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

I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX EQUIFAX has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 
Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I was recently incarcerated from XX/XX/2021 to XX/XX/2021 and upon release I found out that my US Direct Express Card that I had previously lost was used fraudently during the time of my incarceration, immeadiately after release I contacted US Direct Express and notified them. I filed a complaint with a representative and had a form sent to me, it took several attempts because I could not access my account in which I had to do two verification. However on XX/XX/2021 I was able to submit the Dispute Form, my discharge Paperwork proving that I was discharged from the facility and it was successfully faxed to the dispute team on XX/XX/2021 A set of transactions were accepted and a set were declined. The set that were declined exceeded 120 days of being reported. However I was incarcerated and unable to report these. I am very sure there are protections for individuals who are incarcercerated and vicitims of fraud while in jail. I called US direct express early XX/XX/XXXX in the AM. The first representative transffered me to a supervisor, and after waiting 30 minutes I hung up, the wait the second time I called back was 20 mins. The third time I called back I was immeadiately transferred. The supervisor XXXX almost did not want to deal with this issue she said the claim once closed would not be reopened at all. However based on the dates of the transactions it is clear that the transactions were denied based on the 120 reporting dates of the terms and conditions with US Direct Express. Are there any protections for individuals who are incarcerated? Thank you
Complaint sub-issue: Can't close your account

I called the bank to close my account in  XXXX  of  XXXX  ( I do not have the date on me now, but I can access it via phone records ) while the balance was {$0.00}. I found later that they never closed the account, and assessed fees for inactivity. I assumed it was an honest mistake.  <P/> I called again on the  XXXX  of  XXXX , I asked that the fees be refunded and that the account be closed as it should have several months prior. The fees were refunded, but the account was n't closed as I was told it was. I have email proof of the refund on that date ... BUT.  <P/> On the  XXXX  of  XXXX , I received another notice that the account was assessed fees for no activity in the account. It appears for a second time that I was told over the phone my account was closed, and they ended up not closing it.  <P/> This appears to me to be a deceptive practice in order to try to assess fees for account inactivity, when I have tried now multiple times to close the account when the balance was initially at {$0.00}.
Complaint sub-issue: Investigation took more than 30 days

Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt is not yours

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to DISCOVERBANK reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Complaint sub-issue: Debt is not yours

I was not aware of a XXXX XXXX debt until i saw it on my credit, i tried calling to get a copy of an original application with my signature proving this was my bill.but i was told to call there 3rd party Jefferson Capital.i did not understand since its a XXXX  acct..i have never been able to get proof of this debt.
Complaint sub-issue: Account status

I disputed a 90 day late on a Federal Student Loan. There were XXXX loans corresponding to the number of semesters I was in school. I have since consolidated the loans into XXXX note, but the loan servicer at the time was Direct Loans which is no longer in business. The National Student Loan Data Center nor XXXX XXXX ( the current servicer ) have any information about me ever having a late payment. I have always paid my loans on time with the exception of the grace period and a forbearance. This information on my credit report is inaccurate and can not be verified. According to the Fair Credit Reporting Act, it should not be there. I disputed this a couple of years ago, and Equifax and XXXX ruled on the lenders behalf. Is there anything I can do about this?
Complaint sub-issue: Public record information inaccurate

On or about XX/XX/XXXX i became a victim of identity theft. My credit reports had multiple entries for credit that i didn't make. Several of which were for Bankruptcies that im not responsible for. On or about XX/XX/XXXX i filed a police report for identity theft and a complaint with the federal trade commission. There after, i forwarded copies of my FTC Affidavit to all 3 credit reporting agencies XXXX, XXXX  and XXXX. XXXX  is still holding this fraudulent bankruptcy on my credit report. On or about XX/XX/XXXX i applied for credit with XXXX XXXX XXXX XXXX an i was denied because of the bankruptcy being held on my XXXX  report.
Complaint sub-issue: Debt was result of identity theft

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Account status incorrect

XXXX  is a third party biller who is incorrectly reporting delinquency on an XXXXBlinc personal loan. I have and will continue to pay my original creditor, XXXXBlinc directly.
Complaint sub-issue: Debt is not yours

