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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

The account and addresses was opened without my permission. 

XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Closed account XXXX XXXX XXXX Date open XX/XX/2020 XXXX : {$15000.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Complaint sub-issue: Don't agree with the fees charged

Sallie Mae has been constantly calling and emailing regarding my student loans that are supposed to be in deferment until XX/XX/2022. They have also been charging me interest the entire time they were supposed to not be during the deferment. I've tried calling with no answer just a message services and emailing with no response. And today the website is down so I can not even look at the loans.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

Credit Karma presented several offers regarding a loan so I looked at them. On XX/XX/2022, I received an email regarding a decision on a loan with XXXX XXXX but I did not give permission to pull my credit report. Credit Karma did the same with credit card offers guaranteeing approval which was incorrect. 
On XX/XX/2022, I lifted the freeze on my XXXX report for another company and XXXX XXXX pulled my credit while unfrozen XX/XX/2022. Credit Karma and XXXX XXXX must work together to get customers for companies. I am a Identity Theft customers that lead me to freeze all the Credit Bureaus. In addition, any company should call me before any processing.
Complaint sub-issue: Didn't receive terms that were advertised

I opened and funded my checking account for {$50000.00} with Citi on XX/XX/2022, for the advertised {$700.00} new account bonus. Terms stated that the balance must be maintained more than 60 days to get the {$700.00} bonus. I was only awarded a {$300.00} bonus after maintaining the balance for XXXX  days.
Complaint sub-issue: Debt is not mine

I have been contacted by this company ( XXXX XXXX XXXX XXXX ) XXXX times now using a different debt collector each time. When I call and explain to the debt collector that I have never used this company for any transaction of any kind they take my info and I never hear back from them. This current debt collector EOS CCA XXXX XXXX XXXX XXXX, MA XXXX is just another pawn in XXXX XXXX XXXX XXXX 's collection placement scam.
Complaint sub-issue: Changes in terms mid-deal or after closing

XX/XX/XXXX : App filled out for vehicle loan for XXXX ( owned by VW ) at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Phone XXXX. 

Left dealership after receiving numbers for loan. Spoke with sales but not finance. Did not initial or sign with finance. Numbers run for specific model but had not decided on specific model. Was told by sales associate 'it could be adjusted later '. 

XX/XX/XXXX : Received credit denial from XXXX XXXX with credit hit and denial for 'Lack of Down Payment '. App number : XXXX. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX Received no call between dates to ask whether I would be returning for vehicle. 

Left message for VW XX/XX/XXXX. 

Spoke with finance officer at dealership who became abusive when asked for reason for discrepancy in app paperwork fill out and submission. Stated app was finished. I never spoke with the finance officer, only a sales associate. Finance submitted app after period of 2 and half weeks with no contacts from dealer. I never signed the additional legal from the finance office. Finance officer when asked about this stated it was done 'to teach me a lesson '.
Complaint sub-issue: Information belongs to someone else

These two accounts listed are not my accounts. Please remove them.
Complaint sub-issue: Investigation took more than 30 days

Sent a letter asking Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. According to 15 USC 1681- Equifax have 30 days to investigate and send me the results. And Equifax also didn't even record the current status of the disputed information, which is another violation.

I have all the evidence attached.

I have enclosed a copy of a letter I received from the US Dept of Education ( Account Number XXXX - {$6900.00}, Account Number XXXX - {$1700.00} ) to serve as evidence that these accounts should be removed from my credit profile immediately. I have cleared this up with them, and it is resolved. Remove it from my credit profile immediately. 

When I called Equifax, a representative said that they had not received any of my letters I sent to them. The address I mailed the letters were sent to Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX and according to USPS my letters were delivered successfully. Equifax does not go through the letters I send them in a timely manner. This is not the first time it has happened when sending them mail. This is unfair, deceptive, or abusive acts and practices. This violates my rights protected by law under the FCRA. 


I also sent a copy of my passport, driver 's license and social security card, and a copy of my Identity Theft Report by certified mail they requested. 

XXXX XXXX Inquiry : Inquired on XX/XX/, 2022 : I did not apply for this credit card. Please remove it immediately from my credit report immediately. 
XXXX Inquired on XXXX XXXX, 2022 : I did not apply for this credit card. Please remove it immediately from my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries below do not belong to me and were not authorized by me. Please remove these asap. I have included the identity theft reports as well. 


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: Investigation took more than 30 days

I became a victim of identity theft XXXX  of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Complaint sub-issue: Debt is not yours

PLAZA SERVICES, LLC IS in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving of dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 

I sent out Affidavits of Truth twice. XX/XX/2021 and XX/XX/2021 Addressing the comments from the previous complaint that has been closed ( complaint # XXXX ), a contract isn't a validation of debt according to 15 usc 1692g. 

