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

I noticed this account from XXXX on my Credit Report back in XX/XX/XXXX. No clue who they are. I have disputed this account for the last 4 years and 5 months. Recently they sold it to XXXX XXXX who now has a collection agency handling it but not on my credit reports yet. I have disputed this account about 10 times and each time they say it is mine. Finally in XX/XX/XXXX I got a copy of their loan agreement. It has no social security number listed, no birth date and the signature is some docusign and says XXXX XXXX. Not even my name as I always use my full name with middle initial. XXXX XXXX is doing nothing to investigate this properly as I have attached the documents to prove to you. Which I have also sent to XXXX XXXX and all 3 credit bureaus but seemed to get me no where. Also now my credit reports says XXXX XXXX reports I made a payment on XX/XX/XXXX on 1 credit report and XX/XX/XXXX on  another report but on one report said I never made a payment. This is destroying my credit and nobody is helping. I want proof this is mine and can't get it. I want to see my social security number that was used, birth date and proof these payments were made when they say, Also noted XXXX I never got a letter or a phone call from, all of a sudden they sell this account to XXXX XXXX and now they are calling. Please Help me resolve this.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to XXXX and Equifax regarding fraudulent credit inquires on my report and both companies told me that it was nothing they can do, even tho i have a fraud alert on my credit file with both companies.
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I wrote letters to all 3 credit bureaus because there were items being reported against my credit that did not belong to me and inaccuracies found. I requested these items be deleted or proof be provided to me on how these items were verified. XXXX was the ONLY company to respond and remove/delete the items that I requested. I filed a complaint against Equifax and XXXX for lack of response in XX/XX/XXXX, Equifax did finally respond, however they did not provide any information in their response or even include a copy of my credit report. The only letter attached was the dispute process information. XXXX failed to respond at all and I still have not received any paperwork from them at all.
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 ... JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : 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: Their investigation did not fix an error on your report

I have sent multiple letters about unauthorized inquiries on my credit report. There has been nothing done about it. I have even placed a fraud alert on my credit report because there were inquiries that I did not authorize. These need to be deleted immediately it is affecting my score and reporting inaccurate information.
Complaint sub-issue: Problem getting your free annual credit report

Got the email about the equifax data breach. Have been getting emails about my credit score decreasing from equifax ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do.
Waited for some of the dust to settle after the data breach announcement, tried to check my report with XXXX. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ).
It has been less than a year since my last credit report at experian, and I hoped that equifax had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests.
I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance : {$9600.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX A XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Complaint ID : XXXX The aforementioned Complaint with EQUIFAX is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. EQUIFAX, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file.

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, EQUIFAX sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

EQUIFAX 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on EQUIFAX 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
Complaint sub-issue: Debt was result of identity theft

Hello, I am a victim of Identity theft. I have never once entered a consumer credit transaction with XXXX XXXX. Please refer to the attached documentation below. I tried to contact XXXX XXXX XXXX registered agent but I could not locate the applicable agent. Whats even more confusing is that it states that the account has been purchased by another lender. This maybe a mix up or a misunderstanding so im hoping we can resolve this now to prevent further legal proceedings.
Complaint sub-issue: Account status

This is my husband 's XXXX school. I should be listed as a co-borrower and they have me as primary. But most importantly, they are reporting inaccurate information. We are current on this loan as we have monthly automatic payments taken out. They have fixed the error with my husband 's credit report but are refusing to correct mine. 

The company has refused to correct the issue and Equifax has closed any and all disputes stating the creditor has validated the account information. I have attached supporting documents, supporting my claims.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent in a complaint to the XXXX on Equifax. On XX/XX/XXXX I received the message from Equifax by phone that they have not removed the hard inquiry from XXXX XXXX. The representative from Equifax said that XXXX XXXX needs to send them notification to delete the inquiry ... One received they WILL DELETE THE HARD INQUIRY. I have proof that XXXX XXXX DID in fact notify Equifax to delete the hard inquiry from my credit report ... Equifax is not holding up to their legal obligation to remove the error from my credit! XXXX has already deleted the hard inquiry. XXXX never reported or had knowledge of the inquiry.
Complaint sub-issue: Information belongs to someone else

id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  XXXX On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called XXXX XXXX to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.
Complaint sub-issue: Information belongs to someone else

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize nor do I have any knowledge of making these attempts Ally Financial XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 & XX/XX/19 I writing to dispute the following inquiries and asking for their removal from my credit report. 




Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018, I ran my credit to review my ( XXXX ) credit reports XXXX XXXX, Equifax and XXXX XXXX and I was devastated to see ( XXXX ) or more " negative accounts '' had been posted to my " EQUIFAX '' file. These accounts were not on the previous Equifax report I ran on XX/XX/2018. The accounts were XXXX old and all were negatively closed. How can they post all these accounts to my file when there is also a " XXXX XXXX '' posted on the file. Why didn't Equifax question the posting of accounts that are XXXX old and have never appeared on my personal file. I believe they have merged someone with a similar name accounts onto my file. I have had addresses and similar names previously with Equifax appear on my file in the past. 
XXXX. XXXX Bank : # XXXX XXXX. XXXX Bank : # XXXX XXXX. XXXX Bank : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX : XXXX {$4800.00} 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

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, I also spoken with XXXX at XXXX on XX/XX/XXXX, I spoke with XXXX at XXXX  on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my Equifax credit report : ( US DEPT OF ED/XXXX Account # XXXX, Balance {$5200.00}, Open date XX/XX/XXXX ), ( US DEPT OF ED/XXXX Account # XXXX, Balance {$6900.00} Open date XX/XX/XXXX ), ( US DEPT OF EDXXXX Account # XXXX, Balance {$3400.00} Open date XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX, Balance {$5100.00}, Open date XX/XX/XXXX .I did not authorize any of these accounts.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Since XXXX of XXXX I have been disputing the " app '' with Upgrade. It has been showing a delinquent amount from XXXX to now {$270.00}. XX/XX/XXXX I had applied for a hardship due to XXXX. In which I was told that I was approved and would have to make the monthly payments in the amount of {$120.00} starting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. In which any past due amounts would be added to the end of the loan cycle and processed to the end of the loan. In XXXX my payment of {$400.00} was going to resume. In XXXX I logged onto the app and noticed the amount was still incorrect. I called and spoke with an Unidentified agent that stated " oh the person that did your application did not update the aged report, it will take 1-4 business days. Again I called today and I was told that " oh you are still delinquent from XXXX, I advised there is a payment in the amount of {$400.00} that was withdrawn from my account XX/XX/XXXX ( payment was made via the app on XX/XX/XXXX after I was assured that the report would be " updated '' ). I was told there would be a " freeze '' on the card until I made the additional payment and would not be able to utilize my account until this was corrected. Every time I call upgrade I am told something different. Each rep has a different finding and policy. I am pretty sure I am not the only account holder that is facing this issue as I have been advised " oh ya the app is always going through glitches ''. I am requesting an investigation into this company for possible violations.
Complaint sub-issue: Was not notified of investigation status or results

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus. 

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and  have the law changed.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX locked my online access to my account because I had a negative checking account balance. The online account access was how I paid my credit card bill. During the time frame my account was locked I missed a payment on my credit card which is negatively affecting my credit. I called XXXX multiple times and they were n't able to take my payment over the phone without charging me a {$20.00} fee. I finally got on the phone with a manager who refunded my late charge on my credit card and restored my online access but the late payment is still showing on my credit report.
Complaint sub-issue: Problem with fees

Hello, Im trying to close my first progress and they said they wont refund the annual fee. Because Im closing it and wont be using it, they should refund my annual fees as well.
Complaint sub-issue: Need information about my balance/terms

I contacted my loan servicer American Education Services to discuss my student loan, particularly debt settlement. They advised it was n't an option due to my various lenders. I asked for the name and contact information of the actual bank that owned my loans. A supervisor got on the phone and told me my loan is owned by XXXX National Collegiate Trust but they denied having any contact information for me. They said the most they could do was send me the promissary note. I think the servicer should have actually have to be able to provide me with contact information for the actual lender. They said they did n't even have a general phone number. I have n't been able to find one on the internet, so I have no way of being able to contact them. I requested the promissary note, but it has n't been sent. I understand that no one has to agree to debt settlement with regard to my loan, my issue is the lack of information and transparency.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with FSTPROGRESS, XXXX XXXX XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, FSTPROGRESS, XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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: Their investigation did not fix an error on your report

I sent a debt validation request letter to the credit bureua Equifax and they only sent back a credit report showing the incorrect and falsely claimed derogatories with the account # 's ( XXXX, # XXXX, # XXXX ). The dates of my certified mail receipt is XXXX. The amounts for these derogatory claims are {$700.00}, {$440.00}, and {$650.00}. I also sent a debt validation request letter to XXXX XXXX XXXX which is the original creditor and with same amounts stated above, and the same claim numbers stated above. I never got a response letter back from XXXX XXXX XXXX at all, as if the company doesn't exist. The date for this letter was on XXXX.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022 New Jersey unemployment sent out {$4900.00} Dollars and the government sent payments that was old to me on XX/XX/2022 {$5000.00} as well.however cash app keep saying they never received my payments from New Jersey unemployment.Ive told cash app it maybe the wrong Account number.unemployment May have sent.will they look up my profile to see if New Jersey sent my funds well as my name Attached to it. No respond with them. Tried calling him no respond they dont pick up New Jersey unemployment states they have sent out my payment to cash app and asked them to look up my name to see if any money came in it may be the wrong account number but routing number was right..
Complaint sub-issue: Having problems with customer service

Discover Student Loans will not give me the name and address of an agent for a service of process in California so that I can initiatiate an adversary roceeding.