I have a collection account on my credit report stating that i owe this company {$230.00} which is impossible as looking at the dates of their information I was in Jail this is not my debt and i am not responsible for this I have no knowledge of this. It is invalid and needs removed at once. This company is comitting fraud by reporting that i owe any money to them. I've NEVER had an account with them or the company XXXX that they are claiming the debt is from.
Complaint sub-issue: Was not notified of investigation status or results

I have sent in Letters to the bureaus stating that i have personal information on my report that is wrong and a bank ruptcy on my credit report that is not supposed to be there because i spoke to the court and they said that they do not give information like that to the bureaus and i would like it to be removed so we can get to the bottom of this, i work to hard to have my credit report messed up especially when it's out of my control, the reason behind this complaint is that it has been well over 60 days and i have not heard anything from these credit bureaus, i did my job by sending the letters to inform them I need this fixed, now its time they did theres, i will list some accounts below and add more of my information so everything goes smoothly, lets fix this please. 

I sent these to equifax - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Discharged CH-XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

i sent these to XXXX - 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy discharged Case Number : XXXX This account is inaccurate. Please delete at once. 

and i sent these to XXXX  - 1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX  XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 5. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXXdischarged Case Number : XXXX This account is inaccurate. Please delete at once.
Complaint sub-issue: Received bad information about your loan

Approximately 1-2 years ago, XXXX claims to have sold their student loan division. However, I have been paying to two companies : XXXX ( a " loan servicer '' ) and Discover. I have asked both companies for proof of their relationship to XXXX to ensure that I am paying the right entity, and more importantly that I am not paying the same loan twice. I have not received a satisfactory explanation from either, and no documentation at all from Discover.
Complaint sub-issue: Attempted to collect wrong amount

ACCOUNT IS INACCURATE Date opened is inaccurate high credit is inaccurate comments/remarks are inaccurate Payment history is inaccurate
Complaint sub-issue: Deposits and withdrawals

Opened a new Citi bank checking account. Everything seemed to be ok. Received a welcome letter and got online access. 
Transferred funds from another US located credit union. 
Two days after opening an account, it got locked by the fraud department. 
The bank refuses to resolve over the phone. Citi bank sends a paper mail asking for some information, not telling what is in the letter. 
It is a holiday season, and I am out of town. As the result I am locked out of my funds for the next two weeks of the holiday season. 

Nothing was done on my side to trigger the lock. 

Citi bank refuses to provide any compensation for such inconvenience.
Complaint sub-issue: Account information incorrect

Equifax ; XXXX and XXXX are reporting incorrectly duplicate entries of a charge-off on XXXX partial account numbers - ****XXXX. ( Please see page attached from my credit report. ) The first entry is reporting a {$0.00} balance and the second entry is reporting a balance of {$8000.00}. I contacted XXXX XXXX and let them know that the charges reporting is fraudulent. I did not incur these charges. The representative I spoke with confirmed that this debt does not belong to me. The balance reporting is not accurate and the duplicate entries reporting on my credit report is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Complaint sub-issue: Account status incorrect

Incorrectly reporting that this item from XXXX XXXX XXXX XXXX is still open on credit report ; Needs to be closed immediately.
Complaint sub-issue: Reporting company used your report improperly

I never gave Equifax any written consent to report anything on my consumer report, no consent is Identity Theft Under 15 U.S. Code 1681b.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I received verification from Equifax that an account had been verified by XXXX ( see attached screen shot from Equifax ). I am including a letter from XXXX that proves NO verification came from them. This account was NEVER VERIFIED OR INVESTIGATED IN ANY WAY. EQUIFAX LIED AND FRAUDULENTLY STATED THIS ACCOUNG WAS VERIFIED WHEN IT WAS NOT. 

This is just one example of the ongoing lies from Equifax. This account is unverified and must be deleted.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have filed with CFPB in the past against the 3 credit reporting companies and stated that all inquiries should be cleared by me. Really I don't need anymore credit loans from anybody. This week I received a call stating that someone inquired about a credit report. 
XXXX XXXX and Equifax had all been told to contact me and did not.
Complaint sub-issue: Investigation took more than 30 days

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX  account # s XXXX, XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days for request of a complete investigation. 
So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this bureau about these three unverified collection accounts as of today. 

