank2. XXXX CardThe information Equifax is reporting is the Date of XXXX Delinquency or Last activity as of XX/XX/XXXXXXXX accounts were opened in XX/XX/XXXXThey are not reporting the date opened. 
According to Fair Reporting Credit Act these accounts should be removed from my report as they are over 7 years old. Equifax told me on the phone they could not obtain the opened date information. 
If they can not show the correct information regarding my account. They should notbe showing anything.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on I.C. SYSTEM, XXXX XXXX Balance {$1800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Investigation took more than 30 days

i submitted a complaint about incorrect information being reported on my credit report. its been well over 30days and i have not received any information about the results or status of an investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate the account ( A ). It is not permissible to fail to validate the 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 correct : XXXX & XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Debt was paid

In XX/XX/XXXX, i discovered that XXXX, also known as XXXX XXXX, was raising my rates. Upon discovering this, I decided to switch from XXXX XXXX XXXX XXXX XXXX. I ordered XXXX XXXX XXXX the start of XXXX, XXXX, and contacted XXXX via telephone and disconnected my services. I lived in an apartment- i could not have both services at the same time as they both utilized the same port for services. Around the end of XXXX, XXXX, i received an email from XXXX stating that my bill was past due. I contacted XXXX and was told that my disconnection request had not been processed, to which the agent processed it at that time. I was then told i was still responsible for the full amount of the bill as they do not prorate services. I informed the agent that my services were " repay '' and that, at the time they charged me for services, i was with XXXX XXXX XXXX i was not paying for two internet providers when only one was providing services. 

Fast forward to XXXX, when i submitted the complaint to the XXXX, XXXX, aka XXXX pretended to contact me in regards to my complaint and never followed through. They called me once. At their request, i replied back and called XXXXXXXX XXXX XXXX XXXX and left her MULTIPLE messages to contact me back, to which she never did, to both her voicemail and through multiple customer support agents. I also sent her an email.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent Equifax credit report. I noticed some credit inquires that I did not authorize to pull my credit report. The inquiries made by the following companies : XXXX XXXX XX/XX/22 XXXX  XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : 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: Account status incorrect

I have a few student loans that report to all three bureaus but most of them are over 8 years since they were last reported. The last reported date is incorrect and I've asked for it to be fixed. Knowing that these accounts are more then 7 years old these accounts should be removed from each of the credit bureaus. I've contacted them and have had no response in 60 days. This hurts me and I hope this is the last time I have to address this.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the following accounts/Companies on my credit report : 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 The reason I disputed these accounts on my credit report because it is incorrect and has inaccurate information and some accounts are even in violation. 
I initially contacted XXXX, XXXX, Equifax on XX/XX/2019 and they sent me a letter saying the results are verified which is incorrect. 
I again reached out to XXXX, XXXX, and Equifax on XX/XX/2019 asking for ( method of varication, The name of the original creditor, The creditors address and telephone number, The persons name you verified the dispute with, The documentation used to verify the dispute, The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.
Complaint sub-issue: Problem making or receiving payments

I have issued a check from my checking account for {$10.00} payable to elementary school. 
My checking account has enough balance but check was declined with reason account frozen. School has issued a debt collection letter for {$10.00} + {$30.00} fee = {$40.00}. 
It was so embarrassing for declined check of so small amount + costed me {$30.00} fee. 

Upon contacting Citi bank, I was told that even though checkbook was issued by Citi. It is citi policy that check should have been activated before using hence auto declined. 

Contacted Citi bank via online chat on XX/XX/XXXX at XXXX CST. I was on chat for hour with 90 % wait/hold time ( Citi should be able to check thr record ). such a poor customer service
Complaint sub-issue: Information belongs to someone else

There are multiple inquiries on my credit report that I did not authorize. I have attached my driver 's license and my identity theft affidavit to this complaint. The following inquiries that need to be removed are below : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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: Problem getting a working replacement card

@ Macy ' in 2020 I was purchasing when the clerk literally talked me into applying for a credit card. 
she said i was approved & a limit of a {$1000.00} was provided I never gave it much thought till I returned to the same store to buy the same gift merchandise I had the approved slip with me. 
From there I've literally gone through no less XXXX attempts in person @ the store to be told that a credit card would be issued and mailed to me. 
I've literally gone out of my way to in security for the all parties to find out why am I not getting the card in the mail I've kept logs of whom I spoke with my date & time & I still do not have the card. 
Bottom line each time I was told a card would be sent to my newest address in XXXX XXXX -but it has not been received I literally was went back to the store & even after their requests for a call back was told that a card would be sent
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I requested my credit report from Equifax. I received someone elses credit file that was not my own. I called Equifax 3 times to tell them what happened but they were not able to tell me what happened to my credit report or why I received someone elses credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I open opened this account XX/XX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XX/XX/XXXX for {$30.00} ( {$27.00} scheduled payment ) then on XX/XX/XXXX paid {$38.00} ( which would have paid off the entire debt ). I .. all payments were reported as paid. Until XX/XX/XXXX stating I was 30 days late, which is not true. 
On or about XX/XX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XX/XX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XX/XX/XXXX and payment was not credited until XX/XX/XXXX- though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information which has led to a data breach that puts myself and millions of others at risk. They decided not to securely handle this important data with proper authentication, encryption, or storage. Sensitive info, like my SSN, now has the potential to end up in somebody 's hands that will use it to steal my identity and potentially ruin my life. 