You also do not have my permission to furnish any information on my consumer credit report. ( 15 use 1681b ( 2 ) ). You also can not state that I owe your company anything ( 15 use 1692b ( 2 ) )
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX Collection : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$260.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$500.00} Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX 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 Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$260.00} Inquiries 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: Information belongs to someone else

I have attempted to remove some unauthorized inquires off of my credit for about 4 times now over the past few months with very little success. I feel as if the bureaus arent taking the time to actually delete them off of my report. All the evidence and documents have been provided so there is no excuse to keep them on my report. FTC REPORT # : XXXX This is a real claim. There are many inquiries remaining and I am demanding them to be removed, last dispute was sent XX/XX/2020. That is more than enough time to block, and pursuant to 605B if there are remaining items from last dispute they have violated that law!
Complaint sub-issue: Information belongs to someone else

XXXX has account on my Equifax its fraudulent, I want this account removed from my credit report, this is not my account, my information was leaked on the dark web by XXXX, this account is a XXXX account Is for XXXX dollars, please remove this account I did file a federal trades commission identity theft report, my name has been used to open accounts
Complaint sub-issue: Account status incorrect

Macy 's Credit card is incorrectly reporting the date my card was Charged off. The Card was charged off/closed in XX/XX/XXXX however, they have it showing charged off in XX/XX/XXXX. Macy 's also shows that the card is 120 days late starting up again in XX/XX/XXXX however, the card is closed, nothing was charged since the charge off, and it was sold to a debt collector prior to the late pays being reported as though my card is still with Macy 's. I also contacted the credit bureaus who will not fix the issue. Macy 's will not send me verification that the card was charged of in XXXX and they violated FRCA 623 ( a ) ( 5 ) as they did not report the charged of date accurately within 90 days of the charge off.
Complaint sub-issue: Information belongs to someone else

I submitted all the necessary paperwork to Equifax to remove accounts that do not belong to me removed and they have not responded back to me and it has been almost a month. The accounts were removed from the other two bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

When I open my Equifax Portal I have not been able to get my credit score in months. I have complained and the problem has not been corrected. See attached document. This is what I get when I log into equifax from several separate devices.
Complaint sub-issue: Their investigation did not fix an error on your report

I am the victim of identity theft. Upon knowledge of the violation, I spoke with Police and obtained a report, obtained an identity theft affidavit which I had signed and notarized. I included all of the fraudulent accounts as well as my ID and mailed it to the credit bureaus. XXXX and XXXX immediately removed the accounts. However XXXX came back said that my police report wasnt sufficient. Equifax completely ignored my statements and have refused to remove items from my credit report within the 5 day period as stated on the FCRA. After calling day in and day out to resolve this conflict, a dispute center manager from another country refused to assist me with moving forward and notified me that it will take 45 days for the items to be removed. The items were mailed on XXXX I was then notified on XX/XX/24 that the disputes sat in a P.O. Box for 2 weeks before being opened. These credit bureaus are criminals who outsource vital information to people in call centers who barely speak English. Someone who doesnt have a social security number shouldnt or wont be effective in resolving conflict with the bureaus and consumers shouldnt have to deal with credit bureaus negligence. Customer service reps at all of the bureaus need to be fully knowledgeable about the FCRA and the governing laws that they must abide by. Despite me reading my disputes and going over the FCRA, the dispute manager refused to assist me with the timely removal of the inaccurate info. My investigation numbers are XXXX, XXXX and XXXX. I sent all of my documents together so it SHOULD be under one number but because they are so unorganized they extenuate the circumstances and handle resolutions very carelessly. They must be held accountable. They should also remove XXXX XXXX information as well.
Complaint sub-issue: Problem with fraud alerts

I was never informed that I have a mortgage and a car payment in my name when it would have been absolutely impossible for me to obtained either of those things considering my situation. However, when I attempted to log into my Credit Karma account those very things are the reason that I can not access my credit through their company. I informed them of this and made reference to how my statement/ defense of my credit could be verified and I have run into a brick wall. That person with those things acquired in my name has ownership of my life and my rights to the extremity that I have no access to something as basic and simple as my own credit information. There 's nothing I can do and nothing that is going to be done to help me. I am trapped.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The agency duplicated an account with XXXX XXXX XXXX and then refused to remove it. Attached is a copy of the FTC report
Complaint sub-issue: Talked to a third-party about your debt