Thank you!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following Inquiries have been unauthorized to run my credit. I have no acknowledgment of these inquiries and never authorized. 

EQUIFAX/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
Complaint sub-issue: Personal information incorrect

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. 

XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX   XXXX XXXX XXXX XXXX XXXX {$120.00} -XXXX XXXX XXXX  XXXX {$330.00}
Complaint sub-issue: Information belongs to someone else

I CHECK MY CREDIT REPORT WEEKLY AND A FEW WEEKS AGO I NOTICED THERTE WAS A COLLECTION ON MY ACCOUNT FOR {$1200.00} FROM A XXXX XXXX XXXX ( XXXX ) I'VE NEVER EVER APPLIED FOR A LOAN WITH THE COMPANY I'VE ASKED EQUIFAX TO REMOVE THIS OFF MY CREDIT REPORT AND IT'S STILL ON THERE, I'VE CALLED THEM SEVERAL TIMES EVERY TIME I CALL THEY SAY CALL BACK IN 30 MINUTES BECAUSE THEIR SYSTEM IS DOWN. I LITERALLY CALLED THEM FOR A WEEK STRAIGHT AND EVERY DAY I GET THE SAME RESPONSE.
Complaint sub-issue: Their investigation did not fix an error on your report

LexisNexis is reporting a case that I was dismissed I was found guilty on I did nothing wrong and the judge agreed with my after further looking into the case at hand. LexisNexis is not only reporting a dismissed case in which I've never been found guilty on the XXXX case. This dismissed XXXX case is being reported under the driving record section ; which is a major error within their reporting platform. The XXXX case SHOULD NOT BE UNDER THE " Motor Vehicle Records '' either. Reporting inaccurate information is a violation of the FCRA and I'll most definitely exercise my rights and sue LexisNexis for the max amount if this dismissed case is not deleted from my consumer report. By LexisNexis reporting misleading information under my driving record that shouldn't be under the " Motor Vehicle Records '' of my consumer report I will sue if these cases are not removed from my consumer report because they're being reported inaccurately, criminal cases should not show up under the " Motor Vehicle Records '' section unless the case pertains to anything that has to do with a motor vehicle but neither of these cases do. Therefore; making their claims a violation of the FCRA. I have attached LEXISNEXIS reporting error and also the court records of the case being dismissed.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't recieved any investigation results.
Complaint sub-issue: Information that should be on the report is missing

I filled out an application for rental with Re-max Advantage in XXXX, XXXX. I was denied a rental based on the information from XXXX XXXX stating I had no prior rental history. The agent there XXXX provided me a denial of housing based on my rental history and kept my application fee. I requested an XXXX XXXX  statement because I have no priors of a bad rental history and my credit score is excellent. I got a denial letter with fraudulent information that could be damaging to my rental reputation with companies using XXXX XXXX in the XXXX or surrounding areas. I had my credit pulled in search for housing from XXXX, and the credit report pulled my correct rental history and credit score over XXXX in the last month. The letter sent about my rental history is completely inaccurate compared to XXXX and XXXX. My credit listed on the XXXX XXXX  you sent is displaying a XXXX, so it's hard to believe that I would have a bad rental history with that score. I spoke with my old property manager and was that no one contacted the property for verification. I also provided Remax Advantage with copies of my recent credit report. There is a rental listed on my application from a property XXXX XXXX, XXXX XXXX  that I've never lived at per XXXX. I recently relocated from XXXX, XXXX  and resided at a property there for 4 years that was not listed on the report. I filled a complaint with XXXX  against Remax Advantage, provided them with my most recent XXXX report and was still advised my rental application was denied based on my rental history from XXXX  XXXX  visibly showing different on my XXXX report. I would like my application fee of {$75.00} returned back as well. I provided accurate information about my last 3 year rental history with Remax.
Complaint sub-issue: Debt is not yours

I received a letter from the collections agency ERC dated XX/XX/2018 addressed to my address with an incorrect spelling of my name stating that I owe {$290.00} to XXXX XXXX XXXX. I have never had a XXXX XXXX XXXX account and do not owe this money. I do not want to contact this company directly for fear of them trying to get more information from me.