I am extremely upset with how Equifax has handled reporting this breach as well. Very little was done to notify the public after the breach was detected. I had to find out about the breach from second and third hand sources on social media, as I received no notification what so ever. This all is an undue burden from a company that I have no choice of doing business with, as they are a vendor to my credit companies. Equifax has displayed the utmost negligence and lack of remorse. Their executives even cashed out stock before announcing the breach to the public so they would n't lose too much money, which is truly shameful.
Complaint sub-issue: Can't get other flexible options for repaying your loan

My student loans are currently in bankruptcy forbearance due to me filing Chapter XXXX. My bankruptcy was amended to allow me to participate in the Public Service Loan Forgiveness program by allowing me to pay with the IDR plan. Loan status has not updated so I can re certify for IDR. Time that is being used as " processing '' is causing me to loss credit for months I can receive credit for.
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 {$2700.00}. 
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 ) -- AUTO LOANS OR LEASES 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$2700.00} -This is not my account.
Complaint sub-issue: Problem getting report or credit score

XXXX is not able to pull my credit score from Equifax and Equifax is report the incorrect score to XXXX XXXX, where I applied for loan. XXXX XXXX show me a score of XXXX, which they got from Equifax and I pull my score from Equifax website which shows XXXX ... That score is directly from Equifax , so why did they send XXXX XXXX a score of XXXX. 
I also pull my score from XXXX which is powered by Equifax and the score is XXXX. I have attached pics from both sites for your review. I have been denied credit because of their mistakes and would like to sue.
Complaint sub-issue: Their investigation did not fix an error on your report

Ran my credit report due to drastic 100 point drop in my credit score. 
Found card was opened without my knowledge or permission. Called the card company and sent a letter to them XX/XX/XXXX advising this was fraud and I did not authorize or open account. 
Customer service advised account was opened with address I lived at over 10 years ago and phone number on account that does NOT match my phone I have had and used for 17 years. 
Security Department opened a case. They never called me or responded to my calls to go over the case. On XX/XX/XXXX I got a generic letter from them stating the debt was valid because it was taken from an address associated with me at one point! 

I did not authorize this account. It is fraudulent and card company is not cooperating or completing a fraud investigation. They are denying my case without providing proof even when I sent them two letters showing I can prove I have not lived at this address in over 10 years and have opened many accounts and closed over 10 years never using any address other than the address I reside at. They did not properly trace a false phone number provided for account ( XXXX ) and never contacted me at any time from when account was opened in XX/XX/XXXX until they charged off the account XX/XX/XXXX. The claimed balance overdue was {$190.00} and with late fees total {$360.00}. During XXXX to XXXX they made no attempt to verify my correct address or phone number. 

The customer service at card company did say that they did send letters to an address in XXXX XXXX XXXX! If they skip traced my entire life history they would have confirmed that I have NEVER lived in XXXX nor ever listed an address there -- EVER. 

I am requesting the company provide me with an application, how consent was obtained, how the account was authenticated, copies of all statements and all correspondence associated with this account so I can provide to my attorney. 

My credit history shows I do not have any accounts in collections, late payments or charged off in my 20 years in XXXX FL. This error is negatively and unjustly impacting my credit score as a charge off. My present credit report is over 40 pages long with multiple opened and closed account ALL in perfect standing. I have hundreds of thousands of dollars in assets and lines of credit and I would never ignore a debt of {$190.00}. Credit card company never called my home phone number of XXXX ever and never sent any correspondence to my address where I have resided since XXXX. 

As an unauthorized account that was fraudulently set up I am requesting the entire trade line be immediately removed from all credit bureau reporting agencies. 

Credit Card Company- XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX : acct # XXXX XXXX XXXX  : acct # XXXX XXXX XXXX  XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXXXXXX XXXXF : acct # XXXX XXXX XXXX  XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX 15 USC 1681 a ( 2 ) - consumer reporting agency may furnish a consumer report under circumstances in accordance with written instructions of the consumer to whom it relates.

15 USC 1681 section 602 A- states I have the right to privacy.

15 USC 1681I- Reinvestigation is required
Complaint sub-issue: Information belongs to someone else

I have supplied Equifax with a copy of my certified police report, a fraud affidavit and a copy of my report that was filed with the FTC. To date, they continue to re-insert fraudulent information on my credit and or they wont remove it. This is actually my second complaint within 6 months. They always ask for 60 days to investigate the situation and they do nothing. 

I am requesting the following accounts be removed 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 I have not applied for credit with in the past 5 years and I am requesting they remove the following fraudulent inquiry entries 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 Also my credit should have been frozen and these unauthorized inquires should have not been allowed on my credit. I am also requesting again that my phone number be added to my fraud alert XXXX. 

Equifax Confirmation Number XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX XXXX ( XXXX 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.
Complaint sub-issue: Their investigation did not fix an error on your report

This credit company is listing an account from XXXX. This account was included in previously discharged chapter XXXX. They refuse to remove account.