XXXX, I unfortunately am not pleased with the response of Jefferson Capital Systems , LLC. regarding my request for debt validation under 15 USC 1692g. I requested this information XX/XX/22 and they received the request XX/XX/22 through certified mail. They promptly responded XX/XX/22 with false and deceptive information. This false and deceptive information was they sent a deceptive form of a statement from XXXX XXXX to XXXX XXXX XXXX  XXXX basically as their " verification '' that I allegedly owed Jefferson Capital Systems , LLC. for this alleged debt of {$530.00}. They also went on to say that since this deceptive form " verified '' not validated the alleged debt, they will continue to furnish this information to my consumer reports as long as the law permitted. They also said basically they would sue me for the debt, but since it was outside of the statue of limitations to sue, they cant. This I found to be abusive language as they tried to assert a power they never had. To also continue to willingly provide FALSE and INVALIDATED information to my consumer reports is abusive and misleading and also a defamation to my character as a consumer. The way that Jefferson Capital Systems , LLC. treated me and my requests willingly and knowingly was unlawful and violating to me under 15 USC 1692d, using obscene and profane language which abused me as the reader stating false information of alleged debt collection as well as implicating they would have the right to sue me if it wasn't for the statue of limitations to sue someone on a debt. 15 USC 1692e, providing misleading and false representation of the alleged debt and the legal transfer of the alleged debt from XXXX XXXX to Jefferson Capital Systems, LLC., using deceptive means to attempt to collect the alleged debt from me, also the false implication that Jefferson Capital Systems could've sued me for the alleged debt implicating I committed a crime, 15 USC 1692f, by attempting to collect the alleged debt in its entirety without any authorization or agreement which created the alleged debt. 15 USC 1692g as not providing any validation of the alleged debt which I asked for in writing. 15 USC 1692j, as they furnished to me a deceptive form of a statement from XXXX XXXX to XXXX XXXXXXXX XXXX XXXX to create a false belief that the alleged debt was validated for Jefferson Capital Systems , LLC. to collect this alleged debt from me. Pursuant to 15 USC 1692k, I am demanding civil liability for these knowingly enacted violations of the law against me from Jefferson Capital Systems , LLC. which they " respectfully declined '' to acknowledge or accept as a result of their unlawful practices against me as the consumer. I would like it to go on the record that due to the unlawful acts committed by Jefferson Capital Systems , LLC. they have hindered my progress in life to be able to leverage my credit as a result of their furnishing of false information to my consumer reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed several disputes with EQUIFAX concerning the below listed unauthorized HARD INQUIRIES. 

Title 15 U.S. C. 1681b- Permissible Purposes of Consumer Reports ; states that it is illegal for anyone to have or access my credit file without my written permission. I therefore demand that EQUIFAX provide said written proof that I authorized the below listed Hard Inquiries that you are reporting. 

I Hereby Place EQUIFAX on notice That : Pursuant to 15 U.S.C. 1692a ( 3 ) I am the consumer, and I never gave XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, AND XXXX XXXX XXXX written consent to report anything on my consumer report, NO CONSENT is IDENTITY THEFT, pursuant to 15 U.S.C. 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor. 

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing, credit capacity, character, and most of all the REPUTATION of consumers. XXXX XXXX, XXXX XXXX, XXXX  XXXX, AND XXXX XXXX XXXX have listed these HARD INQUIRIES without my permission and written instruction. This is a violation of Federal Law pursuant to 15 U.S.C. 1681b. 

1. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. In accordance with the Federal Law listed above please send me written proof that I authorized this inquiry. Otherwise, DELETE this unverifiable hard inquiry from my credit report. 
2. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. In accordance with the Federal Law listed above please send me written proof that I authorized this inquiry. Otherwise, DELETE this unverifiable hard inquiry from my credit report. 
3. XXXX XXXX Bank ran an unauthorized credit inquiry on me on XXXX. In accordance with the Federal Law listed above please send me written proof that I authorized this inquiry. Otherwise, DELETE this unverifiable hard inquiry from my credit report. 
4. XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. In accordance with the Federal Law listed above please send me written proof that I authorized this inquiry. Otherwise, DELETE this unverifiable hard inquiry from my credit report. 

This false reporting by EQUIFAX constitutes a violation of my rights under the Fair Credit Reporting Act 604. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these unverifiable HARD INQUIRIES must be DELETED from my credit report within 15 days.

I am prepared to file suit against EQUIFAX for violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate, 15 U.S. Code 1681n - Civil liability for willful noncompliance and for violation of Regulation V. These three violations constitute a violation of The Consumer Protection Act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received notice of a credit inquiry on my XXXX  report, dated XX/XX/21, from Discovery Financial. I didn't apply for anything. I contacted Discovery, they say they have no record of this, but when I contacted XXXX  they said there was definitely a " hard '' inquiry with my SSN, etc.